Home BancShares, Inc. (NYSE: HOMB) released quarterly earnings, reporting a net income of $118.2 million in Q4 2025. Total revenue (net) increased to $282.1 million, with a pre-tax net income of 54.35%. The company’s ROA improved to 2.06%, showcasing its strong financial performance and commitment to shareholder value.

The company’s net income steadily increased throughout 2025, reaching $123.6 million in Q3. PPNR also grew from $146.2 million in Q4 2024 to $167.7 million in Q4 2025. Total revenue (net) demonstrated consistent growth, reaching $282.1 million in Q4 2025. These results reflect the company’s sustained profitability and operational excellence.

In 2025, the company’s ROA improved from 1.77% in Q4 2024 to 2.17% in Q3 2025. Despite a slight decline in Q4 2025 due to credit loss provisions, ROA remained above 2.0%. The company’s efficiency ratio highlights its cost discipline and operational efficiency, essential for profitability and shareholder value enhancement.

Annual financial performance trends show a significant increase in net income, reaching $475.4 million in 2025, an 18% year-over-year growth. Diluted earnings per share (DEPS) also rose by 20% in 2025, reflecting improved profitability. The company’s commitment to enhancing shareholder value is evident through higher earnings and a reduced share count, driving per-share earnings growth.

Operating highlights for Q4 2025 include a net income of $118.2 million, with a net interest margin of 4.61%. Adjusted net income and diluted earnings per share were reported at $117.9 million and $0.60 per share, respectively. These results underscore the company’s strong financial performance and strategic focus. The yield on loans was 7.30% for the three months ended December 31, 2025, with average loans increasing to $15.51 billion. Interest-bearing deposits decreased to 2.47% as of December 31, 2025. Net interest income was $233.8 million for the same period, with non-interest income at $50.5 million.

Total loans receivable reached $15.69 billion, a record high for the company. Non-performing loans were at 0.54% of total loans at December 31, 2025. Shareholders’ equity was $4.30 billion at the end of the period, with book value per common share at $21.88.

Non-interest expenses for the fourth quarter were $114.4 million, with the most significant components being salaries and employee benefits. The company experienced organic loan growth, with Centennial CFG contributing $235.9 million. Stock repurchases totaled 540,706 shares. During the three-month period ending September 30, 2025, Home BancShares repurchased 350,000 shares of common stock, resulting in a shareholder buyback yield of 0.18%. Additionally, the company paid a dividend of $0.21 per share, marking a 5.0% increase from the previous quarter.

Home BancShares currently operates 75 branches in Arkansas, 78 in Florida, 59 in Texas, 5 in Alabama, and 1 in New York City. The company’s acquisition of Mountain Commerce Bancshares, Inc. is set to close in the first half of 2026, subject to regulatory approvals and shareholder consent.

Management will host a conference call on January 15, 2026, to review recent developments. Participants can pre-register for the webcast or live call. Those unable to pre-register can access the call by dialing a provided number. A replay will be available until January 22, with internet access to the call on the company’s website.

Home BancShares, Inc. is a bank holding company based in Conway, Arkansas, with its subsidiary Centennial Bank offering various banking and financial services. The company’s common stock is traded on the NYSE under the symbol “HOMB.” Non-GAAP financial measures are used to provide additional insights into the company’s performance.

This press release contains forward-looking statements regarding Home BancShares’ future plans and financial results. Forward-looking statements involve risks and uncertainties that could impact actual results. Words like “may,” “plan,” “anticipate,” and “expect” indicate forward-looking statements, which should be evaluated with caution due to inherent uncertainties. Home BancShares, Inc. is considering the acquisition of MCBI, with factors like economic conditions, credit quality, and interest rates influencing the decision. The completion of the acquisition depends on regulatory approvals and market conditions, with potential risks including unexpected costs and delays in realizing benefits. Integration challenges and competition are also key considerations.

Investors and security holders of MCBI are advised to read the Proxy Statement/Prospectus for important information on the proposed merger with Home. Home and MCBI directors and officers may participate in the solicitation of proxies, with details of ownership and interests disclosed in regulatory filings. Free copies of relevant documents can be obtained online or by contacting Donna Townsell.

For more information on Home BancShares, Inc., including financial data and investor relations, contact Donna Townsell, Director of Investor Relations. The company’s consolidated end-of-period balance sheets show unaudited figures for Dec. 31, 2025, Sep. 30, 2025, Jun. 30, 2025, and Mar. 31, 2025. Stay informed about potential mergers and acquisitions in the banking industry by following updates from Home BancShares, Inc. Home BancShares, Inc. reported total assets of $22,881,879 for the quarter ended December 31, 2025. Interest income for the same period was $323,631, with interest expense of $92,045. Net interest income was $231,586. Non-interest income totaled $50,500, while non-interest expense was $114,363. Net income for the quarter was $118,225.

The company’s diluted earnings per common share for the quarter were $0.60, with a book value per common share of $21.88. Return on average assets (ROA) was 2.06%, and return on average tangible common equity (ROTCE) was 16.65%. Efficiency ratio was 39.54%. Total loans receivable were $15,686,209, with an allowance for credit losses of $297,583.

Average net interest margin was 4.61% for the quarter ended December 31, 2025. Total interest-earning assets were $19,996,073, with total interest-bearing liabilities of $14,418,085. Non-interest bearing deposits were $3,926,307. Total non-performing assets were $124,813.

For the year ended December 31, 2025, net interest income and margin – FTE were $902,588 and 4.51%, respectively. Total interest-earning assets were $19,996,073, with total interest-bearing liabilities of $14,437,513. Non-interest bearing deposits were $3,961,332. Net interest spread was 3.77%. Home BancShares, Inc. reported net income of $117,863 for the quarter ending December 31, 2025. Adjusted net income was $119,682, with a diluted earnings per share of $0.61. The company’s return on average assets was 2.05% and return on average common equity was 11.04%.

For the quarter, Home BancShares, Inc. had a tangible book value per common share of $14.60. The efficiency ratio was 39.54%, with a pre-tax net income to total revenue ratio of 54.35%. The company also repurchased 541 shares at an average price of $27.26 per share.

Shareholder buyback yield for Home BancShares, Inc. was 0.27% for the quarter, with a total share repurchase cost of $14,888. The company repurchased a total of 541 shares at an average price of $27.26 per share, totaling $14,888. 1. The stock market saw a significant drop today, with the Dow Jones Industrial Average falling by 500 points due to fears of rising inflation rates. This marks the biggest one-day decline in over a month, with tech stocks leading the way in losses.

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3. COVID-19 cases are on the rise in several states, with hospitalizations reaching a new high in some areas. Health officials are urging the public to continue practicing safety measures such as wearing masks and getting vaccinated to prevent further spread of the virus.

4. In sports news, the Tokyo Olympics are set to begin next month with strict COVID-19 protocols in place. Athletes and spectators will be required to follow safety guidelines, including regular testing and mask-wearing, to ensure the safety of all participants.

Read more at GlobeNewswire.: HOMB Delivers Another Strong Quarter: $400 Million Loan