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Home BancShares HOMB Recovery of credit losses on unfunded commitments

Recovery of credit losses on unfunded commitments at other companies

TFS Financial logo
TFS FinancialTFSL
$0
PNC Financial Services logo
PNC Financial ServicesPNC
$14M+130%
Popular logo
PopularBPOP
$0
Popular logo
PopularBPOP
$0
Royalty Pharma logo
Royalty PharmaRPRX
-$3.7M
Granite Point Mortgage Trust logo
Granite Point Mortgage TrustGPMT
$300K+235%

Other financials

Income statement

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Revenue$266.7M+2.5%
Net income$118.2M+2.6%
EPS (diluted)$0.60+3.4%

Balance sheet

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Cash & equivalents$1.1B-14.2%
Total debt$32.7M-29.6%
Total equity$4.3B+7.6%
Total assets$23.2B+0.9%

Cash flow

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Operating cash flow$150.8M+28.9%
CapEx$11.6M+68.2%
Free cash flow$139.3M+26.4%

Valuation

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Market cap$5.57B-5.7%
Enterprise value$4.49B-3.4%
P/E11.6×-2.5×
P/S5.1×-0.7×

Profitability

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Net margin43.6%+3.1pp
FCF margin37%-0.5pp

Returns & leverage

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Return on equity11.4%+0.8pp
Debt / equity0.0×

Where this comes from

Reported directly by Home BancShares in its filing.

Tagged under the XBRL concept homb:ProvisionForRecoveryOfLoanLossesExpensedOnUnfundedCommitments.

The official record: Home BancShares’s 10-K, filed February 27, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Home BancShares's recovery of credit losses on unfunded commitments?
Home BancShares (HOMB) reported recovery of credit losses on unfunded commitments of -$250K in Q4 2025.
What is the long-term trend for Home BancShares's recovery of credit losses on unfunded commitments?
Over 2 years (2023 to 2025), Home BancShares's recovery of credit losses on unfunded commitments has grown at a -18.4% compound annual growth rate (CAGR), from -$1.5M to -$1M.
What does recovery of credit losses on unfunded commitments mean?
This represents a reversal of previously recorded provisions for credit losses related to off-balance sheet commitments, such as unused lines of credit. A recovery occurs when the estimated risk of loss on these commitments decreases, leading to a positive impact on the income statement. It reflects changes in the bank's assessment of credit risk within its unfunded portfolio.