Compared to Estimates, Home BancShares (HOMB) Q4 Earnings: A Look at Key Metrics

Home BancShares (HOMB) reported $282.09 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 9.2%. EPS of $0.60 for the same period compares to $0.50 a year ago.The reported revenue compares to the Zacks Consensus Estimate of $270.2 million, representing a surprise of +4.4%. The company has not delivered EPS surprise, with the consensus EPS estimate being $0.60.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.Here is how Home BancShares performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:Net Interest Margin (FTE): 4.6% versus 4.5% estimated by three analysts on average.Efficiency Ratio: 39.5% versus the three-analyst average estimate of 41.6%.Total non-performing loans: $84.98 million versus the two-analyst average estimate of $78.32 million.Average Balance - Total interest-earning assets: $20.13 billion compared to the $20.02 billion average estimate based on two analysts.Total non-performing assets: $124.81 million compared to the $120.45 million average estimate based on two analysts.Net charge-offs (recoveries) to average total loans: 0.1% versus 0.1% estimated by two analysts on average.Net Interest Income: $231.59 million compared to the $225.19 million average estimate based on three analysts.Total Non-Interest Income: $50.5 million versus the three-analyst average estimate of $44.99 million.Net Interest Income (FTE): $233.84 million versus $224.76 million estimated by two analysts on average.View all Key Company Metrics for Home BancShares here>>>Shares of Home BancShares have returned -2.2% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Just Released: Zacks Top 10 Stocks for 2026Hurry – you can still get in early on our 10 top tickers for 2026. Handpicked by Zacks Director of Research Sheraz Mian, this portfolio has been stunningly and consistently successful.From inception in 2012 through November, 2025, the Zacks Top 10 Stocks gained +2,530.8%, more than QUADRUPLING the S&P 500’s +570.3%.Sheraz has combed through 4,400 companies covered by the Zacks Rank and handpicked the best 10 to buy and hold in 2026. You can still be among the first to see these just-released stocks with enormous potential.See New Top 10 Stocks >>Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report Home BancShares, Inc. (HOMB): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks