Compared to Estimates, Home BancShares (HOMB) Q3 Earnings: A Look at Key Metrics

Core Insights - Home BancShares reported revenue of $277.67 million for the quarter ended September 2025, reflecting a year-over-year increase of 7.6% and a surprise of +2.68% over the Zacks Consensus Estimate of $270.43 million [1] - The earnings per share (EPS) for the quarter was $0.61, compared to $0.50 in the same quarter last year, resulting in an EPS surprise of +1.67% against the consensus estimate of $0.60 [1] Financial Performance Metrics - Efficiency Ratio was reported at 40.2%, better than the estimated 41.2% by three analysts [4] - Net Interest Margin stood at 4.6%, slightly above the average estimate of 4.5% from three analysts [4] - Total non-performing assets amounted to $126.48 million, lower than the estimated $131.5 million by two analysts [4] - Total non-performing loans were reported at $85.21 million, compared to the estimated $85.58 million by two analysts [4] - Average balance of total interest-earning assets was $19.94 billion, below the estimated $20.14 billion by two analysts [4] - Net charge-offs to average total loans were at 0.1%, matching the estimate from two analysts [4] - Net Interest Income was $226.17 million, exceeding the average estimate of $224.38 million from three analysts [4] - Total Non-Interest Income reached $51.51 million, significantly higher than the average estimate of $43.47 million from three analysts [4] - Net Interest Income (FTE) was reported at $229.08 million, above the average estimate of $226.72 million from two analysts [4] Stock Performance - Home BancShares shares have returned -2.2% over the past month, while the Zacks S&P 500 composite has changed by +1% [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]