Monitor credit quality trends closely — NPAs have doubled from 0.55% in Q4 2025 to 1.02% in Q3 2026, driven by a single large non-accrual loan relationship. The dividend increase and active buyback signal management confidence, but the revenue miss and rising credit costs warrant caution. Watch the Q4 2026 earnings call for guidance on NIM trajectory and credit normalization.
Price Chart
Executive Summary
Home BancShares reported record Q3 2026 net income of $129.5M ($0.65 EPS), in line with consensus EPS of $0.65. Revenue of $288.4M missed the $292.5M consensus estimate by -1.4%. Net interest margin expanded to 4.53% from 4.51% linked quarter, and ROA improved to 2.12% from 1.95%. Credit quality weakened with NPAs rising to 1.02% of assets from 0.93% linked quarter, driven by elevated non-accrual loans. The company increased its dividend by 9.5% to $0.23/share and repurchased 1.3M shares during the quarter.
Key Financial Metrics
Key Facts
- Record Q3 2026 net income of $129.5M, up 8.5% YoY from $123.6M
- Diluted EPS of $0.65, in line with consensus of $0.65
- Total revenue (net) of $288.4M missed consensus of $292.5M by -1.4%
- Net interest margin (FTE) expanded to 4.53% from 4.51% linked quarter
- ROA improved to 2.12% from 1.95% linked quarter
- Non-performing assets to total assets rose to 1.02% from 0.93% linked quarter
- Dividend increased 9.5% to $0.23/share from $0.21 linked quarter
- Repurchased 1.3M shares at a buyback yield of 0.69%
- Completed acquisition of Mountain Commerce Bancorp on April 1, 2026
Financial Impact
EPS in line with consensus, revenue slightly below consensus, credit quality deterioration offset by strong NIM and ROA expansion
Risk Factors
- Rising non-performing assets (1.02% of total assets) driven by a $92.1M non-accrual loan relationship
- Revenue miss vs consensus (-1.4%) despite record net income
- Organic loan decline of $255.7M in community banking footprint during Q3
- Decrease in accumulated other comprehensive income by $64.9M impacting equity
Investment Themes
Documents Analyzed
This report is based on 7 SEC documents filed with EDGAR.
| Document | Accession Number |
|---|---|
| 8-K Filing (Primary) | 0001331520-26-000117 |
| Document: homb-20261014.htm | 0001331520-26-000117 |
| Document: q32026presentationforweb.htm | 0001331520-26-000117 |
| Document: 0001331520-26-000117-index-headers.html | 0001331520-26-000117 |
| Document: 0001331520-26-000117-index.html | 0001331520-26-000117 |
| Document: 0001331520-26-000117.txt | 0001331520-26-000117 |
| 8-K Data (Synthetic) | 0001331520-26-000117 |
Track record builds as more directional reports settle.
Filters
| Type | Now | ||||
|---|---|---|---|---|---|
Oct 21, 2026 5d ago | Press Release | $30.15 | awaiting T+60 | — | $30.07 (−0.27%) |
Oct 21, 2026 5d ago | Institutional Cluster | $30.15 | awaiting T+60 | — | $30.07 (−0.27%) |
Oct 14, 2026 12d ago | 8-K | $28.87 | awaiting T+60 | — | $30.07 (+4.16%) |
Oct 14, 2026 12d ago | Press Release | $28.87 | awaiting T+60 | — | $30.07 (+4.16%) |
Aug 12, 2026 10w ago | Insider Cluster | $31.12 | awaiting T+60 | — | $30.07 (−3.37%) |
Jul 22, 2026 13w ago | Press Release | $30.73 $28.87 | ▼ −6.05% | ▼ −10.61% | $30.07 (−2.15%) |
Jul 15, 2026 14w ago | Press Release | $30.69 $28.25 | ▼ −7.95% | ▼ −11.66% | $30.07 (−2.02%) |
Jun 15, 2026 19w ago | Press Release | $28.00 $29.77 | ▲ +6.32% | ▲ +5.32% | $30.07 (+7.39%) |
Apr 17, 2026 27w ago | Insider Cluster | $26.89 $29.00 | ▲ +7.85% | ▲ +1.70% | $30.07 (+11.83%) |
Apr 17, 2026 27w ago | Insider Cluster | $26.89 $29.00 | ▲ +7.85% | ▲ +1.70% | $30.07 (+11.83%) |
US Market Status
Subscribe to SecBot
Get Real-Time SEC Filing Intelligence
Comprehensive SEC filing analysis delivered the moment filings hit EDGAR. Sentiment scoring, impact analysis, and actionable insights for every material event.
Create a free account Live analysis, Telegram alerts, watchlists and the MCP server for subscribers