Home BancShares, Inc. · NYSE:HOMB
Home BancShares — Q3 2025 Earnings Presentation
9 slides from Home BancShares's earnings presentation, Oct 26, 2025
Slide 1: 3rd Quarter Earnings Call
Exhibit 99.2 NYSE: HOMB | 3rd 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 Company’s management uses these non-GAAP financial measures--including net income (earnings), as adjusted; pre-tax, pr
Slide 3: Net Income
NET INCOME The chart below illustrates Home BancShares’ consistent improvement in profitability over the past five quarters. 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. This sustained upward trend reflects
Slide 4: Pre-Tax, Pre-Provision Net Income
PRE-TAX, PRE-PROVISION NET INCOME The chart below demonstrates Home BancShares’ robust operational performance as measured by pre- tax, pre-provision net income (PPNR) (non-GAAP)(1) over the past five quarters. PPNR is a key indicator of the Company’s earnings power, as it reflects revenue generatio
Slide 5: Return on Average Assets
RETURN ON AVERAGE ASSETS The chart below highlights Home BancShares’ strong and consistent return on average assets (ROA) over the past five quarters. ROA, a key measure of how efficiently the Company utilizes its assets to generate net income, has demonstrated a steady upward trend, reaching 2.17%
Slide 6: Efficiency Ratio
EFFICIENCY RATIO The chart below underscores Home BancShares’ strong and consistent performance in managing operating expenses, as reflected in its efficiency ratio over the past five quarters. The efficiency ratio is a key metric that measures how effectively the Company converts its revenue into n
Slide 7: Net Interest Margin
NET INTEREST MARGIN 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’s p
Slide 8: Contact Information
CONTACT INFORMATION 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 8
Slide 9: 3rd Quarter Earnings Call
NYSE: HOMB | 3rd Quarter Earnings Call www.homebancshares.com