Home Bancshares (HOMB)
NYSE:HOMB
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Earnings Data
Report Date
Jul 16, 2026Before Open (Confirmed)
Period Ending
2026 (Q2)Consensus EPS Forecast
0.62Last Year’s EPS
0.58Same Quarter Last Year
Moderate Buy
Based on 5 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
Overall the call presents a positive operational and capital position: record book-value metrics, strong profitability (2.09% ROA, 16.56% ROTCE), robust capital ratios, high reserves, disciplined private-credit de-risking, and active capital return/M&A activity. Near-term headwinds include one large nonperforming credit, elevated payoff activity that may slow organic loan growth in Q2–Q3, modest QoQ NIM compression, and temporary expense pressure from the Mountain Commerce integration. Management communicates confidence in reserves, capital and the ability to manage the Texas credit and payoff cycles while pursuing buybacks and accretive M&A.Company Guidance
Record Book Value and Tangible Book Growth
Book value per share of $22.15 and tangible book value per share of $14.87, a $1.72 per share increase year-over-year (13% YoY growth).
Strong Profitability
Net income of $118.2 million for Q1 2026, with a 2.09% return on assets (ROA) and a 16.56% return on tangible common equity (ROTCE). Q1 earnings were up $3 million (2.6%) vs prior-year quarter.
Robust Capital and Liquidity
Common Equity Tier 1 (CET1) capital at 16.7%, Tier 1 at 16.7%, leverage ratio 14.3%, and total risk-based capital 19.5% — all signaling strong capitalization.
High Loan Loss Reserves and Coverage
Approximately $300 million in loan loss reserves. Reserve coverage of nonperforming loans over 160%; management notes reserves would cover ~15 years of historical charge-offs using the last five-year average (including the 04/2024 cleanup).
Deposit Growth and Strong Core Deposits
Total deposit balances increased $258 million (driven by Florida regions). Noninterest-bearing balances grew by $126 million to nearly $4 billion and now represent 22.5% of total deposits.
Active Loan Production and CCFG Growth
Total loan production in Q1 was $917 million. CCFG portfolio grew to ~$2.1 billion (a ~$60 million increase), supported by $370 million in new loan production; CCFG payoffs were just under $200 million in the quarter.
Disciplined Private Credit Positioning
Private credit exposure reduced from just under $500 million in 2022 to $87 million today — an >80% reduction. Remaining exposures are primarily AA-rated with senior positions and sponsor equity support (attachment point ~58% of par).
Share Repurchase Activity & M&A Progress
Repurchased shares during the quarter (507,000 shares reported) and management intends to continue buybacks (filed a 10b5-1). Successfully closed Mountain Commerce Bank acquisition (MCB); MCB expected to add >$1.4 billion in loans and provide future cost saves once converted.
NIM and Funding Cost Trends (Context)
Reported net interest margin (NIM) of 4.51% (core margin 4.51%). Deposit costs declined (interest-bearing deposit cost 2.35%, down 12 bps; total deposit cost 1.83%, exited quarter at 1.82%). NIM was up 7 bps YoY.
HOMB Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
HOMB Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Apr 15, 2026 | $27.67 | $26.74 | -3.36% |
Jan 14, 2026 | $28.41 | $28.67 | +0.91% |
Oct 15, 2025 | $27.05 | $26.13 | -3.39% |
Jul 16, 2025 | $27.91 | $28.51 | +2.14% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does Home Bancshares (HOMB) report earnings?
Home Bancshares (HOMB) is schdueled to report earning on Jul 16, 2026, Before Open (Confirmed).
What is Home Bancshares (HOMB) earnings time?
Home Bancshares (HOMB) earnings time is at Jul 16, 2026, Before Open (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is HOMB EPS forecast?
HOMB EPS forecast for the fiscal quarter 2026 (Q2) is 0.62.