Home Bancshares, Inc. · NYSE:HOMB
Home Bancshares — Q2 2026 Earnings Presentation
14 slides from Home Bancshares's earnings presentation, Jul 15, 2026
Slide 1: 2nd Quarter Earnings Call
NYSE: HOMB | 2nd Quarter Earnings Call www.homebancshares.com
Slide 2: Non-GAAP Financial Measures
NON-GAAP FINANCIAL MEASURES This presentation contains financial information determined by methods other than in accordance with generally accepted accounting principles (GAAP). The management of Home BancShares, Inc. (the “Company”) uses these non-GAAP financial measures--including net income (earn
Slide 3: Net Income
NET INCOME 3 Net income totaled $119.3 million for the second quarter of 2026, compared to $118.4 million for the second quarter of 2025. The Company completed its acquisition of Mountain Commerce Bancorp, Inc. (“Mountain Commerce”) during the quarter and recognized $12.7 million in merger-related e
Slide 4: Pre-Tax, Pre-Provision Net Income
PRE-TAX, PRE-PROVISION NET INCOME 4 Pre-tax, pre-provision net revenue (PPNR) (non-GAAP)(1) totaled $159.6 million for the second quarter of 2026, compared to $152.7 million in the first quarter of 2026. The Company completed its acquisition of Mountain Commerce during the quarter and incurred $12.7
Slide 5: Net Interest Income After Credit Loss Expense
NET INTEREST INCOME AFTER CREDIT LOSS EXPENSE 5 Net interest income after credit loss expense totaled $236.4 million for the second quarter of 2026, compared to $223.4 million in the first quarter of 2026, an increase of 5.8%. The increase was driven by continued growth in earning assets, including
Slide 6: Non-Interest Income
NON-INTEREST INCOME 6 Non-interest income totaled $53.5 million for the second quarter of 2026, compared to $42.8 million in the first quarter of 2026, an increase of 24.9%. The increase was primarily driven by higher other service charges and fees, a favorable fair value adjustment on marketable se
Slide 7: Total Revenue (Net)
TOTAL REVENUE (NET) 7 Total revenue (net) reached a Company-record $295.1 million for the second quarter of 2026, increasing 10.6% from $266.7 million in the prior quarter. The increase was driven by strong growth in net interest income, including the contribution from the Mountain Commerce acquisit
Slide 8: Expenses
EXPENSES 8 Total expenses increased during the second quarter of 2026, reflecting the completed acquisition of Mountain Commerce. Interest expense increased to $95.2 million from $87.1 million in the prior quarter, primarily due to higher interest on deposits resulting from a $921.3 million increase
Slide 9: Efficiency Ratio
EFFICIENCY RATIO 9 The efficiency ratio was 44.54% for the second quarter of 2026, compared to 41.59% in the prior quarter, primarily reflecting $12.7 million of merger-related expenses associated with the completed acquisition of Mountain Commerce. Excluding merger-related expenses and certain othe
Slide 10: Return on Average Assets
RETURN ON AVERAGE ASSETS 10 Return on average assets (ROA) was 1.95% for the second quarter of 2026, compared to 2.09% in the prior quarter. The decline was primarily attributable to $12.7 million of merger-related expenses associated with the completed acquisition of Mountain Commerce. Excluding me
Slide 11: Net Interest Margin
NET INTEREST MARGIN 11 The tables below present additional key financial metrics over the past five quarters, including net interest margin (NIM), yield on interest-earning assets, rate on interest-bearing liabilities, and net interest spread. These metrics are fundamental indicators of the Company’
Slide 12: Book Value Per Share
BOOK VALUE PER SHARE 12 Book value per share increased to $22.68 at June 30, 2026, from $22.15 at March 31, 2026, while tangible book value per share (non-GAAP)(1) increased to $15.32 from $14.87. The linked-quarter growth reflects strong earnings generation and the successful completion of the Moun
Slide 13: Contact Information
CONTACT INFORMATION 13 Corporate Headquarters Home BancShares, Inc. 719 Harkrider Street, Suite 100 P.O. Box 966 Conway, AR 72033 Financial Information Donna Townsell Director of Investor Relations (501) 328-4625 Website www.homebancshares.com
Slide 14: 2nd Quarter Earnings Call
NYSE: HOMB | 2nd Quarter Earnings Call www.homebancshares.com