财务数据和关键指标变化 - 收入为2.454亿美元,略有下降 [29] - 资产收益率为1.78%,目标为1.80%或更高 [29] - 净息差为4.19%,较上季度下降9个基点 [29] - 有形普通股权益回报率为17.62% [29] 各条业务线数据和关键指标变化 - 贷款需求约为正常水平的一半,公司预计第四季度将有贷款增长 [32] - 贷款收益率从6.48%上升至6.98%,上升14个基点 [32] - 第三季度贷款承诺约6.6亿美元,上季度为13.4亿美元 [47] - 第三季度贷款偿还额为5.78亿美元,新贷款收益率超过偿还贷款收益率150个基点以上 [47] 各个市场数据和关键指标变化 - 德克萨斯州和佛罗里达州地区存款下降,阿肯色州地区相对稳定 [43][44] - 非计息存款占比从27%下降至26% [44] - 公司继续管理利率环境,在存款竞争和维护客户关系之间寻求平衡 [43] 公司战略和发展方向及行业竞争 - 公司关注资产质量、盈利能力和增长,保持谨慎的贷款标准 [51][52] - 公司正在审视各部门的开支,寻求降低成本的机会 [13][63][120] - 公司关注并评估潜在的并购机会,但目前大多数交易无法达成 [115][116] - 公司将继续关注存款获取、核心客户增长和维系 [46] 管理层对经营环境和未来前景的评论 - 管理层认为当前经济环境充满挑战,包括利率上升、融资压力和潜在的信贷问题 [6][10][18] - 管理层预计如果联储维持高利率时间较长,将对经济产生进一步影响 [22] - 管理层对公司的资本实力和流动性表示乐观,认为公司有能力应对未来的危机 [17][19][22][24] - 管理层认为公司有机会通过提高贷款收益率和控制成本来提高盈利能力 [12][63][119][120] 问答环节重要的提问和回答 问题1 **Stephen Scouten 提问** 询问公司是否会实施大规模的效率计划来降低开支 [67] **Tracy French 回答** 公司将审视各部门的开支,寻求降低成本的机会 [68] 问题2 **Matt Olney 提问** 询问公司对净息差的展望 [103][104] **Stephen Tipton 回答** 公司正在密切关注资产重定价与融资成本的变化,9月份净息差有所改善 [105][106] 问题3 **Brady Gailey 提问** 询问公司对2024年信贷质量的展望 [137][138][142][143] **Kevin Hester 回答** 公司密切关注贷款组合,并提前评估即将到期贷款的情况,以应对利率上升带来的影响 [138][142][143][144]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☑ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended June 30, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition period from ______ to ______ Commission File Number: 001-41093 HOME BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) Arkansas 71-068 ...

Home Bancshares, Inc. (Conway, AR) (NYSE:HOMB) Q2 2023 Earnings Conference Call July 20, 2023 2:00 PM ET Company Participants Donna Townsell - Director, Investor Relations John Allison - Chairman Tracy French - President and Chief Executive Officer, Centennial Bank Stephen Tipton - Chief Operating Officer Kevin Hester - Chief Lending Officer Brian Davis - Chief Financial Officer Chris Poulton - President, CCFG John Marshall - President, Shore Premier Finance Conference Call Participants Jon Arfstrom - RBC M ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☑ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended March 31, 2023 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition period from ______ to ______ Commission File Number: 001-41093 HOME BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) Arkansas 71-06 ...

财务数据和关键指标变化 - 总利息收入创历史新高,达到2.85亿美元 [19][20] - 净利息收入基本持平,为2.15亿美元 [21] - 总收入为2.49亿美元,受到持有公司银行股票和优先股公允价值调整的负面影响约11.4% [21][22] - 净利润为1.03亿美元,每股收益0.51美元,调整后每股收益0.54美元 [18] - 资产收益率为1.84%,调整后为1.95% [18] - 有形股本回报率为19.75%,调整后为20.90% [18] - 有形每股净值为10.71美元,较上年同期增长5.4% [18] 各条业务线数据和关键指标变化 - 贷款组合收益率为6.64%,较上年同期上升135个基点 [24] - 证券投资组合收益率为3.30% [24] - 公司继续保持较高的贷款损失准备金,占不良贷款的383% [16] 各个市场数据和关键指标变化 - 公司在西德克萨斯地区遇到一些逆风,已采取法律行动 [27] - 公司在其他地区的表现良好,有3个地区的资产收益率超过3%,1个地区超过4% [32] 公司战略和发展方向及行业竞争 - 公司将继续专注于服务现有客户,谨慎对待新的贷款机会 [103][104] - 公司不会积极寻求并购,而是专注于保护自身的流动性和资本实力 [87][88][89][103][104] - 公司认为行业内存在许多脆弱的银行,可能会出现一些并购或资产收购的机会 [133][134][135][144] 管理层对经营环境和未来前景的评论 - 管理层认为当前银行业环境充满挑战,不确定性较高,公司将保持谨慎和保守的策略 [133][134][135][137] - 管理层认为利率可能还会有一定上升,但幅度有限,公司将继续专注于资产负债管理 [133][134][135] - 管理层对公司的流动性、资本实力和资产质量保持高度自信,认为公司处于有利地位 [6][7][8][13][16] 问答环节重要的提问和回答 问题1 **Jon Arfstrom提问** 询问公司是否已经看到存款流出趋势有所缓解 [69] **John Allison回答** 公司存款流出情况有所改善,预计税季结束后会进一步好转,公司将继续保持谨慎的存款管理策略 [69][70][71] 问题2 **Matt Olney提问** 询问公司是否有关于并购的具体计划或目标 [87][88] **John Allison回答** 公司目前不会积极寻求并购,而是专注于保护自身的流动性和资本实力,等待未来可能出现的并购或资产收购机会 [87][88][89][103][104] 问题3 **Brady Gailey提问** 询问公司是否会继续保持较高的贷款损失准备金水平 [109][110] **John Allison回答** 公司将继续保持2%的贷款损失准备金水平,这是公司长期以来一直采用的保守策略 [109][110]

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-K (Mark One) ☑ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Fiscal Year Ended December 31, 2022 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition period from _____ to _____ Commission File Number: 001-41093 HOME BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) | Arkansas | | 71-068 ...

Home Bancshares, Inc. (Conway, AR) (NYSE:HOMB) Q4 2022 Earnings Conference Call January 19, 2023 2:00 PM ET Company Participants Donna Townsell - Senior EVP, Director, Investor Relations, Executive Officer & Director John Allison - Co-Founder, Chairman, President & CEO Kevin Hester - Chief Lending Officer & Executive Officer Chris Poulton - President, Centennial Commercial Finance Group Stephen Tipton - Chief Operating Officer & Executive Officer Brian Davis - CFO, Treasurer, Executive Officer & Director Tr ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☑ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended September 30, 2022 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition period from ______ to ______ Commission File Number: 001-41093 HOME BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) Arkansas 7 ...

Home Bancshares, Inc. (Conway, AR) (NYSE:HOMB) Q3 2022 Earnings Conference Call October 20, 2022 2:00 PM ET Company Participants Donna Townsell - Senior EVP, Director, Investor Relations, Executive Officer & Director John Allison - Co-Founder, Chairman, President & CEO Kevin Hester - Chief Lending Officer & Executive Officer Chris Poulton - President, Centennial Commercial Finance Group Stephen Tipton - Chief Operating Officer & Executive Officer Brian Davis - CFO, Treasurer, Executive Officer & Director Tr ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) ☑ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Quarterly Period Ended June 30, 2022 or ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the Transition period from ______ to ______ Commission File Number: 001-41093 HOME BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) Arkansas 71-068 ...