UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) Table of Contents ☑ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended June 30, 2025 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition period from ______ to ______ Commission File Number: 001-41093 HOME BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) (State or other ...

Core Viewpoint - Home BancShares (HOMB) has shown a downtrend recently, losing 5% over the past week, but a hammer chart pattern suggests a potential trend reversal due to increased buying interest [1][2]. Technical Analysis - The hammer chart pattern indicates a possible bottom in the stock price, suggesting that selling pressure may be exhausting [2][5]. - This pattern forms when there is a small candle body with a long lower wick, indicating that the stock opened lower, made a new low, but closed near its opening price after finding support [4][5]. - Hammer candles can appear on various timeframes and are used by both short-term and long-term investors [5]. Fundamental Analysis - There is rising optimism among Wall Street analysts regarding HOMB's future earnings, with a 2.1% increase in the consensus EPS estimate over the last 30 days [7][8]. - HOMB currently holds a Zacks Rank 2 (Buy), placing it in the top 20% of over 4,000 ranked stocks, which typically outperform the market [9][10]. - The upward trend in earnings estimate revisions is a strong bullish indicator, correlating with near-term stock price movements [7].

Group 1 - Home BancShares, Inc. declared a quarterly cash dividend of $0.20 per share, payable on September 3, 2025, to shareholders of record on August 13, 2025 [1] - The declared cash dividend is consistent with the dividend paid during the second quarter of 2025 [1] Group 2 - Home BancShares, Inc. is a bank holding company headquartered in Conway, Arkansas, with its wholly-owned subsidiary, Centennial Bank, providing a range of commercial and retail banking services [2] - Centennial Bank operates branch locations in Arkansas, Florida, Texas, South Alabama, and New York City [2] - The company's common stock is traded on the New York Stock Exchange under the symbol "HOMB" [2]

Financial Data and Key Metrics Changes - Home Bancshares reported record earnings of $119.4 million for Q2 2025, translating to $0.60 earnings per share, with a return on assets of 2.08%, slightly up from 2.07% in the previous quarter [8][9] - The non-GAAP return on tangible common equity was 18.26%, compared to 17.68% in the prior quarter [8] - Loan loss reserves remained strong at 1.86%, with Tier 1 capital at 15.6% and a leverage ratio of 13.4% [9] Business Line Data and Key Metrics Changes - The Trust, Wealth Management, and Mortgage divisions showed meaningful improvements, contributing positively to the bottom line [16] - CCFG closed approximately $500 million in new commitments for the quarter, bringing the year-to-date total to over $800 million, with portfolio growth of about CAD 122 million [22] Market Data and Key Metrics Changes - Deposits decreased by $53 million in Q2 due to seasonal tax payments, but balances grew in May and June, indicating a recovery in deposit activity [15] - The reported net interest margin was 4.44%, consistent with the prior quarter, while the core margin excluding event income increased to 4.43% from 4.42% in Q1 [15] Company Strategy and Development Direction - The company aims to acquire additional assets to enhance income, targeting approximately $450 million in income for 2025 and $500 million for 2026 [12][13] - Management is actively pursuing several acquisition opportunities, with a focus on deals that are accretive to earnings per share [40][41] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about maintaining strong performance in Q3, expecting results to be similar to the first two quarters of 2025 [28] - The company is cautious about potential rapid interest rate cuts, emphasizing the need for a gradual approach to avoid inflation [37] Other Important Information - The company has been aggressive in stock buybacks, repurchasing over 3 million shares worth approximately $86 million this year [9][11] - A lawsuit settlement resulted in elevated expenses for the quarter, amounting to about $3.5 million, but management expects expenses to normalize in future quarters [80][81] Q&A Session Summary Question: What is driving the recent loan growth? - Management noted that while they are not being more aggressive, they are capitalizing on strong market conditions in certain regions [32][33] Question: What size opportunities are being targeted for M&A? - Management is looking at opportunities in the $2 billion to $6 billion range, focusing on deals that are in or near their market footprint [42][143] Question: What is the outlook for deposit pricing? - Management indicated that deposit pricing remains stable, with some competition but they are able to negotiate slightly lower rates than competitors [52][53] Question: How will the removal of subordinated debt impact margins? - The removal of subordinated debt is expected to benefit the net interest margin by about 5 to 6 basis points, with full benefits realized in Q4 [146] Question: What are the hiring plans for lenders? - Management stated that they do not plan to aggressively hire lenders from competitors, preferring to develop talent internally [131][133] Question: How is the company approaching potential growth opportunities in California? - Management expressed caution regarding the rebuilding opportunities in California, noting that it may take time for significant activity to resume [135]

Financial Data and Key Metrics Changes - The company reported record earnings of $119.4 million for Q2 2025, translating to $0.60 earnings per share, with a return on assets of 2.08%, compared to $115.2 million and a return on assets of 2.07% in the previous quarter [7][8] - Non-GAAP return on tangible common equity was 18.26%, while GAAP return was 17.68% [7] - Loan loss reserves remained strong at 1.86%, with Tier 1 capital at 15.6% and a leverage ratio of 13.4% [8] Business Line Data and Key Metrics Changes - The Trust, Wealth Management, and Mortgage divisions showed meaningful improvements, contributing positively to the bottom line [16] - CCFG closed approximately $500 million in new commitments for Q2, bringing the year-to-date total to over $800 million, with portfolio growth of CAD 122 million [24] Market Data and Key Metrics Changes - Deposits decreased by $53 million in Q2 due to seasonal tax payments, but balances grew in May and June, indicating a recovery in deposit activity [16] - The company operates in dynamic and growing states such as Arkansas, Texas, Alabama, and Florida, which are contributing to its performance [16] Company Strategy and Development Direction - The company aims to acquire additional assets to enhance income, targeting approximately $450 million in income for the current year and $500 million for the next year [12][11] - Management is actively looking at several acquisition opportunities and intends to make an announcement before the next quarterly report [12] Management's Comments on Operating Environment and Future Outlook - Management expressed optimism about the trajectory of margins and expects the third quarter to perform similarly to the first two quarters of 2025 [30] - The company is cautious about potential rapid interest rate cuts, emphasizing the need for a gradual approach to avoid inflation [36] Other Important Information - The company has been aggressive in stock buybacks, purchasing over 3 million shares worth approximately $86 million and paying out about $150 million in dividends [8][10] - A lawsuit settlement resulted in elevated expenses for the quarter, amounting to approximately $3.5 million, but management expects expenses to normalize in the following quarters [81][82] Q&A Session Summary Question: Loan growth and customer base aggressiveness - Management noted that while they are not being more aggressive, they are benefiting from strong markets where their teams are performing well [32][34] Question: M&A opportunities and deal sizes - The company is looking at potential acquisitions in the range of $2 billion to $6 billion, focusing on opportunities that align with their growth strategy [131][132] Question: Deposit pricing and competition - Management indicated that deposit pricing remains competitive but they are able to negotiate slightly lower rates than competitors [56] Question: Impact of sub debt on margin - The removal of sub debt is expected to benefit the net interest margin by about 5 to 6 basis points, with full benefits realized in Q4 [137] Question: Hiring plans - The company does not plan to aggressively hire lenders, preferring to develop talent internally rather than poaching from competitors [120][126] Question: Mortgage banking outlook - The mortgage banking segment has shown variability, with no strong multi-month trends expected until interest rates decrease significantly [90][91]

Home BancShares (HOMB) came out with quarterly earnings of $0.58 per share, in line with the Zacks Consensus Estimate . This compares to earnings of $0.52 per share a year ago. These figures are adjusted for non-recurring items. A quarter ago, it was expected that this bank holding company would post earnings of $0.54 per share when it actually produced earnings of $0.56, delivering a surprise of +3.7%.Over the last four quarters, the company has surpassed consensus EPS estimates just once.Home BancShares, ...

EXHIBIT 99.1 For Immediate Release: July 16, 2025 Consistency, Strength & Earnings Power Remain the Story at HOMB Conway, AR – Home BancShares, Inc. (NYSE: HOMB) ("Home" or the "Company"), parent company of Centennial Bank, released quarterly earnings today. | | Quarterly | | Highlights | | | | | --- | --- | --- | --- | --- | --- | --- | | Metric | | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | | Net income | | $118.4 million | $115.2 million | $100.6 million | $100.0 million | $101.5 million | | (1) | ...

CONWAY, Ark., July 16, 2025 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB) (“Home” or the “Company”), parent company of Centennial Bank, released quarterly earnings today. Quarterly HighlightsMetricQ2 2025Q1 2025Q4 2024Q3 2024Q2 2024Net income$118.4 million<td style="text-align: center ; vertical-align: middle; padding-left: 0 ; padding-right: 0 ; border-left: solid black 1pt ; border-bottom: solid black 1pt ; border-right: solid black 1pt ; bor ...

Group 1 - Home BancShares, Inc.'s stock price has declined by 7% since the downgrade to a hold rating in January 2025 [1] - The decline in stock price has made the stock's valuation somewhat attractive [1]

Core Viewpoint - Home BancShares, Inc. is set to release its Second Quarter 2025 earnings on July 16, 2025, followed by a conference call on July 17, 2025, to discuss the results [1]. Group 1: Earnings Release and Conference Call - The earnings release will occur after market close on July 16, 2025 [1]. - A conference call to review the earnings will take place at 1:00 p.m. CT (2:00 p.m. ET) on July 17, 2025 [1]. Group 2: Pre-registration for Conference Call - Participants are encouraged to pre-register for the conference call webcast or live call through provided links [2]. - Pre-registered participants will receive a unique link or phone number with access codes for immediate entry into the call [2]. Group 3: Accessing the Call - Those without internet access can listen to the live call by dialing 1-833-470-1428 with the passcode 171523 [3]. - A replay of the call will be available until July 24, 2025, by calling 1-866-813-9403 with the passcode 539251 [3]. Group 4: Company Overview - Home BancShares, Inc. is a bank holding company based in Conway, Arkansas, with its subsidiary, Centennial Bank, offering a range of banking services [4]. - Centennial Bank operates branches in Arkansas, Florida, South Alabama, Texas, and New York City, with Texas branches functioning as Happy State Bank [4].