--- title: "Home Bancshare | 8-K: FY2026 Q2 Revenue: USD 390.29 M" type: "News" locale: "en" url: "https://longbridge.com/en/news/292818876.md" datetime: "2026-07-15T21:22:13.000Z" locales: - [zh-CN](https://longbridge.com/zh-CN/news/292818876.md) - [en](https://longbridge.com/en/news/292818876.md) - [zh-HK](https://longbridge.com/zh-HK/news/292818876.md) generator: "portal-rs" --- # Home Bancshare | 8-K: FY2026 Q2 Revenue: USD 390.29 M Revenue: As of FY2026 Q2, the actual value is USD 390.29 M. EPS: As of FY2026 Q2, the actual value is USD 0.59, missing the estimate of USD 0.6063. EBIT: As of FY2026 Q2, the actual value is USD 156.76 M. #### Operational Metrics - **Net Income**: Net income for Q2 2026 was $119.3 million, compared to $118.4 million for Q2 2025. Net income, as adjusted (non-GAAP), reached a Company-record $128.1 million in Q2 2026, an 8.4% increase from $118.2 million in Q1 2026, and up from $114.6 million in Q2 2025. - **Income Before Income Taxes**: Income before income taxes was $154.4 million for Q2 2026, compared to $152.0 million for Q2 2025. - **Pre-tax, Pre-provision, Net Income (PPNR)**: PPNR (non-GAAP) totaled $159.6 million for Q2 2026, compared to $152.7 million in Q1 2026 and $155.0 million in Q2 2025. PPNR, as adjusted (non-GAAP), increased to a Company-record $171.2 million in Q2 2026, compared to $152.7 million in Q1 2026 and $150.4 million in Q2 2025. - **Total Revenue (Net)**: Total revenue (net) reached a Company-record $295.1 million for Q2 2026, increasing 10.6% from $266.7 million in Q1 2026, and up from $271.0 million in Q2 2025. - **Net Interest Income After Credit Loss Expense**: Net interest income after credit loss expense totaled $236.4 million for Q2 2026, an increase of 5.8% from $223.4 million in Q1 2026. - **Non-Interest Income**: Non-interest income totaled $53.5 million for Q2 2026, an increase of 24.9% from $42.8 million in Q1 2026. Key components for Q2 2026 included $13.1 million from other income, $13.0 million from other service charges and fees, $10.0 million from service charges on deposit accounts, $6.1 million from trust fees, and $5.1 million in mortgage lending income. - **Non-Interest Expense**: Total non-interest expense for Q2 2026 was $135.5 million, up from $114.0 million in Q1 2026. Major components for Q2 2026 included $68.7 million for salaries and employee benefits, $28.9 million for other operating expense, $15.8 million for occupancy and equipment expenses, $12.7 million for merger and acquisition expenses, and $9.3 million for data processing expenses. - **Efficiency Ratio**: The efficiency ratio was 44.54% for Q2 2026, compared to 41.59% in Q1 2026. The efficiency ratio, as adjusted (non-GAAP), improved to 40.46% in Q2 2026, compared to 41.99% in Q1 2026. - **Return on Average Assets (ROA)**: ROA was 1.95% for Q2 2026, compared to 2.09% in Q1 2026 and 2.08% in Q2 2025. ROA, as adjusted (non-GAAP), was 2.09% for Q2 2026, compared to 2.09% in Q1 2026 and 2.02% in Q2 2025. - **Return on Average Common Equity (ROE)**: ROE was 10.55% for Q2 2026, compared to 11.09% in Q1 2026 and 11.77% in Q2 2025. ROE, as adjusted (non-GAAP), was 11.32% for Q2 2026, compared to 11.08% in Q1 2026 and 11.39% in Q2 2025. - **Return on Average Tangible Common Equity (ROTCE)**: ROTCE (non-GAAP) was 15.67% for Q2 2026, compared to 16.56% in Q1 2026 and 18.26% in Q2 2025. ROTCE, as adjusted (non-GAAP), was 16.82% for Q2 2026, compared to 16.55% in Q1 2026 and 17.68% in Q2 2025. - **Net Interest Margin (NIM)**: The net interest margin (NIM) was 4.51% for both Q2 2026 and Q1 2026, and 4.44% for Q2 2025. The yield on loans was 7.00% in Q2 2026, down from 7.08% in Q1 2026. The rate on interest-bearing deposits increased to 2.39% in Q2 2026 from 2.35% in Q1 2026. - **Purchase Accounting Accretion**: Purchase accounting accretion on acquired loans was $3.6 million for Q2 2026, compared to $1.1 million for Q1 2026, which increased the net interest margin by six basis points for Q2 2026. #### Balance Sheet Metrics - **Total Loans Receivable**: Total loans receivable were $17.13 billion at June 30, 2026, compared to $15.63 billion at March 31, 2026. Home BancShares, Inc. acquired $1.47 billion in loans, net of purchase accounting discounts, from Mountain Commerce Bancorp, Inc. during Q2 2026. Organic loan growth from the community banking footprint was $46.4 million, while Centennial CFG experienced a -$22.6 million organic loan decline in Q2 2026. - **Total Deposits**: Total deposits were $19.11 billion at June 30, 2026, compared to $17.74 billion at March 31, 2026. - **Total Assets**: Total assets were $24.71 billion at June 30, 2026, compared to $23.20 billion at March 31, 2026. - **Non-Performing Assets**: Non-performing loans to total loans were 1.08% at June 30, 2026, compared to 1.16% at March 31, 2026. Non-performing assets to total assets were 0.93% at June 30, 2026, compared to 0.97% at March 31, 2026. Total non-performing loans were $185.3 million at June 30, 2026, and $182.1 million at March 31, 2026. Total non-performing assets were $228.6 million at June 30, 2026, and $224.1 million at March 31, 2026. - **Net Loans Charged-Off**: Net loans charged-off were $5.8 million for Q2 2026, compared to $1.4 million for Q1 2026. - **Allowance for Credit Losses**: The allowance for credit losses on loans was $328.4 million, or 1.92% of total loans, at June 30, 2026, compared to $297.6 million, or 1.90% of total loans, at March 31, 2026. The allowance for credit losses on loans was 177.19% of total non-performing loans at June 30, 2026, up from 163.43% at March 31, 2026. - **Shareholders’ Equity**: Shareholders’ equity was $4.55 billion at June 30, 2026, an increase of approximately $197.9 million from March 31, 2026. This increase was primarily due to $146.0 million of common stock issued to MCBI shareholders and a $77.1 million increase in retained earnings, partially offset by $42.3 million in dividends paid and $40.5 million in stock repurchases. - **Capital Ratios**: Common equity tier 1 capital was 16.4% at June 30, 2026, compared to 16.7% at March 31, 2026 and 15.6% in Q2 2025. Leverage was 14.0% at June 30, 2026, compared to 14.3% at March 31, 2026 and 13.4% in Q2 2025. Tier 1 capital was 16.4% at June 30, 2026, compared to 16.7% at March 31, 2026 and 15.6% in Q2 2025. Total risk-based capital was 19.0% at June 30, 2026, compared to 19.5% at March 31, 2026 and 19.3% in Q2 2025. - **Book Value Per Share**: Book value per share increased to a Company record $22.68 at June 30, 2026, from $22.15 at March 31, 2026. Tangible book value per share (non-GAAP) increased to a Company record $15.32 at June 30, 2026, from $14.87 at March 31, 2026. - **Dividends Per Share**: Home BancShares, Inc. paid a dividend of $0.21 per share for Q2 2026, consistent with Q1 2026. - **Shareholder Buyback Yield**: The shareholder buyback yield was 0.77% for Q2 2026, compared to 0.25% for Q1 2026. Home BancShares, Inc. repurchased 1.5 million shares of common stock during Q2 2026, with a total repurchase cost of $40.8 million. #### Outlook / Guidance The Company anticipates continued revenue growth and earnings accretion in future periods, driven by the Mountain Commerce acquisition which enhances earnings capacity. Home BancShares, Inc. does not provide explicit forward-looking financial guidance beyond general expectations for growth and performance following the acquisition. 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