0001331520-24-000116.txt : 20240418 0001331520-24-000116.hdr.sgml : 20240418 20240418091612 ACCESSION NUMBER: 0001331520-24-000116 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20240418 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20240418 DATE AS OF CHANGE: 20240418 FILER: COMPANY DATA: COMPANY CONFORMED NAME: HOME BANCSHARES INC CENTRAL INDEX KEY: 0001331520 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] ORGANIZATION NAME: 02 Finance 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: 24853039 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-20240418.htm 8-K homb-20240418
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): April 18, 2024
_________________________________
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 April 18, 2024 press release announcing first quarter 2024 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:April 18, 2024By:/s/ Jennifer C. Floyd
Jennifer C. Floyd
Chief Accounting Officer

 EX-99.1 2 homb033124earningsrelease.htm EX-99.1 Document

EXHIBIT 99.1
gh5yczfedemt000001a.jpg
For Immediate Release:April 18, 2024
All Operating Metrics Up and Expenses Down, Great Start at HOMB
Conway, AR – Home BancShares, Inc. (NYSE: HOMB) (“Home” or the “Company”), parent company of Centennial Bank, released quarterly earnings today.
Quarterly Highlights
MetricQ1 2024Q4 2023Q3 2023Q2 2023Q1 2023
Net income
$100.1 million
$86.2 million
$98.5 million
$105.3 million
$103.0 million
Net income, as adjusted (non-GAAP)(1)
$99.2 million
$92.2 million
$94.7 million
$102.6 million
$108.9 million
Total revenue (net)
$246.4 million
$245.6 million
$245.4 million
$257.2 million
$248.8 million
Income before income taxes
$130.4 million
$112.8 million
$129.3 million
$136.9 million
$132.9 million
Pre-tax, pre-provision, net income (PPNR) (non-GAAP)(1)
$134.9 million
$118.4 million
$130.6 million
$140.9 million
$134.1 million
PPNR, as adjusted (non-GAAP)(1)
$133.7 million
$126.4 million
$125.7 million
$137.3 million
$142.1 million
Pre-tax net income to total revenue (net)
52.92%
45.92%
52.70%
53.23%
53.43%
Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)
52.45%49.16%50.72%
51.85%
56.63%
P5NR (Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)
54.75%
48.22%
53.23%
54.78%
53.91%
P5NR, as adjusted (non-GAAP)(1)
54.28%51.46%51.25%
53.40%
57.11%
ROA
1.78%
1.55%
1.78%1.90%1.84%
ROA, as adjusted (non-GAAP)(1)
1.76%1.66%1.72%1.85%1.95%
NIM
4.13%
4.17%
4.19%4.28%4.37%
Purchase accounting accretion
$2.8 million
$2.3 million
$2.4 million
$2.7 million
$3.2 million
ROE
10.64%
9.36%
10.65%11.63%11.70%
ROE, as adjusted (non-GAAP)(1)
10.54%10.00%10.25%11.33%12.38%
ROTCE (non-GAAP)(1)
17.22%
15.49%
17.62%19.39%19.75%
ROTCE, as adjusted (non-GAAP)(1)
17.07%16.56%16.95%18.90%20.90%
Diluted earnings per share
$0.50
$0.43
$0.49$0.52$0.51
Diluted earnings per share, as adjusted
(non-GAAP)(1)
$0.49$0.46$0.47$0.51$0.54
Non-performing assets to total assets
0.48%
0.42%
0.42%0.28%0.33%
Common equity tier 1 capital14.3%14.2%14.0%13.6%13.2%
Leverage12.3%12.4%12.4%11.9%11.4%
Tier 1 capital14.3%14.2%14.0%13.6%13.2%
Total risk-based capital17.9%17.8%17.6%17.3%16.8%
Allowance for credit losses to total loans
2.00%
2.00%
2.00%2.01%2.00%
Book value per share$18.98$18.81$18.06$18.04$17.87
Tangible book value per share (non-GAAP)(1)
11.7911.6310.9010.8710.71
(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.
“I’m always looking for improvement, but if the next three quarters show positive trends such as this quarter did, I think HOMB is poised for a great year. The period for January to March resulted in increases in net interest income, revenue, EPS, margin (when adjusting for excess liquidity), loans and deposits along with strong liquidity while lowering our efficiency ratio. In addition, we reduced non-interest expense by $3 million, quarter over quarter. Any questions?” said John Allison, Chairman and CEO of HOMB.


Liquidity and Funding Sources

At March 31, 2024, the Company held $2.67 billion in net available internal liquidity. This balance consisted of $1.58 billion in unpledged investment securities which could be used for additional secured borrowing capacity, $924.1 million in cash with the Federal Reserve Bank (FRB) and $160.7 million in other liquid cash accounts.
Consistent with the Company’s practice of maintaining access to significant external liquidity, the Company had $3.11 billion in net available external liquidity as of March 31, 2024. This included $4.75 billion in available liquidity with the Federal Home Loan Bank (FHLB), of which $1.84 billion has been drawn upon in the ordinary course of business, resulting in $2.91 billion in net available liquidity with the FHLB as of March 31, 2024. The $1.84 billion consisted of $600.0 million in outstanding FHLB advances and $1.24 billion used for pledging purposes. The Company also had access to approximately $798.3 million in liquidity with the FRB as of March 31, 2024, of which $700.0 million has been drawn upon in the ordinary course of business, resulting in $98.3 million in net available liquidity with the FRB as of March 31, 2024. As of March 31, 2024, the Company also had access to $55.0 million from First National Bankers’ Bank (FNBB) and $45.0 million from other various external sources.
Overall, the Company had $5.77 billion in net available liquidity as of March 31, 2024, which consisted of $2.67 billion of net available internal liquidity and $3.11 billion in net available external liquidity. Details on the Company’s available liquidity as of March 31, 2024 is available below.
(In thousands)Total AvailableAmount UsedNet Availability
Internal Sources
Unpledged investment securities (market value)$1,581,821 $— $1,581,821 
Cash at FRB924,148 — 924,148 
Other liquid cash accounts160,738 — 160,738 
   Total Internal Liquidity2,666,707 — 2,666,707 
External Sources
FHLB4,746,613 1,837,367 2,909,246 
FRB Discount Window98,307 — 98,307 
BTFP (par value)700,000 700,000 — 
FNBB55,000 — 55,000 
Other45,000 — 45,000 
    Total External Liquidity5,644,920 2,537,367 3,107,553 
         Total Available Liquidity$8,311,627 $2,537,367 $5,774,260 

The Company has continued to limit its exposure to uninsured deposits and has been actively monitoring this in light of the current banking environment. As of March 31, 2024, the Company held approximately $8.42 billion in uninsured deposits of which $602.4 million were intercompany subsidiary deposit balances and $3.03 billion were collateralized deposits, for a net position of $4.79 billion. This represents approximately 28.4% of total deposits. In addition, net available liquidity exceeded uninsured and uncollateralized deposits by $987.0 million.


(in thousands)As of
March 31, 2024
Uninsured Deposits$8,415,764 
Intercompany Subsidiary and Affiliate Balances602,351 
Collateralized Deposits3,026,129 
Net Uninsured Position$4,787,284 
Total Available Liquidity$5,774,260 
Net Uninsured Position4,787,284 
Net Available Liquidity in Excess of Uninsured Deposits$986,976 
In the event the Company’s $4.79 billion net position of uninsured deposits had been called by depositors on the first day of the first quarter of 2024 and the Company utilized available funding, which remained outstanding during the entire quarter, the Company estimates that interest expense would have increased by approximately $71.7 million for the quarter ended March 31, 2024. The outflow of deposits could have been funded through available sources of liquidity without selling our investment securities. In this event, because of the high profitability levels of HOMB, the Company estimates that it would still have achieved return on average assets (ROA) of 1.27% for the quarter ended March 31, 2024.

Operating Highlights
Net income for the three-month period ended March 31, 2024 was $100.1 million, or $0.50 diluted earnings per share. When adjusting for non-fundamental items, net income and diluted earnings per share on an as-adjusted basis (non-GAAP), were $99.2 million(1) and $0.49 per share(1), respectively, for the three months ended March 31, 2024.
Our net interest margin was 4.13% for the three-month period ended March 31, 2024, compared to 4.17% for the three-month period ended December 31, 2023. During the first quarter of 2024, the Company held excess liquidity of approximately $500.0 million which was dilutive to the net interest margin by 10 basis points. The yield on loans was 7.37% and 7.20% for the three months ended March 31, 2024 and December 31, 2023, respectively, as average loans increased from $14.34 billion to $14.49 billion. Additionally, the rate on interest bearing deposits increased to 2.93% as of March 31, 2024, from 2.80% as of December 31, 2023, while average interest-bearing deposits increased from $12.48 billion to $12.72 billion.
During the first quarter of 2024, there was $1.1 million of event interest income compared to $120,000 of event interest expense for the fourth quarter of 2023.
Purchase accounting accretion on acquired loans was $2.8 million and $2.3 million and average purchase accounting loan discounts were $24.8 million and $27.4 million for the three-month periods ended March 31, 2024 and December 31, 2023, respectively.
Net interest income on a fully taxable equivalent basis was $205.5 million for the three-month period ended March 31, 2024, and $203.9 million for the three-month period ended December 31, 2023. This increase in net interest income for the three-month period ended March 31, 2024, was the result of a $10.5 million increase in interest income, partially offset by an $8.9 million increase in interest expense. The $10.5 million increase in interest income was primarily the result of a $6.2 million increase in income from interest-bearing balances due from banks and a $5.3 million increase in loan interest income, partially offset by a $1.0 million decrease in investment income. The increase in interest income is a result of the current high interest rate environment. The $8.9 million increase in interest expense was due to a $4.6 million


increase in interest expense on deposits and a $4.4 million increase in interest expense on FHLB and other borrowed funds. The increase in interest expense is also a result of the current high interest rate environment.
The Company reported $41.8 million of non-interest income for the first quarter of 2024. The most important components of first quarter non-interest income were $10.2 million from other service charges and fees, $9.7 million from service charges on deposit accounts, $7.4 million from other income, $5.1 million from trust fees, $3.6 million in mortgage lending income, $3.0 million from dividends from FHLB, FRB, FNBB and other, $1.2 million from the increase in cash value of life insurance and $1.0 million from the fair value adjustment for marketable securities.
Non-interest expense for the first quarter of 2024 was $111.5 million. The most important components of non-interest expense were $60.9 million from salaries and employee benefits, $26.9 million in other operating expense, $14.6 million in occupancy and equipment expenses and $9.1 million in data processing expenses. For the first quarter of 2024, our efficiency ratio was 44.22%, and our efficiency ratio, as adjusted (non-GAAP), was 44.43%(1).

Financial Condition
Total loans receivable were $14.51 billion at March 31, 2024, compared to $14.42 billion at December 31, 2023. Total deposits were $16.87 billion at March 31, 2024, compared to $16.79 billion at December 31, 2023. Total assets were $22.84 billion at March 31, 2024, compared to $22.66 billion at December 31, 2023.
During the first quarter of 2024, the Company experienced approximately $88.9 million in loan growth. Centennial CFG experienced $81.5 million of organic loan growth and had loans of $2.03 billion at March 31, 2024. Our remaining markets experienced $7.4 million in organic loan growth during the quarter.
Non-performing loans to total loans was 0.55% and 0.44% at March 31, 2024 and December 31, 2023, respectively. Non-performing assets to total assets were 0.48% and 0.42% at March 31, 2024 and December 31, 2023, respectively. Net charge-offs were $3.4 million and $3.0 million for the three months ended March 31, 2024 and December 31, 2023, respectively.
Non-performing loans at March 31, 2024 were $17.5 million, $10.6 million, $44.7 million, $408,000, $3.9 million and $2.8 million in the Arkansas, Florida, Texas, Alabama, Shore Premier Finance and Centennial CFG markets, respectively, for a total of $80.0 million. Non-performing assets at March 31, 2024 were $17.9 million, $17.9 million, $45.0 million, $408,000, $3.9 million and $25.5 million in the Arkansas, Florida, Texas, Alabama, Shore Premier Finance and Centennial CFG markets, respectively, for a total of $110.7 million.
The Company’s allowance for credit losses on loans was $290.3 million at March 31, 2024, or 2.00% of total loans, compared to the allowance for credit losses on loans of $288.2 million, or 2.00% of total loans, at December 31, 2023. As of March 31, 2024 and December 31, 2023, the Company’s allowance for credit losses on loans was 362.94% and 449.66% of its total non-performing loans, respectively.



Stockholders’ equity was $3.81 billion at March 31, 2024, compared to $3.79 billion at December 31, 2023, an increase of approximately $20.3 million. The increase in stockholders’ equity is primarily associated with the $63.9 million increase in retained earnings, partially offset by the $24.0 million in stock repurchases and $22.4 million reduction in accumulated other comprehensive income. Book value per common share was $18.98 at March 31, 2024, compared to $18.81 at December 31, 2023. Tangible book value per common share (non-GAAP) was $11.79(1) at March 31, 2024, compared to $11.63(1) at December 31, 2023.
Branches
The Company currently has 76 branches in Arkansas, 78 branches in Florida, 58 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, April 18, 2024. 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/645372014. 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=b0ede7ae&confId=62290. 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 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 1-833-470-1428, Passcode: 421224. A replay of the call will be available by calling 1-866-813-9403, Passcode: 724868, which will be available until April 25, 2024, 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 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 contains forward-looking statements regarding the Company’s plans, expectations, goals and outlook for the future, including future financial results. 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 or phrases like “may,” “plan,” “propose,” “contemplate,” “anticipate,” “believe,” “intend,” “continue,” “expect,” “project,” “predict,” “estimate,” “could,” “should,” “would,” “on track” 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 risks 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 that may result from any future outbreaks of the COVID-19 pandemic or other public health crises, including the impact on, among other things, credit quality and liquidity; the ability to identify, complete and successfully integrate new acquisitions; the risk that expected cost savings and other benefits from acquisitions may not be fully realized or may take longer to realize than expected; diversion of management time on acquisition-related issues; the availability of and access to capital and liquidity on terms acceptable to us; legislative and regulatory changes and risks and expenses associated with current and future legislation and regulations; technological changes and cybersecurity risks and incidents; 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; potential increases in deposit insurance assessments, increased regulatory scrutiny or market disruptions resulting from financial challenges in the banking industry; 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, 2023, filed with the SEC on February 26, 2024.

####
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) Mar 31,
2024		Dec 31,
2023		Sep 30,
2023		Jun 30,
2023		Mar 31,
2023
ASSETS
 Cash and due from banks $205,262 $226,363 $229,474 $275,656 $250,841 
 Interest-bearing deposits with other banks 969,996 773,850 258,605 335,535 437,213 
    Cash and cash equivalents 1,175,258 1,000,213 488,079 611,191 688,054 
Federal funds sold5,200 5,100 3,925 1,550 — 
Investment securities - available-for-sale,
     net of allowance for credit losses		3,400,884 3,507,841 3,472,173 3,645,013 3,772,138 
 Investment securities - held-to-maturity,
     net of allowance for credit losses 		1,280,586 1,281,982 1,283,475 1,285,150 1,286,373 
    Total investment securities 4,681,470 4,789,823 4,755,648 4,930,163 5,058,511 
 Loans receivable 14,513,673 14,424,728 14,271,833 14,180,972 14,386,634 
 Allowance for credit losses (290,294)(288,234)(285,562)(285,683)(287,169)
    Loans receivable, net 14,223,379 14,136,494 13,986,271 13,895,289 14,099,465 
 Bank premises and equipment, net 389,618 393,300 397,093 397,315 402,094 
 Foreclosed assets held for sale 30,650 30,486 691 725 425 
 Cash value of life insurance 215,424 214,516 213,351 213,090 214,792 
 Accrued interest receivable 119,029 118,966 110,946 101,066 102,740 
 Deferred tax asset, net 202,882 197,164 222,741 206,430 193,334 
 Goodwill 1,398,253 1,398,253 1,398,253 1,398,253 1,398,253 
 Core deposit intangible46,630 48,770 51,023 53,500 55,978 
 Other assets 347,928 323,573 322,617 317,857 304,609 
    Total assets $22,835,721 $22,656,658 $21,950,638 $22,126,429 $22,518,255 
LIABILITIES AND STOCKHOLDERS' EQUITY
 Deposits:
    Demand and non-interest-bearing $4,115,603 $4,085,501 $4,280,429 $4,598,593 $4,945,729 
    Savings and interest-bearing transaction
        accounts
11,047,258 11,050,347 10,786,087 11,169,940 11,392,566 
    Time deposits 1,703,269 1,651,863 1,452,229 1,228,358 1,107,171 
       Total deposits 16,866,130 16,787,711 16,518,745 16,996,891 17,445,466 
 Securities sold under agreements to repurchase 176,107 142,085 160,120 160,349 138,742 
 FHLB and other borrowed funds 1,301,050 1,301,300 1,001,550 701,550 650,000 
 Accrued interest payable and other liabilities 241,345 194,653 175,367 173,426 212,887 
 Subordinated debentures 439,688 439,834 439,982 440,129 440,275 
    Total liabilities 19,024,320 18,865,583 18,295,764 18,472,345 18,887,370 
 Stockholders' equity
 Common stock 2,008 2,015 2,023 2,026 2,032 
 Capital surplus 2,326,824 2,348,023 2,363,210 2,366,560 2,375,754 
 Retained earnings 1,753,994 1,690,112 1,640,171 1,578,176 1,509,400 
 Accumulated other comprehensive loss(271,425)(249,075)(350,530)(292,678)(256,301)
    Total stockholders' equity 3,811,401 3,791,075 3,654,874 3,654,084 3,630,885 
     Total liabilities and stockholders' equity $22,835,721 $22,656,658 $21,950,638 $22,126,429 $22,518,255 


Home BancShares, Inc.
Consolidated Statements of Income
(Unaudited)
 Quarter Ended Three Months Ended
(In thousands)Mar 31,
2024		Dec 31,
2023		Sep 30,
2023		Jun 30,
2023		Mar 31,
2023		Mar 31,
2024		Mar 31,
2023
 Interest income:
   Loans $265,294 $260,003 $249,464 $243,152 $236,997 $265,294 $236,997 
   Investment securities
       Taxable 33,229 34,016 34,520 34,751 35,288 33,229 35,288 
       Tax-exempt 7,803 7,855 7,868 7,932 7,963 7,803 7,963 
   Deposits - other banks 10,528 4,281 2,328 3,729 4,685 10,528 4,685 
   Federal funds sold 61 65 82 68 6 61 6 
 Total interest income 316,915 306,220 294,262 289,632 284,939 316,915 284,939 
 Interest expense:
    Interest on deposits 92,548 87,971 78,698 70,147 59,162 92,548 59,162 
    Federal funds purchased — — 1 2 — — — 
    FHLB and other borrowed funds 14,276 9,878 8,161 6,596 6,190 14,276 6,190 
    Securities sold under agreements to
        repurchase
1,404 1,480 1,344 1,121 868 1,404 868 
    Subordinated debentures 4,097 4,121 4,121 4,123 4,124 4,097 4,124 
 Total interest expense 112,325 103,450 92,325 81,989 70,344 112,325 70,344 
 Net interest income 204,590 202,770 201,937 207,643 214,595 204,590 214,595 
    Provision for credit losses on loans 5,500 5,650 2,800 2,300 1,200 5,500 1,200 
    Recovery of credit losses on unfunded
        commitments
(1,000)— (1,500)— — (1,000)— 
    Provision for credit losses on investment
        securities
— — — 1,683 — — — 
 Total credit loss expense4,500 5,650 1,300 3,983 1,200 4,500 1,200 
 Net interest income after credit loss expense 200,090 197,120 200,637 203,660 213,395 200,090 213,395 
 Non-interest income:
    Service charges on deposit accounts 9,686 10,072 10,062 9,231 9,842 9,686 9,842 
    Other service charges and fees 10,189 10,422 10,128 11,763 11,875 10,189 11,875 
    Trust fees 5,066 4,316 4,660 4,052 4,864 5,066 4,864 
    Mortgage lending income 3,558 2,385 3,132 2,650 2,571 3,558 2,571 
    Insurance commissions 508 480 562 518 526 508 526 
    Increase in cash value of life insurance 1,195 1,170 1,170 1,211 1,104 1,195 1,104 
    Dividends from FHLB, FRB, FNBB & other 3,007 3,010 2,916 2,922 2,794 3,007 2,794 
    Gain on SBA loans 198 42 97 — 139 198 139 
    (Loss) gain on branches, equipment and other
       assets, net 		(8)583 — 917 7 (8)7 
    Gain on OREO, net 17 13 — 319 — 17 — 
    Fair value adjustment for marketable
        securities
1,003 5,024 4,507 783 (11,408)1,003 (11,408)
    Other income 7,380 5,331 6,179 15,143 11,850 7,380 11,850 
 Total non-interest income 41,799 42,848 43,413 49,509 34,164 41,799 34,164 
 Non-interest expense:
    Salaries and employee benefits 60,910 63,430 64,512 64,534 64,490 60,910 64,490 
    Occupancy and equipment 14,551 14,965 15,463 14,923 14,952 14,551 14,952 
    Data processing expense 9,147 9,107 9,103 9,151 8,968 9,147 8,968 
    Other operating expenses 26,888 39,673 25,684 27,674 26,234 26,888 26,234 
 Total non-interest expense 111,496 127,175 114,762 116,282 114,644 111,496 114,644 
 Income before income taxes 130,393 112,793 129,288 136,887 132,915 130,393 132,915 
    Income tax expense30,284 26,550 30,835 31,616 29,953 30,284 29,953 
 Net income $100,109 $86,243 $98,453 $105,271 $102,962 $100,109 $102,962 


Home BancShares, Inc.
Selected Financial Information
(Unaudited)
Quarter EndedThree Months Ended
(Dollars and shares in thousands, except per share data)Mar 31, 2024Dec 31, 2023Sep 30, 2023Jun 30, 2023Mar 31, 2023Mar 31, 2024Mar 31, 2023
PER SHARE DATA
Diluted earnings per common share$0.50$0.43$0.49$0.52$0.51$0.50$0.51
Diluted earnings per common share, as adjusted
    (non-GAAP)(1)
0.490.460.470.510.540.490.54
Basic earnings per common share0.500.430.490.520.510.500.51
Dividends per share - common0.180.180.180.180.180.180.18
Book value per common share18.9818.8118.0618.0417.8718.9817.87
Tangible book value per common share
     (non-GAAP)(1)
11.7911.6310.9010.8710.7111.7910.71
STOCK INFORMATION
Average common shares outstanding201,210201,756202,526202,793203,456201,210203,456
Average diluted shares outstanding201,390201,891202,650202,923203,625201,390203,625
End of period common shares outstanding200,797201,526202,323202,573203,168200,797203,168
ANNUALIZED PERFORMANCE METRICS
Return on average assets (ROA)1.78 %1.55 %1.78 %1.90 %1.84 %1.78 %1.84 %
Return on average assets, as adjusted:
     (ROA, as adjusted) (non-GAAP)(1)
1.76 1.66 1.72 1.85 1.95 1.76 1.95 
Return on average assets excluding intangible
     amortization (non-GAAP)(1)
1.93 1.69 1.95 2.07 2.00 1.93 2.00 
Return on average assets, as adjusted, excluding
     intangible amortization (non-GAAP)(1)
1.91 1.81 1.87 2.02 2.12 1.91 2.12 
Return on average common equity (ROE)10.64 9.36 10.65 11.63 11.70 10.64 11.70 
Return on average common equity, as adjusted:
     (ROE, as adjusted) (non-GAAP)(1)
10.54 10.00 10.25 11.33 12.38 10.54 12.38 
Return on average tangible common equity
     (ROTCE) (non-GAAP)(1)
17.22 15.49 17.62 19.39 19.75 17.22 19.75 
Return on average tangible common equity, as adjusted:
     (ROTCE, as adjusted) (non-GAAP)(1)
17.07 16.56 16.95 18.90 20.90 17.07 20.90 
Return on average tangible common equity excluding
     intangible amortization (non-GAAP)(1)
17.50 15.80 17.95 19.74 20.11 17.50 20.11 
Return on average tangible common equity, as adjusted,
     excluding intangible amortization (non-GAAP)(1)
17.34 16.87 17.29 19.24 21.26 17.34 21.26 
(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 EndedThree Months Ended
(Dollars in thousands)Mar 31, 2024Dec 31, 2023Sep 30, 2023Jun 30, 2023Mar 31, 2023Mar 31, 2024Mar 31, 2023
Efficiency ratio44.22 %50.64 %45.53 %44.00 %44.80 %44.22 %44.80 %
Efficiency ratio, as adjusted (non-GAAP)(1)
44.43 46.43 46.44 44.83 43.42 44.43 43.42 
Net interest margin - FTE (NIM)4.13 4.17 4.19 4.28 4.37 4.13 4.37 
Fully taxable equivalent adjustment$892$1,091$1,293$1,494$1,628$892$1,628
Total revenue (net)246,389245,618245,350257,152248,759246,389248,759
Pre-tax, pre-provision, net income (PPNR)
     (non-GAAP)(1)
134,893118,443130,588140,870134,115134,893134,115
PPNR, as adjusted (non-GAAP)(1)
133,728126,402125,743137,308142,062133,728142,062
Pre-tax net income to total revenue (net)52.92 %45.92 %52.70 %53.23 %53.43 %52.92 %53.43 %
Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)
52.45 49.16 50.72 51.85 56.63 52.45 56.63 
P5NR ((Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)
54.75 48.22 53.23 54.78 53.91 54.75 53.91 
P5NR, as adjusted (non-GAAP)(1)
54.28 51.46 51.25 53.40 57.11 54.28 57.11 
Total purchase accounting accretion$2,772$2,324$2,431$2,660$3,172$2,772$3,172
Average purchase accounting loan discounts24,82027,39729,91532,54635,48224,82035,482
OTHER OPERATING EXPENSES
Advertising$1,654$2,226$2,295$2,098$2,231$1,654$2,231
Amortization of intangibles2,1402,2532,4772,4782,4772,1402,477
Electronic banking expense3,1563,5993,7093,6753,3303,1563,330
Directors' fees498399417538460498460
Due from bank service charges276274282286273276273
FDIC and state assessment3,31816,0162,7943,2203,5003,3183,500
Insurance903873878927889903889
Legal and accounting2,0811,1921,5141,4361,0882,0811,088
Other professional fees2,2361,6402,1172,7742,2842,2362,284
Operating supplies683777860763738683738
Postage523503491586501523501
Telephone470515544573528470528
Other expense8,9509,4067,3068,3207,9358,9507,935
        Total other operating expenses $26,888$39,673$25,684$27,674$26,234$26,888$26,234
(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)Mar 31,
2024		Dec 31,
2023		Sep 30,
2023		Jun 30,
2023		Mar 31,
2023
BALANCE SHEET RATIOS
Total loans to total deposits86.05 %85.92 %86.40 %83.43 %82.47 %
Common equity to assets16.69 16.73 16.65 16.51 16.12 
Tangible common equity to tangible assets
     (non-GAAP)(1)
11.06 11.05 10.76 10.65 10.33 
LOANS RECEIVABLE
Real estate
Commercial real estate loans
     Non-farm/non-residential$5,616,965$5,549,954$5,614,259$5,480,738$5,524,125
Construction/land development2,330,5552,293,0472,154,0302,201,5142,160,514
Agricultural337,618325,156336,160340,067342,814
Residential real estate loans
Residential 1-4 family1,899,9741,844,2601,808,2481,790,2181,748,231
Multifamily residential415,926435,736444,239455,754637,633
Total real estate10,601,03810,448,15310,356,93610,268,29110,413,317
Consumer1,163,2281,153,6901,153,4611,156,2731,173,325
Commercial and industrial2,284,7752,324,9912,195,6782,288,6462,368,428
Agricultural278,609307,327332,608297,743250,851
Other186,023190,567233,150170,019180,713
Loans receivable$14,513,673$14,424,728$14,271,833$14,180,972$14,386,634
ALLOWANCE FOR CREDIT LOSSES
Balance, beginning of period$288,234$285,562$285,683$287,169$289,669
Loans charged off3,9783,5923,4494,7264,288
Recoveries of loans previously charged off538614528940588
Net loans charged off3,4402,9782,9213,7863,700
Provision for credit losses - loans 5,5005,6502,8002,3001,200
Balance, end of period$290,294$288,234$285,562$285,683$287,169
Net charge-offs to average total loans0.10 %0.08 %0.08 %0.11 %0.10 %
Allowance for credit losses to total loans2.00 2.00 2.00 2.01 2.00 
NON-PERFORMING ASSETS
Non-performing loans
Non-accrual loans$67,055$59,971$84,184$49,627$65,401
Loans past due 90 days or more12,9284,1306,67410,8698,567
Total non-performing loans79,98364,10190,85860,49673,968
Other non-performing assets
Foreclosed assets held for sale, net30,65030,486691725425
Other non-performing assets63785646474
Total other non-performing assets30,71331,271755789499
Total non-performing assets$110,696$95,372$91,613$61,285$74,467
Allowance for credit losses for loans to non-performing loans362.94 %449.66 %314.29 %472.23 %388.23 %
Non-performing loans to total loans0.55 0.44 0.64 0.43 0.51 
Non-performing assets to total assets0.48 0.42 0.42 0.28 0.33 
(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
March 31, 2024December 31, 2023
(Dollars in thousands)Average
Balance		Income/
Expense		Yield/
Rate		Average
Balance		Income/
Expense		Yield/
Rate
ASSETS
Earning assets
Interest-bearing balances due from banks$801,456 $10,528 5.28 %$337,821 $4,281 5.03 %
Federal funds sold5,012 61 4.90 4,716 65 5.47 
Investment securities - taxable3,473,511 33,229 3.85 3,444,715 34,016 3.92 
Investment securities - non-taxable - FTE1,257,861 8,642 2.76 1,263,567 8,880 2.79 
Loans receivable - FTE14,487,494 265,347 7.37 14,336,613 260,069 7.20 
Total interest-earning assets20,025,334 317,807 6.38 19,387,432 307,311 6.29 
Non-earning assets2,657,925 2,669,008 
Total assets$22,683,259 $22,056,440 
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Interest-bearing liabilities
Savings and interest-bearing transaction accounts$11,038,910 $75,597 2.75 %$10,912,668 $73,026 2.65 %
Time deposits1,685,193 16,951 4.05 1,564,682 14,945 3.79 
Total interest-bearing deposits12,724,103 92,548 2.93 12,477,350 87,971 2.80 
     Securities sold under agreement to
         repurchase
172,024 1,404 3.28 162,102 1,480 3.62 
     FHLB and other borrowed funds1,301,091 14,276 4.41 905,689 9,878 4.33 
     Subordinated debentures439,760 4,097 3.75 439,906 4,121 3.72 
    Total interest-bearing liabilities14,636,978 112,325 3.09 13,985,047 103,450 2.93 
Non-interest bearing liabilities
Non-interest bearing deposits4,017,659 4,212,665 
Other liabilities244,970 202,008 
Total liabilities18,899,607 18,399,720 
Shareholders' equity3,783,652 3,656,720 
Total liabilities and shareholders' equity$22,683,259 $22,056,440 
Net interest spread3.29 %3.36 %
Net interest income and margin - FTE$205,482 4.13 $203,861 4.17 


Home BancShares, Inc.
Consolidated Net Interest Margin
(Unaudited)
Three Months Ended
March 31, 2024March 31, 2023
(Dollars in thousands)Average
Balance		Income/
Expense		Yield/
Rate		Average
Balance		Income/
Expense		Yield/
Rate
ASSETS
Earning assets
Interest-bearing balances due from banks$801,456 $10,528 5.28 %$426,051 $4,685 4.46 %
Federal funds sold5,012 61 4.90 474 6 5.13 
Investment securities - taxable3,473,511 33,229 3.85 3,867,737 35,288 3.70 
Investment securities - non-taxable - FTE1,257,861 8,642 2.76 1,289,564 9,482 2.98 
Loans receivable - FTE14,487,494 265,347 7.37 14,474,072 237,106 6.64 
Total interest-earning assets20,025,334 317,807 6.38 20,057,898 286,567 5.79 
Non-earning assets2,657,925 2,637,957 
Total assets$22,683,259 $22,695,855 
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Interest-bearing liabilities
Savings and interest-bearing transaction accounts$11,038,910 $75,597 2.75 %$11,579,329 $54,857 1.92 %
Time deposits1,685,193 16,951 4.05 1,072,094 4,305 1.63 
Total interest-bearing deposits12,724,103 92,548 2.93 12,651,423 59,162 1.90 
     Securities sold under agreement to
         repurchase
172,024 1,404 3.28 134,934 868 2.61 
     FHLB and other borrowed funds1,301,091 14,276 4.41 651,111 6,190 3.86 
     Subordinated debentures439,760 4,097 3.75 440,346 4,124 3.80 
    Total interest-bearing liabilities14,636,978 112,325 3.09 13,877,814 70,344 2.06 
Non-interest bearing liabilities
Non-interest bearing deposits4,017,659 5,043,219 
Other liabilities244,970 205,230 
Total liabilities18,899,607 19,126,263 
Shareholders' equity3,783,652 3,569,592 
Total liabilities and shareholders' equity$22,683,259 $22,695,855 
Net interest spread3.29 %3.73 %
Net interest income and margin - FTE$205,482 4.13 $216,223 4.37 


Home BancShares, Inc.
Non-GAAP Reconciliations
(Unaudited)
 Quarter EndedThree Months Ended
(Dollars and shares in thousands,
except per share data)		Mar 31,
2024		Dec 31,
2023		Sep 30,
2023		Jun 30,
2023		Mar 31,
2023		Mar 31,
2024		Mar 31,
2023
EARNINGS, AS ADJUSTED
GAAP net income available to common shareholders (A)$100,109$86,243$98,453$105,271$102,962$100,109$102,962
Pre-tax adjustments
FDIC special assessment—12,983—————
BOLI death benefits(162)—(338)(2,779)—(162)—
Fair value adjustment for marketable securities(1,003)(5,024)(4,507)(783)11,408(1,003)11,408
Recoveries on historic losses————(3,461)—(3,461)
Total pre-tax adjustments(1,165)7,959(4,845)(3,562)7,947(1,165)7,947
Tax-effect of adjustments(251)1,989(1,112)(879)1,961(251)1,961
Total adjustments after-tax (B)(914)5,970(3,733)(2,683)5,986(914)5,986
Earnings, as adjusted (C)$99,195$92,213$94,720$102,588$108,948$99,195$108,948
Average diluted shares outstanding (D)201,390201,891202,650202,923203,625201,390203,625
GAAP diluted earnings per share: (A/D)$0.50$0.43$0.49$0.52$0.51$0.50$0.51
Adjustments after-tax: (B/D)(0.01)0.03(0.02)(0.01)0.03(0.01)0.03
Diluted earnings per common share, as adjusted: (C/D)$0.49$0.46$0.47$0.51$0.54$0.49$0.54
ANNUALIZED RETURN ON AVERAGE ASSETS
Return on average assets: (A/E)1.78 %1.55 %1.78 %1.90 %1.84 %1.78 %1.84 %
Return on average assets, as adjusted: (ROA, as adjusted) ((A+D)/E)1.76 1.66 1.72 1.85 1.95 1.76 1.95 
Return on average assets excluding intangible amortization: ((A+C)/(E-F))1.93 1.69 1.95 2.07 2.00 1.93 2.00 
Return on average assets, as adjusted, excluding intangible amortization: ((A+C+D)/(E-F))1.91 1.81 1.87 2.02 2.12 1.91 2.12 
GAAP net income available to common shareholders (A)$100,109$86,243$98,453$105,271$102,962$100,109$102,962
Amortization of intangibles (B)2,1402,2532,4772,4782,4772,1402,477
Amortization of intangibles after-tax (C)1,6051,6901,8661,8661,8661,6051,866
Adjustments after-tax (D)(914)5,970(3,733)(2,683)5,986(914)5,986
Average assets (E)22,683,25922,056,44021,902,43422,227,40422,695,85522,683,25922,695,855
Average goodwill & core deposit intangible (F)1,445,9021,448,0611,450,4781,452,9511,455,4231,445,9021,455,423


Home BancShares, Inc.
Non-GAAP Reconciliations
(Unaudited)
 Quarter EndedThree Months Ended
(Dollars in thousands)Mar 31,
2024		Dec 31,
2023		Sep 30,
2023		Jun 30,
2023		Mar 31,
2023		Mar 31,
2024		Mar 31,
2023
ANNUALIZED RETURN ON AVERAGE COMMON EQUITY
Return on average common equity: (A/D)10.64 %9.36 %10.65 %11.63 %11.70 %10.64 %11.70 %
Return on average common equity, as adjusted: (ROE, as adjusted) ((A+C)/D)10.54 10.00 10.25 11.33 12.38 10.54 12.38 
Return on average tangible common equity:
    (A/(D-E))		17.22 15.49 17.62 19.39 19.75 17.22 19.75 
Return on average tangible common equity, as adjusted: (ROTCE, as adjusted) ((A+C)/(D-E))17.07 16.56 16.95 18.90 20.90 17.07 20.90 
Return on average tangible common equity excluding intangible amortization: (B/(D-E))17.50 15.80 17.95 19.74 20.11 17.50 20.11 
Return on average tangible common equity, as adjusted, excluding intangible amortization: ((B+C)/(D-E))17.34 16.87 17.29 19.24 21.26 17.34 21.26 
GAAP net income available to common shareholders (A)$100,109$86,243$98,453$105,271$102,962$100,109$102,962
Earnings excluding intangible amortization (B)101,71487,933100,319107,137104,828101,714104,828
Adjustments after-tax (C)(914)5,970(3,733)(2,683)5,986(914)5,986
Average common equity (D)3,783,6523,656,7203,667,3393,630,1943,569,5923,783,6523,569,592
Average goodwill & core deposits intangible (E)1,445,9021,448,0611,450,4781,452,9511,455,4231,445,9021,455,423
EFFICIENCY RATIO & P5NR
Efficiency ratio: ((D-G)/(B+C+E))44.22 %50.64 %45.53 %44.00 %44.80 %44.22 %44.80 %
Efficiency ratio, as adjusted: ((D-G-I)/(B+C+E-H))44.43 46.43 46.44 44.83 43.42 44.43 43.42 
Pre-tax net income to total revenue (net) (A/(B+C))52.92 45.92 52.70 53.23 53.43 52.92 53.43 
Pre-tax net income, as adjusted, to total revenue (net) ((A+F)/(B+C))52.45 49.16 50.72 51.85 56.63 52.45 56.63 
Pre-tax, pre-provision, net income (PPNR) (B+C-D)$134,893$118,443$130,588$140,870$134,115$134,893$134,115
Pre-tax, pre-provision, net income, as adjusted (B+C-D+F)133,728126,402125,743137,308142,062133,728142,062
P5NR ((Pre-tax, pre-provision, profit percentage) PPNR to total revenue (net)) (B+C-D)/(B+C)
54.75 %48.22 %53.23 %54.78 %53.91 %54.75 %53.91 %
P5NR, as adjusted (B+C-D+F-G)/(B+C)
54.28 51.46 51.25 53.40 57.11 54.28 57.11 
Pre-tax net income (A)$130,393$112,793$129,288$136,887$132,915$130,393$132,915
Net interest income (B)204,590202,770201,937207,643214,595204,590214,595
Non-interest income (C)41,79942,84843,41349,50934,16441,79934,164
Non-interest expense (D)111,496127,175114,762116,282114,644111,496114,644
Fully taxable equivalent adjustment (E)8921,0911,2931,4941,6288921,628
Total pre-tax adjustments (F)(1,165)7,959(4,845)(3,562)7,947(1,165)7,947
Amortization of intangibles (G)2,1402,2532,4772,4782,4772,1402,477
Adjustments:
Non-interest income:
Fair value adjustment for marketable securities$1,003$5,024$4,507$783$(11,408)$1,003$(11,408)
Gain on OREO1713—319—17—
(Loss) gain on branches, equipment and other assets, net(8)583—9177(8)7
BOLI death benefits162—3382,779—162—
Recoveries on historic losses————3,461—3,461
Total non-interest income adjustments (H)$1,174$5,620$4,845$4,798$(7,940)$1,174$(7,940)
Non-interest expense:
FDIC special assessment—12,983—————
Total non-interest expense adjustments (I)$—$12,983$—$—$—$—$—


Home BancShares, Inc.
Non-GAAP Reconciliations
(Unaudited)
Quarter Ended
Mar 31,
2024		Dec 31,
2023		Sep 30,
2023		Jun 30,
2023		Mar 31,
2023
TANGIBLE BOOK VALUE PER COMMON SHARE
Book value per common share: (A/B)$18.98$18.81$18.06$18.04$17.87
Tangible book value per common share: ((A-C-D)/B)11.7911.6310.9010.8710.71
Total stockholders' equity (A)$3,811,401$3,791,075$3,654,874$3,654,084$3,630,885
End of period common shares outstanding (B)200,797201,526202,323202,573203,168
Goodwill (C)1,398,2531,398,2531,398,2531,398,2531,398,253
Core deposit and other intangibles (D)46,63048,77051,02353,50055,978
TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS
Equity to assets: (B/A)16.69 %16.73 %16.65 %16.51 %16.12 %
Tangible common equity to tangible assets: ((B-C-D)/(A-C-D))11.06 11.05 10.76 10.65 10.33 
Total assets (A)$22,835,721$22,656,658$21,950,638$22,126,429$22,518,255
Total stockholders' equity (B)3,811,4013,791,0753,654,8743,654,0843,630,885
Goodwill (C)1,398,2531,398,2531,398,2531,398,2531,398,253
Core deposit and other intangibles (D)46,63048,77051,02353,50055,978

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Cover
Feb. 24, 2022
Cover [Abstract]  
Document Type 8-K
Document Period End Date Apr. 18, 2024
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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