Home BancShares (HOMB) posted a company-record net income of $129.5 million in Q3 2026, with diluted EPS of $0.65, helped by strong net interest income and lower credit loss expense. Net interest margin rose to 4.53%, and the company repurchased 1.3 million shares for about $39.3 million. Total loans fell to $16.91 billion and deposits dropped to $18.76 billion as municipal and wholesale balances declined; management said it will keep conservative underwriting and prioritize profitability over aggressive growth as deposit competition intensifies. The company's cash dividend rose to $0.23 per share, up 9.5% from the prior quarter, and a large legacy Texas nonperforming credit is being resolved through a two-piece asset sale expected to bring about a $10 million recovery.
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