HOMB Home BancShares (HOMB) Q1 FY26 earnings call
Home BancShares delivered a strong Q1 FY26, marked by record book values and robust capital levels, despite navigating a significant nonaccrual credit and a competitive rate environment. The company continues to prioritize conservative balance sheet management and shareholder returns through buybacks, while actively seeking accretive M&A opportunities. Management expressed caution regarding the economic outlook, particularly inflation and credit quality, but remains confident in its ability to manage potential challenges.
You’re reading a preview. Opening the full call uses 1 concall credit.
Sign in to use your monthly call allowance.
HOMB operating KPIs by quarter
| KPI | This call Mar 2026 Q1 FY26 | Jun 2026 Q2 FY26 | Sep 2026 Q3 FY26 | Change vs prior quarter |
|---|---|---|---|---|
| Common equity tier 1 ratio (CET1) | 16.7%And Results demonstrate sound expense control, consistent operating performance and attractive returns, including record-setting metrics of book value per share of $22.15, tangible book value per share of $14.87, which is $1.72 per share increase year-over-year for a 13% increase, by the way, CET1 at 16.7%, leverage of 14.3% and and Tier 1 capital of 16.7%.Source: earnings call transcript | 16.4%Capital levels remain extremely strong with common equity Tier 1 capital ending at 16.4% and total risk-based capital at 19%.Source: earnings call transcript | 16.7%Capital levels remain extremely strong with common equity Tier 1 capital ending at 16.7% and total risk-based capital at 19.4% and reserve to total loans of 1.93%.Source: earnings call transcript | +0.3 pt |
| Return on tangible common equity (ROTCE) | 16.56%As Johnny mentioned, the first quarter of 2026 was a good start to the year with $118.2 million in net income a 2.09% return on assets and 16.56% return on tangible common equity.Source: earnings call transcript | — | 16.54%Performance metrics are again top tier with a 2.11% return on assets at a 16.54% return on tangible common equity, which is on a TCE ratio of 13.48%.Source: earnings call transcript | — |
| Net interest margin | 4.51%The reported net interest margin was 4.51%, down 10 basis points from Q4 and as there was 0 event income in Q1 and up 7 basis points from the same period a year ago.Source: earnings call transcript | 4.51%The reported net interest margin was 4.51% in line with Q1, all while adding $1.5 billion in loans and deposits from Tennessee.Source: earnings call transcript | 4.53%The reported net interest margin was 4.53%, an increase of 2 basis points from Q2.Source: earnings call transcript | 0 pt |
| Net interest margin Core | 4.51%The core margin, having no event income was 4.51% versus 4.56% in Q4.Source: earnings call transcript | 4.47%The core margin, excluding event income, was 4.47% and in line with where we guided to on the call in April.Source: earnings call transcript | 4.5%The core margin, excluding event income, was 4.50%, up 3 basis points from the prior quarter, and up 4 basis points year-over-year.Source: earnings call transcript | 0 pt |
Operating figures the company stated on at least two of the calls shown, checked against each call's transcript. Click a figure to read the sentence. A dash means it was not stated that quarter.
Inve summary of the company's earnings call; see how call summaries are prepared. Not investment advice.