Short answer
HOME BANCSHARES INC (HOMB) filed its fiscal 2025 10-K annual report with the SEC on Feb 27, 2026. It reported revenue of $1.3B (−1.6% year over year) and net income of $475M.
- Top risk flagged: 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
FY2025 key financial metrics · XBRL
- Revenue
- $1.3B
- −1.6% YoY
- Net income
- $475M
- +18.2% YoY
- EPS (diluted)
- $2.41
- +19.9% YoY
- ROE
- 11.1%
- +0.9 pp YoY
- Operating cash flow
- $399M
- −13.3% YoY
Source: XBRL data from the HOME BANCSHARES INC (HOMB) FY2025 10-K on SEC EDGAR. USD.
HOME BANCSHARES INC FY2025 10-K analysis
AI summary of each section, grounded in the filing text
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
- Loan portfolio composition shift: Commercial real estate loans down to 53.2% of gross loans from 57.6% in prior year
- Total assets $22.88B and net income $475.4M in 2025, both increase from 2024; completed $962.5M acquisition of Happy Bancshares in 2022
- Noteworthy growth by integration of a $242.2M yacht loan portfolio from LendingClub into marine-focused lending division
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%
- Best segment: Loan portfolio grew $921.7M in 2025 with organic growth in legacy and CFG units; worst: subordinated debentures down $160M
- Capital allocation: Dividends $158.9M, share repurchases $81.4M, capex not specified; paid off $140M subordinated notes and repurchased $20M
- Outlook: Management notes risks from credit loss uncertainties and potential variability in future earnings; paying down debt accretive to margin
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
- Real estate loan concentration at 74.1% of total loans, including 35.8% commercial and 17.4% construction loans, exacerbating credit risk from declining property values
- Competitive pressure from non-bank financial service providers enabled by regulatory changes restricting bank operations and lending practices
- Key-person risk from heavy reliance on Chairman John W. Allison and senior executives for management and local market relationships
Generated from the filing text; verify against the original. How to read a 10-K
Ask about this 10-K
Compare years, dig into a risk factor or check the numbers against insider trades and fund holders.