Home Bancshares, Inc. (HOMB) Earnings
Home Bancshares, Inc. is expected to report next earnings on July 15, 2026 (in NaN days), with a consensus EPS estimate of $0.62. HOMB has beaten EPS estimates in 7 of its last 12 reported quarters (average surprise +0.5% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 16, 2026 | $0.60 | $0.60 | +0.0% | $267M | -2.3% |
| Jan 14, 2026 | $0.60 | $0.60 | +0.0% | $260M | -5.2% |
| Oct 15, 2025 | $0.60 | $0.61 | +2.2% | $280M | +3.6% |
| Jul 16, 2025 | $0.58 | $0.58 | +0.0% | $267M | -1.2% |
| Apr 16, 2025 | $0.54 | $0.56 | +4.3% | $257M | +0.7% |
| Jan 15, 2025 | $0.53 | $0.50 | -5.7% | $255M | +0.8% |
| Oct 16, 2024 | $0.53 | $0.50 | -5.7% | $254M | -1.7% |
| Jul 17, 2024 | $0.49 | $0.52 | +6.1% | $249M | -1.2% |
| Apr 18, 2024 | $0.46 | $0.49 | +6.5% | $243M | +1.0% |
| Jan 18, 2024 | $0.45 | $0.48 | +6.7% | $239M | -1.5% |
| Oct 19, 2023 | $0.48 | $0.49 | +2.1% | $241M | -3.3% |
| Jul 20, 2023 | $0.51 | $0.52 | +2.0% | $251M | -1.5% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 16, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
- Chairman John Allison highlighted strong first quarter results, sound expense control, record book values. Mentioned merger with Mountain Commerce, delay in converting due to back office upgrade. Talked about $110M Texas credit non-performing, but confident in resolving. Discussed stock repurchases, M&A opportunities. - Chris Fulton on CCFG: portfolio grew to $2.1B in Q1, $370M new loan production, payoffs $200M. Reduced private credit exposure over past three years due to market trends. - Stephen Tipton on earnings: $118.2M net income in Q1, 2.09% ROA, 16.56% ROE. Net interest margin 4.51%, loan yield 7.08%, deposit costs 2.35%. Deposits up $258M, non-interest bearing balances up. - Kevin Hester on lending: loan balances dropped ~$50M, but average loan balances up. Non-accrual of Texas C&I credit, but reserve coverage of non-performing loans over 160%
Guidance
- Anticipates slightly higher payoffs in Q2, expects pipeline to replace balances. - Open to more M&A deals, especially if market conditions allow. - Continues stock repurchase program, expects impact on earnings once Mountain Commerce converted. - Cautious on long side due to economic uncertainties
Segment performance
Book value per share was $22.15, tangible book value per share $14.87 (a $1.72 increase year over year, 13% increase). CET1 at 16.7%, leverage 14.3%, Tier 1 capital 16.7%. CCFG grew portfolio to approx $2.1 billion in Q1, $60M increase, $370M new loan production. Payoffs $200M in Q1, expected higher in Q2. Loan balances: ending loan balances dropped ~$50M, average loan balances up $174M linked quarter. Deposit balances increased $258M, non-interest bearing balances grew $126M to almost $4B (22.5% of total deposits). Loan yield 7.08%, interest-bearing deposit costs 2.35%, total deposit costs 1.83%
Risks & headwinds
- Economic uncertainties including war, inflation, interest rate fluctuations. - Potential credit risks with certain loans, although confident in resolving the $110M Texas credit. - Competitive pressures in loan and deposit markets
Analyst Q&A
Q: Talk about progress on acquiring more assets after Mountain Commerce,
A: Conversations ongoing, hold tight to philosophy of not diluting shareholders, may do smaller deals if fits. -
Q: Loan yields,
A: Impact of non-accrual was about 5 basis points to loan yield, decline due to variable rate resets. -
Q: Loan trend,
A: Second quarter may feel soft, pipeline process more visibility on payoffs than new loans. -
Q: Margin impact from Mountain Commerce deal,
A: Expect little pressure initially, but additive to NII and EDS. -
Q: Expenses,
A: Core expenses around $115M, Mountain Commerce adds ~$7-7.5M a quarter until cost saves realized. -
Q: Private credit outlook,
A: Current bias towards further reduction, wait for credit market to stabilize for growth