Home Bancshares, Inc. · NYSE:HOMB
Home Bancshares — Q3 2025 Earnings Presentation
9 slides from Home Bancshares's earnings presentation, Oct 15, 2025
Slide 1: 3rd Quarter Earnings Call
NYSE: HOMB | 3rd Quarter Earnings Call www.homebancshares.com Exhibit 99.2
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 3 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 reflec
Slide 4: Pre-Tax, Pre-Provision Net Income
PRE-TAX, PRE-PROVISION NET INCOME 4 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 generat
Slide 5: Return on Average Assets
RETURN ON AVERAGE ASSETS 5 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 6 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
Slide 7: Net Interest Margin
NET INTEREST MARGIN 7 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
Slide 8: Contact Information
CONTACT INFORMATION 8 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 9: 3rd Quarter Earnings Call
NYSE: HOMB | 3rd Quarter Earnings Call www.homebancshares.com