Home BancShares 10-Q: Q3 EPS $0.65, Non-Performing Loans Jump to 1.19% of Total
HOMB sits 18% above its 52-week low of $25.5 on light trading volume (0.1× avg).
Summary
Home BancShares' Q3 10-Q confirms $129.5 million net income ($0.65 EPS) but shows non-performing loans at 1.19% of the portfolio, up from 0.54% at year-end; an $80.7 million post-quarter collateral recovery on the largest problem credit cuts it to about $11.4 million.
Key Events · Earnings and Guidance · HOMB
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Q3 Earnings Confirmed at $0.65
Net income came in at $129.5 million, or $0.65 per diluted share, versus $123.6 million ($0.63) a year earlier; nine-month net income was $367.0 million ($1.84).
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Non-Performing Loans More Than Double
Non-performing loans reached $200.8 million, or 1.19% of total loans, up from $85.0 million (0.54%) at December 31, 2025; allowance coverage fell to 162.45% from 350.17%.
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$80.7M Collateral Recovery Post-Quarter
On November 5, 2026, the company received $80.7 million from a borrower's collateral sale on its $92.1 million Texas non-performing relationship, leaving about $11.4 million outstanding and still non-performing.
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Buyback Authorization Restored to 20M Shares
The board increased the repurchase authorization to 20,000,000 shares on October 16, 2026; 3,307,622 shares were repurchased in the first nine months at a weighted-average $28.28.
Analysis · HOMB · Finance
The headline numbers were already out on October 14, but the full 10-Q fills in the credit picture that matters most right now. Non-performing loans have more than doubled this year, reaching $200.8 million, or 1.19% of total loans, from $85.0 million (0.54%) at year-end 2025, while the allowance now covers only 162.45% of them versus 350.17% before. Most of that is one Texas relationship, and on November 5 the company disclosed it had collected $80.7 million from a collateral sale, cutting that loan to about $11.4 million — a real cash recovery that de-risks the story. Against that, capital remains strong (CET1 16.69%), and the board restored the buyback authorization to 20 million shares on October 16.
How filings like this one have moved
In the 30 days to Nov 6, 2026, 35.1% of the 2636 measured filings Wiseek scored 7 moved their stock by 5% or more by the next session's close. The median move was 0.00%. These are measured outcomes after filings of this importance, not a forecast for this one.
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At the time of this filing, HOMB was trading at $29.98 on NYSE in the Finance sector, with a market capitalization of approximately $6B. The 52-week trading range was $25.50 to $31.70. This filing was assessed with neutral market sentiment and an importance score of 7 out of 10.