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Dec 31, 2025
Home BancShares Q4 2025 Earnings Report
Home BancShares reported solid Q4 results driven by strong loan growth, margin expansion, and operational efficiency.
Key Takeaways
Home BancShares delivered another strong quarter with $400.2M in loan growth, maintaining a sub-40% efficiency ratio, and achieving over $118M in net income. Its net interest margin expanded to 4.61%, and its ROA stayed above 2%.
Net income reached $118.2 million in Q4, supported by loan growth and margin strength.
EPS was $0.60, with adjusted EPS matching at $0.60.
Efficiency ratio improved to 39.54%, indicating solid cost control.
Net interest margin rose to 4.61%, driven by disciplined deposit cost management.
Forward Guidance
The company did not issue explicit forward financial guidance, but ongoing momentum in loan growth, efficiency, and capital strength positions it well entering 2026.
Positive Outlook
- Strong capital levels with CET1 at 16.3%
- Loan growth of over $400 million in Q4 alone
- Sub-40% efficiency ratio sustained
- ROA and NIM remained strong despite market conditions
- Book value and tangible book value per share reached record highs
Challenges Ahead
- Slight decrease in sequential net income from Q3
- Provision for credit losses increased to $14.4M
- Deposit costs remain elevated, though declining
- Legal expense recovery was non-recurring
- No specific forward guidance provided
Historical Earnings Impact
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Avg. Return Before/After Earnings
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