0001331520-22-000093.txt : 20221020 0001331520-22-000093.hdr.sgml : 20221020 20221020091248 ACCESSION NUMBER: 0001331520-22-000093 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 14 CONFORMED PERIOD OF REPORT: 20221020 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20221020 DATE AS OF CHANGE: 20221020 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HOME BANCSHARES INC CENTRAL INDEX KEY: 0001331520 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 710682831 STATE OF INCORPORATION: AR FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-41093 FILM NUMBER: 221320049 BUSINESS ADDRESS: STREET 1: 719 HARKRIDER CITY: CONWAY STATE: AR ZIP: 72032 BUSINESS PHONE: 501-339-2929 MAIL ADDRESS: STREET 1: 719 HARKRIDER CITY: CONWAY STATE: AR ZIP: 72032 8-K 1 homb-20221020.htm 8-K homb-20221020
0001331520false00013315202022-02-242022-02-24

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
_________________________________
FORM 8-K
_________________________________
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event reported): October 20, 2022
_________________________________
HOME BANCSHARES, INC.
(Exact name of Registrant as Specified in Its Charter)
_________________________________
Arkansas001-4109371-0682831
(State or Other Jurisdiction of Incorporation)(Commission File Number)(IRS Employer Identification No.)
719 Harkrider, Suite 100
Conway, Arkansas 72032
(Address of Principal Executive Offices) (Zip Code)
(501) 339-2929
(Registrant’s telephone number, including area code)
Not Applicable
(Former name or former address, if changed since last report)
_________________________________
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, par value $0.01 per shareHOMBNew York Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).
Emerging growth company ☐
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. o


Item 2.02    Results of Operations and Financial Condition.
Home BancShares, Inc. (the “Company”) hereby furnishes its October 20, 2022 press release announcing third quarter 2022 earnings, which is attached hereto as Exhibit 99.1 and incorporated herein by reference.
Item 7.01    Regulation FD Disclosure.
See Item 2.02. Results of Operations and Financial Condition.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits.
99.1
104Cover Page Interactive Data File (embedded within the Inline XBRL document)
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
Home BancShares, Inc.
Date:October 20, 2022By:/s/ Jennifer C. Floyd
Jennifer C. Floyd
Chief Accounting Officer

 EX-99.1 2 homb093022earningsrelease.htm EX-99.1 Document

EXHIBIT 99.1
gh5yczfedemt000001.jpg
For Immediate Release:October 20, 2022

HOMB Beats Analyst Expectations Despite Glooming Uncertainty and West Texas Headwinds
Conway, AR – Home BancShares, Inc. (NYSE: HOMB) (“Home” or the “Company”), parent company of Centennial Bank, released quarterly earnings today.
Highlights of the Third Quarter of 2022:
MetricQ3 2022Q2 2022Q1 2022Q4 2021Q3 2021
Net income
$108.7 million
$16.0 million
$64.9 million
$73.4 million
$75.0 million
Net income, as adjusted (non-GAAP)(1)
$109.9 million
$97.0 million
$61.6 million
$74.0 million
$74.3 million
Total revenue (net)
$256.3 million
$243.3 million
$161.8 million
$171.0 million
$173.8 million
Income before income taxes
$142.0 million
$19.3 million
$84.9 million
$93.9 million
$98.2 million
Pre-tax, pre-provision, net income (PPNR)
(non-GAAP)(1)
$142.0 million
$77.9 million
$84.9 million
$93.9 million
$98.2 million
PPNR, as adjusted (non-GAAP)(1)
$143.5 million
$126.7 million
$80.4 million
$94.7 million
$96.9 million
Pre-tax net income to total revenue (net)
55.39%
7.92%
52.48%54.94%56.50%
Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)
56.00%52.06%49.67%55.40%55.76%
P5NR (Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)
55.39%
32.00%
52.48%54.94%56.50%
P5NR, as adjusted (non-GAAP)(1)
56.00%52.06%49.67%55.40%55.76%
ROA
1.81%
0.26%
1.43%1.62%1.68%
ROA, as adjusted (non-GAAP)(1)
1.83%1.57%1.36%1.64%1.67%
NIM
4.05%
3.64%
3.21%3.42%3.60%
Purchase accounting accretion
$4.6 million
$5.2 million
$3.1 million
$4.0 million
$4.9 million
ROE
12.25%
1.78%
9.58%10.63%10.97%
ROE, as adjusted (non-GAAP)(1)
12.39%10.83%9.09%10.72%10.87%
ROTCE (non-GAAP)(1)
20.93%
2.96%
15.03%16.73%17.39%
ROTCE, as adjusted (non-GAAP)(1)
21.16%17.94%14.26%16.87%17.23%
Diluted earnings per share
$0.53
$0.08
$0.40$0.45$0.46
Diluted earnings per share, as adjusted
(non-GAAP)(1)
$0.54$0.47$0.37$0.45$0.45
Non-performing assets to total assets
0.27%
0.25%
0.25%0.29%0.29%
Common equity tier 1 capital13.0%12.8%14.9%15.4%15.1%
Leverage10.4%9.8%10.8%11.1%11.0%
Tier 1 capital13.0%12.9%15.5%16.0%15.7%
Total risk-based capital16.7%16.6%21.6%19.8%19.6%
Allowance for credit losses to total loans
2.09%
2.11%
2.34%2.41%2.41%
(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.

“Despite the distraction out of West Texas and changes in the economy, HOMB reported record net income for the quarter of $108.7 million along with record total net revenue of $256.3 million, and our net interest margin is back where we like it at 4.05%. We continue to keep the Company positioned to weather the storm, when and if it hits,” said John Allison, Chairman.



“While reviewing the results of the quarter, I circled eighteen different numbers on the final results page and many of the circles were some of the best numbers we have ever had. I want to thank our team for the outstanding effort that led to this great quarter. I also want to send a special thanks to the West Texas Happy team for fighting the battle with the competition the way they have,” said Tracy French, Centennial Bank President and Chief Executive Officer.

Operating Highlights
Net income for the three-month period ended September 30, 2022 was $108.7 million, or $0.53 earnings per share. Net income for the nine-month period ended September 30, 2022 was $189.6 million, or $0.99 earnings per share. When adjusting for merger related and other non-fundamental items, net income and earnings per share on an as-adjusted basis (non-GAAP), were $109.9 million(1), or $0.54 per share(1), and $268.4 million(1), or $1.40 per share(1), for the three-month and nine-month periods ended September 30, 2022, respectively.
Our net interest margin was 4.05% for the three-month period ended September 30, 2022, compared to 3.64% for the three-month period ended June 30, 2022. The yield on loans was 5.63% and 5.27% for the three months ended September 30, 2022 and June 30, 2022, respectively, as average loans decreased from $13.84 billion to $13.82 billion. Additionally, the rate on interest bearing deposits increased to 0.70% as of September 30, 2022, from 0.31% as of June 30, 2022, while average balances decreased from $13.80 billion to $13.31 billion.
During the third quarter of 2022, there was $943,000 of event interest income compared to event interest income of $602,000 for the second quarter of 2022.
Purchase accounting accretion on acquired loans was $4.6 million and $5.2 million and average purchase accounting loan discounts were $42.1 million and $46.3 million for the three-month periods ended September 30, 2022 and June 30, 2022, respectively. The reduction in accretion income lowered the net interest margin by 2 basis points for the three-month period ended September 30, 2022.
Net interest income on a fully taxable equivalent basis was $215.5 million for the three-month period ended September 30, 2022, and $201.2 million for the three-month period ended June 30, 2022. This increase in net interest income for the three-month period ended September 30, 2022, was the result of a $25.9 million increase in interest income, partially offset by an $11.6 million increase in interest expense. The $25.9 million increase in interest income was primarily the result of a $14.1 million increase in loan interest income, a $7.6 million increase in investment income and a $4.2 million increase in income from deposits with other banks resulting from the rising interest rate environment. The $11.6 million increase in interest expense was due to a $12.6 million increase in interest expense on deposits, which was partially offset by a $1.3 decrease in interest expense on subordinated debentures. The increase in interest expense on deposits is a result of the rising rate environment.

The Company reported $43.2 million of non-interest income for the third quarter of 2022. The most important components of the third quarter non-interest income were $14.0 million from other service charges and fees, $10.8 million from service charges on deposit accounts, $9.5 million from other income, $4.2 million in mortgage lending income, $4.0 million from trust fees, $1.7 million from dividends from FHLB, FRB, FNBB and other, a $1.1 million increase in cash value of life insurance, and $601,000 from insurance commissions. These amounts were partially offset by a $2.6 million loss from the fair value adjustment for marketable securities. The $9.5 million in other income includes $1.1 million in recoveries on historic losses of loans acquired that were written off prior to acquisition.


Non-interest expense for the third quarter of 2022 was $114.3 million. The most important components of the third quarter non-interest expense were $65.3 million from salaries and employee benefits, $25.2 million in other expense, $15.1 million in occupancy and equipment expenses and $8.7 million in data processing expenses. There were no merger and acquisition expenses during the third quarter of 2022. For the third quarter of 2022, our efficiency ratio was 43.24%; and, our efficiency ratio, as adjusted (non-GAAP) was 42.97%(1).
Financial Condition
Total loans receivable were $13.83 billion at September 30, 2022, compared to $13.92 billion at June 30, 2022. Total deposits were $18.54 billion at September 30, 2022, compared to $19.58 billion at June 30, 2022. Total assets were $23.16 billion at September 30, 2022, compared to $24.25 billion at June 30, 2022.
During the third quarter of 2022, the Company experienced approximately $94.6 million in loan decline. Centennial CFG experienced $342.0 million of organic loan decline and had loans of $2.08 billion at September 30, 2022. Our remaining footprint experienced $273.8 million in organic loan growth and $26.4 million in PPP loan decline during the quarter.
Non-performing loans to total loans was 0.45% and 0.44% at September 30, 2022 and June 30, 2022, respectively. Non-performing assets to total assets was 0.27% and 0.25% at September 30, 2022 and June 30, 2022, respectively. Net charge-offs were $5.1 million and $2.5 million for the three months ended September 30, 2022 and June 30, 2022, respectively.
Non-performing loans at September 30, 2022, were $10.2 million, $24.8 million, $13.7 million, $204,000, $1.4 million and $11.4 million in the Arkansas, Florida, Texas, Alabama, Shore Premier Finance and Centennial CFG markets, respectively, for a total of $61.7 million. Non-performing assets at September 30, 2022, were $10.2 million, $25.0 million, $14.0 million, $204,000, $1.4 million and $11.4 million in the Arkansas, Florida, Texas, Alabama, Shore Premier Finance and Centennial CFG markets, respectively, for a total of $62.2 million.
The Company’s allowance for credit losses on loans was $289.2 million at September 30, 2022, or 2.09% of total loans, compared to the allowance for credit losses on loans of $294.3 million, or 2.11% of total loans, at June 30, 2022. As of September 30, 2022 and June 30, 2022, the Company’s allowance for credit losses on loans was 468.77% and 485.57% of its total non-performing loans, respectively.
Stockholders’ equity was $3.46 billion at September 30, 2022, compared to $3.50 billion at June 30, 2022, a decrease of approximately $38.6 million. The decrease in stockholders’ equity is primarily associated with the $91.6 million increase in accumulated other comprehensive loss and net stock repurchases of $24.3 million, which were partially offset by a $74.9 million increase in retained earnings and share-based compensation of $2.4 million. Book value per common share was $16.94 at September 30, 2022, compared to $17.04 at June 30, 2022. Tangible book value per common share (non-GAAP) was $9.82(1) at September 30, 2022, compared to $9.92(1) at June 30, 2022.
Branches
The Company currently has 76 branches in Arkansas, 78 branches in Florida, 62 branches in Texas, 5 branches in Alabama and one branch in New York City.



Conference Call
Management will conduct a conference call to review this information at 1:00 p.m. CT (2:00 p.m. ET) on Thursday, October 20, 2022. We strongly encourage all participants to pre-register for the conference call webcast or the live call using one of the following links. First, participants can pre-register for the conference call webcast using the following link: https://events.q4inc.com/attendee/384737075. Participants who pre-register will be given a unique webcast link to gain immediate access to the conference call webcast. Second, participants can pre-register for the live call using the following link: https://www.netroadshow.com/events/login?show=d3582338&confId=42282. Participants who pre-register will be given the phone number and unique access codes to gain immediate access to the live call. Participants may pre-register now, or at any time prior to the call, and will immediately receive simple instructions via email. The Home BancShares conference call will also be automatically scheduled as an event in your Outlook calendar.
Those without internet access or unable to pre-register may dial in and listen to the live call by calling 1-844-200-6205, Passcode: 824264. A replay of the call will be available by calling 1-866-813-9403, Passcode: 090248, which will be available until October 27, 2022, at 10:59 p.m. CT (11:59 p.m. ET). Internet access to the call will be available live or in recorded version on the Company's website at www.homebancshares.com.
About Home BancShares
Home BancShares, Inc. is a bank holding company, headquartered in Conway, Arkansas. Its wholly-owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals and municipalities. Centennial Bank has branch locations in Arkansas, Florida, Texas, South Alabama and New York City. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.” The Company was founded in 1998. Visit www.homebancshares.com or www.my100bank.com for more information.
(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.


Non-GAAP Financial Measures
This press release contains financial information determined by methods other than in accordance with generally accepted accounting principles (GAAP). The Company’s management uses these non-GAAP financial measures--including net income (earnings), as adjusted; pre-tax, pre-provision, net income (PPNR); PPNR, as adjusted; pre-tax net income, as adjusted, to total revenue (net); pre-tax, pre-provision, profit percentage; pre-tax, pre-provision, profit percentage, as adjusted; diluted earnings per common share, as adjusted; return on average assets, as adjusted; return on average assets excluding intangible amortization; return on average assets, as adjusted, excluding intangible amortization; return on average assets excluding excess liquidity; return on average assets, as adjusted, excluding excess liquidity; return on average common equity, as adjusted; return on average tangible common equity; return on average tangible common equity, as adjusted; return on average tangible common equity excluding intangible amortization; return on average tangible common equity, as adjusted, excluding intangible amortization; efficiency ratio, as adjusted; tangible book value per common share and tangible common equity to tangible assets--to provide meaningful supplemental information regarding our performance. These measures typically adjust GAAP performance measures to include the tax benefit associated with revenue items that are tax-exempt, as well as adjust income available to common shareholders for certain significant items or transactions that management believes are not indicative of the Company’s primary business operating results. Since the presentation of these GAAP performance measures and their impact differ between companies, management believes presentations of these non-GAAP financial measures provide useful supplemental information that is essential to a proper understanding of the operating results of the Company’s business. These non-GAAP disclosures should not be viewed as a substitute for operating results determined in accordance with GAAP, nor are they necessarily comparable to non-GAAP performance measures that may be presented by other companies. Where non-GAAP financial measures are used, the comparable GAAP financial measure, as well as the reconciliation to the comparable GAAP financial measure, can be found in the tables of this release.



General
This release may contain forward-looking statements regarding the Company’s plans, expectations, goals and outlook for the future. Statements in this press release that are not historical facts should be considered forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements are not guarantees of future events, performance or results. When we use words like “may,” “plan,” “propose,” “contemplate,” “anticipate,” “believe,” “intend,” “continue,” “expect,” “project,” “predict,” “estimate,” “could,” “should,” “would,” and similar expressions, you should consider them as identifying forward-looking statements, although we may use other phrasing. Forward-looking statements of this type speak only as of the date of this news release. By nature, forward-looking statements involve inherent risk and uncertainties. Various factors could cause actual results to differ materially from those contemplated by the forward-looking statements. These factors include, but are not limited to, the following: economic conditions, credit quality, interest rates, loan demand, real estate values and unemployment, including the ongoing impacts of inflation; disruptions, uncertainties and related effects on our business and operations as a result of the ongoing coronavirus (COVID-19) pandemic and measures that have been or may be implemented or imposed in response to the pandemic, including the impact on, among other things, credit quality and liquidity; the risk that the benefits from the acquisition of Happy Bancshares, Inc. (“Happy”) may not be fully realized or may take longer to realize than expected, including as a result of changes in general economic and market conditions, ongoing or future effects of the COVID-19 pandemic, interest and exchange rates, monetary policy, laws and regulations and their enforcement, and the degree of competition in the geographic and business areas in which Home and Happy operate; the ability to effectively integrate the businesses of Home and Happy; the reaction to the transaction of the companies’ customers, employees and counterparties; diversion of management time on acquisition-related issues; the effect of any future mergers, acquisitions or other transactions to which we or our bank subsidiary may from time to time be a party, including as a result of one or more of the factors described above as they would relate to such transaction; the ability to identify, enter into and/or close additional acquisitions; legislative and regulatory changes and risks and expenses associated with current and future legislation and regulations, including those in response to the COVID-19 pandemic; technological changes and cybersecurity risks; the effects of changes in accounting policies and practices; changes in governmental monetary and fiscal policies; political instability, military conflicts and other major domestic or international events; adverse weather events, including hurricanes, and other natural disasters; competition from other financial institutions; potential claims, expenses and other adverse effects related to current or future litigation, regulatory examinations or other government actions; changes in the assumptions used in making the forward-looking statements; and other factors described in reports we file with the Securities and Exchange Commission (the “SEC”), including those factors set forth in our Annual Report on Form 10-K for the year ended December 31, 2021, filed with the SEC on February 24, 2022.

####
FOR MORE INFORMATION CONTACT:
Donna Townsell
Director of Investor Relations
Home BancShares, Inc.
(501) 328-4625


Home BancShares, Inc.
Consolidated End of Period Balance Sheets
(Unaudited)
 (In thousands) Sep 30,
2022		Jun 30,
2022		Mar 31,
2022		Dec 31,
2021		Sep 30,
2021
ASSETS
 Cash and due from banks $268,929 $287,451 $173,134 $119,908 $146,378 
 Interest-bearing deposits with other banks 1,311,492 2,528,925 3,446,324 3,530,407 3,133,878 
    Cash and cash equivalents 1,580,421 2,816,376 3,619,458 3,650,315 3,280,256 
Federal funds sold2,700 — — — — 
Investment securities - available-for sale,
     net of allowance for credit losses		4,085,102 3,791,509 2,957,322 3,119,807 3,150,608 
 Investment securities - held-to-maturity,
     net of allowance for credit losses 		1,251,007 1,366,781 499,265 — — 
    Total investment securities 5,336,109 5,158,290 3,456,587 3,119,807 3,150,608 
 Loans receivable 13,829,311 13,923,873 10,052,714 9,836,089 9,901,100 
 Allowance for credit losses (289,203)(294,267)(234,768)(236,714)(238,673)
    Loans receivable, net 13,540,108 13,629,606 9,817,946 9,599,375 9,662,427 
 Bank premises and equipment, net 411,479 415,056 274,503 275,760 276,972 
 Foreclosed assets held for sale 365 373 1,144 1,630 1,171 
 Cash value of life insurance 212,619 211,811 105,623 105,135 104,638 
 Accrued interest receivable 88,671 80,274 46,934 46,736 48,577 
 Deferred tax asset, net 228,979 208,585 116,605 78,290 69,724 
 Goodwill 1,394,353 1,398,400 973,025 973,025 973,025 
 Core deposit and other intangibles 60,932 63,410 23,624 25,045 26,466 
 Other assets 300,634 270,987 182,546 177,020 171,192 
    Total assets $23,157,370 $24,253,168 $18,617,995 $18,052,138 $17,765,056 
LIABILITIES AND STOCKHOLDERS' EQUITY
 Deposits:
    Demand and non-interest-bearing $5,540,539 $6,036,583 $4,311,400 $4,127,878 $4,139,149 
    Savings and interest-bearing transaction
        accounts
11,968,519 12,424,192 9,461,393 9,251,805 8,813,326 
    Time deposits 1,033,266 1,119,297 808,141 880,887 1,050,896 
       Total deposits 18,542,324 19,580,072 14,580,934 14,260,570 14,003,371 
 Securities sold under agreements to repurchase 121,555 118,573 151,151 140,886 141,002 
 FHLB and other borrowed funds 400,000 400,000 400,000 400,000 400,000 
 Accrued interest payable and other liabilities 192,908 197,503 131,339 113,868 113,721 
 Subordinated debentures 440,568 458,455 667,868 371,093 370,900 
    Total liabilities 19,697,355 20,754,603 15,931,292 15,286,417 15,028,994 
 Stockholders' equity
 Common stock 2,042 2,053 1,638 1,637 1,640 
 Capital surplus 2,404,388 2,426,271 1,485,524 1,487,373 1,492,588 
 Retained earnings 1,361,040 1,286,146 1,304,098 1,266,249 1,215,831 
 Accumulated other comprehensive (loss) income (307,455)(215,905)(104,557)10,462 26,003 
    Total stockholders' equity 3,460,015 3,498,565 2,686,703 2,765,721 2,736,062 
     Total liabilities and stockholders' equity $23,157,370 $24,253,168 $18,617,995 $18,052,138 $17,765,056 


Home BancShares, Inc.
Consolidated Statements of Income
(Unaudited)
 Quarter Ended Nine Months Ended
(In thousands)Sep 30,
2022		Jun 30,
2022		Mar 31,
2022		Dec 31,
2021		Sep 30,
2021		Sep 30,
2022		Sep 30,
2021
 Interest income:
   Loans $195,841 $181,779 $129,442 $136,750 $142,609 $507,062 $435,210 
   Investment securities
       Taxable 28,273 20,941 9,080 8,121 8,495 58,294 21,933 
       Tax-exempt 8,069 7,725 4,707 4,827 4,839 20,501 14,815 
   Deposits - other banks 10,763 6,565 1,673 1,281 1,117 19,001 2,234 
   Federal funds sold 9 3 1 — — 13 — 
 Total interest income 242,955 217,013 144,903 150,979 157,060 604,871 474,192 
 Interest expense:
    Interest on deposits 23,347 10,729 4,894 5,155 5,642 38,970 19,781 
    Federal funds purchased — 2 — — — 2 — 
    FHLB borrowed funds 1,917 1,896 1,875 1,916 1,917 5,688 5,688 
    Securities sold under agreements to
        repurchase
434 187 108 98 102 729 399 
    Subordinated debentures 4,153 5,441 6,878 4,790 4,788 16,472 14,373 
 Total interest expense 29,851 18,255 13,755 11,959 12,449 61,861 40,241 
 Net interest income 213,104 198,758 131,148 139,020 144,611 543,010 433,951 
    Provision for credit losses on acquired loans— 45,170 — — — 45,170 — 
    Provision for credit losses on acquired
        unfunded commitments
— 11,410 — — — 11,410 — 
    Provision for credit losses on unfunded
        commitments
— — — — — — (4,752)
    Provision for credit losses on acquired
        investment securities
— 2,005 — — — 2,005 — 
 Total credit loss expense (benefit)— 58,585 — — — 58,585 (4,752)
 Net interest income after credit loss expense
      (benefit)
213,104 140,173 131,148 139,020 144,611 484,425 438,703 
 Non-interest income:
    Service charges on deposit accounts 10,756 10,084 6,140 6,217 5,941 26,980 16,059 
    Other service charges and fees 13,951 12,541 7,733 11,133 8,051 34,225 25,318 
    Trust fees 3,980 4,320 574 515 479 8,874 1,445 
    Mortgage lending income 4,179 5,996 3,916 5,359 5,948 14,091 20,317 
    Insurance commissions 601 658 480 387 586 1,739 1,556 
    Increase in cash value of life insurance 1,089 1,140 492 501 509 2,721 1,548 
    Dividends from FHLB, FRB, FNBB & other 1,741 3,945 698 919 2,661 6,384 13,916 
    Gain on SBA loans 58 — 95 792 439 153 1,588 
    (Loss) gain on branches, equipment and other
       assets, net 		(13)2 16 (19)(34)5 (86)
    Gain on OREO, net — 9 478 737 246 487 1,266 
    Gain on securities, net — — — — — — 219 
    Fair value adjustment for marketable
        securities
(2,628)(1,801)2,125 85 61 (2,304)7,093 
    Other income 9,487 7,687 7,922 5,338 4,322 25,096 15,366 
 Total non-interest income 43,201 44,581 30,669 31,964 29,209 118,451 105,605 
 Non-interest expense:
    Salaries and employee benefits 65,290 65,795 43,551 43,765 42,469 174,636 126,990 
    Occupancy and equipment 15,133 14,256 9,144 9,047 9,305 38,533 27,584 
    Data processing expense 8,747 10,094 7,039 6,493 6,024 25,880 17,787 
    Merger and acquisition expenses — 48,731 863 880 1,006 49,594 1,006 
    Other operating expenses 25,176 26,606 16,299 16,865 16,815 68,081 48,100 
 Total non-interest expense 114,346 165,482 76,896 77,050 75,619 356,724 221,467 
 Income before income taxes 141,959 19,272 84,921 93,934 98,201 246,152 322,841 
    Income tax expense33,254 3,294 20,029 20,577 23,209 56,577 77,177 
 Net income $108,705 $15,978 $64,892 $73,357 $74,992 $189,575 $245,664 


Home BancShares, Inc.
Selected Financial Information
(Unaudited)
Quarter EndedNine Months Ended
(Dollars and shares in thousands, except per share data)Sep 30, 2022Jun 30, 2022Mar 31, 2022Dec 31, 2021Sep 30, 2021Sep 30, 2022Sep 30, 2021
PER SHARE DATA
Diluted earnings per common share$0.53$0.08$0.40$0.45$0.46$0.99$1.49
Diluted earnings per common share, as adjusted
    (non-GAAP)(1)
0.540.470.370.450.451.401.38
Basic earnings per common share0.530.080.400.450.460.991.49
Dividends per share - common0.1650.1650.170.140.140.4950.42
Book value per common share16.9417.0416.4116.9016.6816.9416.68
Tangible book value per common share
     (non-GAAP)(1)
9.829.9210.3210.8010.599.8210.59
STOCK INFORMATION
Average common shares outstanding204,829205,683163,787163,859164,126191,584164,717
Average diluted shares outstanding205,135206,015164,196164,306164,603191,941165,050
End of period common shares outstanding204,219205,291163,758163,699164,008204,219164,008
ANNUALIZED PERFORMANCE METRICS
Return on average assets (ROA)1.81 %0.26 %1.43 %1.62 %1.68 %1.13 %1.90 %
Return on average assets, as adjusted:
     (ROA, as adjusted) (non-GAAP)(1)
1.83 1.57 1.36 1.64 1.67 1.61 1.76 
Return on average assets excluding intangible
     amortization (non-GAAP)(1)
1.97 0.31 1.54 1.75 1.81 1.23 2.04 
Return on average assets, as adjusted, excluding
     intangible amortization (non-GAAP)(1)
1.99 1.70 1.46 1.76 1.79 1.74 1.90 
Return on average assets excluding excess liquidity (non-GAAP)(1)
1.96 0.29 1.74 1.96 1.98 1.29 2.17 
Return on average assets, as adjusted, excluding excess
     liquidity (non-GAAP)(1)
1.98 1.79 1.65 1.97 1.96 1.83 2.01 
Return on average common equity (ROE)12.25 1.78 9.58 10.63 10.97 7.71 12.32 
Return on average common equity, as adjusted:
     (ROE, as adjusted) (non-GAAP)(1)
12.39 10.83 9.09 10.72 10.87 10.91 11.44 
Return on average tangible common equity
     (ROTCE) (non-GAAP)(1)
20.93 2.96 15.03 16.73 17.39 12.71 19.74 
Return on average tangible common equity, as adjusted:
     (ROTCE, as adjusted) (non-GAAP)(1)
21.16 17.94 14.26 16.87 17.23 18.00 18.33 
Return on average tangible common equity excluding
     intangible amortization (non-GAAP)(1)
21.29 3.30 15.28 16.97 17.64 13.03 19.99 
Return on average tangible common equity, as adjusted,
     excluding intangible amortization (non-GAAP)(1)
21.52 18.29 14.50 17.11 17.47 18.32 18.58 
(1)  Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.


Home BancShares, Inc.
Selected Financial Information
(Unaudited)
Quarter EndedNine Months Ended
(Dollars in thousands)Sep 30, 2022Jun 30, 2022Mar 31, 2022Dec 31, 2021Sep 30, 2021Sep 30, 2022Sep 30, 2021
Efficiency ratio43.24 %66.31 %46.15 %43.79 %42.26 %52.44 %39.86 %
Efficiency ratio, as adjusted (non-GAAP)(1)
42.97 46.02 47.33 43.48 42.29 45.13 41.67 
Net interest margin - FTE (NIM)4.05 3.64 3.21 3.42 3.60 3.67 3.74 
Fully taxable equivalent adjustment$2,437$2,471$1,738$1,736$1,748$6,646$5,343
Total revenue (net)256,305243,339161,817170,984173,820661,461539,556
Pre-tax, pre-provision, net income (PPNR)
     (non-GAAP)(1)
141,95977,85784,92193,93498,201304,737318,089
PPNR, as adjusted (non-GAAP)(1)
143,522126,68380,37194,72996,919350,576294,176
Pre-tax net income to total revenue (net)55.39 %7.92 %52.48 %54.94 %56.50 %37.21 %59.83 %
Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)
56.00 52.06 49.67 55.40 55.76 53.00 55.40 
P5NR ((Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)
55.39 32.00 52.48 54.94 56.50 46.07 58.95 
P5NR, as adjusted (non-GAAP)(1)
56.00 52.06 49.67 55.40 55.76 53.00 54.52 
Total purchase accounting accretion$4,578$5,177$3,089$4,001$4,868$12,844$16,150
Average purchase accounting loan discounts42,05046,25825,35928,88233,32037,88938,587
OTHER OPERATING EXPENSES
Advertising$2,024$2,117$1,266$1,411$1,204$5,407$3,444
Amortization of intangibles2,4772,4771,4211,4201,4216,3754,262
Electronic banking expense3,8283,3522,5382,4422,5219,7187,375
Directors' fees3543754044223951,1331,192
Due from bank service charges316396270257265982787
FDIC and state assessment2,1462,3901,6681,3531,6486,2044,119
Insurance9599737708017492,7022,317
Legal and accounting1,5811,0617977491,0503,4392,954
Other professional fees2,4662,2541,6091,7541,7876,3295,196
Operating supplies6819957544894742,4301,426
Postage6145563063523011,476931
Telephone5933843373433711,3141,082
Other expense7,1379,2764,1595,0724,62920,57213,015
Total other operating expenses$25,176$26,606$16,299$16,865$16,815$68,081$48,100
(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.


Home BancShares, Inc.
Selected Financial Information
(Unaudited)
(Dollars in thousands)Sep 30,
2022		Jun 30,
2022		Mar 31,
2022		Dec 31,
2021		Sep 30,
2021
BALANCE SHEET RATIOS
Total loans to total deposits74.58 %71.11 %68.94 %68.97 %70.71 %
Common equity to assets14.94 14.43 14.43 15.32 15.40 
Tangible common equity to tangible assets
     (non-GAAP)(1)
9.24 8.94 9.59 10.36 10.36 
LOANS RECEIVABLE
Real estate
Commercial real estate loans
     Non-farm/non-residential$5,156,438$5,092,539$3,810,383$3,889,284$4,005,841
Construction/land development2,232,9062,595,3841,856,0961,850,0501,742,687
Agricultural330,748329,106142,920130,674138,881
Residential real estate loans
Residential 1-4 family1,704,8501,708,2211,223,8901,274,9531,273,988
Multifamily residential525,110389,633248,650280,837274,131
Total real estate9,950,05210,114,8837,281,9397,425,7987,435,528
Consumer1,120,2501,106,3431,059,342825,519814,732
Commercial and industrial2,268,7502,187,7711,510,2051,386,7471,414,079
Agricultural313,693324,63048,09543,92068,272
Other176,566190,246153,133154,105168,489
Loans receivable$13,829,311$13,923,873$10,052,714$9,836,089$9,901,100
Paycheck Protection Program (PPP) loans (net of discounts) (included in total loans receivable)10,77137,20459,609112,814241,476
ALLOWANCE FOR CREDIT LOSSES
Balance, beginning of period$294,267$234,768$236,714$238,673$240,451
Allowance for credit losses on PCD loans -
    Happy acquisition		—16,816———
Loans charged off6,3133,2652,3103,1252,469
Recoveries of loans previously charged off1,2497783641,166691
Net loans charged off5,0642,4871,9461,9591,778
Provision for credit losses - Happy acquisition—45,170———
Balance, end of period$289,203$294,267$234,768$236,714$238,673
Net charge-offs to average total loans0.15 %0.07 %0.08 %0.08 %0.07 %
Allowance for credit losses to total loans2.09 2.11 2.34 2.41 2.41 
NON-PERFORMING ASSETS
Non-performing loans
Non-accrual loans$56,796$44,170$44,629$47,158$47,604
Loans past due 90 days or more4,89816,432463,0353,311
Total non-performing loans61,69460,60244,67550,19350,915
Other non-performing assets
Foreclosed assets held for sale, net3653731,1441,6301,171
Other non-performing assets104104———
Total other non-performing assets4694771,1441,6301,171
Total non-performing assets$62,163$61,079$45,819$51,823$52,086
Allowance for credit losses for loans to non-performing loans468.77 %485.57 %525.50 %471.61 %468.77 %
Non-performing loans to total loans0.45 0.44 0.44 0.51 0.51 
Non-performing assets to total assets0.27 0.25 0.25 0.29 0.29 
(1) Calculation of this metric and the reconciliation to GAAP is included in the schedules accompanying this release.


Home BancShares, Inc.
Consolidated Net Interest Margin
(Unaudited)
Three Months Ended
September 30, 2022June 30, 2022
(Dollars in thousands)Average
Balance		Income/
Expense		Yield/
Rate		Average
Balance		Income/
Expense		Yield/
Rate
ASSETS
Earning assets
Interest-bearing balances due from banks$1,965,136 $10,763 2.17 %$3,252,674 $6,565 0.81 %
Federal funds sold1,176 9 3.04 1,857 3 0.65 
Investment securities - taxable4,008,230 28,273 2.80 3,817,209 20,941 2.20 
Investment securities - non-taxable - FTE1,292,702 10,370 3.18 1,270,602 10,055 3.17 
Loans receivable - FTE13,822,459 195,977 5.63 13,838,687 181,920 5.27 
Total interest-earning assets21,089,703 245,392 4.62 22,181,029 219,484 3.97 
Non-earning assets2,689,066 2,607,336 
Total assets$23,778,769 $24,788,365 
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Interest-bearing liabilities
Savings and interest-bearing transaction
    accounts
$12,233,755 $22,388 0.73 %$12,632,612 $9,770 0.31 %
Time deposits1,078,112 959 0.35 1,170,860 959 0.33 
Total interest-bearing deposits13,311,867 23,347 0.70 13,803,472 10,729 0.31 
     Federal funds purchased14 — — 869 2 0.92 
     Securities sold under agreement to
         repurchase
126,770 434 1.36 123,011 187 0.61 
     FHLB borrowed funds400,012 1,917 1.90 400,000 1,896 1.90 
     Subordinated debentures442,312 4,153 3.73 568,187 5,441 3.84 
    Total interest-bearing liabilities14,280,975 29,851 0.83 14,895,539 18,255 0.49 
Non-interest bearing liabilities
Non-interest bearing deposits5,779,082 6,138,497 
Other liabilities199,416 162,571 
Total liabilities20,259,473 21,196,607 
Shareholders' equity3,519,296 3,591,758 
Total liabilities and shareholders' equity$23,778,769 $24,788,365 
Net interest spread3.79 %3.48 %
Net interest income and margin - FTE$215,541 4.05 $201,229 3.64 


Home BancShares, Inc.
Consolidated Net Interest Margin
(Unaudited)
Nine Months Ended
September 30, 2022September 30, 2021
(Dollars in thousands)Average
Balance		Income/
Expense		Yield/
Rate		Average
Balance		Income/
Expense		Yield/
Rate
ASSETS
Earning assets
Interest-bearing balances due from banks$2,899,620 $19,001 0.88 %$2,372,227 $2,234 0.13 %
Federal funds sold1,593 13 1.09 83 — — 
Investment securities - taxable3,442,854 58,294 2.26 1,947,799 21,933 1.51 
Investment securities - non-taxable - FTE1,139,628 26,709 3.13 858,440 19,610 3.05 
Loans receivable - FTE12,547,275 507,500 5.41 10,532,411 435,758 5.53 
Total interest-earning assets20,030,970 611,517 4.08 15,710,960 479,535 4.08 
Non-earning assets2,308,827 1,594,442 
Total assets$22,339,797 $17,305,402 
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Interest-bearing liabilities
Savings and interest-bearing transaction accounts$11,420,566 $36,031 0.42 %$8,607,728 $12,289 0.19 %
Time deposits1,035,340 2,939 0.38 1,131,538 7,492 0.89 
Total interest-bearing deposits12,455,906 38,970 0.42 9,739,266 19,781 0.27 
     Federal funds purchased294 2 0.91 — — — 
     Securities sold under agreement to
         repurchase
129,076 729 0.76 153,677 399 0.35 
     FHLB borrowed funds400,004 5,688 1.90 400,000 5,688 1.90 
     Subordinated debentures540,175 16,472 4.08 370,615 14,373 5.19 
    Total interest-bearing liabilities13,525,455 61,861 0.61 10,663,558 40,241 0.50 
Non-interest bearing liabilities
Non-interest bearing deposits5,363,770 3,848,302 
Other liabilities161,402 127,656 
Total liabilities19,050,627 14,639,516 
Shareholders' equity3,289,170 2,665,886 
Total liabilities and shareholders' equity$22,339,797 $17,305,402 
Net interest spread3.47 %3.58 %
Net interest income and margin - FTE$549,656 3.67 $439,294 3.74 


Home BancShares, Inc.
Non-GAAP Reconciliations
(Unaudited)
 Quarter EndedNine Months Ended
(Dollars and shares in thousands,
except per share data)		Sep 30,
2022		Jun 30,
2022		Mar 31,
2022		Dec 31,
2021		Sep 30,
2021		Sep 30,
2022		Sep 30,
2021
EARNINGS, AS ADJUSTED
GAAP net income available to common shareholders (A)$108,705$15,978$64,892$73,357$74,992$189,575$245,664
Pre-tax adjustments
Merger and acquisition expenses—48,7318638801,00649,5941,006
Initial provision for credit losses - acquisition—58,585———58,585—
Fair value adjustment for marketable securities2,6281,801(2,125)(85)(61)2,304(7,093)
Special dividend from equity investment—(1,434)——(2,227)(1,434)(12,500)
TRUPS redemption fees—2,081———2,081—
Recoveries on historic losses(1,065)(2,353)(3,288)——(6,706)(5,107)
Gain on securities——————(219)
Total pre-tax adjustments1,563107,411(4,550)795(1,282)104,424(23,913)
Tax-effect of adjustments39326,396(1,220)188(587)25,569(6,412)
Total adjustments after-tax (B)1,17081,015(3,330)607(695)78,855(17,501)
Earnings, as adjusted (C)$109,875$96,993$61,562$73,964$74,297$268,430$228,163
Average diluted shares outstanding (D)205,135206,015164,196164,306164,603191,941165,050
GAAP diluted earnings per share: (A/D)$0.53$0.08$0.40$0.45$0.46$0.99$1.49
Adjustments after-tax: (B/D)0.010.39(0.03)—(0.01)0.41(0.11)
Diluted earnings per common share, as adjusted: (C/D)$0.54$0.47$0.37$0.45$0.45$1.40$1.38
ANNUALIZED RETURN ON AVERAGE ASSETS
Return on average assets: (A/E)1.81 %0.26 %1.43 %1.62 %1.68 %1.13 %1.90 %
Return on average assets, as adjusted: (ROA, as adjusted) ((A+D)/E)1.83 1.57 1.36 1.64 1.67 1.61 1.76 
Return on average assets excluding intangible amortization: ((A+C)/(E-F))1.97 0.31 1.54 1.75 1.81 1.23 2.04 
Return on average assets, as adjusted, excluding intangible amortization: ((A+C+D)/(E-F))1.99 1.70 1.46 1.76 1.79 1.74 1.90 
Return on average assets excluding excess liquidity:
     (A/(E-G))
1.96 0.29 1.74 1.96 1.98 1.29 2.17 
Return on average assets, as adjusted, excluding excess
     liquidity: ((A+D)/(E-G))		1.98 1.79 1.65 1.97 1.96 1.83 2.01 
GAAP net income available to common shareholders (A)$108,705$15,978$64,892$73,357$74,992$189,575$245,664
Amortization of intangibles (B)2,4772,4771,4211,4201,4216,3754,262
Amortization of intangibles after-tax (C)1,8541,8541,0491,0541,0554,7573,164
Adjustments after-tax (D)1,17081,015(3,330)607(695)78,855(17,501)
Average assets (E)23,778,76924,788,36518,393,07517,914,72717,695,22622,339,79717,305,402
Average goodwill, core deposits & other intangible assets (F)1,459,0341,423,466997,338998,7601,000,1751,294,9711,001,585
Average interest bearing cash balance1,965,1363,252,6743,497,8943,261,8462,914,7852,899,6202,372,227
Average historical interest bearing cash balance225,000225,000225,000225,000225,000225,000225,000
Average excess cash balance (G)1,740,1363,027,6743,272,8943,036,8462,689,7852,674,6202,147,227


Home BancShares, Inc.
Non-GAAP Reconciliations
(Unaudited)
 Quarter EndedNine Months Ended
(Dollars in thousands)Sep 30,
2022		Jun 30,
2022		Mar 31,
2022		Dec 31,
2021		Sep 30,
2021		Sep 30,
2022		Sep 30,
2021
ANNUALIZED RETURN ON AVERAGE COMMON EQUITY
Return on average common equity: (A/D)12.25 %1.78 %9.58 %10.63 %10.97 %7.71 %12.32 %
Return on average common equity, as adjusted: (ROE, as adjusted) ((A+C)/D)12.39 10.83 9.09 10.72 10.87 10.91 11.44 
Return on average tangible common equity:
    (A/(D-E))		20.93 2.96 15.03 16.73 17.39 12.71 19.74 
Return on average tangible common equity, as adjusted: (ROTCE, as adjusted) ((A+C)/(D-E))21.16 17.94 14.26 16.87 17.23 18.00 18.33 
Return on average tangible common equity excluding intangible amortization: (B/(D-E))21.29 3.30 15.28 16.97 17.64 13.03 19.99 
Return on average tangible common equity, as adjusted, excluding intangible amortization: ((B+C)/(D-E))21.52 18.29 14.50 17.11 17.47 18.32 18.58 
GAAP net income available to common shareholders (A)$108,705$15,978$64,892$73,357$74,992$189,575$245,664
Earnings excluding intangible amortization (B)110,55917,83265,94174,41176,047194,332248,828
Adjustments after-tax (C)1,17081,015(3,330)607(695)78,855(17,501)
Average common equity (D)3,519,2963,591,7582,747,9802,738,3052,710,9533,289,1702,665,886
Average goodwill, core deposits & other intangible assets (E)1,459,0341,423,466997,338998,7601,000,1751,294,9711,001,585
EFFICIENCY RATIO & P5NR
Efficiency ratio: ((D-H)/(B+C+E))43.24 %66.31 %46.15 %43.79 %42.26 %52.44 %39.86 %
Efficiency ratio, as adjusted: ((D-H-J)/(B+C+E-I))42.97 46.02 47.33 43.48 42.29 45.13 41.67 
Pre-tax net income to total revenue (net) (A/(B+C))55.39 7.92 52.48 54.94 56.50 37.21 59.83 
Pre-tax net income, as adjusted, to total revenue (net) ((A+F)/(B+C))56.00 52.06 49.67 55.40 55.76 53.00 55.40 
Pre-tax, pre-provision, net income (PPNR) (B+C-D)$141,959$77,857$84,921$93,934$98,201$304,737$318,089
Pre-tax, pre-provision, net income, as adjusted (B+C-D+F-G)143,522126,68380,37194,72996,919350,576294,176
P5NR ((Pre-tax, pre-provision, profit percentage) PPNR to total revenue (net)) (B+C-D)/(B+C)
55.39 %32.00 %52.48 %54.94 %56.50 %46.07 %58.95 %
P5NR, as adjusted (B+C-D+F-G)/(B+C)
56.00 52.06 49.67 55.40 55.76 53.00 54.52 
Pre-tax net income (A)$141,959$19,272$84,921$93,934$98,201$246,152$322,841
Net interest income (B)213,104198,758131,148139,020144,611543,010433,951
Non-interest income (C)43,20144,58130,66931,96429,209118,451105,605
Non-interest expense (D)114,346165,48276,89677,05075,619356,724221,467
Fully taxable equivalent adjustment (E)2,4372,4711,7381,7361,7486,6465,343
Total pre-tax adjustments (F)1,563107,411(4,550)795(1,282)104,424(23,913)
Initial provision for credit losses - acquisition (G)—58,585———58,585—
Amortization of intangibles (H)2,4772,4771,4211,4201,4216,3754,262
Adjustments:
Non-interest income:
Fair value adjustment for marketable securities$(2,628)$(1,801)$2,125$85$61$(2,304)$7,093
Gain on OREO—94787372464871,266
(Loss) gain on branches, equipment and other assets, net(13)216(19)(34)5(86)
Special dividend from equity investment—1,434——2,2271,43412,500
Gain on securities——————219
Recoveries on historic losses1,0652,3533,288——6,7065,107
Total non-interest income adjustments (I)$(1,576)$1,997$5,907$803$2,500$6,328$26,099
Non-interest expense:
Merger and acquisition expenses—48,7318638801,00649,5941,006
TRUPS redemption fees—2,081———2,081—
Total non-interest expense adjustments (J)$—$50,812$863$880$1,006$51,675$1,006


Home BancShares, Inc.
Non-GAAP Reconciliations
(Unaudited)
Quarter Ended
Sep 30,
2022		Jun 30,
2022		Mar 31,
2022		Dec 31,
2021		Sep 30,
2021
TANGIBLE BOOK VALUE PER COMMON SHARE
Book value per common share: (A/B)$16.94$17.04$16.41$16.90$16.68
Tangible book value per common share: ((A-C-D)/B)9.829.9210.3210.8010.59
Total stockholders' equity (A)$3,460,015$3,498,565$2,686,703$2,765,721$2,736,062
End of period common shares outstanding (B)204,219205,291163,758163,699164,008
Goodwill (C)1,394,3531,398,400973,025973,025973,025
Core deposit and other intangibles (D)60,93263,41023,62425,04526,466
TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS
Equity to assets: (B/A)14.94 %14.43 %14.43 %15.32 %15.40 %
Tangible common equity to tangible assets: ((B-C-D)/(A-C-D))9.24 8.94 9.59 10.36 10.36 
Total assets (A)$23,157,370$24,253,168$18,617,995$18,052,138$17,765,056
Total stockholders' equity (B)3,460,0153,498,5652,686,7032,765,7212,736,062
Goodwill (C)1,394,3531,398,400973,025973,025973,025
Core deposit and other intangibles (D)60,93263,41023,62425,04526,466

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Cover
Feb. 24, 2022
Cover [Abstract]  
Document Type 8-K
Document Period End Date Oct. 20, 2022
Entity Registrant Name HOME BANCSHARES, INC.
Entity Incorporation, State or Country Code AR
Entity File Number 001-41093
Entity Tax Identification Number 71-0682831
Entity Address, Address Line One 719 Harkrider
Entity Address, Address Line Two Suite 100
Entity Address, City or Town Conway
Entity Address, State or Province AR
Entity Address, Postal Zip Code 72032
City Area Code 501
Local Phone Number 339-2929
Written Communications false
Soliciting Material false
Pre-commencement Tender Offer false
Pre-commencement Issuer Tender Offer false
Title of 12(b) Security Common Stock, par value $0.01 per share
Trading Symbol HOMB
Security Exchange Name NYSE
Entity Emerging Growth Company false
Entity Central Index Key 0001331520
Amendment Flag false
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