Back to top

Image: Bigstock

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

Read MoreHide Full Article

For the quarter ended September 2025, Home BancShares (HOMB - Free Report) reported revenue of $277.67 million, up 7.6% over the same period last year. EPS came in at $0.61, compared to $0.50 in the year-ago quarter.

The reported revenue represents a surprise of +2.68% over the Zacks Consensus Estimate of $270.43 million. With the consensus EPS estimate being $0.60, the EPS surprise was +1.67%.

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.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

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: 40.2% versus 41.2% estimated by three analysts on average.
  • Net Interest Margin: 4.6% versus the three-analyst average estimate of 4.5%.
  • Total non-performing assets: $126.48 million versus the two-analyst average estimate of $131.5 million.
  • Total non-performing loans: $85.21 million versus $85.58 million estimated by two analysts on average.
  • Average balance - Total interest-earning assets: $19.94 billion versus $20.14 billion estimated by two analysts on average.
  • Net charge-offs to average total loans: 0.1% versus 0.1% estimated by two analysts on average.
  • Net Interest Income: $226.17 million compared to the $224.38 million average estimate based on three analysts.
  • Total Non-Interest Income: $51.51 million compared to the $43.47 million average estimate based on three analysts.
  • Net Interest Income (FTE): $229.08 million compared to the $226.72 million average estimate based on two analysts.

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

Shares of Home BancShares have returned -2.2% over the past month versus the Zacks S&P 500 composite's +1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

See More Zacks Research for These Tickers


Normally $25 each - click below to receive one report FREE:


Home BancShares, Inc. (HOMB) - free report >>

Published in