HOMB Q3 FY26 earnings call: key takeaways

• HOMB reported EPS of $0.65, beating the $0.64 consensus (7:59)

Results vs expectations

EPS basis: Adjusted EPS, provider (EODHD); matches the company press release

The stock moved +2.1% over the report window (S&P 500 ETF +0.3%). Earnings history

What changed since last quarter

• The company raised its focus on loan growth and mentioned optimism for the fourth quarter, citing improved market conditions. (19:35)
• The CFO noted that deposit costs declined, which helped support net interest margin. (9:43)
• The company confirmed progress on resolving a large non-performing loan, with expected recoveries in the near term. (7:59)

What analysts pressed on

• Whether deposit pricing will need to increase as the Fed continues to hike rates. (49:07)
• Concerns about the impact of rising rates on loan growth and the ability to maintain margin expansion. (18:35)
• Questions about the stability of asset quality and potential risks in specific credit segments. (41:30)

In their words

• We're on the path for that. For the first nine months of 26, we produced 380 million adjusted earnings... Donna Townsall (0:57)
• We built this balance sheet to perform through different economic and interest rate environments... (6:01)
• We will stay the course as we have in the past. (6:01)
• We're proud of the third quarter results here at home and look forward to another record year... (13:29)