Filing Flows › Financials › Home Bancshares (HOMB)
Home Bancshares (HOMB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · Home Bancshares (HOMB) Q3 2026 earnings results →
Q3 2026 Revenue up 4% year over year to $288M · 45¢ of every $1 of revenue kept as net profit · operating margin 57.9%
Home Bancshares made $288M in Q3 2026 (+4% Y/Y): Net interest income $242M, Noninterest income $46.4M. Operating margin 57.9%, net earnings $129M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $288.4M in Q3 2026, up 4% year over year and down 2% from the previous quarter. Net interest income was the largest line at 84% of revenue. Net interest income added $15.8M year over year (up 7%), 147% of the total change. Noninterest income declined 10%.
Operating profit was $166.9M, a 57.9% margin (up 0.5 points year over year). Of the extra revenue versus a year earlier, 70% reached operating profit, above the 57% margin then. Total costs grew 3% against revenue growth of 4%. Net earnings were $129.5M, up 5% year over year. The effective tax rate was 22.4%.
Operating cash flow was $171.1M (up 49% year over year), 132% of net earnings. Non-cash charges added back $5.8M of depreciation and amortization and $3.4M of share-based compensation. Working capital and other items added $32.5M. Capital expenditures of $11.1M left free cash flow of $160.0M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $288M | +4% | 57.9% | $129M | $171M |
Charts
Interactive views
The same charts as the app — open one to draw it.
💵Where each $1 goesinteractive
Loading the interactive chart…
🌏Named in Asian annual reportsinteractive
Loading the interactive chart…
🔄Rotation against the market and its industry (RRG)interactive
Loading the interactive chart…
🔍Earnings qualityinteractive
Loading the interactive chart…
⚖️Fair value by methodinteractive
Loading the interactive chart…
🔭Outlook & guidanceinteractive
Loading the interactive chart…
📈Investments: gains and what it boughtinteractive
Loading the interactive chart…
🏭Its industry’s money flow (input-output)interactive
Loading the interactive chart…
About Home Bancshares
Home BancShares, Inc. (“Home BancShares,” “we,” “us,” “HBI” or the “Company”) is a Conway, Arkansas headquartered bank holding company registered under the federal Bank Holding Company Act of 1956. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.” We are primarily engaged in providing a broad range of commercial and retail banking and related financial services to businesses, real estate developers and investors, individuals and municipalities through our wholly owned community bank subsidiary – Centennial Bank. Centennial Bank has branch locations in Arkansas, Florida, Texas, South Alabama and New York City. Although the Company has a diversified loan portfolio, at December 31, 2025 and 2024, commercial real estate loans represented 53.2% and 57.6% of gross loans and 194.3% and 214.6% of total stockholders’ equity, respectively.
In its own words, from its 10-K, filed Feb 27, 2026.
Home Bancshares against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +4% against the peers' median +10%. Operating margin: 57.9% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| HOMB Home Bancshares | Q3 2026 | $288M | +4% | 57.9% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: Home Bancshares 10-Q on SEC EDGAR · CIK 1331520 · State Commercial Banks
Guidance and outlook
13F: who owns HOMB and who is buying
More on HOMB
History
Every quarter: Q3 2026 results