HOMB — what changed in the latest 10-Q
A section-by-section comparison of HOMB's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-05-05 vs the prior 10-Q · 2025-11-04
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +87 | −116 | ~55 | 57 |
| Market risk (Item 3) | Text added/removed | +1 | −1 | ~8 | 8 |
| Controls & procedures | Text added/removed | 0 | 0 | ~1 | 1 |
| Legal proceedings | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Risk factors | No material changes reported (points to the 10-K) | — | — | — | — |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-05-05
Results of Operations for the Three Months Ended March 31, 2026 and 2025
Our net income increased $3.0 million, or 2.6%, to $118.2 million for the three-month period ended March 31, 2026, from $115.2 million for the same period in 2025. On a diluted earnings per share basis, our earnings were $0.60 per share for the three-month period ended March 31, 2026 compared to $0.…
Total interest expense decreased $10.8 million, or 11.0%. This was partially offset by a $2.6 million, or 5.8%, decrease in non-interest income, a $1.5 million, or 0.5%, decrease in total interest income and a $1.0 million, or 0.9%, increase in non-interest expense. The decrease in interest expense …
Our net interest margin increased from 4.44% for the three-month period ended March 31, 2025 to 4.51% for the three-month period ended March 31, 2026. The yield on interest earning assets decreased from 6.45% for the three-months ended March 31, 2025 to 6.25% for the three-months ended March 31, 202…
Our efficiency ratio was 41.59% for the three months ended March 31, 2026, compared to 42.22% for the same period in 2025. For the first quarter of 2026, our efficiency ratio, as adjusted (non-GAAP), was 41.99%, compared to 42.84% reported for the first quarter of 2025. (See Table 29 for the non-GAA…
Text removed vs the prior filing · source: 10-Q · 2025-11-04
As of or for the Three Months Ended September 30,As of or for the Nine Months Ended September 30,
Results of Operations for the Three Months Ended September 30, 2025 and 2024
Our net income increased $23.6 million, or 23.6%, to $123.6 million for the three-month period ended September 30, 2025, from $100.0 million for the same period in 2024. On a diluted earnings per share basis, our earnings were $0.63 per share for the three-month period ended September 30, 2025 compa…
Total interest expense decreased $20.3 million, or 17.2%, and non-interest income increased $8.7 million, or 20.4%. This was partially offset by a $9.3 million, or 2.8%, decrease in total interest income and a $4.8 million, or 4.4%, increase in non-interest expense. The decrease in interest expense …
Our net interest margin increased from 4.28% for the three-month period ended September 30, 2024 to 4.56% for the three-month period ended September 30, 2025. The yield on interest earning assets decreased from 6.60% for the three-months ended September 30, 2025 to 6.49% for the three-months ended S…
Market risk (Item 3)
Text added vs the prior filing · source: 10-Q · 2026-05-05
There have been no material changes in our market risk exposure from March 31, 2025 to March 31, 2026. Our balance sheet mix has remained consistent. The target rate changes by the Federal Reserve have impacted our earnings, but our net interest income exposure is still within our current guidelines…
Text removed vs the prior filing · source: 10-Q · 2025-11-04
There have been no material changes in our market risk exposure from September 30, 2024 to September 30, 2025. Our balance sheet mix has remained consistent. The target rate changes by the Federal Reserve have impacted our earnings, but our net interest income exposure is still within our current gu…
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice