The earnings call highlighted strong financial performance with record earnings, robust loan growth, and high returns to shareholders. However, minor challenges such as a slight deposit decline, non-accrual loan issues, and increased expenses due to legal settlements were noted. Despite these challenges, the company's overall financial health and growth prospects remain positive.

Company Guidance

During the Home Bancshares, Inc. second quarter 2025 earnings call, the company reported record earnings of $118.4 million, or $0.60 per share, with a return on assets of 2.08%. The non-GAAP return on tangible common equity was 18.26%, while the GAAP figure was 17.68%. The company maintained a strong loan loss reserve at 1.86% and continued building Tier 1 capital at 15.6%, with a leverage ratio of 13.4% and total risk-based capital of 19.3%. Over the past year, tangible common equity grew by 11.25% to $13.44 per share, while the company repurchased over 3 million shares and paid $150 million in dividends. The net interest margin stood at 4.44%, with a core margin of 4.43%, slightly up from the previous quarter. Loan growth was robust, with $500 million in new commitments for the quarter, while deposits decreased by $53 million due to seasonal tax payments. The company expressed optimism for the second half of the year, targeting a potential $450 million in income for 2025.

Record Earnings Achieved

Home Bancshares reported record earnings of $118.4 million or $0.60 earnings per share, with a return on assets of 2.08%, slightly higher than the last quarter's $115.2 million earnings and 2.07% ROA.

Strong Financial Metrics

The company maintained a strong loan loss reserve at 1.86%, Tier 1 capital at 15.6%, leverage ratio at 13.4%, and total risk-based capital of 19.3%.

Significant Shareholder Returns

Over the past 12 months, tangible common equity grew by 11.25%, and the company bought back over 3 million shares worth $86 million, alongside paying $150 million in dividends.

Robust Loan Growth

The company closed approximately $500 million in new commitments for Q2, leading to portfolio growth and a total of over $1.8 billion.

Strong Core Earnings and Efficiency

The adjusted return on assets was 2.02%, with an adjusted efficiency ratio of 42.01%. The core net interest margin was 4.43%, up 20 basis points from the previous year.

Home Bancshares (HOMB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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HOMB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	0.60 / -	0.5	―	―	―
Jul 16, 2025	2025 (Q2)	0.57 / 0.58	0.52	11.54% (+0.06)	―
Apr 16, 2025	2025 (Q1)	0.54 / 0.56	0.49	14.29% (+0.07)	―
Jan 15, 2025	2024 (Q4)	0.52 / 0.50	0.46	8.70% (+0.04)	―
Oct 16, 2024	2024 (Q3)	0.53 / 0.50	0.47	6.38% (+0.03)	―
Jul 17, 2024	2024 (Q2)	0.49 / 0.52	0.51	1.96% (+0.01)	―
Apr 18, 2024	2024 (Q1)	0.46 / 0.49	0.54	-9.26% (-0.05)	―
Jan 18, 2024	2023 (Q4)	0.46 / 0.46	0.53	-13.21% (-0.07)	―
Oct 19, 2023	2023 (Q3)	0.48 / 0.47	0.54	-12.96% (-0.07)	―
Jul 20, 2023	2023 (Q2)	0.51 / 0.51	0.47	8.51% (+0.04)	―

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
Jul 16, 2025	$28.32	$28.93	+2.15%
Apr 16, 2025	$25.62	$26.10	+1.87%
Jan 15, 2025	$28.53	$28.86	+1.16%
Oct 16, 2024	$26.74	$26.28	-1.72%

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 Oct 16, 2025, Before Open (Confirmed).

What is Home Bancshares (HOMB) earnings time?

Home Bancshares (HOMB) earnings time is at Oct 16, 2025, 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 2025 (Q3) is 0.6.

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