HOME BANCSHARES INC (HOMB) FY2025 10-K Annual Report
HOME BANCSHARES INC (HOMB) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 27, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
HOME BANCSHARES INC FY2025 10-K Analysis
Business Overview
- • Core business model: Community-focused commercial and retail banking via Centennial Bank across multiple southern U.S. states and NYC
- • Strategic emphasis on Tennessee expansion via 2026 acquisition of Mountain Commerce Bancorp, adding new Tennessee market entry
Management Discussion & Analysis
- • Revenue driving net income $475.4M in 2025, up 18.2% from $402.2M in 2024; diluted EPS $2.41 vs $2.01
- • Operating margin improved: net interest margin 4.51% in 2025 vs 4.27% in 2024; efficiency ratio 40.88% vs 42.74%
Risk Factors
- • Dodd-Frank Act regulation impact as assets exceed $10B, including FDIC deposit assessments up to 42 basis points and capped debit card interchange fees at $0.21 plus 5 bps
- • Geographic concentration with 79.3% of loans and 83.6% of real estate loans tied to Arkansas, Florida, Texas, Alabama, New York markets
HOME BANCSHARES INC FY2025 Key Financial MetricsXBRL
Revenue
$1.3B
▼ -1.6% YoY
Net Income
$475M
▲ +18.2% YoY
Net Margin
37.2%
▲ +623bp YoY
ROE
11.1%
▲ +91bp YoY
Total Assets
$22.9B
▲ +1.7% YoY
EPS (Diluted)
$2.41
▲ +19.9% YoY
Operating Cash Flow
$399M
▼ -13.3% YoY
Source: XBRL data from HOME BANCSHARES INC FY2025 10-K filing on SEC EDGAR. All figures in USD.
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