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Compared to Estimates, Home BancShares (HOMB) Q4 Earnings: A Look at Key Metrics

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Home BancShares (HOMB - Free Report) reported $282.09 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 9.2%. EPS of $0.60 for the same period compares to $0.50 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $270.2 million, representing a surprise of +4.4%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.60.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

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:
  • Net Interest Margin (FTE): 4.6% versus 4.5% estimated by three analysts on average.
  • Efficiency Ratio: 39.5% versus the three-analyst average estimate of 41.6%.
  • Total non-performing loans: $84.98 million versus the two-analyst average estimate of $78.32 million.
  • Average Balance - Total interest-earning assets: $20.13 billion compared to the $20.02 billion average estimate based on two analysts.
  • Total non-performing assets: $124.81 million compared to the $120.45 million average estimate based on two analysts.
  • Net charge-offs (recoveries) to average total loans: 0.1% versus 0.1% estimated by two analysts on average.
  • Net Interest Income: $231.59 million compared to the $225.19 million average estimate based on three analysts.
  • Total Non-Interest Income: $50.5 million versus the three-analyst average estimate of $44.99 million.
  • Net Interest Income (FTE): $233.84 million versus $224.76 million estimated by two analysts on average.

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 +2.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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