Home Bancshares, Inc. · NYSE:HOMB
Home Bancshares — Q4 2025 Earnings Presentation
13 slides from Home Bancshares's earnings presentation, Jan 15, 2026
Slide 1: 4th Quarter Earnings Call
NYSE: HOMB | 4th 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 Net income increased steadily through the first three quarters of 2025, reaching a peak of $123.6 million in Q3. Net income, as adjusted (non-GAAP)(1) followed a similar trend, ending the year at $117.9 million. In Q4, net income was $118.2 million, as the Company recorded $14.4 million i
Slide 4: Pre-Tax, Pre-Provision Net Income
PRE-TAX, PRE-PROVISION NET INCOME PPNR continued its upward trajectory throughout 2025, reflecting strong underlying earnings power. PPNR (non- GAAP)(1) grew from $146.2 million at Q4 2024 to $167.7 million at Q4 2025. PPNR, as adjusted, (non-GAAP)(1) increased to $167.1 million in Q4 2025 from $145
Slide 5: Total Revenue (Net)
TOTAL REVENUE (NET) Total revenue (net) demonstrated steady quarterly growth throughout 2025. Total revenue (net) increased from $258.4 million in Q4 2024 to $260.1 million in Q1 2025, followed by $271.0 million in Q2 and $277.7 million in Q3. By Q4 2025, it reached $282.1 million, reflecting contin
Slide 6: Expenses
EXPENSES Interest expense declined steadily throughout 2025, decreasing from $105.6 million in Q4 2024 to $92.0 million in Q4 2025. Non-interest expense remained relatively stable, ranging from $112.2 million in Q4 2024 to $114.4 million in Q4 2025, with a peak of $116.0 million in Q2 2025, primaril
Slide 7: Return on Average Assets
RETURN ON AVERAGE ASSETS ROA demonstrated strong improvement in 2025, rising from 1.77% in Q4 2024 to a peak of 2.17% in Q3 2025. ROA, as adjusted, (non-GAAP)(1) followed a similar trend, reaching 2.10% in Q3 2025. Despite a slight moderation in Q4 2025 resulting from the provision for credit losses
Slide 8: Efficiency Ratio
EFFICIENCY RATIO The chart below underscores the Company’s 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 net
Slide 9: 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 10: Annual Net Income
ANNUAL NET INCOME Net income has shown consistent growth over the past four years. In 2022, net income was $305.3 million, increasing by 29% to $392.9 million in 2023. Growth continued in 2024 with net income reaching $402.2 million, a 2% increase from the prior year. In 2025, net income rose signif
Slide 11: Annual DEPS vs. Shares Outstanding
ANNUAL DEPS VS. SHARES OUTSTANDING Diluted earnings per share (DEPS) demonstrated strong growth over the past four years, rising from $1.57 in 2022 to $2.41 in 2025, an increase of 53%. Year-over-year, DEPS grew 24% in 2023, 4% in 2024, and accelerated to 20% in 2025, reflecting improved profitabili
Slide 12: 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 12
Slide 13: 4th Quarter Earnings Call
NYSE: HOMB | 4th Quarter Earnings Call www.homebancshares.com