Home BancShares, Inc. (HOMB) Q2 2025 Financial Results Summary
Release Date: July 16, 2025
Home BancShares, Inc. (NYSE: HOMB), parent company of Centennial Bank, announced its financial results for the second quarter of 2025, presenting an overall increase in earnings and various financial metrics compared to the same period last year.
Financial Highlights
- Net Income:
- Q2 2025: $118.4 million
- Q2 2024: $101.5 million
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Growth: 16.5% year-over-year
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Net Income, as Adjusted (non-GAAP):
- Q2 2025: $114.6 million
- Q2 2024: $103.9 million
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Growth: 10.6% year-over-year
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Total Revenue (net):
- Q2 2025: $271.0 million
- Q2 2024: $254.6 million
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Growth: 6.4% year-over-year
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Income Before Income Taxes:
- Q2 2025: $152.0 million
- Q2 2024: $133.4 million
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Growth: 14% year-over-year
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Pre-Tax, Pre-Provision Net Income (PPNR):
- Q2 2025: $155.0 million
- Q2 2024: $141.4 million
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Growth: 9.6% year-over-year
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Return on Assets (ROA):
- Q2 2025: 2.08%
- Q2 2024: 1.79%
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Growth: 16.2% year-over-year
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Return on Average Equity (ROE):
- Q2 2025: 11.77%
- Q2 2024: 10.73%
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Growth: 9.7% year-over-year
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Diluted Earnings Per Share (EPS):
- Q2 2025: $0.60
- Q2 2024: $0.51
- Growth: 17.6% year-over-year
Financial Condition
- Total Loans Receivable:
- Q2 2025: $15.18 billion
- Q1 2025: $14.95 billion
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Growth: 1.53% quarter-over-quarter
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Total Deposits:
- Q2 2025: $17.49 billion
- Q1 2025: $17.54 billion
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Decrease: 0.29% quarter-over-quarter
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Total Assets:
- Q2 2025: $22.91 billion
- Q1 2025: $22.99 billion
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Decrease: 0.35% quarter-over-quarter
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Non-Performing Assets to Total Assets:
- Q2 2025: 0.60%
- Q1 2025: 0.56%
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Increase: 7.14% quarter-over-quarter
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Allowance for Credit Losses to Total Loans:
- Q2 2025: 1.86%
- Q1 2025: 1.87%
- Decrease: 0.54% quarter-over-quarter
Dividends and Share Repurchase
- Dividends Per Share:
- Q2 2025: $0.20
- Q1 2025: $0.195
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Increase: 2.6% quarter-over-quarter
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Shareholder Buyback:
- Repurchased 1.0 million shares
- Shareholder buyback yield:
- Q2 2025: 0.49%
- Q1 2025: 0.53%
- Decrease: 7.55% quarter-over-quarter
Operating Highlights
- Net Interest Margin (NIM):
- Q2 2025: 4.44%
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Compared to 4.44% for Q1 2025.
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Non-Interest Income:
- Q2 2025: $51.1 million
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Growth driven by various service charges and fees.
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Non-Interest Expense:
- Q2 2025: $116.0 million
- Key components include salaries and employee benefits as well as operational expenses.
Conference Call
Management will hold a conference call on July 17, 2025, at 1:00 PM CT to discuss the financial results in detail.
In conclusion, Home BancShares, Inc. demonstrated strong financial performance in Q2 2025, setting records in net income and EPS while maintaining a solid capital position with a commitment to shareholder returns through dividends and stock repurchases.
| Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | |
|---|---|---|---|---|---|
| Interest income: | |||||
| Loans | $276,041 | $270,784 | $278,409 | $281,977 | $274,324 |
| Investment securities | |||||
| Taxable | $26,444 | $27,433 | $28,943 | $31,006 | $32,587 |
| Tax-exempt | $7,626 | $7,650 | $7,704 | $7,704 | $7,769 |
| Deposits – other | $8,951 | $6,620 | $7,585 | $12,096 | $12,564 |
| banks | |||||
| Federal funds sold | $53 | $55 | $73 | $62 | $59 |
| Total interest income | $319,115 | $312,542 | $322,714 | $332,845 | $327,303 |
| Interest expense: | |||||
| Interest on deposits | $88,489 | $86,786 | $90,564 | $97,785 | $95,741 |
| Federal funds purchased | $— | $— | $— | $1 | $— |
| FHLB and other borrowed | $5,539 | $5,902 | $9,541 | $14,383 | $14,255 |
| borrowed funds | |||||
| repurchase | $1,012 | $1,074 | $1,346 | $1,335 | $1,363 |
| Subordinated debentures | $4,123 | $4,124 | $4,121 | $4,121 | $4,122 |
| Total interest expense | $99,163 | $97,886 | $105,572 | $117,625 | $115,481 |
| Net interest income | $219,952 | $214,656 | $217,142 | $215,220 | $211,822 |
| Provision for credit losses | $3,000 | $— | $16,700 | $18,200 | $8,000 |
| Total credit loss expense | $3,000 | $— | $16,700 | $18,870 | $8,000 |
| Net interest income | |||||
| after credit loss expense | $216,952 | $214,656 | $200,442 | $196,350 | $203,822 |
| Non-interest income: | |||||
| Service charges on deposit accounts | $9,552 | $9,650 | $9,935 | $9,888 | $9,714 |
| Other service charges | $12,643 | $10,689 | $11,651 | $10,490 | $10,679 |
| and fees | |||||
| Trust fees | $5,234 | $4,760 | $4,526 | $4,403 | $4,722 |
| Mortgage lending income | $4,780 | $3,599 | $3,518 | $4,437 | $4,276 |
| Insurance commissions | $589 | $535 | $483 | $595 | $565 |
| Increase in cash value of life insurance | $1,415 | $1,842 | $1,215 | $1,161 | $1,279 |
| Dividends from FHLB, FRB, FNBB & other | $2,657 | $2,718 | $2,820 | $2,637 | $2,998 |
| Gain on SBA loans | $— | $288 | $218 | $145 | $56 |
| Gain (loss) on branches, equipment and other assets, net | $972 | -$163 | $26 | $32 | $2,052 |
| Gain (loss) on OREO, net | $13 | -$376 | -$2,423 | $85 | $49 |
| Other income | $13,462 | $11,442 | $8,403 | $7,514 | $6,658 |
| Total non-interest income | $51,079 | $45,426 |
