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 | Source: Home BancShares, Inc.

CONWAY, Ark., Oct. 21, 2026 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB) (the “Company”), parent company of Centennial Bank (“Centennial”), announced today that its Board of Directors increased the number of shares authorized for repurchase under the Company’s stock repurchase program and declared its regular quarterly cash dividend.

On October 16, 2026, the Board of Directors of the Company increased the number of shares of the Company’s common stock authorized for repurchase under its stock repurchase program to 20,000,000 shares. The program was originally approved by the Board in January 2008 and was most recently amended in January 2025. As of October 16, 2026, approximately 13,450,123 shares remained available under the existing authorization; therefore, the Board’s action increased the number of shares available for repurchase by 6,549,877. Since the program’s inception, the Company has repurchased 33,057,384 shares of HOMB common stock for an aggregate purchase price of $701.8 million.

In addition, the Board of Directors declared a regular quarterly cash dividend of $0.23 per share, payable December 2, 2026, to shareholders of record as of November 11, 2026. The dividend is consistent with the quarterly dividend paid in the third quarter of 2026 and represents the Company’s 82nd consecutive quarterly cash dividend since its initial public offering.

“Our strong earnings and capital position provide us the opportunity to continue to repurchase Home BancShares stock. We view share repurchases as a highly effective way to increase shareholder value. As shares are repurchased and retired, our shareholders benefit by increasing their personal ownership position in our company. Another benefit to our shareholders is a quarterly dividend. Our Board of Directors increased the dividend by $0.02, or 9.5% a share in the third quarter this year. We will review the amount again this time next year,” said John Allison, Chairman.

Home BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Its wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has branch locations in Arkansas, Florida, Texas, Tennessee, South Alabama and New York City. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.” The Company was founded in 1998. Visit www.homebancshares.com or www.my100bank.com for more information.

This release contains forward-looking statements regarding the Company’s plans, expectations, goals and outlook for the future, including future financial results, stock repurchases and cash dividend payments. Statements in this press release that are not historical facts should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not guarantees of future events, performance or results. Forward-looking statements of this type speak only as of the date of this news release. By nature, forward-looking statements involve inherent risks and uncertainties. Various factors could cause actual results to differ materially from those contemplated by the forward-looking statements. These factors include, but are not limited to, the following: economic conditions, credit quality, interest rates, loan demand, real estate values and unemployment, including the ongoing impacts of inflation; the ability to identify, complete and successfully integrate new acquisitions; the risk that expected cost savings and other benefits from acquisitions may not be fully realized or may take longer to realize than expected; diversion of management time on acquisition-related issues; the availability of and access to capital and liquidity on terms acceptable to us; legislative and regulatory changes and risks and expenses associated with current and future legislation and regulations; technological changes and cybersecurity risks and incidents; the effects of changes in accounting policies and practices; changes in governmental monetary and fiscal policies; political instability, military conflicts and other major domestic or international events; the impacts of recent or future adverse weather events, including hurricanes, and other natural disasters; disruptions, uncertainties and related effects on credit quality, liquidity and other aspects of our business and operations that may result from any future public health crises; competition from other financial institutions; potential claims, expenses and other adverse effects related to current or future litigation, regulatory examinations or other government actions; potential increases in deposit insurance assessments, increased regulatory scrutiny or market disruptions resulting from financial challenges in the banking industry; changes in the assumptions used in making the forward-looking statements; and other factors described in reports we file with the Securities and Exchange Commission (the “SEC”), including those factors set forth in our Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on February 27, 2026.

FOR MORE INFORMATION CONTACT:
Donna Townsell
Director of Investor Relations
Home BancShares, Inc.
(501) 328-4625

Home BancShares, Inc. (HOMB) Q3 2026 Earnings Call October 15, 2026 2:00 PM EDT

Company Participants

Donna Townsell - Senior EVP, Director of Investor Relations, Corporate Secretary & Director
John Allison - Co-Founder, Chairman & CEO
John Tipton - Chief Operating Officer
Kevin Hester - President & Chief Lending Officer
Christopher Poulton - President of Centennial Commercial Finance Group
Brian Davis - CFO, Treasurer & Director

Conference Call Participants

Wood Lay - Keefe, Bruyette, & Woods, Inc., Research Division
Jon Arfstrom - RBC Capital Markets, Research Division
Brett Rabatin - StoneX Financial, Inc., Research Division
Matt Olney - Stephens Inc., Research Division
Michael Rose - Raymond James & Associates, Inc., Research Division
David Rochester - Cantor Fitzgerald & Co., Research Division
Edward Najarian
Brian Martin - Brean Capital, LLC, Research Division

Presentation

Operator

Greetings ladies and gentlemen. Welcome to the Home BancShares, Inc. Third Quarter 2026 Earnings Call. The purpose of this call is to discuss the information and data provided in the quarterly earnings release issued after the market closed yesterday. The company presenters will begin with prepared remarks, then entertain questions. [Operator Instructions]

The company has asked me to remind everyone to refer to their cautionary note regarding forward-looking statements. You will find this note on Page 3 of their Form 10-K filed with the SEC in February 2026. [Operator Instructions] And this conference is being recorded.

It is now my pleasure to turn the call over to Donna Townsell, Director of Investor Relations. Donna, please go ahead.

Donna Townsell
Senior EVP, Director of Investor Relations, Corporate Secretary & Director

Thank you. Good afternoon, and welcome to our third quarter conference call. With me for today's discussion is our Chairman, John Allison; Stephen Tipton, Chief Executive Officer of Centennial Bank; Kevin Hester, President and Chief Lending Officer; Brian Davis, our Chief Financial Officer; Chris Poulton, President of CCFG; and Scott Walter of Shore Premier Finance.

Home BancShares retains a soft ‘buy' rating despite a 3% post-earnings dip and underwhelming revenue versus analyst expectations. HOMB's asset quality is robust, with return on assets at 2.12% and return on equity at 11.24%, both exceeding key benchmarks. Recent Mountain Commerce Bancorp acquisition drove deposit and loan growth, with management targeting $5.5–$6 million in annual cost savings.

For the quarter ended September 2026, Home BancShares (HOMB - Free Report) reported revenue of $288.44 million, up 3.9% over the same period last year. EPS came in at $0.65, compared to $0.61 in the year-ago quarter.

The reported revenue compares to the Zacks Consensus Estimate of $293 million, representing a surprise of -1.56%. The company delivered an EPS surprise of +1.56%, with the consensus EPS estimate being $0.64.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.

Here is how Home BancShares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

Efficiency Ratio: 40.8% versus 41.7% estimated by four analysts on average.Net Interest Margin (FTE): 4.5% compared to the 4.5% average estimate based on four analysts.Average Balance - Total interest-earning assets: $21.43 billion compared to the $21.78 billion average estimate based on three analysts.Net charge-offs (recoveries) to average total loans: 0.1% versus 0.1% estimated by three analysts on average.Total non-performing assets: $245.31 million compared to the $134.79 million average estimate based on two analysts.Total non-performing loans: $200.81 million versus the two-analyst average estimate of $90.55 million.Total Non-Interest Income: $46.45 million compared to the $49.48 million average estimate based on four analysts.Net Interest Income: $241.99 million versus the four-analyst average estimate of $242.8 million.Net Interest Income (FTE): $244.51 million versus $245.38 million estimated by three analysts on average.Mortgage lending income: $3.78 million compared to the $5.41 million average estimate based on two analysts.Insurance commissions: $0.56 million compared to the $0.61 million average estimate based on two analysts.View all Key Company Metrics for Home BancShares here>>>

Shares of Home BancShares have returned -6.1% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

With third-quarter earnings season kicking off, investors will be closely watching banking giants such as JPMorgan Chase (JPM - Free Report) ) and Citigroup (C - Free Report) ) this week for insights into lending activity, interest margins, and the broader economy.

However, smaller regional banking players Equity Bancshares (EQBK - Free Report) ) and Home BancShares (HOMB - Free Report) ) shouldn't be overlooked, as both are expected to deliver notable year-over-year earnings and revenue growth when they report Q3 results on Wednesday, October 14.

Equity Bancshares – EQBKHeadquartered in Wichita, Kansas, Equity Bancshares operates Equity Bank, providing commercial lending, consumer banking, agricultural financing, and wealth-related services across several Midwestern and Southern states.

For Q3, the Zacks Consensus Estimate calls for EPS of $1.31, an 8% YoY increase, with revenue projected to rise nearly 19% to $84.83 million.

Equity Bancshares has demonstrated impressive operating momentum, with Q2 EPS of $1.41 most recently jumping 42% from a year ago and beating expectations of $1.24 by nearly 14%. Its growth strategy, supported by acquisitions, expanding lending operations, and a broader deposit franchise, provides additional opportunities to increase profitability.

Notably, EQBK sports a Zacks Rank #1 (Strong Buy) and further stands out with a 1.88% annual dividend yield and a reasonable 9X forward earnings multiple.

Home BancShares – HOMBBased in Conway, Arkansas, Home BancShares operates Centennial Bank, offering commercial and consumer banking services, residential mortgages, and real estate financing, with a particularly strong presence in Arkansas and Florida.

Home BancShares is also positioned for another solid quarter, with the Zacks Consensus Estimate calling for Q3 EPS of $0.64, up nearly 5% YoY, and revenue expected to increase over 5% to $293 million.

The company's outlook is supported by healthy net interest income (NII), disciplined expense management, and contributions from its recently completed Mountain Commerce Bancorp acquisition. Encouragingly, Q3 NII is projected to increase more than 7% to $243 million.

HOMB currently sports a Zacks Rank #2 (Buy), reflecting a favorable near-term outlook as it looks to build on its Q2 earnings beat, where quarterly EPS of $0.64 rose 10% YoY and topped expectations of $0.62.

Plus, HOMB trades at a reasonable 11X forward earnings multiple and currently offers a dividend yield over 3%.

Bottom LineWhile the big banks will dominate headlines this week, Equity Bancshares and Home BancShares offer compelling exposure to regional banking growth.

With encouraging Q3 expectations, reasonable valuations, and solid dividend yields, EQBK's Zacks Rank #1 (Strong Buy) and HOMB's Zacks Rank #2 (Buy) make both stocks worth watching as their quarterly results approach.

In its upcoming report, Home BancShares (HOMB - Free Report) is predicted by Wall Street analysts to post quarterly earnings of $0.64 per share, reflecting an increase of 4.9% compared to the same period last year. Revenues are forecasted to be $293 million, representing a year-over-year increase of 5.5%.

The consensus EPS estimate for the quarter has been revised 0.1% higher over the last 30 days to the current level. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates during this timeframe.

Prior to a company's earnings release, it is of utmost importance to factor in any revisions made to the earnings projections. These revisions serve as a critical gauge for predicting potential investor behaviors with respect to the stock. Empirical studies consistently reveal a strong link between trends in earnings estimate revisions and the short-term price performance of a stock.

While investors typically rely on consensus earnings and revenue estimates to gauge how the business may have fared during the quarter, examining analysts' projections for some of the company's key metrics often helps gain a deeper insight.

That said, let's delve into the average estimates of some Home BancShares metrics that Wall Street analysts commonly model and monitor.

According to the collective judgment of analysts, 'Net Interest Margin (FTE)' should come in at 4.5%. The estimate compares to the year-ago value of 4.6%.

The collective assessment of analysts points to an estimated 'Efficiency Ratio' of 41.7%. The estimate compares to the year-ago value of 40.2%.

Based on the collective assessment of analysts, 'Average Balance - Total interest-earning assets' should arrive at $21.78 billion. The estimate compares to the year-ago value of $19.94 billion.

The consensus estimate for 'Total non-performing loans' stands at $90.55 million. Compared to the current estimate, the company reported $85.21 million in the same quarter of the previous year.

Analysts predict that the 'Total non-performing assets' will reach $134.79 million. Compared to the present estimate, the company reported $126.48 million in the same quarter last year.

The consensus among analysts is that 'Total Non-Interest Income' will reach $49.48 million. The estimate compares to the year-ago value of $51.51 million.

Analysts forecast 'Net Interest Income' to reach $242.80 million. The estimate compares to the year-ago value of $226.17 million.

The average prediction of analysts places 'Net Interest Income (FTE)' at $245.38 million. Compared to the current estimate, the company reported $229.08 million in the same quarter of the previous year.

It is projected by analysts that the 'Mortgage lending income' will reach $5.41 million. Compared to the present estimate, the company reported $4.69 million in the same quarter last year.

View all Key Company Metrics for Home BancShares here>>>

Home BancShares shares have witnessed a change of -4.3% in the past month, in contrast to the Zacks S&P 500 composite's +1.3% move. With a Zacks Rank #2 (Buy), HOMB is expected outperform the overall market performance in the near term. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> .

Colony Bankcorp (NYSE:CBAN – Get Free Report) and Home BancShares (NYSE:HOMB – Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, analyst recommendations, profitability, institutional ownership, valuation and earnings.

Analyst Ratings This is a breakdown of current ratings and target prices for Colony Bankcorp and Home BancShares, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Colony Bankcorp 0 1 3 0 2.75 Home BancShares 0 4 5 0 2.56 Colony Bankcorp presently has a consensus target price of $23.00, indicating a potential upside of 12.56%. Home BancShares has a consensus target price of $33.00, indicating a potential upside of 15.12%. Given Home BancShares’ higher possible upside, analysts clearly believe Home BancShares is more favorable than Colony Bankcorp.

Earnings & Valuation This table compares Colony Bankcorp and Home BancShares”s gross revenue, earnings per share (EPS) and valuation. Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Colony Bankcorp $190.23 million 2.28 $28.25 million $1.65 12.38 Home BancShares $1.48 billion 3.88 $475.44 million $2.42 11.85 Home BancShares has higher revenue and earnings than Colony Bankcorp. Home BancShares is trading at a lower price-to-earnings ratio than Colony Bankcorp, indicating that it is currently the more affordable of the two stocks.

Profitability This table compares Colony Bankcorp and Home BancShares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets Colony Bankcorp 15.42% 10.40% 1.06% Home BancShares 32.10% 11.12% 2.07% Institutional & Insider Ownership 50.4% of Colony Bankcorp shares are owned by institutional investors. Comparatively, 67.3% of Home BancShares shares are owned by institutional investors. 3.9% of Colony Bankcorp shares are owned by insiders. Comparatively, 6.4% of Home BancShares shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Dividends Colony Bankcorp pays an annual dividend of $0.48 per share and has a dividend yield of 2.3%. Home BancShares pays an annual dividend of $0.92 per share and has a dividend yield of 3.2%. Colony Bankcorp pays out 29.1% of its earnings in the form of a dividend. Home BancShares pays out 38.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Colony Bankcorp has raised its dividend for 7 consecutive years and Home BancShares has raised its dividend for 15 consecutive years. Home BancShares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Risk & Volatility Colony Bankcorp has a beta of 0.56, meaning that its share price is 44% less volatile than the S&P 500. Comparatively, Home BancShares has a beta of 0.72, meaning that its share price is 28% less volatile than the S&P 500.

Summary Home BancShares beats Colony Bankcorp on 14 of the 17 factors compared between the two stocks.

(Get Free Report)

Colony Bankcorp, Inc. operates as the bank holding company for Colony Bank that provides various banking products and services to commercial and consumer customers. The company offers various deposit products, including demand, savings, and time deposits. It also provides loans to small and medium-sized businesses; residential and commercial construction, and land development loans; commercial real estate loans; commercial loans; agri-business and production loans; residential mortgage loans; home equity loans; and consumer loans. In addition, the company offers internet banking services, electronic bill payment services, safe deposit box rentals, telephone banking, credit and debit card services, and remote depository products, as well as access to a network of ATMs. As of January 20, 2022, it operated 39 locations throughout Georgia. The company was founded in 1975 and is headquartered in Fitzgerald, Georgia.

About Home BancShares (Get Free Report)

Home Bancshares, Inc. (Conway, AR) operates as the bank holding company for Centennial Bank that provides commercial and retail banking, and related financial services to businesses, real estate developers and investors, individuals, and municipalities. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company's loan portfolio comprises non-farm/non-residential real estate, construction/land development, residential mortgage, consumer, agricultural, and commercial and industrial loans. It provides internet banking, mobile banking and voice response information, cash management, overdraft protection, direct deposit, and automatic account transfer services, as well as safe deposit boxes and the United States savings bonds. In addition, the company writes policies for commercial and personal lines of business, including insurance for property, casualty, life, health, and employee benefits. It operates through branches in Arkansas, Florida, Alabama, Texas, and New York City. Home Bancshares, Inc. (Conway, AR) was founded in 1998 and is headquartered in Conway, Arkansas.

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Metropolitan Bank (NYSE:MCB – Get Free Report) and Home BancShares (NYSE:HOMB – Get Free Report) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, profitability, valuation, institutional ownership, analyst recommendations, risk and dividends.

Dividends Metropolitan Bank pays an annual dividend of $1.40 per share and has a dividend yield of 1.6%. Home BancShares pays an annual dividend of $0.92 per share and has a dividend yield of 3.3%. Metropolitan Bank pays out 17.7% of its earnings in the form of a dividend. Home BancShares pays out 38.0% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Home BancShares has raised its dividend for 15 consecutive years. Home BancShares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.

Valuation and Earnings This table compares Metropolitan Bank and Home BancShares”s gross revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio Metropolitan Bank $527.15 million 2.05 $71.10 million $7.90 11.01 Home BancShares $1.48 billion 3.82 $475.44 million $2.42 11.66 Home BancShares has higher revenue and earnings than Metropolitan Bank. Metropolitan Bank is trading at a lower price-to-earnings ratio than Home BancShares, indicating that it is currently the more affordable of the two stocks.

Insider and Institutional Ownership 79.8% of Metropolitan Bank shares are held by institutional investors. Comparatively, 67.3% of Home BancShares shares are held by institutional investors. 5.5% of Metropolitan Bank shares are held by company insiders. Comparatively, 6.4% of Home BancShares shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Risk and Volatility Metropolitan Bank has a beta of 0.97, indicating that its share price is 3% less volatile than the S&P 500. Comparatively, Home BancShares has a beta of 0.67, indicating that its share price is 33% less volatile than the S&P 500.

Profitability This table compares Metropolitan Bank and Home BancShares’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets Metropolitan Bank 14.31% 10.22% 1.01% Home BancShares 32.10% 11.12% 2.07% Analyst Recommendations This is a summary of current recommendations and price targets for Metropolitan Bank and Home BancShares, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score Metropolitan Bank 0 1 2 1 3.00 Home BancShares 0 4 5 0 2.56 Metropolitan Bank currently has a consensus price target of $105.00, indicating a potential upside of 20.72%. Home BancShares has a consensus price target of $33.00, indicating a potential upside of 17.00%. Given Metropolitan Bank’s stronger consensus rating and higher probable upside, equities analysts clearly believe Metropolitan Bank is more favorable than Home BancShares.

Summary Home BancShares beats Metropolitan Bank on 11 of the 18 factors compared between the two stocks.

(Get Free Report)

Metropolitan Bank Holding Corp. operates as the bank holding company for Metropolitan Commercial Bank that provides a range of business, commercial, and retail banking products and services to small businesses, middle-market enterprises, public entities, and individuals in the New York metropolitan area. The company offers checking, savings, term deposit, money market, demand deposit, and other interest-bearing transaction accounts. It also provides lending products, including commercial real estate, multi-family, construction, and one-to four-family real estate loans; commercial and industrial loans; consumer loans; acquisition and renovation loans; loans to refinance or return borrower equity; loans on owner-occupied properties; working capital lines of credit; trade finance and letters of credit; and term loans. In addition, the company offers cash management services, as well as online and mobile banking, ACH, remote deposit capture, and debit cards. The company was formerly known as Metbank Holding Corp. and changed its name to Metropolitan Bank Holding Corp. in January 2007. Metropolitan Bank Holding Corp. was incorporated in 1997 and is headquartered in New York, New York.

About Home BancShares (Get Free Report)

Home Bancshares, Inc. (Conway, AR) operates as the bank holding company for Centennial Bank that provides commercial and retail banking, and related financial services to businesses, real estate developers and investors, individuals, and municipalities. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company's loan portfolio comprises non-farm/non-residential real estate, construction/land development, residential mortgage, consumer, agricultural, and commercial and industrial loans. It provides internet banking, mobile banking and voice response information, cash management, overdraft protection, direct deposit, and automatic account transfer services, as well as safe deposit boxes and the United States savings bonds. In addition, the company writes policies for commercial and personal lines of business, including insurance for property, casualty, life, health, and employee benefits. It operates through branches in Arkansas, Florida, Alabama, Texas, and New York City. Home Bancshares, Inc. (Conway, AR) was founded in 1998 and is headquartered in Conway, Arkansas.

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Home BancShares (HOMB - Free Report) could be a solid addition to your portfolio given its recent upgrade to a Zacks Rank #2 (Buy). This rating change essentially reflects an upward trend in earnings estimates -- one of the most powerful forces impacting stock prices.

The sole determinant of the Zacks rating is a company's changing earnings picture. The Zacks Consensus Estimate -- the consensus of EPS estimates from the sell-side analysts covering the stock -- for the current and following years is tracked by the system.

Since a changing earnings picture is a powerful factor influencing near-term stock price movements, the Zacks rating system is very useful for individual investors. They may find it difficult to make decisions based on rating upgrades by Wall Street analysts, as these are mostly driven by subjective factors that are hard to see and measure in real time.

Therefore, the Zacks rating upgrade for Home BancShares basically reflects positivity about its earnings outlook that could translate into buying pressure and an increase in its stock price.

Most Powerful Force Impacting Stock PricesThe change in a company's future earnings potential, as reflected in earnings estimate revisions, and the near-term price movement of its stock are proven to be strongly correlated. The influence of institutional investors has a partial contribution to this relationship, as these big professionals use earnings and earnings estimates to calculate the fair value of a company's shares. An increase or decrease in earnings estimates in their valuation models simply results in higher or lower fair value for a stock, and institutional investors typically buy or sell it. Their transaction of large amounts of shares then leads to price movement for the stock.

Fundamentally speaking, rising earnings estimates and the consequent rating upgrade for Home BancShares imply an improvement in the company's underlying business. Investors should show their appreciation for this improving business trend by pushing the stock higher.

Harnessing the Power of Earnings Estimate RevisionsEmpirical research shows a strong correlation between trends in earnings estimate revisions and near-term stock movements, so it could be truly rewarding if such revisions are tracked for making an investment decision. Here is where the tried-and-tested Zacks Rank stock-rating system plays an important role, as it effectively harnesses the power of earnings estimate revisions.

The Zacks Rank stock-rating system, which uses four factors related to earnings estimates to classify stocks into five groups, ranging from Zacks Rank #1 (Strong Buy) to Zacks Rank #5 (Strong Sell), has an impressive externally-audited track record, with Zacks Rank #1 stocks generating an average annual return of +25% since 1988. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here >>>> .

Earnings Estimate Revisions for Home BancSharesThis bank holding company is expected to earn $2.51 per share for the fiscal year ending December 2026, which represents no year-over-year change.

Analysts have been steadily raising their estimates for Home BancShares. Over the past three months, the Zacks Consensus Estimate for the company has increased 1.3%.

Bottom LineUnlike the overly optimistic Wall Street analysts whose rating systems tend to be weighted toward favorable recommendations, the Zacks rating system maintains an equal proportion of "buy" and "sell" ratings for its entire universe of more than 4,000 stocks at any point in time. Irrespective of market conditions, only the top 5% of the Zacks-covered stocks get a "Strong Buy" rating and the next 15% get a "Buy" rating. So, the placement of a stock in the top 20% of the Zacks-covered stocks indicates its superior earnings estimate revision feature, making it a solid candidate for producing market-beating returns in the near term.

You can learn more about the Zacks Rank here >>>

The upgrade of Home BancShares to a Zacks Rank #2 positions it in the top 20% of the Zacks-covered stocks in terms of estimate revisions, implying that the stock might move higher in the near term.

 | Source: Home BancShares, Inc.

CONWAY, Ark., Sept. 14, 2026 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB), parent company of Centennial Bank, today announced it expects to release Third Quarter 2026 earnings after the market closes on October 14, 2026. Following this release, management will conduct a conference call to review these earnings at 1:00 p.m. CT (2:00 p.m. ET) on Thursday, October 15, 2026.

We strongly encourage all participants to pre-register for the conference call webcast or the live call using one of the following links. First, participants can pre-register for the conference call webcast using the following link:  https://events.q4inc.com/attendee/887189816. Participants who pre-register will be given a unique webcast link to gain immediate access to the conference call webcast. Second, participants can pre-register for the live call using the following link: https://events.q4inc.com/analyst/887189816?pwd=Khijd6H0. Participants who pre-register will be given the phone number and unique access codes to gain immediate access to the live call. Participants may pre-register now, or at any time prior to the call, and will immediately receive simple instructions via email. The Home BancShares conference call will also be scheduled as an event in your Outlook calendar.

Those without internet access or unable to pre-register may dial in and listen to the live call by calling 1-833-461-5787, Passcode: 887189816. A replay of the call will be available using the following link: https://events.q4inc.com/attendee/887189816. Internet access to the call will be available live or in recorded version on the Company's website at www.homebancshares.com.

Home BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Its wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has branch locations in Arkansas, Florida, Texas, Tennessee, South Alabama and New York City. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.”

FOR MORE INFORMATION CONTACT:

Home BancShares, Inc.
Donna Townsell
Senior Executive Vice President &
Director of Investor Relations
(501) 328-4625
Ticker symbol: HOMB

August 03, 2026 17:15 ET  | Source: Home BancShares, Inc.

CONWAY, Ark., Aug. 03, 2026 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB) (“Home” or “the Company”), parent company of Centennial Bank (“Centennial”), mourns the loss of Tracy French, who passed away on August 2, 2026. Mr. French was a longtime director of both Home and Centennial, former Chairman of Centennial Bank, and a highly respected banking leader whose service to the organization spanned more than two decades.

Mr. French served as Chief Executive Officer and President of Centennial Bank from 2015 through 2024 and was named Chairman of Centennial Bank in 2019. He also served as a director of Home and Centennial for more than a decade and as a member of Home's Asset/Liability Committee. Prior to becoming CEO, he served as Regional President of Centennial Bank from 2009 to 2015. Mr. French joined the Home BancShares organization through the acquisition of Community Bank in 2003, where he served as President, Chief Executive Officer, and a director from 2002 to 2009.

In February 2025, Mr. French began a planned transition toward retirement, concluding his board service in April 2025 and continuing as an advisor to senior management of Home and Centennial. In that role, he remained actively engaged with the organization, providing leadership, guidance, and mentorship until the time of his passing.

“Tracy was much more than a colleague and director; he was a trusted friend, an exceptional banker, and a leader whose impact on this Company will be felt for generations,” said John Allison, Chairman. “From Community Bank to Centennial Bank, Tracy devoted his career to serving our customers, communities, employees, and shareholders. His leadership and commitment to excellence helped shape the organization we are today. We extend our heartfelt condolences to Tracy's family and loved ones and will greatly miss his friendship and counsel.”

Home BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Its wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has branch locations in Arkansas, Florida, Texas, Tennessee, South Alabama and New York City. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.”

FOR MORE INFORMATION CONTACT:
Donna Townsell
Senior Executive Vice President &
Director of Investor Relations
(501) 328-4625

July 22, 2026 17:15 ET  | Source: Home BancShares, Inc.

CONWAY, Ark., July 22, 2026 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB), parent company of Centennial Bank, today announced that its Board of Directors has declared a regular $0.23 per share quarterly cash dividend payable September 2, 2026, to shareholders of record August 12, 2026. This cash dividend represents a $0.02, or 9.5%, increase over the $0.21 cash dividend paid during the second quarter of 2026 and a $0.03, or 15.0%, increase over the $0.20 cash dividend paid during the third quarter of 2025.

"A strong capital foundation is one of the key advantages of our franchise and provides us with the flexibility to invest in the future of the Company while rewarding our shareholders. Our consistent peer-leading profitability and performance metrics have enabled us to build capital, support growth, and return value to shareholders. This dividend increase reflects our confidence in the long-term earnings power of Home BancShares and our continued commitment to delivering value to those who have invested in our success," said John Allison, Chairman.

Home BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Its wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has branch locations in Arkansas, Florida, Texas, Tennessee, South Alabama and New York City. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.”

FOR MORE INFORMATION CONTACT:
Donna Townsell
Senior Executive Vice President &
   Director of Investor Relations
(501) 328-4625

Home BancShares, Inc. (HOMB) Q2 2026 Earnings Call July 16, 2026 2:00 PM EDT

Company Participants

Donna Townsell - Senior EVP, Director of Investor Relations, Corporate Secretary & Director
John Allison - Co-Founder, Chairman & CEO
John Tipton - Chief Executive Officer
Kevin Hester - President & Chief Lending Officer
Christopher Poulton - President of Centennial Commercial Finance Group
Brian Davis - CFO, Treasurer & Director

Conference Call Participants

Jon Arfstrom - RBC Capital Markets, Research Division
Brett Rabatin
Michael Rose - Raymond James & Associates, Inc., Research Division
Stephen Scouten - Piper Sandler & Co., Research Division
Matt Olney - Stephens Inc., Research Division
Brian Martin - Brean Capital, LLC, Research Division
Catherine Mealor - Keefe, Bruyette, & Woods, Inc., Research Division

Presentation

Operator

Greetings, ladies and gentlemen. Welcome to the Home BancShares, Inc. Second Quarter 2026 Earnings Call. The purpose of this call is to discuss the information and data provided in the quarterly earnings release issued after the market closed yesterday. The company presenters will begin with prepared remarks, then entertain questions. [Operator Instructions]

The company has asked me to remind everyone to refer to their cautionary note regarding forward-looking statements. You will find this note on Page 3 of their Form 10-K filed with the SEC in February 2026. [Operator Instructions] And this conference is being recorded. [Operator Instructions]

It is now my pleasure to turn the call over to Donna Townsell, Director of Investor Relations.

Donna Townsell
Senior EVP, Director of Investor Relations, Corporate Secretary & Director

Thank you. Good afternoon, and welcome to our second quarter conference call. With me for today's discussion is our Chairman, John Allison; Stephen Tipton, Chief Executive Officer of Centennial Bank; Kevin Hester, President and Chief Lending Officer; Brian Davis, our Chief Financial Officer; Chris Poulton, President of CCFG; and Scott Walter of Shore Premier Finance.

Home BancShares

Home BancShares (HOMB - Free Report) came out with quarterly earnings of $0.64 per share, beating the Zacks Consensus Estimate of $0.62 per share. This compares to earnings of $0.58 per share a year ago. These figures are adjusted for non-recurring items.

This quarterly report represents an earnings surprise of +3.23%. A quarter ago, it was expected that this bank holding company would post earnings of $0.6 per share when it actually produced earnings of $0.6, delivering no surprise.

Over the last four quarters, the company has surpassed consensus EPS estimates two times.

Home BancShares, which belongs to the Zacks Banks - Southeast industry, posted revenues of $295.1 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 2.60%. This compares to year-ago revenues of $271.03 million. The company has topped consensus revenue estimates three times over the last four quarters.

The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.

Home BancShares shares have added about 4.4% since the beginning of the year versus the S&P 500's gain of 10.2%.

What's Next for Home BancShares?While Home BancShares has underperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?

There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.

Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.

Ahead of this earnings release, the estimate revisions trend for Home BancShares was mixed. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #3 (Hold) for the stock. So, the shares are expected to perform in line with the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.

It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $0.63 on $292.17 million in revenues for the coming quarter and $2.48 on $1.14 billion in revenues for the current fiscal year.

Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - Southeast is currently in the top 33% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.

Another stock from the same industry, Simmons First National (SFNC - Free Report) , has yet to report results for the quarter ended June 2026. The results are expected to be released on July 16.

This bank holding company is expected to post quarterly earnings of $0.53 per share in its upcoming report, which represents a year-over-year change of +20.5%. The consensus EPS estimate for the quarter has been revised 0.6% higher over the last 30 days to the current level.

Simmons First National's revenues are expected to be $252.05 million, up 17.7% from the year-ago quarter.

CONWAY, Ark., July 15, 2026 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB) (“Home” or the “Company”), parent company of Centennial Bank, released quarterly earnings today.

Quarterly Highlights

MetricQ2 2026Q1 2026Q4 2025Q3 2025Q2 2025Net income$119.3 million$118.2 million$118.2 million$123.6 million$118.4 millionNet income, as adjusted (non-GAAP)(1)$128.1 million$118.2 million$117.9 million$119.7 million$114.6 millionTotal revenue (net)$295.1 million$266.7 million$282.1 million$277.7 million$271.0 millionIncome before income taxes$154.4 million$152.2 million$153.3 million$159.3 million$152.0 millionPre-tax, pre-provision, net income (PPNR) (non-GAAP)(1)$159.6 million$152.7 million$167.7 million$162.8 million$155.0 millionPPNR, as adjusted (non-GAAP)(1)$171.2 million$152.7 million$167.1 million$157.7 million$150.4 millionPre-tax net income to total revenue (net)52.32%57.08%54.35%57.38%56.08%Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)56.27%57.06%54.14%55.53%54.39%P5NR(Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)54.08%57.27%59.46%58.64%57.19%P5NR, as adjusted (non-GAAP)(1)58.03%57.25%59.25%56.80%55.49%ROA1.95%2.09%2.06%2.17%2.08%ROA, as adjusted (non-GAAP)(1)2.09%2.09%2.05%2.10%2.02%NIM4.51%4.51%4.61%4.56%4.44%Purchase accounting accretion$3.6 million$1.1 million$1.3 million$1.3 million$1.2 millionROE10.55%11.09%11.04%11.91%11.77%ROE, as adjusted (non-GAAP)(1)11.32%11.08%11.01%11.54%11.39%ROTCE (non-GAAP)(1)15.67%16.56%16.65%18.28%18.26%ROTCE, as adjusted (non-GAAP)(1)16.82%16.55%16.60%17.70%17.68%Diluted earnings per share$0.59$0.60$0.60$0.63$0.60Diluted earnings per share, as adjusted (non-GAAP)(1)$0.64$0.60$0.60$0.61$0.58Non-performing assets to total assets0.93%0.97%0.55%0.56%0.60%Common equity tier 1 capital16.4%16.7%16.3%16.1%15.6%Leverage14.0%14.3%14.1%13.8%13.4%Tier 1 capital16.4%16.7%16.3%16.1%15.6%Total risk-based capital19.0%19.5%19.1%18.9%19.3%Allowance for credit losses to total loans1.92%1.90%1.90%1.87%1.86%Book value per share$22.68$22.15$21.88$21.41$20.71Tangible book value per share (non-GAAP)(1)$15.32$14.87$14.60$14.13$13.44Dividends per share$0.21$0.21$0.21$0.20$0.20Shareholder buyback yield(2)0.77%0.25%0.27%0.18%0.49% (1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.
(2) Calculation of this metric is included in the schedules accompanying this release.

“Home BancShares delivered another quarter of strong profitability and balance sheet expansion in the second quarter. Highlights include a record PPNR, as adjusted, of $171.2 million, a record total net revenue of $295.1 million, smart loan growth, increase to book value and maintaining a stable margin, while returning capital through meaningful share repurchases and adjusted EPS of $0.64,” said John Allison, Chairman.

“Our legacy franchise produced loan growth during the quarter, while Mountain Commerce contributed meaningful deposit growth almost immediately following the acquisition—demonstrating exactly why we pursued the transaction. Even after absorbing approximately $12.7 million of merger-related expenses, we generated record adjusted earnings of $128.1 million, maintained a strong net interest margin of 4.51%, and continued to grow tangible book value per share. We believe these results underscore both the strength of our existing markets and the value of disciplined acquisitions that enhance our franchise,” continued Allison.

Quarterly Financial Performance TrendsNet income totaled $119.3 million for the second quarter of 2026, compared to $118.4 million for the second quarter of 2025. The Company completed its acquisition of Mountain Commerce Bancorp, Inc. (“Mountain Commerce”) during the quarter and recognized $12.7 million in merger-related expenses. Net income, as adjusted (non-GAAP)(1), which excludes merger expenses and certain other items, reached a Company-record $128.1 million, an increase of 8.4% from $118.2 million in the prior quarter.
 Pre-tax, pre-provision net revenue (PPNR) (non-GAAP)(1) totaled $159.6 million for the second quarter of 2026, compared to $152.7 million in the first quarter of 2026. The Company completed its acquisition of Mountain Commerce during the quarter and incurred $12.7 million in merger-related expenses. Excluding merger expenses and certain other non-fundamental adjustments, PPNR, as adjusted (Non-GAAP)(1) increased to a Company-record $171.2 million, compared to $152.7 million in the prior quarter, reflecting revenue growth, including the impact of the Mountain Commerce acquisition, and continued operating performance.Dollar amounts presented below in thousands.
 
   Net interest income after credit loss expense totaled $236.4 million for the second quarter of 2026, compared to $223.4 million in the first quarter of 2026, an increase of 5.8%. The increase was driven by continued growth in earning assets, including the impact of the Mountain Commerce acquisition completed during the quarter, as well as favorable net interest margin performance. Non-interest income totaled $53.5 million for the second quarter of 2026, compared to $42.8 million in the first quarter of 2026, an increase of 24.9%. The increase was primarily driven by higher other service charges and fees, a favorable fair value adjustment on marketable securities, and growth in other income, with additional contributions from the completed acquisition of Mountain Commerce.
 
Total revenue (net) reached a Company-record $295.1 million for the second quarter of 2026, increasing 10.6% from $266.7 million in the prior quarter. The increase was driven by strong growth in net interest income, including the contribution from the Mountain Commerce acquisition completed during the quarter. The acquisition further enhances the Company's earnings capacity and positions it well for continued revenue growth and earnings accretion in future periods.
 Total expenses increased during the second quarter of 2026, reflecting the completed acquisition of Mountain Commerce. Interest expense increased to $95.2 million from $87.1 million in the prior quarter, primarily due to higher interest on deposits resulting from a $921.3 million increase in interest-bearing deposits. Non-interest expense increased to $135.5 million from $114.0 million in the first quarter of 2026, driven primarily by $12.7 million of merger-related expenses incurred during the quarter.
 
   The efficiency ratio was 44.54% for the second quarter of 2026, compared to 41.59% in the prior quarter, primarily reflecting $12.7 million of merger-related expenses associated with the completed acquisition of Mountain Commerce. Excluding merger-related expenses and certain other non-GAAP adjustments, the efficiency ratio, as adjusted, (non-GAAP)(1) improved to 40.46%, highlighting continued operating discipline while integrating the acquisition. Return on average assets (ROA) was 1.95% for the second quarter of 2026, compared to 2.09% in the prior quarter. The decline was primarily attributable to $12.7 million of merger-related expenses associated with the completed acquisition of Mountain Commerce. Excluding merger-related expenses and certain other non-GAAP adjustments, ROA, as adjusted, (non-GAAP)(1) remained strong at 2.09%, reflecting the Company's continued earnings strength and operating performance.
 
The tables below present additional key financial metrics over the past five quarters, including net interest margin (NIM), yield on interest-earning assets, rate on interest-bearing liabilities, and net interest spread. These metrics are fundamental indicators of the Company’s profitability and operational efficiency.
 
   Book value per share increased to $22.68 at June 30, 2026, from $22.15 at March 31, 2026, while tangible book value per share (non-GAAP)(1) increased to $15.32 from $14.87. The linked-quarter growth reflects strong earnings generation and the successful completion of the Mountain Commerce acquisition, which contributed to continued growth in shareholder value despite the impact of merger-related expenses incurred during the quarter.         Operating Highlights

Net income for the three-month period ended June 30, 2026 was $119.3 million, or $0.59 diluted earnings per share. When adjusting for non-fundamental items, net income and diluted earnings per share on an as-adjusted basis (non-GAAP), were $128.1 million(1) and $0.64 per share(1), respectively, for the three months ended June 30, 2026.

Our net interest margin was 4.51% for both of the three-month periods ended June 30, 2026 and March 31, 2026. The yield on loans was 7.00% and 7.08% for the three months ended June 30, 2026 and March 31, 2026, respectively, as average loans increased from $15.68 billion to $17.08 billion. The rate on interest bearing deposits increased to 2.39% as of June 30, 2026, from 2.35% as of March 31, 2026, while average interest-bearing deposits increased from $13.66 billion to $14.69 billion. The increase in average loans and deposits was primarily due to the acquisition of Mountain Commerce Bancorp, Inc. (“MCBI” or“Mountain Commerce”) which was completed during the second quarter of 2026.

During the second quarter of 2026, there was $1.7 million of event interest income compared to no event interest income for the first quarter of 2026. The increase in event income was accretive to the net interest margin by four basis points. Purchase accounting accretion on acquired loans was $3.6 million and $1.1 million for the three-month periods ended June 30, 2026 and March 31, 2026, respectively, and average purchase accounting loan discounts were $42.0 million and $12.5 million for the three-month periods ended June 30, 2026 and March 31, 2026, respectively. The increase in accretion income along with the increase in the purchase accounting loan discounts, both of which resulted from the acquisition of Mountain Commerce, increased the net interest margin by six basis points for the three-month period ended June 30, 2026.

Net interest income on a fully taxable equivalent basis was $244.3 million for the three-month period ended June 30, 2026, compared to $226.6 million for the three-month period ended March 31, 2026. This increase in net interest income for the three-month period ended June 30, 2026, was the result of a $25.8 million increase in interest income, which was partially offset by an $8.1 million increase in interest expense. The $25.8 million increase in interest income was primarily the result of a $24.6 million increase in loan income and a $1.0 million increase in income from investments. The $8.1 million increase in interest expense was due to an $8.3 million increase in interest expense on deposits, which was partially offset by a $346,000 decrease in interest expense on FHLB and other borrowed funds.

The Company reported $53.5 million of non-interest income for the second quarter of 2026. The most important components of non-interest income were $13.1 million from other income, $13.0 million from other service charges and fees, $10.0 million from service charges on deposit accounts, $6.1 million from trust fees, $5.1 million in mortgage lending income, $2.8 million from dividends from FHLB, FRB, FNBB and other, $1.6 million from the increase in cash value of life insurance, $817,000 in income from the fair value adjustment for marketable securities and $578,000 in insurance commissions. Included within other income was $274,000 in bank-owned life insurance death benefit income.

Non-interest expense for the second quarter of 2026 was $135.5 million. The most important components of non-interest expense were $68.7 million of salaries and employee benefits expense, $28.9 million in other operating expense, $15.8 million in occupancy and equipment expenses, $12.7 million in merger and acquisition expenses and $9.3 million in data processing expenses.   For the second quarter of 2026, our efficiency ratio was 44.54%, and our efficiency ratio, as adjusted (non-GAAP), was 40.46%(1).

Financial Condition

Total loans receivable were $17.13 billion at June 30, 2026, compared to $15.63 billion at March 31, 2026. Total deposits were $19.11 billion at June 30, 2026, compared to $17.74 billion at March 31, 2026. Total assets were $24.71 billion at June 30, 2026, compared to $23.20 billion at March 31, 2026.

During the second quarter of 2026, the Company had a $1.49 billion increase in loans. During the quarter, we acquired $1.47 billion in loans, net of purchase accounting discounts, from MCBI. Our community banking footprint experienced $46.4 million in organic loan growth during the quarter ended June 30, 2026, while Centennial CFG experienced $22.6 million of organic loan decline in the second quarter, with $2.04 billion of loans outstanding at June 30, 2026.

Non-performing loans to total loans were 1.08% and 1.16% at June 30, 2026 and March 31, 2026, respectively. Non-performing assets to total assets were 0.93% and 0.97% at June 30, 2026 and March 31, 2026, respectively. Net loans charged-off were $5.8 million and $1.4 million for the three months ended June 30, 2026 and March 31, 2026, respectively. The charge-off detail by region for the quarters ended June 30, 2026 and March 31, 2026 can be seen below.

 For the Three Months Ended June 30, 2026(in thousands) Texas Arkansas Centennial CFG
 Shore Premier Finance Florida Tennessee
 Alabama TotalCharge-offs $1,708  $2,605  $—  $1,896  $286  $11  $14  $6,520 Recoveries  (249)  (324)  —   (5)  (142)  —   (2)  (722)Net charge-offs (recoveries) $1,459  $2,281  $—  $1,891  $144  $11  $12  $5,798  For the Three Months Ended March 31, 2026(in thousands) Texas Arkansas Centennial CFG
 Shore Premier Finance Florida Alabama TotalCharge-offs $1,720  $982  $—  $—  $137  $10  $2,849 Recoveries  (788)  (278)  —   (277)  (54)  (3)  (1,400)Net charge-offs (recoveries) $932  $704  $—  $(277) $83  $7  $1,449                               At June 30, 2026, non-performing loans were $185.3 million, and non-performing assets were $228.6 million. At March 31, 2026, non-performing loans were $182.1 million, and non-performing assets were $224.1 million.

The table below shows the non-performing loans and non-performing assets by region as of June 30, 2026:

(in thousands) Texas
 Arkansas
 Centennial CFG
 Shore Premier Finance
 Florida
 Tennessee
 Alabama
 Total
Non-accrual loans $123,170  $19,529  $—  $11,886  $24,235  $4,335  $44  $183,199 Loans 90+ days past due  690   238   —   —   282   916   —   2,126 Total non-performing loans  123,860   19,767   —   11,886   24,517   5,251   44   185,325                          Foreclosed assets held for sale  15,647   2,028   22,812   —   260   1,392   —   42,139 Other non-performing assets  —   —   —   1,140   —   —   —   1,140 Total other non-performing assets  15,647   2,028   22,812   1,140   260   1,392   —   43,279 Total non-performing assets $139,507  $21,795  $22,812  $13,026  $24,777  $6,643  $44  $228,604                                   The table below shows the non-performing loans and non-performing assets by region as of March 31, 2026:

(in thousands) Texas
 Arkansas
 Centennial CFG
 Shore Premier Finance
 Florida
 Alabama
 Total
Non-accrual loans $119,333  $21,833  $787  $12,131  $25,532  $23  $179,639 Loans 90+ days past due  1,077   36   —   —   1,368   —   2,481 Total non-performing loans  120,410   21,869   787   12,131   26,900   23   182,120                       Foreclosed assets held for sale  16,164   1,638   22,812   —   260   —   40,874 Other non-performing assets  —   —   —   1,140   —   —   1,140 Total other non-performing assets  16,164   1,638   22,812   1,140   260   —   42,014 Total non-performing assets $136,574  $23,507  $23,599  $13,271  $27,160  $23  $224,134                               The Company’s allowance for credit losses on loans was $328.4 million, or 1.92% of total loans, at June 30, 2026 compared to $297.6 million, or 1.90% of total loans, at March 31, 2026. As of June 30, 2026 and March 31, 2026, the Company’s allowance for credit losses on loans was 177.19% and 163.43% of its total non-performing loans, respectively.

Shareholders’ equity was $4.55 billion at June 30, 2026, which increased approximately $197.9 million from March 31, 2026. The net increase in shareholders’ equity is primarily associated with the $146.0 million of common stock issued to the Mountain Commerce shareholders, the $77.1 million increase in retained earnings and the $10.4 million increase in accumulated other comprehensive income, which was partially offset by the $42.3 million in dividends paid during the quarter and the $40.5 million in stock repurchases for the quarter. Book value per common share was $22.68 at June 30, 2026, compared to $22.15 at March 31, 2026. Tangible book value per common share (non-GAAP) was $15.32(1) at June 30, 2026, compared to $14.87(1) at March 31, 2026. Book value per common share and tangible book value per common share, as of June 30, 2026, were both records for the Company.

Stock Repurchases and Dividends

During the three-month period ended June 30, 2026, the Company repurchased 1.5 million shares of common stock, which equated to a shareholder buyback yield of 0.77%(2). In comparison, during the three-month period ended March 31, 2026, the Company repurchased 507,622 shares of common stock, which equated to a shareholder buyback yield of 0.25%(2). The Company defines shareholder buyback yield as the percentage of the Company’s market capitalization spent on share repurchases. It reflects how much the Company is returning to the shareholders by reducing the number of outstanding shares, and it is calculated by dividing the Company’s total share repurchase cost for the period by the Company’s total market capitalization at the beginning of the period.

In addition, during the quarter ended June 30, 2026, the Company paid a dividend of $0.21 per share. This cash dividend was consistent with the dividend paid during the first quarter of 2026.

Branches

The Company currently has 75 branches in Arkansas, 78 branches in Florida, 60 branches in Texas, 8 branches in Tennessee, 5 branches in Alabama and one branch in New York City.

Conference Call

Management will conduct a conference call to review this information at 1:00 p.m. CT (2:00 p.m. ET) on Thursday, July 16, 2026. We strongly encourage all participants to pre-register for the conference call webcast or the live call using one of the following links. First, participants can pre-register for the conference call webcast using the following link: https://events.q4inc.com/attendee/346859709. Participants who pre-register will be given a unique webcast link to gain immediate access to the conference call webcast. Second, participants can pre-register for the live call using the following link: https://events.q4inc.com/analyst/346859709?pwd=sU182NPD. Participants who pre-register will be given the phone number and unique access codes to gain immediate access to the live call. Participants may pre-register now, or at any time prior to the call, and will immediately receive simple instructions via email. The Home BancShares conference call will also be scheduled as an event in your Outlook calendar.

Those without internet access or unable to pre-register may dial in and listen to the live call by calling 1-833-461-5787, Passcode: 346859709. A replay of the call will be available using the following link: https://events.q4inc.com/attendee/346859709. Internet access to the call will be available live or in recorded version on the Company's website at www.homebancshares.com.

About Home BancShares

Home BancShares, Inc. is a bank holding company headquartered in Conway, Arkansas. Its wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has branch locations in Arkansas, Florida, Texas, Tennessee, South Alabama and New York City. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.” The Company was founded in 1998. Visit www.homebancshares.com or www.my100bank.com for more information.

Non-GAAP Financial Measures

This press release contains financial information determined by methods other than in accordance with generally accepted accounting principles (GAAP). The Company’s management uses these non-GAAP financial measures--including net income (earnings), as adjusted; pre-tax, pre-provision, net income (PPNR); PPNR, as adjusted; pre-tax net income, as adjusted, to total revenue (net); pre-tax, pre-provision, profit percentage; pre-tax, pre-provision, profit percentage, as adjusted; diluted earnings per common share, as adjusted; return on average assets, as adjusted; return on average assets excluding intangible amortization; return on average assets, as adjusted, excluding intangible amortization; return on average common equity, as adjusted; return on average tangible common equity; return on average tangible common equity, as adjusted; return on average tangible common equity excluding intangible amortization; return on average tangible common equity, as adjusted, excluding intangible amortization; efficiency ratio, as adjusted; tangible book value per common share and tangible common equity to tangible assets--to provide meaningful supplemental information regarding our performance. These measures typically adjust GAAP performance measures to include the tax benefit associated with revenue items that are tax-exempt, as well as adjust income and equity available to common shareholders for certain significant items or transactions that management believes are not indicative of the Company’s primary business operating results. Since the presentation of these GAAP performance measures and their impact differ between companies, management believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company’s business. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in the tables of this release.

(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.
(2) Calculation of this metric is included in the schedules accompanying this release.

General

This release contains forward-looking statements regarding the Company’s plans, expectations, goals and outlook for the future, including future financial results. Statements in this press release that are not historical facts should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not guarantees of future events, performance or results. When we use words or phrases like “may,” “will,” “plan,” “propose,” “contemplate,” “anticipate,” “believe,” “intend,” “continue,” “expect,” “project,” “predict,” “estimate,” “could,” “should,” “would” and similar expressions, you should consider them as identifying forward-looking statements, although we may use other phrasing. Forward-looking statements of this type speak only as of the date of this news release. By nature, forward-looking statements involve inherent risks and uncertainties. Various factors could cause actual results to differ materially from those contemplated by the forward-looking statements. These factors include, but are not limited to, the following: economic conditions, credit quality, interest rates, loan demand, real estate values and unemployment, including any future impacts from inflation or changes in tariffs or trade policies; the risk that the anticipated benefits from the completed acquisition of MCBI may not be fully realized or may take longer to realize than expected, including as a result of changes in general economic and market conditions, interest and exchange rates, monetary policy, laws and regulations and their enforcement, and the degree of competition in the geographic and business areas in which Home and MCBI operate; the ability to promptly and effectively integrate the businesses of Home and MCBI; the ability to retain key employees, customers and business relationships following the acquisition; the reaction to the completed acquisition of the companies’ customers, employees and counterparties; diversion of management time on integration-related issues; the possibility that the costs of integration may be greater than anticipated; the effect of any future mergers, acquisitions or other transactions to which we or our bank subsidiary may from time to time be a party, including as a result of one or more of the factors described above as they would relate to such transaction; the ability to identify, complete and successfully integrate additional acquisitions; the availability of and access to capital and liquidity on terms acceptable to us; legislative and regulatory changes and risks and expenses associated with current and future legislation and regulations; technological changes and cybersecurity risks and incidents; the effects of changes in accounting policies and practices; changes in governmental monetary and fiscal policies; the impacts of political instability, ongoing or future military conflicts and other major domestic or international events; the impacts of recent or future adverse weather events, including hurricanes, and other natural disasters; competition from other financial institutions; potential claims, expenses and other adverse effects related to current or future litigation, regulatory examinations or other government actions; potential increases in deposit insurance assessments, increased regulatory scrutiny or market disruptions resulting from financial challenges in the banking industry; disruptions, uncertainties and related effects on credit quality, liquidity and other aspects of our business and operations that may result from any future public health crises; changes in the assumptions used in making the forward-looking statements; and other factors described in reports we file with the Securities and Exchange Commission (the “SEC”), including those factors set forth in our Annual Report on Form 10-K for the year ended December 31, 2025, filed with the SEC on February 27, 2026. Home assumes no obligation to update the information in this press release, except as otherwise required by law.

FOR MORE INFORMATION CONTACT:
Donna Townsell
Director of Investor Relations
Home BancShares, Inc.
(501) 328-4625

 Home BancShares, Inc.Consolidated End of Period Balance Sheets(Unaudited)           (In thousands) Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025ASSETS          Cash and due from banks $279,660  $296,209  $237,224  $284,750  $291,344 Interest-bearing deposits with other banks  772,859   815,714   430,113   516,170   809,729 Cash and cash equivalents  1,052,519   1,111,923   667,337   800,920   1,101,073 Federal funds sold  5,450   6,025   3,000   3,625   2,600 Investment securities - available-for-sale, net of allowance for credit losses  2,776,216   2,803,847   2,871,931   2,924,496   2,899,968 Investment securities - held-to-maturity, net of allowance for credit losses  1,254,802   1,256,635   1,259,262   1,264,200   1,265,292 Total investment securities  4,031,018   4,060,482   4,131,193   4,188,696   4,165,260 Loans receivable  17,127,208   15,633,628   15,686,209   15,285,972   15,180,624 Allowance for credit losses  (328,369)  (297,634)  (297,583)  (285,649)  (281,869)Loans receivable, net  16,798,839   15,335,994   15,388,626   15,000,323   14,898,755 Bank premises and equipment, net  437,552   374,010   369,324   374,515   379,729 Foreclosed assets held for sale  42,139   40,874   39,831   41,263   41,529 Cash value of life insurance  233,515   221,830   220,469   219,075   218,113 Accrued interest receivable  108,384   106,628   108,939   110,702   107,732 Deferred tax asset, net  153,803   143,987   148,022   155,963   174,323 Goodwill  1,410,211   1,398,253   1,398,253   1,398,253   1,398,253 Core deposit intangible  65,541   30,355   32,293   34,231   36,255 Other assets  374,277   371,318   374,592   380,236   383,400 Total assets $24,713,248  $23,201,679  $22,881,879  $22,707,802  $22,907,022            LIABILITIES AND SHAREHOLDERS' EQUITY          Liabilities          Deposits:          Demand and non-interest-bearing $4,447,710  $3,994,217  $3,868,405  $3,880,101  $4,024,574 Savings and interest-bearing transaction accounts  12,423,361   11,971,866   11,792,828   11,500,921   11,571,949 Time deposits  2,242,034   1,772,192   1,818,724   1,946,674   1,891,909 Total deposits  19,113,105   17,738,275   17,479,957   17,327,696   17,488,432 Securities sold under agreements to repurchase  158,744   157,409   155,803   145,998   140,813 FHLB and other borrowed funds  450,250   500,250   500,250   550,500   550,500 Accrued interest payable and other liabilities  164,112   176,727   169,733   189,551   203,004 Subordinated debentures  279,602   279,433   279,265   279,093   438,957 Total liabilities  20,165,813   18,852,094   18,585,008   18,492,838   18,821,706            Shareholders' equity          Common stock  2,005   1,964   1,964   1,969   1,972 Capital surplus  2,301,551   2,191,243   2,201,923   2,214,211   2,221,576 Retained earnings  2,412,859   2,335,787   2,258,871   2,181,911   2,097,712 Accumulated other comprehensive loss  (168,980)  (179,409)  (165,887)  (183,127)  (235,944)Total shareholders' equity  4,547,435   4,349,585   4,296,871   4,214,964   4,085,316 Total liabilities and shareholders' equity $24,713,248  $23,201,679  $22,881,879  $22,707,802  $22,907,022              Home BancShares, Inc.Consolidated Statements of Income(Unaudited)                   Quarter Ended Six Months Ended(In thousands) Jun. 30, 2026
 Mar. 31, 2026 Dec. 31, 2025
 Sep. 30, 2025 Jun. 30, 2025 Jun. 30, 2026 Jun. 30, 2025Interest income:                Loans $298,066  $273,473  $285,491  $283,165  $276,041  $571,539  $546,825 Investment securities                Taxable  25,787   24,728   25,860   26,326   26,444   50,515   53,877 Tax-exempt  7,811   7,829   7,834   7,743   7,626   15,640   15,276 Deposits - other banks  5,135   4,945   4,405   6,242   8,951   10,080   15,571 Federal funds sold  37   48   41   56   53   85   108 Total interest income  336,836   311,023   323,631   323,532   319,115   647,859   631,657 Interest expense:                Interest on deposits  87,432   79,145   83,739   87,962   88,489   166,577   175,275 FHLB and other borrowed funds  4,346   4,692   4,985   5,378   5,539   9,038   11,441 Securities sold under agreements to repurchase  1,057   927   962   1,019   1,012   1,984   2,086 Subordinated debentures  2,358   2,355   2,359   3,007   4,123   4,713   8,247 Total interest expense  95,193   87,119   92,045   97,366   99,163   182,312   197,049 Net interest income  241,643   223,904   231,586   226,166   219,952   465,547   434,608 Provision for credit losses on loans  5,200   1,500   14,400   6,700   3,000   6,700   3,000 Recovery of credit losses on unfunded commitments  —   (1,000)  —   (1,000)  —   (1,000)  — Recovery of credit losses on investment securities  —   —   —   (2,194)  —   —   — Total credit loss expense  5,200   500   14,400   3,506   3,000   5,700   3,000 Net interest income after credit loss expense  236,443   223,404   217,186   222,660   216,952   459,847   431,608 Non-interest income:                Service charges on deposit accounts  10,030   10,007   10,480   10,486   9,552   20,037   19,202 Other service charges and fees  12,973   9,810   11,148   12,130   12,643   22,783   23,332 Trust fees  6,109   5,482   5,121   4,600   5,234   11,591   9,994 Mortgage lending income  5,139   4,430   4,680   4,691   4,780   9,569   8,379 Insurance commissions  578   536   460   574   589   1,114   1,124 Increase in cash value of life insurance  1,553   1,368   1,400   1,404   1,415   2,921   3,257 Dividends from FHLB, FRB, FNBB & other  2,841   2,536   2,678   2,658   2,657   5,377   5,375 Gain on SBA loans  —   80   308   46   —   80   288 Gain (loss) on branches, equipment and other assets, net  3   (7)  11   (66)  972   (4)  809 Gain (loss) on OREO, net  332   707   203   (1)  13   1,039   (363)Fair value adjustment for marketable securities  817   (1,248)  1,173   1,020   (238)  (431)  204 Other income  13,079   9,102   12,838   13,963   13,462   22,181   24,904 Total non-interest income  53,454   42,803   50,500   51,505   51,079   96,257   96,505 Non-interest expense:                Salaries and employee benefits  68,742   63,236   62,891   63,804   64,318   131,978   126,173 Occupancy and equipment  15,787   14,867   14,434   14,828   14,023   30,654   28,448 Data processing expense  9,307   8,884   8,653   8,871   8,364   18,191   16,922 Merger and acquisition expenses  12,726   394   580   —   —   13,120   — Other operating expenses  28,932   26,594   27,805   27,335   29,335   55,526   57,425 Total non-interest expense  135,494   113,975   114,363   114,838   116,040   249,469   228,968 Income before income taxes  154,403   152,232   153,323   159,327   151,991   306,635   299,145 Income tax expense  35,076   34,023   35,098   35,723   33,588   69,099   65,533 Net income $119,327  $118,209  $118,225  $123,604  $118,403  $237,536  $233,612                    Home BancShares, Inc.Selected Financial Information(Unaudited)                 Quarter Ended Six Months Ended(Dollars and shares in thousands, except per share data) Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Jun. 30, 2026 Jun. 30, 2025PER SHARE DATA              Diluted earnings per common share $0.59  $0.60  $0.60  $0.63  $0.60  $1.19  $1.18 Diluted earnings per common share, as adjusted (non-GAAP)(1)  0.64   0.60   0.60   0.61   0.58   1.24   1.14 Basic earnings per common share  0.59   0.60   0.60   0.63   0.60   1.19   1.18 Dividends per share - common  0.21   0.21   0.21   0.20   0.20   0.21   0.395 Shareholder buyback yield(2)  0.77%  0.25%  0.27%  0.18%  0.49%  1.00%  1.02%Book value per common share $22.68  $22.15  $21.88  $21.41  $20.71  $22.68  $20.71 Tangible book value per common share (non-GAAP)(1)  15.32   14.87   14.60   14.13   13.44   15.32   13.44                STOCK INFORMATION              Average common shares outstanding  201,223   196,528   196,553   197,078   197,532   198,889   198,091 Average diluted shares outstanding  201,420   196,733   196,764   197,288   197,765   199,088   198,289 End of period common shares outstanding  200,460   196,394   196,357   196,889   197,239   200,460   197,239                ANNUALIZED PERFORMANCE METRICS              Return on average assets (ROA)  1.95%  2.09%  2.06%  2.17%  2.08%  2.02%  2.08%Return on average assets, as adjusted: (ROA, as adjusted) (non-GAAP)(1)  2.09%  2.09%  2.05%  2.10%  2.02%  2.09%  2.02%Return on average assets excluding intangible amortization (non-GAAP)(1)  2.12%  2.25%  2.22%  2.34%  2.25%  2.18%  2.25%Return on average assets, as adjusted, excluding intangible amortization (non-GAAP)(1)  2.27%  2.25%  2.22%  2.27%  2.18%  2.26%  2.18%Return on average common equity (ROE)  10.55%  11.09%  11.04%  11.91%  11.77%  10.78%  11.76%Return on average common equity, as adjusted: (ROE, as adjusted) (non-GAAP)(1)  11.32%  11.08%  11.01%  11.54%  11.39%  11.18%  11.40%Return on average tangible common equity (ROTCE) (non-GAAP)(1)  15.67%  16.56%  16.65%  18.28%  18.26%  16.03%  18.33%Return on average tangible common equity, as adjusted: (ROTCE, as adjusted) (non-GAAP)(1)  16.82%  16.55%  16.60%  17.70%  17.68%  16.62%  17.77%Return on average tangible common equity excluding intangible amortization (non-GAAP)(1)  15.96%  16.76%  16.85%  18.51%  18.50%  16.28%  18.57%Return on average tangible common equity, as adjusted, excluding intangible amortization (non-GAAP)(1)  17.11%  16.76%  16.80%  17.93%  17.92%  16.87%  18.02%               (1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.(2) Calculation of this metric is included in the schedules accompanying this release.   Home BancShares, Inc.Selected Financial Information(Unaudited)                 Quarter Ended Six Months Ended(Dollars in thousands) Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Jun. 30, 2026 Jun. 30, 2025Efficiency ratio  44.54%  41.59%  39.54%  40.21%  41.68%  43.14%  41.94%Efficiency ratio, as adjusted (non-GAAP)(1)  40.46%  41.99%  39.53%  40.95%  42.01%  41.19%  42.42%Net interest margin - FTE (NIM)  4.51%  4.51%  4.61%  4.56%  4.44%  4.51%  4.44%Fully taxable equivalent adjustment $2,653  $2,661  $2,252  $2,916  $2,526  $5,314  $5,060 Total revenue (net)  295,097   266,707   282,086   277,671   271,031   561,804   531,113 Pre-tax, pre-provision, net income (PPNR) (non-GAAP)(1)  159,603   152,732   167,723   162,833   154,991   312,335   302,145 PPNR, as adjusted (non-GAAP)(1)  171,238   152,677   167,130   157,704   150,404   323,915   293,225 Pre-tax net income to total revenue (net)  52.32%  57.08%  54.35%  57.38%  56.08%  54.58%  56.32%Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)  56.27%  57.06%  54.14%  55.53%  54.39%  56.64%  54.64%P5NR(Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)  54.08%  57.27%  59.46%  58.64%  57.19%  55.60%  56.89%P5NR, as adjusted (non-GAAP)(1)  58.03%  57.25%  59.25%  56.80%  55.49%  57.66%  55.21%Total purchase accounting accretion $3,618  $1,061  $1,265  $1,272  $1,233  $4,679  $2,611 Average purchase accounting loan discounts  41,962   12,507   13,753   15,009   16,219   27,311   16,873                OTHER OPERATING EXPENSES              Advertising $2,214  $2,227  $2,114  $2,149  $2,054  $4,441  $3,982 Amortization of intangibles  2,889   1,938   1,938   2,024   2,025   4,827   4,072 Electronic banking expense  3,223   3,326   3,288   3,357   3,172   6,549   6,227 Directors' fees  416   518   388   405   431   934   883 Due from bank service charges  344   333   324   404   283   677   564 FDIC and state assessment  3,045   1,599   2,970   3,245   1,636   4,644   5,023 Insurance  1,090   1,074   1,044   1,110   1,049   2,164   2,048 Legal and accounting  1,426   914   1,362   1,061   2,360   2,340   6,001 Other professional fees  2,247   1,946   2,168   2,083   2,211   4,193   4,158 Operating supplies  769   748   759   773   711   1,517   1,422 Postage  684   543   564   538   488   1,227   991 Telephone  324   363   382   367   419   687   855 Other expense  10,261   11,065   10,504   9,819   12,496   21,326   21,199 Total other operating expenses $28,932  $26,594  $27,805  $27,335  $29,335  $55,526  $57,425                (1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.   Home BancShares, Inc.Selected Financial Information(Unaudited)           (Dollars in thousands) Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025BALANCE SHEET RATIOS          Total loans to total deposits  89.61%  88.13%  89.74%  88.22%  86.80%Common equity to assets  18.40%  18.75%  18.78%  18.56%  17.83%Tangible common equity to tangible assets (non-GAAP)(1)  13.22%  13.42%  13.36%  13.08%  12.35%        .  LOANS RECEIVABLE          Real estate          Commercial real estate loans          Non-farm/non-residential $5,921,829  $5,395,529  $5,290,112  $5,494,492  $5,553,182 Construction/land development  2,780,116   2,613,604   2,726,993   2,709,197   2,695,561 Agricultural  329,231   321,046   332,412   331,301   315,926 Residential real estate loans          Residential 1-4 family  2,545,462   2,100,374   2,134,334   2,142,375   2,138,990 Multifamily residential  1,269,728   1,232,639   1,140,911   716,595   620,439 Total real estate  12,846,366   11,663,192   11,624,762   11,393,960   11,324,098 Consumer  1,278,008   1,254,936   1,253,746   1,233,523   1,218,834 Commercial and industrial  2,285,054   2,172,267   2,222,401   2,100,268   2,107,326 Agricultural  356,611   329,563   359,879   346,167   323,457 Other  361,169   213,670   225,421   212,054   206,909 Loans receivable $17,127,208  $15,633,628  $15,686,209  $15,285,972  $15,180,624            ALLOWANCE FOR CREDIT LOSSES          Balance, beginning of period $297,634  $297,583  $285,649  $281,869  $279,944 Allowance for credit losses on acquired loans - MCBI  31,333   —   —   —   — Loans charged off  6,520   2,849   3,063   4,651   4,071 Recoveries of loans previously charged off  722   1,400   597   1,731   2,996 Net loans charged off (recovered)  5,798   1,449   2,466   2,920   1,075 Provision for credit losses - loans  5,200   1,500   14,400   6,700   3,000 Balance, end of period $328,369  $297,634  $297,583  $285,649  $281,869            Net charge-offs (recoveries) to average total loans  0.14%  0.04%  0.06%  0.08%  0.03%Allowance for credit losses to total loans  1.92%  1.90%  1.90%  1.87%  1.86%           NON-PERFORMING ASSETS          Non-performing loans          Non-accrual loans $183,199  $179,639  $78,002  $81,087  $89,261 Loans past due 90 days or more  2,126   2,481   6,980   4,125   7,031 Total non-performing loans  185,325   182,120   84,982   85,212   96,292 Other non-performing assets          Foreclosed assets held for sale, net  42,139   40,874   39,831   41,263   41,529 Other non-performing assets  1,140   1,140   —   —   — Total other non-performing assets  43,279   42,014   39,831   41,263   41,529 Total non-performing assets $228,604  $224,134  $124,813  $126,475  $137,821            Allowance for credit losses for loans to non-performing loans  177.19%  163.43%  350.17%  335.22%  292.72%Non-performing loans to total loans  1.08%  1.16%  0.54%  0.56%  0.63%Non-performing assets to total assets  0.93%  0.97%  0.55%  0.56%  0.60%           (1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.             Home BancShares, Inc.Consolidated Net Interest Margin(Unaudited)                   Three Months Ended  June 30, 2026 March 31, 2026(Dollars in thousands) Average Balance
 Income/ Expense
 Yield/ Rate Average Balance
 Income/ Expense
 Yield/ RateASSETS                Earning assets                Interest-bearing balances due from banks $555,186  $5,135  3.71% $557,451  $4,945  3.60%Federal funds sold  4,042   37  3.67%  5,282   48  3.69%Investment securities - taxable  2,936,008   25,787  3.52%  2,935,901   24,728  3.42%Investment securities - non-taxable - FTE  1,165,876   10,260  3.53%  1,175,663   10,285  3.55%Loans receivable - FTE  17,083,743   298,270  7.00%  15,680,598   273,678  7.08%Total interest-earning assets  21,744,855   339,489  6.26%  20,354,895   313,684  6.25%Non-earning assets  2,780,403        2,599,546      Total assets $24,525,258       $22,954,441                       LIABILITIES AND SHAREHOLDERS' EQUITY                Liabilities                Interest-bearing liabilities                Savings and interest-bearing transaction accounts $12,392,404  $68,650  2.22% $11,868,976  $64,408  2.20%Time deposits  2,301,685   18,782  3.27%  1,795,501   14,737  3.33%Total interest-bearing deposits  14,694,089   87,432  2.39%  13,664,477   79,145  2.35%Federal funds purchased  30   —  —%  —   —  —%Securities sold under agreement to repurchase 167,885   1,057  2.53%  151,877   927  2.48%FHLB and other borrowed funds  466,734   4,346  3.73%  500,250   4,692  3.80%Subordinated debentures  279,519   2,358  3.38%  279,350   2,355  3.42%Total interest-bearing liabilities  15,608,257   95,193  2.45%  14,595,954   87,119  2.42%Non-interest bearing liabilities                Non-interest bearing deposits  4,222,813        3,856,492      Other liabilities  158,476        177,275      Total liabilities  19,989,546        18,629,721      Shareholders' equity  4,535,712        4,324,720      Total liabilities and shareholders' equity $24,525,258       $22,954,441      Net interest spread       3.81%       3.83%Net interest income and margin - FTE    $244,296  4.51%    $226,565  4.51%                   Home BancShares, Inc.Consolidated Net Interest Margin(Unaudited)                   Six Months Ended  June 30, 2026 June 30, 2025(Dollars in thousands) Average Balance
 Income/ Expense
 Yield/ Rate Average Balance
 Income/ Expense
 Yield/ Rate                 ASSETS                Earning assets                Interest-bearing balances due from banks $556,312  $10,080  3.65% $713,455  $15,571  4.40%Federal funds sold  4,658   85  3.68%  4,984   108  4.37%Investment securities - taxable  2,935,955   50,515  3.47%  3,137,296   53,877  3.46%Investment securities - non-taxable - FTE  1,170,742   20,545  3.54%  1,124,351   20,094  3.60%Loans receivable - FTE  16,386,047   571,948  7.04%  14,975,109   547,067  7.37%Total interest-earning assets  21,053,714   653,173  6.26%  19,955,195   636,717  6.43%Non-earning assets  2,702,912        2,718,779      Total assets $23,756,626       $22,673,974                       LIABILITIES AND SHAREHOLDERS' EQUITY                 Liabilities                Interest-bearing liabilities                Savings and interest-bearing transaction accounts $12,132,136  $133,059  2.21% $11,472,548  $140,713  2.47%Time deposits  2,049,991   33,518  3.30%  1,844,059   34,562  3.78%Total interest-bearing deposits  14,182,127   166,577  2.37%  13,316,607   175,275  2.65%Federal funds purchased  15   —  —%  23   —  —%Securities sold under agreement to repurchase 159,925   1,984  2.50%  149,773   2,086  2.81%FHLB and other borrowed funds  483,399   9,038  3.77%  583,739   11,441  3.95%Subordinated debentures  279,435   4,713  3.40%  439,100   8,247  3.79%Total interest-bearing liabilities  15,104,901   182,312  2.43%  14,489,242   197,049  2.74%Non-interest bearing liabilities                Non-interest bearing deposits  4,040,665        3,981,425      Other liabilities  167,823        196,232      Total liabilities  19,313,389        18,666,899      Shareholders' equity  4,443,237        4,007,075      Total liabilities and shareholders' equity $23,756,626       $22,673,974      Net interest spread       3.83%       3.69%Net interest income and margin - FTE    $470,861  4.51%    $439,668  4.44%                   Home BancShares, Inc.Non-GAAP Reconciliations(Unaudited)                 Quarter Ended Six Months Ended(Dollars and shares in thousands, except per share data) Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Jun. 30, 2026 Jun. 30, 2025NET INCOME (EARNINGS), AS ADJUSTED              GAAP net income available to common shareholders (A)$119,327  $118,209  $118,225  $123,604  $118,403  $237,536  $233,612 Pre-tax adjustments              Merger and acquisition expense  12,726   394   580   —   —   13,120   — Gain on retirement of subordinated debt  —   —   —   (1,882)  —   —   — FDIC special assessment credit  —   (1,697)  —   —   (1,516)  (1,697)  (1,516)BOLI death benefits  (274)  —   —   (187)  (1,243)  (274)  (1,243)Gain on sale of premises and equipment  —   —   —   —   (983)  —   (983)Fair value adjustment for marketable securities  (817)  1,248   (1,173)  (1,020)  238   431   (204)Special income from equity investment  —   —   —   —   (3,498)  —   (7,389)Legal fee reimbursement  —   —   —   —   (885)  —   (885)Legal claims expense  —   —   —   —   3,300   —   3,300 Recoveries on historic losses  —   —   —   (2,040)  —   —   — Total pre-tax adjustments  11,635   (55)  (593)  (5,129)  (4,587)  11,580   (8,920)Tax-effect of adjustments  2,901   (13)  (231)  (1,207)  (817)  2,888   (1,876)Total adjustments after-tax (B)  8,734   (42)  (362)  (3,922)  (3,770)  8,692   (7,044)Net income, as adjusted (C) $128,061  $118,167  $117,863  $119,682  $114,633  $246,228  $226,568                Average diluted shares outstanding (D)  201,420   196,733   196,764   197,288   197,765   199,088   198,289                GAAP diluted earnings per share: (A/D) $0.59  $0.60  $0.60  $0.63  $0.60  $1.19  $1.18 Adjustments after-tax: (B/D)  0.05   0.00   0.00   (0.02)  (0.02)  0.05   (0.04)Diluted earnings per common share, as adjusted: (C/D) $0.64  $0.60  $0.60  $0.61  $0.58  $1.24  $1.14                ANNUALIZED RETURN ON AVERAGE ASSETS              Return on average assets: (A/E)  1.95%  2.09%  2.06%  2.17%  2.08%  2.02%  2.08%Return on average assets, as adjusted: (ROA, as adjusted) ((A+D)/E)  2.09%  2.09%  2.05%  2.10%  2.02%  2.09%  2.02%Return on average assets excluding intangible amortization: ((A+C)/(E-F))  2.12%  2.25%  2.22%  2.34%  2.25%  2.18%  2.25%Return on average assets, as adjusted, excluding intangible amortization: ((A+C+D)/(E-F))  2.27%  2.25%  2.22%  2.27%  2.18%  2.26%  2.18%               GAAP net income available to common shareholders (A)$119,327  $118,209  $118,225  $123,604  $118,403  $237,536  $233,612 Amortization of intangibles (B)  2,889   1,938   1,938   2,024   2,025   4,827   4,072 Amortization of intangibles after-tax (C)  2,185   1,466   1,466   1,529   1,530   3,651   3,077 Adjustments after-tax (D)  8,734   (42)  (362)  (3,922)  (3,770)  8,692   (7,044)Average assets (E)  24,525,258   22,954,441   22,786,852   22,638,938   22,797,738   23,756,626   22,673,974 Average goodwill & core deposit intangible (F)  1,481,989   1,429,527   1,431,479   1,433,474   1,435,480   1,455,903   1,436,492                  Home BancShares, Inc.Non-GAAP Reconciliations(Unaudited)                 Quarter Ended Six Months Ended(Dollars in thousands) Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Jun. 30, 2026 Jun. 30, 2025ANNUALIZED RETURN ON AVERAGE COMMON EQUITY                Return on average common equity: (A/D)  10.55%  11.09%  11.04%  11.91%  11.77%  10.78%  11.76%Return on average common equity, as adjusted: (ROE, as adjusted) ((A+C)/D)  11.32%  11.08%  11.01%  11.54%  11.39%  11.18%  11.40%Return on average tangible common equity: (ROTCE) (A/(D-E))  15.67%  16.56%  16.65%  18.28%  18.26%  16.03%  18.33%Return on average tangible common equity, as adjusted: (ROTCE, as adjusted) ((A+C)/(D-E))  16.82%  16.55%  16.60%  17.70%  17.68%  16.62%  17.77%Return on average tangible common equity excluding intangible amortization: (B/(D-E))  15.96%  16.76%  16.85%  18.51%  18.50%  16.28%  18.57%Return on average tangible common equity, as adjusted, excluding intangible amortization: ((B+C)/(D-E))  17.11%  16.76%  16.80%  17.93%  17.92%  16.87%  18.02%               GAAP net income available to common shareholders (A) $119,327  $118,209  $118,225  $123,604  $118,403  $237,536  $233,612 Earnings excluding intangible amortization (B)  121,512   119,675   119,691   125,133   119,933   241,187   236,689 Adjustments after-tax (C)  8,734   (42)  (362)  (3,922)  (3,770)  8,692   (7,044)Average common equity (D)  4,535,712   4,324,720   4,248,856   4,115,884   4,036,155   4,443,237   4,007,075 Average goodwill & core deposits intangible (E)  1,481,989   1,429,527   1,431,479   1,433,474   1,435,480   1,455,903   1,436,492                EFFICIENCY RATIO & P5NR              Efficiency ratio: ((D-G)/(B+C+E))  44.54%  41.59%  39.54%  40.21%  41.68%  43.14%  41.94%Efficiency ratio, as adjusted: ((D-G-I)/(B+C+E-H))  40.46%  41.99%  39.53%  40.95%  42.01%  41.19%  42.42%Pre-tax net income to total revenue (net) (A/(B+C))  52.32%  57.08%  54.35%  57.38%  56.08%  54.58%  56.32%Pre-tax net income, as adjusted, to total revenue (net) ((A+F)/(B+C))  56.27%  57.06%  54.14%  55.53%  54.39%  56.64%  54.64%Pre-tax, pre-provision, net income (PPNR) (B+C-D) $159,603  $152,732  $167,723  $162,833  $154,991  $312,335  $302,145 Pre-tax, pre-provision, net income, as adjusted (B+C-D+F) $171,238  $152,677  $167,130  $157,704  $150,404  $323,915  $293,225 P5NR(Pre-tax, pre-provision, profit percentage) PPNR to total revenue (net)) (B+C-D)/(B+C)  54.08%  57.27%  59.46%  58.64%  57.19%  55.60%  56.89%P5NR, as adjusted (B+C-D+F)/(B+C)  58.03%  57.25%  59.25%  56.80%  55.49%  57.66%  55.21%               Pre-tax net income (A) $154,403  $152,232  $153,323  $159,327  $151,991  $306,635  $299,145 Net interest income (B)  241,643   223,904   231,586   226,166   219,952   465,547   434,608 Non-interest income (C)  53,454   42,803   50,500   51,505   51,079   96,257   96,505 Non-interest expense (D)  135,494   113,975   114,363   114,838   116,040   249,469   228,968 Fully taxable equivalent adjustment (E)  2,653   2,661   2,252   2,916   2,526   5,314   5,060 Total pre-tax adjustments (F)  11,635   (55)  (593)  (5,129)  (4,587)  11,580   (8,920)Amortization of intangibles (G)  2,889   1,938   1,938   2,024   2,025   4,827   4,072                Adjustments:              Non-interest income:              Gain on retirement of subordinated debt $—  $—  $—  $1,882  $—  $—  $— Fair value adjustment for marketable securities  817   (1,248)  1,173   1,020   (238)  (431)  204 Gain (loss) on OREO  332   707   203   (1)  13   1,039   (363)Gain (loss) on branches, equipment and other assets, net  3   (7)  11   (66)  972   (4)  809 Special income from equity investment  —   —   —   —   3,498   —   7,389 BOLI death benefits  274   —   —   187   1,243   274   1,243 Legal expense reimbursement  —   —   —   —   885   —   885 Recoveries on historic losses  —   —   —   2,040   —   —   — Total non-interest income adjustments (H) $1,426  $(548) $1,387  $5,062  $6,373  $878  $10,167                Non-interest expense:              FDIC special assessment credit  —   (1,697)  —   —   (1,516)  (1,697)  (1,516)Merger and acquisition expenses  12,726   394   580   —   —   13,120   — Legal claims expense  —   —   —   —   3,300   —   3,300 Total non-interest expense adjustments (I) $12,726  $(1,303) $580  $—  $1,784  $11,423  $1,784                  Home BancShares, Inc.Non-GAAP Reconciliations(Unaudited)             Quarter Ended  Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025TANGIBLE BOOK VALUE PER COMMON SHARE          Book value per common share: (A/B) $22.68  $22.15  $21.88  $21.41  $20.71 Tangible book value per common share: ((A-C-D)/B)  15.32   14.87   14.60   14.13   13.44            Total shareholders' equity (A) $4,547,435  $4,349,585  $4,296,871  $4,214,964  $4,085,316 End of period common shares outstanding (B)  200,460   196,394   196,357   196,889   197,239 Goodwill (C)  1,410,211   1,398,253   1,398,253   1,398,253   1,398,253 Core deposit and other intangibles (D)  65,541   30,355   32,293   34,231   36,255            TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS            Equity to assets: (B/A)  18.40%  18.75%  18.78%  18.56%  17.83%Tangible common equity to tangible assets: ((B-C-D)/(A-C-D))  13.22%  13.42%  13.36%  13.08%  12.35%           Total assets (A) $24,713,248  $23,201,679  $22,881,879  $22,707,802  $22,907,022 Total shareholders' equity (B)  4,547,435   4,349,585   4,296,871   4,214,964   4,085,316 Goodwill (C)  1,410,211   1,398,253   1,398,253   1,398,253   1,398,253 Core deposit and other intangibles (D)  65,541   30,355   32,293   34,231   36,255                        Home BancShares, Inc.Shareholder Buyback Yield(Unaudited)                 Quarter Ended Six Months Ended(Dollars and shares in thousands) Jun. 30, 2026 Mar. 31, 2026 Dec. 31, 2025 Sep. 30, 2025 Jun. 30, 2025 Jun. 30, 2026 Jun. 30, 2025SHAREHOLDER BUYBACK YIELD              Shareholder buyback yield: (A/B)  0.77%  0.25%  0.27%  0.18%  0.49%  1.00%  1.02%               Shares repurchased  1,500   508   541   350   1,000   2,008   2,000 Average price per share $26.94  $27.32  $27.26  $28.34  $26.99  $27.04  $28.33 Principal cost  40,415   13,877   14,747   9,918   26,989   54,292   56,657 Excise tax  386   1   141   93   459   387   576 Total share repurchase cost (A) $40,801  $13,878  $14,888  $10,011  $27,448  $54,679  $57,233                Shares outstanding beginning of period  196,394   196,357   196,889   197,239   198,206   196,357   198,882 Price per share beginning of period $26.93  $27.78  $28.30  $28.46  $28.27  $27.78  $28.30 Market capitalization beginning of period (B) $5,288,890  $5,454,797  $5,571,959  $5,613,422  $5,603,284  $5,454,797  $5,628,361                 Photos accompanying this announcement are available at 

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Home BancShares is reaffirmed as a soft ‘buy' due to strong growth, high asset quality, and a recent strategic acquisition. HOMB's net interest margin and profitability are improving, supported by disciplined balance sheet management and low-cost, well-diversified deposits. The Mountain Commerce Bancorp acquisition adds assets in high-growth Tennessee markets at an attractive 8.1x P/E, with modest integration risks.

June 15, 2026 17:15 ET  | Source: Home BancShares, Inc.

CONWAY, Ark., June 15, 2026 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB), parent company of Centennial Bank, today announced it expects to release Second Quarter 2026 earnings after the market closes on July 15, 2026. Following this release, management will conduct a conference call to review these earnings at 1:00 p.m. CT (2:00 p.m. ET) on Tuesday, July 16, 2026.

We strongly encourage all participants to pre-register for the conference call webcast or the live call using one of the following links. First, participants can pre-register for the conference call webcast using the following link: https://events.q4inc.com/attendee/346859709. Participants who pre-register will be given a unique webcast link to gain immediate access to the conference call webcast. Second, participants can pre-register for the live call using the following link: https://events.q4inc.com/analyst/346859709?pwd=sU182NPD. Participants who pre-register will be given the phone number and unique access codes to gain immediate access to the live call. Participants may pre-register now, or at any time prior to the call, and will immediately receive simple instructions via email. The Home BancShares conference call will also be scheduled as an event in your Outlook calendar.

Those without internet access or unable to pre-register may dial in and listen to the live call by calling 1-833-461-5787, Passcode: 346859709. A replay of the call will be available using the following link: https://events.q4inc.com/attendee/346859709. Internet access to the call will be available live or in recorded version on the Company's website at www.homebancshares.com.

Home BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Its wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has branch locations in Arkansas, Florida, Texas, Tennessee, South Alabama and New York City. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.”

FOR MORE INFORMATION CONTACT:

Home BancShares, Inc.
Donna Townsell
Senior Executive Vice President &
Director of Investor Relations
(501) 328-4625
Ticker symbol: HOMB

Home BancShares delivered a stellar FY 2025, with net income up 18.2% and strong operational metrics versus peers. HOMB's acquisition of Mountain Commerce Bancorp expands its footprint into high-growth Tennessee markets at a bargain 1.05x TBV, expected to be triple accretive. An efficiency ratio of 39.5% and robust asset quality underscore HOMB's disciplined expense management and conservative balance sheet.

CONWAY, Ark., April 01, 2026 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB) (“Home” or “the Company”), parent company of Centennial Bank (“Centennial”), today announced that it has completed its previously announced acquisition of Mountain Commerce Bancorp, Inc. (“Mountain Commerce” or “MCBI”), parent company of Mountain Commerce Bank, pursuant to the terms of a definitive agreement and plan of merger. The acquisition was completed through a series of mergers resulting in Mountain Commerce merging into Home and Mountain Commerce Bank merging into Centennial. The acquisition is effective today, April 1, 2026.

CONWAY, Ark., April 07, 2026 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB) (“Home” or “the Company”), parent company of Centennial Bank (“Centennial”), today announced that it has earned the #2 spot on S&P Global Market Intelligence's list of Top 50 U. S. Public Banks (with greater than $10 billion in total assets) for the performance year 2025.

Besides Wall Street's top-and-bottom-line estimates for Home BancShares (HOMB), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended March 2026.

Home BancShares, Inc. (NYSE: HOMB) will release earnings for its first quarter after the closing bell on Wednesday, April 15.

Home BancShares (HOMB) came out with quarterly earnings of $0.6 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.56 per share a year ago.

Home BancShares, Inc. (HOMB) Q1 2026 Earnings Call Transcript

Home BancShares (NYSE: HOMB - Get Free Report) and First NBC Bank (OTCMKTS:FNBCQ - Get Free Report) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, earnings, analyst recommendations, institutional ownership, dividends, valuation and risk. Profitability This table compares Home BancShares and