Monitor the Q4 earnings call for credit quality trends, particularly the trajectory of non-performing assets and charge-offs, which increased sequentially. The sequential revenue decline and rising NPAs warrant caution despite the record net income.
Price Chart
Executive Summary
Home BancShares reported Q3 2026 EPS of $0.65, a 1.9% beat vs consensus of $0.64, and net revenue of $288.4M vs consensus of $294.1M (a 1.9% miss). Net income reached a company-record $129.5M, up 4.7% YoY, driven by strong net interest income and lower credit loss expense. However, total revenue declined 2.3% sequentially and non-performing assets rose to 1.02% of total assets from 0.93% in Q2, signaling modest credit quality deterioration.
Key Financial Metrics
Key Facts
- GAAP diluted EPS of $0.65 vs consensus $0.64 (1.9% beat)
- Total revenue (net) of $288.4M vs consensus $294.1M (1.9% miss)
- Net income of $129.5M, a company record, up 4.7% YoY from $123.6M
- Net interest margin (NIM) expanded to 4.53% from 4.51% in Q2
- Non-performing assets to total assets increased to 1.02% from 0.93% in Q2
- Dividend increased 9.5% sequentially to $0.23 per share
- Company repurchased 1.3M shares in Q3 at a cost of $39.6M
Financial Impact
EPS beat by $0.01 (1.9%) vs consensus; revenue missed by $5.7M (1.9%) vs consensus
Risk Factors
- Non-performing assets rose to 1.02% of total assets from 0.93% in Q2, signaling potential credit deterioration
- Total revenue declined 2.3% sequentially from $295.1M to $288.4M
- Organic loan portfolio declined $255.7M in community banking footprint
Investment Themes
Documents Analyzed
This report is based on 1 press release from GlobeNewswire.
| Document | Accession Number |
|---|---|
| PRESS-RELEASE Data (Synthetic) | press-3381186 |
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
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