Home Bancshares (NYSE:HOMB) Surprises With Q4 CY2025 Sales

Regional banking company Home Bancshares will be reporting earnings this Wednesday after the bell. Here’s what to look for.

Home Bancshares beat analysts’ revenue expectations by 1.6% last quarter, reporting revenues of $275.5 million, up 6.3% year on year. It was a mixed quarter for the company, with a solid beat of analysts’ tangible book value per share estimates but a narrow beat of analysts’ EPS estimates.

Is Home Bancshares a buy or sell going into earnings? Read our full analysis here, it’s free for active Edge members.

This quarter, analysts are expecting Home Bancshares’s revenue to grow 4.5% year on year to $274 million, slowing from the 8.8% increase it recorded in the same quarter last year. Adjusted earnings are expected to come in at $0.60 per share.

Analysts covering the company have generally reconfirmed their estimates over the last 30 days, suggesting they anticipate the business to stay the course heading into earnings. Home Bancshares has missed Wall Street’s revenue estimates twice over the last two years.

With Home Bancshares being the first among its peers to report earnings this season, we don’t have anywhere else to look to get a hint at how this quarter will unravel for banks stocks. However, investors in the segment have had steady hands going into earnings, with share prices flat over the last month. Home Bancshares is down 1.6% during the same time and is heading into earnings with an average analyst price target of $33.13 (compared to the current share price of $28.29).

Looking back on regional banks stocks’ Q3 earnings, we examine this quarter’s best and worst performers, including Camden National Bank and its peers.

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 101 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%.

Thankfully, share prices of the companies have been resilient as they are up 6.2% on average since the latest earnings results.

Camden National Bank

Rooted in Maine's coastal communities since 1875, Camden National is a regional bank holding company that provides banking, wealth management, and financial services to consumers and businesses throughout Maine and New Hampshire.

Camden National Bank reported revenues of $65.74 million, up 45.6% year on year. This print exceeded analysts’ expectations by 4.6%. Overall, it was a very strong quarter for the company with an impressive beat of analysts’ revenue estimates and a solid beat of analysts’ net interest income estimates.

Interestingly, the stock is up 15.8% since reporting and currently trades at $43.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $231.8 million, up 38.3% year on year, outperforming analysts’ expectations by 6.9%. The business had a stunning quarter with an impressive beat of analysts’ net interest income estimates and a solid beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 13.7% since reporting. It currently trades at $74.50.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.7 million, up 38.8% year on year, falling short of analysts’ expectations by 9.9%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates.

The Bancorp delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 12.4% since the results and currently trades at $67.65.

Read our full analysis of The Bancorp’s results here.

Butterfield Bank

Founded in 1784 as one of the oldest banks in the Western Hemisphere, Butterfield Bank provides banking, wealth management, and trust services to individuals and businesses in select offshore financial centers including Bermuda, Cayman Islands, and the Channel Islands.

Butterfield Bank reported revenues of $153.9 million, up 6.8% year on year. This number topped analysts’ expectations by 3.9%. It was a very strong quarter as it also logged an impressive beat of analysts’ revenue estimates and a beat of analysts’ EPS estimates.

The stock is up 18.3% since reporting and currently trades at $49.68.

Read our full, actionable report on Butterfield Bank here, it’s free for active Edge members.

Home Bancshares

Founded in Conway, Arkansas in 1998 and growing through strategic acquisitions across the Southeast, Home Bancshares operates as the bank holding company for Centennial Bank, providing commercial and retail banking services to businesses and individuals across multiple states.

Home Bancshares reported revenues of $275.5 million, up 6.3% year on year. This result surpassed analysts’ expectations by 1.6%. Aside from that, it was a mixed quarter as it also logged a solid beat of analysts’ tangible book value per share estimates but a narrow beat of analysts’ EPS estimates.

The stock is up 1.7% since reporting and currently trades at $27.92.

Read our full, actionable report on Home Bancshares here, it’s free for active Edge members.

Quarterly earnings results are a good time to check in on a company’s progress, especially compared to its peers in the same sector. Today we are looking at Hope Bancorp and the best and worst performers in the regional banks industry.

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 98 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%.

Luckily, regional banks stocks have performed well with share prices up 10% on average since the latest earnings results.

Hope Bancorp

With roots in serving Korean-American communities and now expanded to a multi-ethnic clientele across 12 states, Hope Bancorp operates Bank of Hope, providing commercial and retail banking services with a focus on serving multi-ethnic communities across the United States.

Hope Bancorp reported revenues of $141.3 million, up 21.2% year on year. This print exceeded analysts’ expectations by 2.4%. Despite the top-line beat, it was still a mixed quarter for the company with an impressive beat of analysts’ revenue estimates but EPS in line with analysts’ estimates.

Interestingly, the stock is up 8.4% since reporting and currently trades at $11.58.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $231.8 million, up 38.3% year on year, outperforming analysts’ expectations by 6.9%. The business had a stunning quarter with an impressive beat of analysts’ net interest income estimates and a solid beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 18.9% since reporting. It currently trades at $77.96.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.7 million, up 38.8% year on year, falling short of analysts’ expectations by 9.9%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue and net interest income estimates.

The Bancorp delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 9.2% since the results and currently trades at $70.13.

Read our full analysis of The Bancorp’s results here.

OFG Bancorp

Originally founded in 1964 as a federal savings and loan institution, OFG Bancorp provides banking and financial services including commercial and consumer lending, wealth management, insurance, and trust services primarily in Puerto Rico and the U.S. Virgin Islands.

OFG Bancorp reported revenues of $184 million, up 5.6% year on year. This result came in 1.6% below analysts' expectations. Overall, it was a slower quarter as it also recorded a miss of analysts’ revenue estimates and a miss of analysts’ EPS estimates.

The stock is up 1.8% since reporting and currently trades at $42.94.

Read our full, actionable report on OFG Bancorp here, it’s free for active Edge members.

Home Bancshares

Founded in Conway, Arkansas in 1998 and growing through strategic acquisitions across the Southeast, Home Bancshares operates as the bank holding company for Centennial Bank, providing commercial and retail banking services to businesses and individuals across multiple states.

Home Bancshares reported revenues of $275.5 million, up 6.3% year on year. This print surpassed analysts’ expectations by 1.6%. More broadly, it was a mixed quarter as it also logged a solid beat of analysts’ tangible book value per share estimates but a narrow beat of analysts’ EPS estimates.

The stock is up 4.5% since reporting and currently trades at $28.70.

Read our full, actionable report on Home Bancshares here, it’s free for active Edge members.

As the Q3 earnings season comes to a close, it’s time to take stock of this quarter’s best and worst performers in the regional banks industry, including City Holding and its peers.

Regional banks, financial institutions operating within specific geographic areas, serve as intermediaries between local depositors and borrowers. They benefit from rising interest rates that improve net interest margins (the difference between loan yields and deposit costs), digital transformation reducing operational expenses, and local economic growth driving loan demand. However, these banks face headwinds from fintech competition, deposit outflows to higher-yielding alternatives, credit deterioration (increasing loan defaults) during economic slowdowns, and regulatory compliance costs. Recent concerns about regional bank stability following high-profile failures and significant commercial real estate exposure present additional challenges.

The 94 regional banks stocks we track reported a satisfactory Q3. As a group, revenues beat analysts’ consensus estimates by 1.3%.

Thankfully, share prices of the companies have been resilient as they are up 9.4% on average since the latest earnings results.

City Holding

With roots dating back to 1957 and a strategic presence along the I-64 and I-81 corridors, City Holding (NASDAQGS:CHCO) operates as a financial holding company providing banking, trust, and investment services through its subsidiary City National Bank across West Virginia, Kentucky, Virginia, and Ohio.

City Holding reported revenues of $81.29 million, up 7.2% year on year. This print exceeded analysts’ expectations by 1.9%. Overall, it was a very strong quarter for the company with a solid beat of analysts’ tangible book value per share estimates and a beat of analysts’ EPS estimates.

Interestingly, the stock is up 4.4% since reporting and currently trades at $125.69.

Is now the time to buy City Holding? Access our full analysis of the earnings results here, it’s free for active Edge members.

Best Q3: Customers Bancorp

Originally founded with a "high-tech, high-touch" branch-light banking strategy, Customers Bancorp is a bank holding company that provides commercial and consumer banking services through its Customers Bank subsidiary, with a focus on business lending and digital banking.

Customers Bancorp reported revenues of $231.8 million, up 38.3% year on year, outperforming analysts’ expectations by 6.9%. The business had a stunning quarter with an impressive beat of analysts’ net interest income estimates and a solid beat of analysts’ revenue estimates.

The market seems happy with the results as the stock is up 9.4% since reporting. It currently trades at $71.74.

Is now the time to buy Customers Bancorp? Access our full analysis of the earnings results here, it’s free for active Edge members.

Weakest Q3: The Bancorp

Operating behind the scenes of many popular fintech apps and prepaid cards you might use daily, The Bancorp is a bank holding company that specializes in providing banking services to fintech companies and offering specialty lending products.

The Bancorp reported revenues of $174.7 million, up 38.8% year on year, falling short of analysts’ expectations by 9.9%. It was a disappointing quarter as it posted a significant miss of analysts’ revenue estimates and a significant miss of analysts’ net interest income estimates.

The Bancorp delivered the weakest performance against analyst estimates in the group. As expected, the stock is down 10.3% since the results and currently trades at $69.28.

Read our full analysis of The Bancorp’s results here.

Stellar Bancorp

Created through strategic mergers to serve the growing Texas business community, Stellar Bancorp is a Texas bank holding company that provides commercial banking services primarily to small and medium-sized businesses and professionals.

Stellar Bancorp reported revenues of $105.7 million, down 2% year on year. This result was in line with analysts’ expectations. Aside from that, it was a mixed quarter as it also recorded a solid beat of analysts’ tangible book value per share estimates but EPS in line with analysts’ estimates.

The stock is up 9.2% since reporting and currently trades at $32.17.

Read our full, actionable report on Stellar Bancorp here, it’s free for active Edge members.

Home Bancshares

Founded in Conway, Arkansas in 1998 and growing through strategic acquisitions across the Southeast, Home Bancshares operates as the bank holding company for Centennial Bank, providing commercial and retail banking services to businesses and individuals across multiple states.

Home Bancshares reported revenues of $275.5 million, up 6.3% year on year. This number surpassed analysts’ expectations by 1.6%. Taking a step back, it was a mixed quarter as it also logged an impressive beat of analysts’ tangible book value per share estimates but a narrow beat of analysts’ EPS estimates.

The stock is up 4.1% since reporting and currently trades at $28.59.

Read our full, actionable report on Home Bancshares here, it’s free for active Edge members.