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How Home Bancshares (HOMB) makes money

Home Bancshares (HOMB) made $288M of revenue in the third quarter 2026 (Q3 2026), +4% from a year earlier. Net interest income brought in $242M (84%); Noninterest income brought in $46.4M (16%). Of every dollar of revenue, 58¢ was left as operating profit, 45¢ was left as net earnings.

Drawing the Sankey…

Home Bancshares revenue by segment, Q3 2026Home Bancshares revenue by segment, Q3 2026Net interest income$242MNoninterest income$46.4M
Home Bancshares: where each dollar of revenue goesHome Bancshares: where each dollar of revenue goesOperating profit58¢Income tax13¢Net earnings45¢Operating cash flow59¢Free cash flow55¢

Revenue by segment, Q3 2026

SegmentRevenueShareQ/QY/Y
Net interest income$242M83.9%+0.1%+7%
Noninterest income$46.4M16.1%-13%-10%

Where each dollar of revenue goes

LineQ3 2026% of revenue
Revenue$288M100.0%
Operating profit$167M57.9%
Income tax$37.5M13.0%
Net earnings$129M44.9%
Operating cash flow$171M59.3%
Free cash flow$160M55.5%

Revenue, quarter by quarter

QuarterRevenueY/Y
Q3 2026$288M+4%

From Home Bancshares' 10-Q filed Nov 6, 2026 (on EDGAR).

Questions

How does Home Bancshares make money?

Home Bancshares (HOMB) made $288M of revenue in the third quarter 2026 (Q3 2026), +4% from a year earlier. Net interest income brought in $242M (84%); Noninterest income brought in $46.4M (16%). Of every dollar of revenue, 58¢ was left as operating profit, 45¢ was left as net earnings.

What is Home Bancshares' biggest business?

Net interest income: $242M in the third quarter 2026, 84% of revenue, +7% from a year earlier.

What is Home Bancshares' profit margin?

Net earnings were $129M, 44.9% of revenue, in the third quarter 2026; the operating margin was 57.9%.

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Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.