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Sep 30, 2025
Home BancShares Q3 2025 Earnings Report
Home BancShares reported record net income and revenue in Q3 2025, driven by strong net interest margin expansion and operational efficiency.
Key Takeaways
Home BancShares delivered another record quarter in Q3 2025, with net income and EPS at all-time highs. Strong net interest income, expanding margins, and disciplined expense management contributed to robust performance.
Net income reached a record $123.6 million for Q3 2025.
Net interest margin expanded to 4.56%, up from 4.44% in Q2.
Efficiency ratio improved to 40.21%, reflecting disciplined cost control.
Book value per share rose to a record $21.41.
Forward Guidance
Management remains optimistic based on strong fundamentals and improving margin trends.
Positive Outlook
- Strong net interest margin expansion
- Record net income and EPS performance
- Improved operating efficiency
- Solid credit quality with lower non-performing assets
- Strengthening capital position and record CET1 ratio
Challenges Ahead
- Slight decline in total deposits quarter-over-quarter
- Continued net charge-offs, especially in Texas and Florida
- Slower loan growth in Centennial CFG segment
- Share buyback activity declined compared to prior quarter
- Non-interest income flat versus prior quarter
Historical Earnings Impact
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Avg. Return Before/After Earnings
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