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Home BancShares HOMB Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

UBS
United BanksharesUBSI
$3.13M-13.4%
Northwest Bancshares logo
Northwest BancsharesNWBI
$2.01M+41.7%
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$787K+122%
First Mid Bancshares, Inc. logo
First Mid Bancshares, Inc.FMBH
$1.54M+28.0%
HBT
HBT Financial, Inc.HBT
$206K+23.4%
Midland States Bancorp logo
Midland States BancorpMSBI
$2.08M-11.1%

Other financials

Income statement

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Revenue$295.1M+8.9%
Net income$119.3M+0.8%
EPS (diluted)$0.59-1.7%

Balance sheet

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Cash & equivalents$1.1B-4.4%
Total debt$32.8M-26.5%
Total equity$4.5B+11.3%
Total assets$24.7B+7.9%

Cash flow

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Operating cash flow$97.4M+24.3%
CapEx$3.3M-58.6%
Free cash flow$94.1M+33.7%

Valuation

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Market cap$6.18B+13.2%
Enterprise value$5.16B+17.2%
P/E12.9×+0.3×
P/S5.5×+0.3×

Profitability

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Net margin42.7%+1.3pp
FCF margin38.3%+4.2pp

Returns & leverage

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Return on equity11.1%+0.2pp
Debt / equity0.0×

Where this comes from

Reported directly by Home BancShares in its filing.

Tagged under the XBRL concept us-gaap:BankOwnedLifeInsuranceIncome.

The source filing: Home BancShares’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 12:12 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001331520-26-000112
(In thousands, except per share data)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Trust fees6,1095,23411,5919,994
Mortgage lending income5,1394,7809,5698,379
Insurance commissions5785891,1141,124
Increase in cash value of life insurance1,5531,4152,9213,257
Dividends from FHLB, FRB, FNBB & other2,8412,6575,3775,375
Gain on sale of SBA loans80288
Gain (loss) on sale of branches, equipment and other assets, net3972(4)809
Gain (loss) on OREO, net332131,039(363)

Item 1: Financial Statements

FAQ

What is Home BancShares's bank owned life insurance income?
Home BancShares (HOMB) reported bank owned life insurance income of $1.55M in Q2 2026.
How has Home BancShares's bank owned life insurance income changed year-over-year?
Home BancShares's bank owned life insurance income increased by 9.8% year-over-year, from $1.42M to $1.55M.
What is the long-term trend for Home BancShares's bank owned life insurance income?
Over 4 years (2021 to 2025), Home BancShares's bank owned life insurance income has grown at a 31.1% compound annual growth rate (CAGR), from $2.05M to $6.06M.
What does bank owned life insurance income mean?
Income recognized from the increase in cash surrender value of life insurance policies held on the lives of key employees or officers. This represents a tax-advantaged investment strategy used by financial institutions to offset benefit costs.

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