Record Revenue and Successful Mountain Commerce Bancorp Acquisition Drive Strong Second Quarter Results for HOMB

Home BancShares, Inc. (NYSE: HOMB) (“Home” or the “Company”), parent company of Centennial Bank, released quarterly earnings today.

Metric Q2 2026 Q1 2026 Q4 2025 Q3 2025 Q2 2025

Net income $119.3 million $118.2 million $118.2 million $123.6 million $118.4 million

Net income, as adjusted (non-GAAP) (1) $128.1 million $118.2 million $117.9 million $119.7 million $114.6 million

Total revenue (net) $295.1 million $266.7 million $282.1 million $277.7 million $271.0 million

Income before income taxes $154.4 million $152.2 million $153.3 million $159.3 million $152.0 million

Pre-tax, pre-provision, net income (PPNR) (non-GAAP) (1) $159.6 million $152.7 million $167.7 million $162.8 million $155.0 million

PPNR, as adjusted (non-GAAP) (1) $171.2 million $152.7 million $167.1 million $157.7 million $150.4 million

Pre-tax net income to total revenue (net) 52.32% 57.08% 54.35% 57.38% 56.08%

Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP) (1) 56.27% 57.06% 54.14% 55.53% 54.39%

P5 NR (Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP) (1) 54.08% 57.27% 59.46% 58.64% 57.19%

P5 NR , as adjusted (non-GAAP) (1) 58.03% 57.25% 59.25% 56.80% 55.49%

ROA 1.95% 2.09% 2.06% 2.17% 2.08%

ROA, as adjusted (non-GAAP) (1) 2.09% 2.09% 2.05% 2.10% 2.02%

NIM 4.51% 4.51% 4.61% 4.56% 4.44%

Purchase accounting accretion $3.6 million $1.1 million $1.3 million $1.3 million $1.2 million

ROE 10.55% 11.09% 11.04% 11.91% 11.77%

ROE, as adjusted (non-GAAP) (1) 11.32% 11.08% 11.01% 11.54% 11.39%

ROTCE (non-GAAP) (1) 15.67% 16.56% 16.65% 18.28% 18.26%

ROTCE, as adjusted (non-GAAP) (1) 16.82% 16.55% 16.60% 17.70% 17.68%

Diluted earnings per share $0.59 $0.60 $0.60 $0.63 $0.60

Diluted earnings per share, as adjusted (non-GAAP) (1) $0.64 $0.60 $0.60 $0.61 $0.58

Non-performing assets to total assets 0.93% 0.97% 0.55% 0.56% 0.60%

Common equity tier 1 capital 16.4% 16.7% 16.3% 16.1% 15.6%

Leverage 14.0% 14.3% 14.1% 13.8% 13.4%

Tier 1 capital 16.4% 16.7% 16.3% 16.1% 15.6%

Total risk-based capital 19.0% 19.5% 19.1% 18.9% 19.3%

Allowance for credit losses to total loans 1.92% 1.90% 1.90% 1.87% 1.86%

Book value per share $22.68 $22.15 $21.88 $21.41 $20.71

Tangible book value per share (non-GAAP) (1) $15.32 $14.87 $14.60 $14.13 $13.44

Dividends per share $0.21 $0.21 $0.21 $0.20 $0.20

Shareholder buyback yield (2) 0.77% 0.25% 0.27% 0.18% 0.49%

(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release. (2) Calculation of this metric is included in the schedules accompanying this release.

“Home BancShares delivered another quarter of strong profitability and balance sheet expansion in the second quarter. Highlights include a record PPNR, as adjusted, of $171.2 million, a record total net revenue of $295.1 million, smart loan growth, increase to book value and maintaining a stable margin, while returning capital through meaningful share repurchases and adjusted EPS of $0.64,” said John Allison, Chairman. “Our legacy franchise produced loan growth during the quarter, while Mountain Commerce contributed meaningful deposit growth almost immediately following the acquisition—demonstrating exactly why we pursued the transaction. Even after absorbing approximately $12.7 million of merger-related expenses, we generated record adjusted earnings of $128.1 million, maintained a strong net interest margin of 4.51%, and continued to grow tangible book value per share. We believe these results underscore both the strength of our existing markets and the value of disciplined acquisitions that enhance our franchise,” continued Allison.