0001331520-24-000172.txt : 20241016 0001331520-24-000172.hdr.sgml : 20241016 20241016172016 ACCESSION NUMBER: 0001331520-24-000172 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 15 CONFORMED PERIOD OF REPORT: 20241016 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Regulation FD Disclosure ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20241016 DATE AS OF CHANGE: 20241016 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: 241375406 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-20241016.htm 8-K homb-20241016
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 16, 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 October 16, 2024 press release announcing third 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:October 16, 2024By:/s/ Jennifer C. Floyd
Jennifer C. Floyd
Chief Accounting Officer

 EX-99.1 2 homb093024earningsrelease.htm EX-99.1 Document

EXHIBIT 99.1
gh5yczfedemt000001.jpg
For Immediate Release:October 16, 2024
HOMB Delivers Strong Q3 Results, While Shifting Into Hurricane Mode
Conway, AR – Home BancShares, Inc. (NYSE: HOMB) (“Home” or the “Company”), parent company of Centennial Bank, released quarterly earnings today.
Quarterly Highlights
MetricQ3 2024Q2 2024Q1 2024Q4 2023Q3 2023
Net income
$100.0 million
$101.5 million
$100.1 million
$86.2 million
$98.5 million
Net income, as adjusted (non-GAAP)(1)
$99.0 million
$103.9 million
$99.2 million
$92.2 million
$94.7 million
Total revenue (net)
$258.0 million
$254.6 million
$246.4 million
$245.6 million
$245.4 million
Income before income taxes
$129.1 million
$133.4 million
$130.4 million
$112.8 million
$129.3 million
Pre-tax, pre-provision, net income (PPNR) (non-GAAP)(1)
$148.0 million
$141.4 million
$134.9 million
$118.4 million
$130.6 million
PPNR, as adjusted (non-GAAP)(1)
$146.6 million
$141.9 million
$133.7 million
$126.4 million
$125.7 million
Pre-tax net income to total revenue (net)
50.03%
52.40%
52.92%
45.92%
52.70%
Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)
49.49%52.59%52.45%
49.16%
50.72%
P5NR (Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)
57.35%
55.54%
54.75%
48.22%
53.23%
P5NR, as adjusted (non-GAAP)(1)
56.81%55.73%54.28%
51.46%
51.25%
ROA
1.74%
1.79%
1.78%1.55%1.78%
ROA, as adjusted (non-GAAP)(1)
1.72%1.83%1.76%1.66%1.72%
NIM
4.28%
4.27%
4.13%4.17%4.19%
Purchase accounting accretion
$1.9 million
$1.9 million
$2.8 million
$2.3 million
$2.4 million
ROE
10.23%
10.73%
10.64%9.36%10.65%
ROE, as adjusted (non-GAAP)(1)
10.12%10.98%10.54%10.00%10.25%
ROTCE (non-GAAP)(1)
16.26%
17.29%
17.22%15.49%17.62%
ROTCE, as adjusted (non-GAAP)(1)
16.09%17.69%17.07%16.56%16.95%
Diluted earnings per share
$0.50
$0.51
$0.50$0.43$0.49
Diluted earnings per share, as adjusted
(non-GAAP)(1)
$0.50$0.52$0.49$0.46$0.47
Non-performing assets to total assets
0.63%
0.56%
0.48%0.42%0.42%
Common equity tier 1 capital14.7%14.4%14.3%14.2%14.0%
Leverage12.5%12.3%12.3%12.4%12.4%
Tier 1 capital14.7%14.4%14.3%14.2%14.0%
Total risk-based capital18.3%18.0%17.9%17.8%17.6%
Allowance for credit losses to total loans
2.11%
2.00%
2.00%2.00%2.00%
Book value per share$19.91$19.30$18.98$18.81$18.06
Tangible book value per share (non-GAAP)(1)
12.6712.0811.7911.6310.90
(1) Calculation of this metric and the reconciliation to GAAP are included in the schedules accompanying this release.
“HOMB was on track to meet or beat expectations in the third quarter when Hurricane Helene hit with three business days left in the quarter. I’m proud of the strength of our balance sheet which allowed us to increase our already strong loan loss reserve amount in order to prepare for what is to come as a result of recent hurricanes in the southeast,” said John Allison, Chairman and CEO of HOMB.


“Our quarter was shaping up very nicely, and I was looking for $0.55 to $0.56 diluted earnings per share and an ROA of 1.96%. But that all changed almost overnight due to circumstances beyond our control. Despite this event, we still had a very strong quarter with strong revenue and PPNR, $0.50 diluted earnings per share and a 1.74% return on average assets,” Allison continued.

Liquidity and Funding Sources

At September 30, 2024, the Company held $2.50 billion in net available internal liquidity. This balance consisted of $1.51 billion in unpledged investment securities which could be used for additional secured borrowing capacity, $718.9 million in cash with the Federal Reserve Bank (FRB) and $270.4 million in other liquid cash accounts.
Consistent with the Company’s practice of maintaining access to significant external liquidity, the Company had $3.15 billion in net available external liquidity as of September 30, 2024. This included $4.80 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 $2.97 billion in net available liquidity with the FHLB as of September 30, 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 $785.6 million in liquidity with the FRB as of September 30, 2024, of which $700.0 million has been drawn upon in the ordinary course of business from the Bank Term Funding Program (BTFP), resulting in $85.6 million in net available liquidity with the FRB as of September 30, 2024. As of September 30, 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 $5.65 billion in net available liquidity as of September 30, 2024, which consisted of $2.50 billion of net available internal liquidity and $3.15 billion in net available external liquidity. Details on the Company’s available liquidity as of September 30, 2024 are included below.
(In thousands)Total AvailableAmount UsedNet Availability
Internal Sources
Unpledged investment securities (market value)$1,509,661 $— $1,509,661 
Cash at FRB718,881 — 718,881 
Other liquid cash accounts270,411 — 270,411 
   Total Internal Liquidity2,498,953 — 2,498,953 
External Sources
FHLB4,804,845 1,838,171 2,966,674 
FRB Discount Window85,624 — 85,624 
BTFP (par value)700,000 700,000 — 
FNBB55,000 — 55,000 
Other45,000 — 45,000 
    Total External Liquidity5,690,469 2,538,171 3,152,298 
         Total Available Liquidity$8,189,422 $2,538,171 $5,651,251 

The Company has continued to limit its exposure to uninsured deposits. As of September 30, 2024, the Company held approximately $8.18 billion in uninsured deposits of which $766.2 million were intercompany subsidiary deposit balances and $2.81 billion were collateralized deposits, for a net position of $4.61 billion. This represents approximately 27.6% of total deposits. As of September 30, 2024, net available liquidity exceeded uninsured and uncollateralized deposits by $1.04 billion.


(in thousands)As of
September 30, 2024
Uninsured Deposits$8,179,825 
Intercompany Subsidiary and Affiliate Balances766,247 
Collateralized Deposits2,806,436 
Net Uninsured Position$4,607,142 
Total Available Liquidity$5,651,251 
Net Uninsured Position4,607,142 
Net Available Liquidity in Excess of Uninsured Deposits$1,044,109 
In the event the Company’s $4.61 billion net position of uninsured deposits had been called by depositors on the first day of the third 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 $72.3 million for the quarter ended September 30, 2024. The outflow of deposits could have been funded through available sources of liquidity without selling our investment securities. In this event, based on the Company’s profitability level for the quarter ended September 30, 2024, the Company estimates that it would still have achieved return on average assets (ROA) of 1.26% for the quarter ended September 30, 2024.

Operating Highlights
Net income for the three-month period ended September 30, 2024 was $100.0 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 $99.0 million(1) and $0.50 per share(1), respectively, for the three months ended September 30, 2024.
During the quarter ended September 30, 2024, the Company recorded $18.9 million in credit loss expense. The $18.9 million of credit loss expense includes $18.2 million in provision for credit losses on loans. Of the $18.2 million provision for credit losses on loans recorded, $16.7 million was an additional hurricane reserve for loans located in the FEMA disaster areas impacted by Hurricane Helene, which made landfall during the quarter. The additional hurricane reserve had a six cent impact to diluted earnings per share for the quarter. The remaining portion of the provision was related to loan growth. The Company also recorded a $1.0 million provision for credit losses on unfunded commitments due to an increase in the balance of unfunded commitments. In addition, we recorded a $330,000 recovery of credit losses on available for sale investments due to an improvement in the unrealized losses for one of our subordinated debt investments.
Our net interest margin was 4.28% for the three-month period ended September 30, 2024, compared to 4.27% for the three-month period ended June 30, 2024. The yield on loans was 7.60% and 7.54% for the three months ended September 30, 2024 and June 30, 2024, respectively, as average loans increased from $14.65 billion to $14.76 billion. Additionally, the rate on interest bearing deposits increased to 3.02% as of September 30, 2024, from 3.00% as of June 30, 2024, while average interest-bearing deposits increased from $12.85 billion to $12.87 billion.
During the third quarter of 2024, there was $573,000 of event interest income compared to $1.7 million of event interest income for the second quarter of 2024.


Purchase accounting accretion on acquired loans was $1.9 million for both three-month periods ended September 30, 2024 and June 30, 2024, and average purchase accounting loan discounts were $20.8 million and $22.8 million for the three-month periods ended September 30, 2024 and June 30, 2024, respectively.
Net interest income on a fully taxable equivalent basis was $217.8 million for the three-month period ended September 30, 2024, and $214.5 million for the three-month period ended June 30, 2024. This increase in net interest income for the three-month period ended September 30, 2024, was the result of a $5.5 million increase in interest income, partially offset by a $2.1 million increase in interest expense. The $5.5 million increase in interest income was primarily the result of a $7.6 million increase in loan interest income, which was partially offset by a $1.7 million decrease in investment income and a $468,000 decrease in income from interest-bearing balances due from banks. The increase in interest income is primarily the result the growth in interest-earning assets and the current high interest rate environment. The $2.1 million increase in interest expense was due to a $2.0 million increase in interest expense on deposits. The increase in interest expense is also a result of the growth of average interest-bearing deposits and the current high interest rate environment.
The Company reported $42.8 million of non-interest income for the third quarter of 2024. The most important components of third quarter non-interest income were $10.5 million from other service charges and fees, $9.9 million from service charges on deposit accounts, $7.5 million from other income, $4.4 million from trust fees, $4.4 million in mortgage lending income, $2.6 million from dividends from FHLB, FRB, FNBB and other, $1.4 million from the fair value adjustment for marketable securities and $1.2 million from the increase in cash value of life insurance.
Non-interest expense for the third quarter of 2024 was $110.0 million. The most important components of non-interest expense were $58.9 million from salaries and employee benefits, $27.6 million in other operating expense, $14.5 million in occupancy and equipment expenses and $9.1 million in data processing expenses. For the third quarter of 2024, our efficiency ratio was 41.42%, and our efficiency ratio, as adjusted (non-GAAP), was 41.66%(1).

Financial Condition
Total loans receivable were $14.82 billion at September 30, 2024, compared to $14.78 billion at June 30, 2024. Total deposits were $16.71 billion at September 30, 2024, compared to $16.96 billion at June 30, 2024. Total assets were $22.82 billion at September 30, 2024, compared to $22.92 billion at June 30, 2024.
During the third quarter of 2024, the Company experienced approximately $42.5 million in loan growth. Our community banking footprint experienced $131.6 million in organic loan growth during the quarter ended September 30, 2024, and Centennial CFG experienced $89.1 million of organic loan decline and had loans of $2.00 billion at September 30, 2024.
Non-performing loans to total loans were 0.68% and 0.58% at September 30, 2024 and June 30, 2024, respectively. Non-performing assets to total assets were 0.63% and 0.56% at September 30, 2024 and June 30, 2024, respectively. Net charge-offs were $1.5 million and $2.4 million for the three months ended September 30, 2024 and June 30, 2024, respectively.
Non-performing loans at September 30, 2024 were $30.3 million, $40.8 million, $20.0 million, $391,000, $6.8 million and $2.8 million in the Arkansas, Florida, Texas, Alabama, Shore Premier Finance and Centennial CFG markets, respectively, for a total of $101.1 million. Non-performing assets at September 30, 2024 were $30.4 million, $48.1 million, $33.0 million, $391,000, $6.8 million and $25.5


million in the Arkansas, Florida, Texas, Alabama, Shore Premier Finance and Centennial CFG markets, respectively, for a total of $144.2 million.
The Company’s allowance for credit losses on loans was $312.6 million at September 30, 2024, or 2.11% of total loans, compared to the allowance for credit losses on loans of $295.9 million, or 2.00% of total loans, at June 30, 2024. As of September 30, 2024 and June 30, 2024, the Company’s allowance for credit losses on loans was 309.16% and 342.66% of its total non-performing loans, respectively.
Stockholders’ equity was $3.96 billion at September 30, 2024, compared to $3.86 billion at June 30, 2024, an increase of approximately $104.3 million. The net increase in stockholders’ equity is primarily associated with the $61.2 million increase in retained earnings and $66.9 million reduction in accumulated other comprehensive loss, partially offset by the $26.9 million in stock repurchases. Book value per common share was $19.91 at September 30, 2024, compared to $19.30 at June 30, 2024. Tangible book value per common share (non-GAAP) was $12.67(1) at September 30, 2024, compared to $12.08(1) at June 30, 2024.
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, October 17, 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/608252755. 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=96a4b06e&confId=71177. 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: 892187. A replay of the call will be available by calling 1-866-813-9403, Passcode: 629464, which will be available until October 24, 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; 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; the impacts of recent or future adverse weather events, including hurricanes, and other natural disasters; disruptions, uncertainties and related effects on credit quality, liquidity and other aspects of our business and operations that may result from any future public health crises; 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) Sep 30,
2024		Jun 30,
2024		Mar 31,
2024		Dec 31,
2023		Sep 30,
2023
ASSETS
 Cash and due from banks $265,408 $229,209 $205,262 $226,363 $229,474 
 Interest-bearing deposits with other banks 752,269 829,507 969,996 773,850 258,605 
    Cash and cash equivalents 1,017,677 1,058,716 1,175,258 1,000,213 488,079 
Federal funds sold6,425 — 5,200 5,100 3,925 
Investment securities - available-for-sale,
     net of allowance for credit losses		3,270,620 3,344,539 3,400,884 3,507,841 3,472,173 
 Investment securities - held-to-maturity,
     net of allowance for credit losses 		1,277,090 1,278,853 1,280,586 1,281,982 1,283,475 
    Total investment securities 4,547,710 4,623,392 4,681,470 4,789,823 4,755,648 
 Loans receivable 14,823,979 14,781,457 14,513,673 14,424,728 14,271,833 
 Allowance for credit losses (312,574)(295,856)(290,294)(288,234)(285,562)
    Loans receivable, net 14,511,405 14,485,601 14,223,379 14,136,494 13,986,271 
 Bank premises and equipment, net 388,776 383,691 389,618 393,300 397,093 
 Foreclosed assets held for sale 43,040 41,347 30,650 30,486 691 
 Cash value of life insurance 219,353 218,198 215,424 214,516 213,351 
 Accrued interest receivable 118,871 120,984 119,029 118,966 110,946 
 Deferred tax asset, net 176,629 195,041 202,882 197,164 222,741 
 Goodwill 1,398,253 1,398,253 1,398,253 1,398,253 1,398,253 
 Core deposit intangible42,395 44,490 46,630 48,770 51,023 
 Other assets 352,583 350,192 347,928 323,573 322,617 
    Total assets $22,823,117 $22,919,905 $22,835,721 $22,656,658 $21,950,638 
LIABILITIES AND STOCKHOLDERS' EQUITY
 Deposits:
    Demand and non-interest-bearing $3,937,168 $4,068,302 $4,115,603 $4,085,501 $4,280,429 
    Savings and interest-bearing transaction
        accounts
10,966,426 11,150,516 11,047,258 11,050,347 10,786,087 
    Time deposits 1,802,116 1,736,985 1,703,269 1,651,863 1,452,229 
       Total deposits 16,705,710 16,955,803 16,866,130 16,787,711 16,518,745 
 Securities sold under agreements to repurchase 179,416 137,996 176,107 142,085 160,120 
 FHLB and other borrowed funds 1,300,750 1,301,050 1,301,050 1,301,300 1,001,550 
 Accrued interest payable and other liabilities 238,058 230,011 241,345 194,653 175,367 
 Subordinated debentures 439,394 439,542 439,688 439,834 439,982 
    Total liabilities 18,863,328 19,064,402 19,024,320 18,865,583 18,295,764 
 Stockholders' equity
 Common stock 1,989 1,997 2,008 2,015 2,023 
 Capital surplus 2,272,100 2,295,893 2,326,824 2,348,023 2,363,210 
 Retained earnings 1,880,562 1,819,412 1,753,994 1,690,112 1,640,171 
 Accumulated other comprehensive loss(194,862)(261,799)(271,425)(249,075)(350,530)
    Total stockholders' equity 3,959,789 3,855,503 3,811,401 3,791,075 3,654,874 
     Total liabilities and stockholders' equity $22,823,117 $22,919,905 $22,835,721 $22,656,658 $21,950,638 


Home BancShares, Inc.
Consolidated Statements of Income
(Unaudited)
 Quarter Ended Nine Months Ended
(In thousands)Sep 30,
2024		Jun 30,
2024		Mar 31,
2024		Dec 31,
2023		Sep 30,
2023		Sep 30,
2024		Sep 30,
2023
 Interest income:
   Loans $281,977 $274,324 $265,294 $260,003 $249,464 $821,595 $729,613 
   Investment securities
       Taxable 31,006 32,587 33,229 34,016 34,520 96,822 104,559 
       Tax-exempt 7,704 7,769 7,803 7,855 7,868 23,276 23,763 
   Deposits - other banks 12,096 12,564 10,528 4,281 2,328 35,188 10,742 
   Federal funds sold 62 59 61 65 82 182 156 
 Total interest income 332,845 327,303 316,915 306,220 294,262 977,063 868,833 
 Interest expense:
    Interest on deposits 97,785 95,741 92,548 87,971 78,698 286,074 208,007 
    Federal funds purchased 1 — — — 1 1 3 
    FHLB and other borrowed funds 14,383 14,255 14,276 9,878 8,161 42,914 20,947 
    Securities sold under agreements to
        repurchase
1,335 1,363 1,404 1,480 1,344 4,102 3,333 
    Subordinated debentures 4,121 4,122 4,097 4,121 4,121 12,340 12,368 
 Total interest expense 117,625 115,481 112,325 103,450 92,325 345,431 244,658 
 Net interest income 215,220 211,822 204,590 202,770 201,937 631,632 624,175 
    Provision for credit losses on loans 18,200 8,000 5,500 5,650 2,800 31,700 6,300 
    Provision for (recovery of) credit losses on
        unfunded commitments
1,000 — (1,000)— (1,500)— (1,500)
    (Recovery of) provision for credit losses on
        investment securities
(330)— — — — (330)1,683 
 Total credit loss expense18,870 8,000 4,500 5,650 1,300 31,370 6,483 
 Net interest income after credit loss expense 196,350 203,822 200,090 197,120 200,637 600,262 617,692 
 Non-interest income:
    Service charges on deposit accounts 9,888 9,714 9,686 10,072 10,062 29,288 29,135 
    Other service charges and fees 10,490 10,679 10,189 10,422 10,128 31,358 33,766 
    Trust fees 4,403 4,722 5,066 4,316 4,660 14,191 13,576 
    Mortgage lending income 4,437 4,276 3,558 2,385 3,132 12,271 8,353 
    Insurance commissions 595 565 508 480 562 1,668 1,606 
    Increase in cash value of life insurance 1,161 1,279 1,195 1,170 1,170 3,635 3,485 
    Dividends from FHLB, FRB, FNBB & other 2,637 2,998 3,007 3,010 2,916 8,642 8,632 
    Gain on SBA loans 145 56 198 42 97 399 236 
    Gain (loss) on branches, equipment and other
       assets, net 		32 2,052 (8)583 — 2,076 924 
    Gain on OREO, net 85 49 17 13 — 151 319 
    Fair value adjustment for marketable
        securities
1,392 (274)1,003 5,024 4,507 2,121 (6,118)
    Other income 7,514 6,658 7,380 5,331 6,179 21,552 33,172 
 Total non-interest income 42,779 42,774 41,799 42,848 43,413 127,352 127,086 
 Non-interest expense:
    Salaries and employee benefits 58,861 60,427 60,910 63,430 64,512 180,198 193,536 
    Occupancy and equipment 14,546 14,408 14,551 14,965 15,463 43,505 45,338 
    Data processing expense 9,088 8,935 9,147 9,107 9,103 27,170 27,222 
    Other operating expenses 27,550 29,415 26,888 39,673 25,684 83,853 79,592 
 Total non-interest expense 110,045 113,185 111,496 127,175 114,762 334,726 345,688 
 Income before income taxes 129,084 133,411 130,393 112,793 129,288 392,888 399,090 
    Income tax expense29,046 31,881 30,284 26,550 30,835 91,211 92,404 
 Net income $100,038 $101,530 $100,109 $86,243 $98,453 $301,677 $306,686 


Home BancShares, Inc.
Selected Financial Information
(Unaudited)
Quarter EndedNine Months Ended
(Dollars and shares in thousands, except per share data)Sep 30, 2024Jun 30, 2024Mar 31, 2024Dec 31, 2023Sep 30, 2023Sep 30, 2024Sep 30, 2023
PER SHARE DATA
Diluted earnings per common share$0.50$0.51$0.50$0.43$0.49$1.51$1.51
Diluted earnings per common share, as adjusted
    (non-GAAP)(1)
0.500.520.490.460.471.511.51
Basic earnings per common share0.500.510.500.430.491.511.51
Dividends per share - common0.1950.180.180.180.180.5550.54
Book value per common share19.9119.3018.9818.8118.0619.9118.06
Tangible book value per common share
     (non-GAAP)(1)
12.6712.0811.7911.6310.9012.6710.90
STOCK INFORMATION
Average common shares outstanding199,380200,319201,210201,756202,526200,300202,921
Average diluted shares outstanding199,461200,465201,390201,891202,650200,430203,068
End of period common shares outstanding198,879199,746200,797201,526202,323198,879202,323
ANNUALIZED PERFORMANCE METRICS
Return on average assets (ROA)1.74 %1.79 %1.78 %1.55 %1.78 %1.77 %1.84 %
Return on average assets, as adjusted:
     (ROA, as adjusted) (non-GAAP)(1)
1.72 1.83 1.76 1.66 1.72 1.77 1.84 
Return on average assets excluding intangible
     amortization (non-GAAP)(1)
1.88 1.94 1.93 1.69 1.95 1.92 2.01 
Return on average assets, as adjusted, excluding
     intangible amortization (non-GAAP)(1)
1.86 1.98 1.91 1.81 1.87 1.92 2.00 
Return on average common equity (ROE)10.23 10.73 10.64 9.36 10.65 10.53 11.32 
Return on average common equity, as adjusted:
     (ROE, as adjusted) (non-GAAP)(1)
10.12 10.98 10.54 10.00 10.25 10.55 11.30 
Return on average tangible common equity
     (ROTCE) (non-GAAP)(1)
16.26 17.29 17.22 15.49 17.62 16.91 18.90 
Return on average tangible common equity, as adjusted:
     (ROTCE, as adjusted) (non-GAAP)(1)
16.09 17.69 17.07 16.56 16.95 16.94 18.87 
Return on average tangible common equity excluding
     intangible amortization (non-GAAP)(1)
16.51 17.56 17.50 15.80 17.95 17.18 19.24 
Return on average tangible common equity, as adjusted,
     excluding intangible amortization (non-GAAP)(1)
16.34 17.97 17.34 16.87 17.29 17.20 19.22 
(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, 2024Jun 30, 2024Mar 31, 2024Dec 31, 2023Sep 30, 2023Sep 30, 2024Sep 30, 2023
Efficiency ratio41.42 %43.17 %44.22 %50.64 %45.53 %42.91 %44.76 %
Efficiency ratio, as adjusted (non-GAAP)(1)
41.66 42.59 44.43 46.43 46.44 42.87 44.86 
Net interest margin - FTE (NIM)4.28 4.27 4.13 4.17 4.19 4.23 4.28 
Fully taxable equivalent adjustment$2,616$2,628$892$1,091$1,293$6,136$4,415
Total revenue (net)257,999254,596246,389245,618245,350758,984751,261
Pre-tax, pre-provision, net income (PPNR)
     (non-GAAP)(1)
147,954141,411134,893118,443130,588424,258405,573
PPNR, as adjusted (non-GAAP)(1)
146,562141,886133,728126,402125,743422,176405,113
Pre-tax net income to total revenue (net)50.03 %52.40 %52.92 %45.92 %52.70 %51.76 %53.12 %
Pre-tax net income, as adjusted, to total revenue (net) (non-GAAP)(1)
49.49 52.59 52.45 49.16 50.72 51.49 53.06 
P5NR ((Pre-tax, pre-provision, profit percentage) (PPNR to total revenue (net)) (non-GAAP)(1)
57.35 55.54 54.75 48.22 53.23 55.90 53.99 
P5NR, as adjusted (non-GAAP)(1)
56.81 55.73 54.28 51.46 51.25 55.62 53.92 
Total purchase accounting accretion$1,878$1,873$2,772$2,324$2,431$6,523$8,263
Average purchase accounting loan discounts20,83222,78824,82027,39729,91522,81332,656
OTHER OPERATING EXPENSES
Advertising$1,810$1,692$1,654$2,226$2,295$5,156$6,624
Amortization of intangibles2,0952,1402,1402,2532,4776,3757,432
Electronic banking expense3,5693,4123,1563,5993,70910,13710,714
Directors' fees3624234983994171,2831,415
Due from bank service charges302282276274282860841
FDIC and state assessment3,3605,4943,31816,0162,79412,1729,514
Insurance9269059038738782,7342,694
Legal and accounting1,9022,6172,0811,1921,5146,6004,038
Other professional fees2,0622,1082,2361,6402,1176,4067,175
Operating supplies6736136837778601,9692,361
Postage5224975235034911,5421,578
Telephone4554444705155441,3691,645
Other expense9,5128,7888,9509,4067,30627,25023,561
        Total other operating expenses $27,550$29,415$26,888$39,673$25,684$83,853$79,592
(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,
2024		Jun 30,
2024		Mar 31,
2024		Dec 31,
2023		Sep 30,
2023
BALANCE SHEET RATIOS
Total loans to total deposits88.74 %87.18 %86.05 %85.92 %86.40 %
Common equity to assets17.35 16.82 16.69 16.73 16.65 
Tangible common equity to tangible assets
     (non-GAAP)(1)
11.78 11.23 11.06 11.05 10.76 
LOANS RECEIVABLE
Real estate
Commercial real estate loans
     Non-farm/non-residential$5,496,536$5,599,925$5,616,965$5,549,954$5,614,259
Construction/land development2,741,4192,511,8172,330,5552,293,0472,154,030
Agricultural335,965345,461337,618325,156336,160
Residential real estate loans
Residential 1-4 family1,932,3521,910,1431,899,9741,844,2601,808,248
Multifamily residential482,648509,091415,926435,736444,239
Total real estate10,988,92010,876,43710,601,03810,448,15310,356,936
Consumer1,219,1971,189,3861,163,2281,153,6901,153,461
Commercial and industrial2,084,6672,242,0722,284,7752,324,9912,195,678
Agricultural352,963314,600278,609307,327332,608
Other178,232158,962186,023190,567233,150
Loans receivable$14,823,979$14,781,457$14,513,673$14,424,728$14,271,833
ALLOWANCE FOR CREDIT LOSSES
Balance, beginning of period$295,856$290,294$288,234$285,562$285,683
Loans charged off2,0013,0983,9783,5923,449
Recoveries of loans previously charged off519660538614528
Net loans charged off1,4822,4383,4402,9782,921
Provision for credit losses - loans 18,2008,0005,5005,6502,800
Balance, end of period$312,574$295,856$290,294$288,234$285,562
Net charge-offs to average total loans0.04 %0.07 %0.10 %0.08 %0.08 %
Allowance for credit losses to total loans2.11 2.00 2.00 2.00 2.00 
NON-PERFORMING ASSETS
Non-performing loans
Non-accrual loans$95,747$78,090$67,055$59,971$84,184
Loans past due 90 days or more5,3568,25112,9284,1306,674
Total non-performing loans101,10386,34179,98364,10190,858
Other non-performing assets
Foreclosed assets held for sale, net43,04041,34730,65030,486691
Other non-performing assets63636378564
Total other non-performing assets43,10341,41030,71331,271755
Total non-performing assets$144,206$127,751$110,696$95,372$91,613
Allowance for credit losses for loans to non-performing loans309.16 %342.66 %362.94 %449.66 %314.29 %
Non-performing loans to total loans0.68 0.58 0.55 0.44 0.64 
Non-performing assets to total assets0.63 0.56 0.48 0.42 0.42 
(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, 2024June 30, 2024
(Dollars in thousands)Average
Balance		Income/
Expense		Yield/
Rate		Average
Balance		Income/
Expense		Yield/
Rate
ASSETS
Earning assets
Interest-bearing balances due from banks$903,456 $12,096 5.33 %$929,916 $12,564 5.43 %
Federal funds sold4,629 62 5.33 4,424 59 5.36 
Investment securities - taxable3,391,838 31,006 3.64 3,445,769 32,587 3.80 
Investment securities - non-taxable - FTE1,163,568 10,181 3.48 1,185,001 10,254 3.48 
Loans receivable - FTE14,762,667 282,116 7.60 14,648,564 274,467 7.54 
Total interest-earning assets20,226,158 335,461 6.60 20,213,674 329,931 6.56 
Non-earning assets2,667,626 2,662,275 
Total assets$22,893,784 $22,875,949 
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Interest-bearing liabilities
Savings and interest-bearing transaction accounts$11,095,572 $79,232 2.84 %$11,118,587 $77,928 2.82 %
Time deposits1,769,952 18,553 4.17 1,732,610 17,813 4.14 
Total interest-bearing deposits12,865,524 97,785 3.02 12,851,197 95,741 3.00 
     Federal funds purchased43 1 9.25 33 — — 
     Securities sold under agreement to
         repurchase
157,178 1,335 3.38 159,899 1,363 3.43 
     FHLB and other borrowed funds1,300,876 14,383 4.40 1,301,050 14,255 4.41 
     Subordinated debentures439,467 4,121 3.73 439,613 4,122 3.77 
    Total interest-bearing liabilities14,763,088 117,625 3.17 14,751,792 115,481 3.15 
Non-interest bearing liabilities
Non-interest bearing deposits3,993,187 4,083,916 
Other liabilities247,797 234,441 
Total liabilities19,004,072 19,070,149 
Shareholders' equity3,889,712 3,805,800 
Total liabilities and shareholders' equity$22,893,784 $22,875,949 
Net interest spread3.43 %3.41 %
Net interest income and margin - FTE$217,836 4.28 $214,450 4.27 


Home BancShares, Inc.
Consolidated Net Interest Margin
(Unaudited)
Nine Months Ended
September 30, 2024September 30, 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$878,368 $35,188 5.35 %$313,637 $10,742 4.58 %
Federal funds sold4,688 182 5.19 3,577 156 5.83 
Investment securities - taxable3,436,874 96,822 3.76 3,726,710 104,559 3.75 
Investment securities - non-taxable - FTE1,202,003 29,077 3.23 1,280,947 27,848 2.91 
Loans receivable - FTE14,633,382 821,930 7.50 14,307,358 729,943 6.82 
Total interest-earning assets20,155,315 983,199 6.52 19,632,229 873,248 5.95 
Non-earning assets2,662,627 2,640,096 
Total assets$22,817,942 $22,272,325 
LIABILITIES AND SHAREHOLDERS' EQUITY
Liabilities
Interest-bearing liabilities
Savings and interest-bearing transaction accounts$11,084,397 $232,757 2.80 %$11,246,350 $185,560 2.21 %
Time deposits1,729,400 53,317 4.12 1,189,620 22,447 2.52 
Total interest-bearing deposits12,813,797 286,074 2.98 12,435,970 208,007 2.24 
     Federal funds purchased26 1 5.14 59 3 6.80 
     Securities sold under agreement to
         repurchase
163,013 4,102 3.36 144,603 3,333 3.08 
     FHLB and other borrowed funds1,301,005 42,914 4.41 701,748 20,947 3.99 
     Subordinated debentures439,613 12,340 3.75 440,199 12,368 3.76 
    Total interest-bearing liabilities14,717,454 345,431 3.14 13,722,579 244,658 2.38 
Non-interest bearing liabilities
Non-interest bearing deposits4,031,447 4,729,515 
Other liabilities242,422 197,498 
Total liabilities18,991,323 18,649,592 
Shareholders' equity3,826,619 3,622,733 
Total liabilities and shareholders' equity$22,817,942 $22,272,325 
Net interest spread3.38 %3.57 %
Net interest income and margin - FTE$637,768 4.23 $628,590 4.28 


Home BancShares, Inc.
Non-GAAP Reconciliations
(Unaudited)
 Quarter EndedNine Months Ended
(Dollars and shares in thousands,
except per share data)		Sep 30,
2024		Jun 30,
2024		Mar 31,
2024		Dec 31,
2023		Sep 30,
2023		Sep 30,
2024		Sep 30,
2023
EARNINGS, AS ADJUSTED
GAAP net income available to common shareholders (A)$100,038$101,530$100,109$86,243$98,453$301,677$306,686
Pre-tax adjustments
FDIC special assessment—2,260—12,983—2,260—
BOLI death benefits——(162)—(338)(162)(3,117)
Gain on sale of building—(2,059)———(2,059)—
Fair value adjustment for marketable securities(1,392)274(1,003)(5,024)(4,507)(2,121)6,118
Recoveries on historic losses——————(3,461)
Total pre-tax adjustments(1,392)475(1,165)7,959(4,845)(2,082)(460)
Tax-effect of adjustments(348)119(251)1,989(1,112)(480)(30)
Deferred tax asset write-down—2,030———2,030—
Total adjustments after-tax (B)(1,044)2,386(914)5,970(3,733)428(430)
Earnings, as adjusted (C)$98,994$103,916$99,195$92,213$94,720$302,105$306,256
Average diluted shares outstanding (D)199,461200,465201,390201,891202,650200,430203,068
GAAP diluted earnings per share: (A/D)$0.50$0.51$0.50$0.43$0.49$1.51$1.51
Adjustments after-tax: (B/D)—0.01(0.01)0.03(0.02)——
Diluted earnings per common share, as adjusted: (C/D)$0.50$0.52$0.49$0.46$0.47$1.51$1.51
ANNUALIZED RETURN ON AVERAGE ASSETS
Return on average assets: (A/E)1.74 %1.79 %1.78 %1.55 %1.78 %1.77 %1.84 %
Return on average assets, as adjusted: (ROA, as adjusted) ((A+D)/E)1.72 1.83 1.76 1.66 1.72 1.77 1.84 
Return on average assets excluding intangible amortization: ((A+C)/(E-F))1.88 1.94 1.93 1.69 1.95 1.92 2.01 
Return on average assets, as adjusted, excluding intangible amortization: ((A+C+D)/(E-F))1.86 1.98 1.91 1.81 1.87 1.92 2.00 
GAAP net income available to common shareholders (A)$100,038$101,530$100,109$86,243$98,453$301,677$306,686
Amortization of intangibles (B)2,0952,1402,1402,2532,4776,3757,432
Amortization of intangibles after-tax (C)1,5721,6051,6051,6901,8664,7825,598
Adjustments after-tax (D)(1,044)2,386(914)5,970(3,733)428(430)
Average assets (E)22,893,78422,875,94922,683,25922,056,44021,902,43422,817,94222,272,325
Average goodwill & core deposit intangible (F)1,441,6541,443,7781,445,9021,448,0611,450,4781,443,7701,452,933


Home BancShares, Inc.
Non-GAAP Reconciliations
(Unaudited)
 Quarter EndedNine Months Ended
(Dollars in thousands)Sep 30,
2024		Jun 30,
2024		Mar 31,
2024		Dec 31,
2023		Sep 30,
2023		Sep 30,
2024		Sep 30,
2023
ANNUALIZED RETURN ON AVERAGE COMMON EQUITY
Return on average common equity: (A/D)10.23 %10.73 %10.64 %9.36 %10.65 %10.53 %11.32 %
Return on average common equity, as adjusted: (ROE, as adjusted) ((A+C)/D)10.12 10.98 10.54 10.00 10.25 10.55 11.30 
Return on average tangible common equity:
    (A/(D-E))		16.26 17.29 17.22 15.49 17.62 16.91 18.90 
Return on average tangible common equity, as adjusted: (ROTCE, as adjusted) ((A+C)/(D-E))16.09 17.69 17.07 16.56 16.95 16.94 18.87 
Return on average tangible common equity excluding intangible amortization: (B/(D-E))16.51 17.56 17.50 15.80 17.95 17.18 19.24 
Return on average tangible common equity, as adjusted, excluding intangible amortization: ((B+C)/(D-E))16.34 17.97 17.34 16.87 17.29 17.20 19.22 
GAAP net income available to common shareholders (A)$100,038$101,530$100,109$86,243$98,453$301,677$306,686
Earnings excluding intangible amortization (B)101,610103,135101,71487,933100,319306,459312,284
Adjustments after-tax (C)(1,044)2,386(914)5,970(3,733)428(430)
Average common equity (D)3,889,7123,805,8003,783,6523,656,7203,667,3393,826,6193,622,733
Average goodwill & core deposits intangible (E)1,441,6541,443,7781,445,9021,448,0611,450,4781,443,7701,452,933
EFFICIENCY RATIO & P5NR
Efficiency ratio: ((D-G)/(B+C+E))41.42 %43.17 %44.22 %50.64 %45.53 %42.91 %44.76 %
Efficiency ratio, as adjusted: ((D-G-I)/(B+C+E-H))41.66 42.59 44.43 46.43 46.44 42.87 44.86 
Pre-tax net income to total revenue (net) (A/(B+C))50.03 52.40 52.92 45.92 52.70 51.76 53.12 
Pre-tax net income, as adjusted, to total revenue (net) ((A+F)/(B+C))49.49 52.59 52.45 49.16 50.72 51.49 53.06 
Pre-tax, pre-provision, net income (PPNR) (B+C-D)$147,954$141,411$134,893$118,443$130,588$424,258$405,573
Pre-tax, pre-provision, net income, as adjusted (B+C-D+F)146,562141,886133,728126,402125,743422,176405,113
P5NR ((Pre-tax, pre-provision, profit percentage) PPNR to total revenue (net)) (B+C-D)/(B+C)
57.35 %55.54 %54.75 %48.22 %53.23 %55.90 %53.99 %
P5NR, as adjusted (B+C-D+F-G)/(B+C)
56.81 55.73 54.28 51.46 51.25 55.62 53.92 
Pre-tax net income (A)$129,084$133,411$130,393$112,793$129,288$392,888$399,090
Net interest income (B)215,220211,822204,590202,770201,937631,632624,175
Non-interest income (C)42,77942,77441,79942,84843,413127,352127,086
Non-interest expense (D)110,045113,185111,496127,175114,762334,726345,688
Fully taxable equivalent adjustment (E)2,6162,6288921,0911,2936,1364,415
Total pre-tax adjustments (F)(1,392)475(1,165)7,959(4,845)(2,082)(460)
Amortization of intangibles (G)2,0952,1402,1402,2532,4776,3757,432
Adjustments:
Non-interest income:
Fair value adjustment for marketable securities$1,392$(274)$1,003$5,024$4,507$2,121$(6,118)
Gain on OREO85491713—151319
Gain (loss) on branches, equipment and other assets, net322,052(8)583—2,076924
BOLI death benefits——162—3381623,117
Recoveries on historic losses——————3,461
Total non-interest income adjustments (H)$1,509$1,827$1,174$5,620$4,845$4,510$1,703
Non-interest expense:
FDIC special assessment—2,260—12,983—2,260—
Total non-interest expense adjustments (I)$—$2,260$—$12,983$—$2,260$—


Home BancShares, Inc.
Non-GAAP Reconciliations
(Unaudited)
Quarter Ended
Sep 30,
2024		Jun 30,
2024		Mar 31,
2024		Dec 31,
2023		Sep 30,
2023
TANGIBLE BOOK VALUE PER COMMON SHARE
Book value per common share: (A/B)$19.91$19.30$18.98$18.81$18.06
Tangible book value per common share: ((A-C-D)/B)12.6712.0811.7911.6310.90
Total stockholders' equity (A)$3,959,789$3,855,503$3,811,401$3,791,075$3,654,874
End of period common shares outstanding (B)198,879199,746200,797201,526202,323
Goodwill (C)1,398,2531,398,2531,398,2531,398,2531,398,253
Core deposit and other intangibles (D)42,39544,49046,63048,77051,023
TANGIBLE COMMON EQUITY TO TANGIBLE ASSETS
Equity to assets: (B/A)17.35 %16.82 %16.69 %16.73 %16.65 %
Tangible common equity to tangible assets: ((B-C-D)/(A-C-D))11.78 11.23 11.06 11.05 10.76 
Total assets (A)$22,823,117$22,919,905$22,835,721$22,656,658$21,950,638
Total stockholders' equity (B)3,959,7893,855,5033,811,4013,791,0753,654,874
Goodwill (C)1,398,2531,398,2531,398,2531,398,2531,398,253
Core deposit and other intangibles (D)42,39544,49046,63048,77051,023

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Cover
Feb. 24, 2022
Cover [Abstract]  
Document Type 8-K
Document Period End Date Oct. 16, 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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