# Home BancShares, Inc. (NYSE: HOMB) Q2 2025 Earnings Report
**Release Date: July 16, 2025**
Home BancShares, Inc., the parent company of Centennial Bank, announced its quarterly earnings for the period ending June 30, 2025. The report demonstrated consistent performance and record-setting metrics across several financial indicators.
### Quarterly Highlights
– **Net Income**: $118.4 million
– Q2 2025: $118.4M
– Q1 2025: $115.2M
– Q2 2024: $101.5M
– **Year-over-Year Growth**: **+16.66%** compared to Q2 2024
– **Net Income, as Adjusted (non-GAAP)**: $114.6 million
– Q2 2025: $114.6M
– Q1 2025: $111.9M
– Q2 2024: $103.9M
– **Year-over-Year Growth**: **+10.46%** compared to Q2 2024
– **Total Revenue (net)**: $271.0 million
– Q2 2025: $271.0M
– Q1 2025: $260.1M
– Q2 2024: $254.6M
– **Year-over-Year Growth**: **+6.42%** compared to Q2 2024
– **Pre-tax, Pre-provision Net Income (PPNR) (non-GAAP)**: $155.0 million
– Q2 2025: $155.0M
– Q1 2025: $147.2M
– Q2 2024: $141.4M
– **Year-over-Year Growth**: **+9.71%** compared to Q2 2024
– **Return on Assets (ROA)**: 2.08%
– Q2 2025: 2.08%
– Q1 2025: 2.07%
– Q2 2024: 1.79%
– **Year-over-Year Growth**: **+16.23%** compared to Q2 2024
– **Return on Equity (ROE)**: 11.77%
– Q2 2025: 11.77%
– Q1 2025: 11.75%
– Q2 2024: 10.73%
– **Year-over-Year Growth**: **+9.71%** compared to Q2 2024
– **Diluted Earnings per Share (EPS)**: $0.60
– Q2 2025: $0.60
– Q1 2025: $0.58
– Q2 2024: $0.51
– **Year-over-Year Growth**: **+17.65%** compared to Q2 2024
### Dividend and Share Repurchase
– Home BancShares declared a **quarterly dividend** of **$0.20 per share**, reflecting a **2.6% increase** from the previous quarter’s dividend of **$0.195**.
– The company repurchased **1.0 million shares** during the second quarter, resulting in a shareholder buyback yield of **0.49%**, a slight decrease from **0.53%** in Q1 2025.
### Operating Highlights
– **Total Loans Receivable**: Increased to **$15.18 billion** from **$14.95 billion** in Q1 2025, marking a record high for the company.
– **Non-performing Assets (NPA)**: 0.60% of total assets, up from 0.56% in Q1 2025.
– **Efficiency Ratio**: 41.68%, improved from 42.01% (as adjusted).
### Financial Condition
– **Stockholders’ Equity**: Increased to **$4.09 billion**, up from **$4.04 billion** in Q1 2025.
– **Total Assets**: Decreased slightly to **$22.91 billion**, compared to **$22.99 billion** in Q1 2025.
– **Book Value per Share**: Increased to **$20.71**, up from **$20.40** in the prior quarter.
### Summary
HOMB’s Q2 2025 earnings report emphasizes the company’s robust financial growth, achieving historic highs across key metrics. Significant increases in net income, revenue, and profits reflect effective management and a solid operational strategy. The increment in dividends and share repurchases demonstrate the firm’s commitment to returning value to shareholders.
### Upcoming Events
Home BancShares will host a conference call on July 17, 2025, at 1:00 PM CT to discuss the results further.
For complete financial disclosures and elaboration on the metrics, refer to the data provided in the earnings release.
Here are the extracted tables from the press release:
### Consolidated Statements of Income (in thousands)
| Quarter Ended | 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 | $53 | $55 | $73 | $62 | $59 |
| Federal Funds Sold | |||||
| 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 | |||||
| FHLB and Other Borrowed | $5,539 | $5,902 | $9,541 | $14,383 | $14,255 |
| Funds | $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 on Loans | $3,000 | 0 | $16,700 | $18,200 | $8,000 |
| Total Credit Loss Expense | $3,000 | 0 | $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 and Fees | $12,643 | $10,689 | $11,651 | $10,490 | $10,679 |
| 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 | $0 | $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 | $41,222 | $42,779 | $42,774 |
| Non-Interest Expense: | |||||
| Salaries and Employee Benefits | $64,318 | $61,855 | $60,824 | $58,861 | $60,427 |
| Occupancy and Equipment | $14,023 | $14,425 | $14,526 | $14,546 | $14,408 |
| Data Processing Expense | $8,364 | $8,558 | $9,324 | $9,088 | $8,935 |
| Other Operating Expenses | $29,335 | $28,090 | $27,536 | $27,550 | $29,415
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