Inferra AI / Company / HOMB

Home Bancshares Inc.

HOMB · Financials

Last earnings Oct 14, 2026

Key results

Net incomequarter

$123.6 million

Net income reached a record $123.6 million in Q3 2025, while net income, as adjusted (non-GAAP) (1) , also set a new high at $119.7 million.

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

EPSquarter

$0.63

Operating Highlights Net income for the three-month period ended September 30, 2025 was $123.6 million, or $0.63 diluted earnings per share, both of which were records for the Company.

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Net income reached a record $123.6 million in Q3 2025, while net income, as adjusted (non- GAAP)(1) also set a new high at $119.7 million.

SEC original ↗Home Bancshares Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 15, 2025

AI analysis

Q3 2025 · reported Oct 15, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

EPS · Q3 2025

$0.63

EX-99 · Oct 15, 2025

Net income · Q3 2025

$123.6M

EX-99 · Oct 15, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
Net income	$123.6 million	—	—
EPS	$0.63	—	—

EX-99 · Oct 15, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$2.7M

The $1.8 million decrease in interest expense was due to a $1.1 million decrease in interest expense on subordinated debt and a $527,000 decrease in interest expense on deposits.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

(NYSE HOMB) ( Home or the Company ), parent company of Centennial Bank, released quarterly earnings today

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

The $1.8 million decrease in interest expense was due to a $1.1 million decrease in interest expense on subordinated debt and a $527,000 decrease in interest expense on deposits.

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

The $1.1 million decrease in interest expense on subordinated debt was a result of the Company repurchasing $20.0 million in par value of its $300.0 million Fixed-to-Floating Rate Subordinated Notes due 2032.

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

The most important components of non-interest income were $14.0 million from other income, $12.1 million from other service charges and fees, $10.5 million from service charges on deposit accounts, $4.7 million in mortgage lending income, $4.6 million from trust fees, $2.7 million from dividends from FHLB, FRB, FNBB and other, $1.4 million from the increase in cash value of life insurance and $1.0 million from the fair value adjustment for marketable securities.

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Included within other income were $2.0 million income from recoveries on historic losses, $1.9 million income from the gain on the retirement of subordinated debt, $1.8 million income from a recovery on a lawsuit and $187,000 in bank owned life insurance death benefit income.

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

During the third quarter of 2025, the Company completed the payoff of its $140.0 million 5.50% Fixed-to-Floating Rate Subordinated Notes due 2030.

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

In addition, the Company also repurchased $20.0 million of its $300.0 million Fixed-to-Floating Rate Subordinated Notes due 2032.

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Strategy & priorities

This improvement reflects the Company s disciplined approach to asset management, prudent lending practices, and ongoing focus on operational efficiency.

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Risks & headwinds

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

By nature, forward-looking statements involve inherent risks and uncertainties.

SEC original ↗Home Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 15, 2025

Documents

Earnings deck slides

0 decks with slide view

Home Bancshares Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

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