Home BancShares Q3 net income $123.6M record; EPS $0.63 beats prior; NIM 4.56%

HOME BANCSHARES INC

2025-Q3 EPS reported $1.80

Net income $123.6M ($0.63 diluted EPS) — record; adjusted net income $119.7M ($0.61 adj. EPS).
Revenue (net) $277.7M, up from $258M in Q3 '24; NIM 4.56% vs 4.28% YoY; efficiency ratio 40.21%.
ROA 2.17% (record); ROTCE 18.28%; book value per share $21.41 (record); tangible book $14.13.
Loans grew $105.3M to $15.29B; organic community-banking loan growth $164.8M; NPA ratio 0.56%.
Repurchased 350k shares ($9.9M); dividend $0.20 per share; paid off $140M subordinated notes.

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