Home Bancshares, Inc. · NYSE:HOMB
Home Bancshares — Q1 2026 Earnings Presentation
14 slides from Home Bancshares's earnings presentation, Apr 15, 2026
Slide 1: 1st Quarter Earnings Call
NYSE: HOMB | 1st 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 management of Home BancShares, Inc. (the “Company”) uses these non-GAAP financial measures--including net income (earn
Slide 3: Net Income
NET INCOME 3 During the first quarter of 2026, the Company delivered stable and resilient earnings performance, with net income of approximately $118.2 million, consistent with the prior quarter and up year over year. Net income, as adjusted (non-GAAP)(1), of approximately $118.2 million further ref
Slide 4: Pre-Tax, Pre-Provision Net Income
PRE-TAX, PRE-PROVISION NET INCOME 4 The chart below reflects solid year-over-year growth in pre-tax, pre-provision net revenue (PPNR) during the first quarter of 2026, reflecting continued strength in operating performance. PPNR totaled approximately $152.7 million, representing an increase of $5.6
Slide 5: Net Interest Income After Credit Loss Expense
NET INTEREST INCOME AFTER CREDIT LOSS EXPENSE 5 Net interest income after credit loss expense increased by $6.2 million from Q4 2025 to Q1 2026 and $8.7 million on a year over year basis. These results reflect a generally upward trend throughout the periods presented, supported by effective balance
Slide 6: Non-Interest Income
NON-INTEREST INCOME 6 Non-interest income was $42.8 million for the first quarter of 2026, reflecting a normalization from the levels experienced in prior quarters, primarily due to certain non-continuing other income items. Results remained supported by a diversified mix of revenue streams, with pe
Slide 7: Total Revenue (Net)
TOTAL REVENUE (NET) 7 Total revenue (net) during the first quarter of 2026 was approximately $266.7 million, representing an increase of $6.6 million, or 2.5%, year over year. While revenue moderated from the fourth quarter, results demonstrate the durability of the Company’s revenue base and provid
Slide 8: Expenses
EXPENSES 8 During the first quarter of 2026, the Company demonstrated continued expense discipline and effective balance sheet management. Interest expense declined to $87.1 million primarily due to the declining interest rate environment. Non-interest expense remained well controlled at approximate
Slide 9: Efficiency Ratio
EFFICIENCY RATIO 9 The Company continued to demonstrate strong operating discipline throughout Q1 2026, posting an efficiency ratio of 41.6%. While modestly higher than the fourth quarter level, the efficiency ratio reflects continued, effective expense management and remains well controlled. The ef
Slide 10: Return on Average Assets
RETURN ON AVERAGE ASSETS 10 The Company delivered strong and improving return on average assets (ROA) during the first quarter of 2026, with an ROA of approximately 2.09%. This performance reflects both a year over year and sequential quarterly increase, underscoring continued balance sheet efficien
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 $22.15 at March 31, 2026, representing steady growth from $20.40 at March 31, 2025. Tangible book value per share (non-GAAP)(1) also rose consistently to $14.87 over the same period. The continued sequential improvement reflects retained earn
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: 1st Quarter Earnings Call
NYSE: HOMB | 1st Quarter Earnings Call www.homebancshares.com