UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, DC 20549 FORM 10-Q (Mark One) (Exact Name of Registrant as Specified in Its Charter) Arkansas 71-0682831 (State or other jurisdiction of incorporation or organization) (I.R.S. 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 ☑ Quarterly Report Pursuant to Section 13 or 15(d) of the Secu ...

Financial Data and Key Metrics Changes - The company reported earnings per share (EPS) of $0.48 and profits of $71.9 million for Q2 2021, indicating solid performance [9] - Return on assets (ROA) ranged from 1.80% to 1.90%, with some periods exceeding 2% [15] - Total revenue net after interest expense was $365 million for the first half of 2021, compared to $694 million in 2020 [17] - The net interest margin (NIM) for Q2 2021 was 3.61%, a decrease of 41 basis points from Q1 [44] Business Line Data and Key Metrics Changes - Centennial Bank's total revenue for the first half of 2021 was $367 million, with a return on assets of 2.08% and a return on average tangible common equity of 19.66% [36] - Non-performing loans improved to 0.58%, while the allowance for loan lease losses was 2.48% [39] - CCFG generated modest growth with loan balances of approximately $1.56 billion, reflecting increased economic activity in key markets [74] Market Data and Key Metrics Changes - The company is sitting on $2.7 billion in cash, indicating a cautious approach to loan demand and investment opportunities [10] - The loan-to-deposit ratio is around 73%, suggesting a conservative lending strategy amidst excess liquidity in the market [38] Company Strategy and Development Direction - The company is focused on enhancing its environmental, social, and governance (ESG) initiatives and has formed partnerships with FinTech firms to accelerate technology adoption [5][6] - The management is actively seeking M&A opportunities but remains disciplined in avoiding dilution and pursuing only accretive transactions [18][25] Management's Comments on Operating Environment and Future Outlook - Management expressed frustration with loan demand but remains optimistic about potential growth in the second half of 2021 [62] - The company is closely monitoring inflation risks and believes that the current cash position will allow for strategic investments when opportunities arise [30][42] Other Important Information - The company has reversed $4.8 million of the unfunded commitment reserve liability, indicating improved credit quality [52] - The efficiency ratio for Centennial Bank was reported at 38.59% for the first half of 2021, reflecting strong operational performance [36] Q&A Session Summary Question: Update on M&A activity - Management is actively pursuing M&A opportunities and is further along in discussions than in previous times, focusing on finding like-minded partners [107] Question: NIM compression outlook - Management acknowledged ongoing pressures on NIM due to excess liquidity and competitive pricing but remains disciplined in their approach [109][111] Question: Loan growth dynamics - The lack of loan growth is attributed to both demand issues and the company's cautious lending practices in response to low rates [128] Question: Stock buyback activity - The company has engaged in stock buybacks and remains open to continuing this practice as stock prices fluctuate [134]

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, 2021 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: 000-51904 HOME BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) | Arkansas | | 71-0682831 | | --- | --- | --- ...

Home BancShares, Inc. (NYSE:HOMB) Q1 2021 Results Earnings Conference Call April 15, 2021 2:00 PM ET Company Participants Donna Townsell - Senior Executive Vice President and Director of Investor Relations John Allison - President and Chief Executive Officer Tracy French - Chairman Centennial Bank, President and Chief Executive Officer Brian Davis - Treasurer and Chief Financial Officer Kevin Hester - Chief Lending Officer Christopher Poulton - President, Centennial Commercial Finance Group John Marshall - ...

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 Transition period from to Commission File Number: 000-51904 HOME BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) | Arkansas 71-0682831 | | | | --- | --- | --- | | (State or other jurisdiction of (I.R.S. Employer | | | | incorporation or organization) Identification No.) | | | | 719 Harkrider, Suite 10 ...

Home BancShares, Inc. (NYSE:HOMB) Q4 2020 Earnings Conference Call January 21, 2020 2:00 PM ET Company Participants Donna Townsell - Senior EVP, Director, IR, Executive Officer & Director Tracy French - Executive Officer & Director Brian Davis - CFO, Treasurer, Executive Officer & Director Kevin Hester - Chief Lending Officer & Executive Officer Christopher Poulton - President, Centennial Commercial Finance Group John Marshall - President, Shore Premier Finance John Tipton - COO & Executive Officer John All ...

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, 2020 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: 000-51904 HOME BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) | Arkansas | 71-0682831 | | --- | --- | | ...

Home BancShares, Inc. (NYSE:HOMB) Q3 2020 Results Conference Call October 15, 2020 2:00 PM ET Company Participants Donna Townsell - Director, IR Tracy French - Chairman, President and CEO, Centennial Bank Brian Davis - CFO Kevin Hester - Chief Lending Officer Chris Poulton - President, CCFG John Marshall - President, Shore Premier Finance Stephen Tipton - COO John Allison - Chairman, President and CEO Conference Call Participants Brady Gailey - KBW Matt Olney - Stephens Stephen Scouten - Piper Sandler Micha ...

| --- | --- | --- | --- | --- | --- | --- | |-------|-------|-------|----------------------------------------|-------|-------|-------| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | HOMB | | | | | | | | HomeBancShares | | | | | | | | Office Fireside Chat 15 September 2020 | | | | | | | | | | | | ସ � p fit 1 FORWARD LOOKING STATEMENT This presentation may contain forward-looking statements regarding the Company's plans, expectations, goals and outlook for the future. ...

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, 2020 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: 000-51904 HOME BANCSHARES, INC. (Exact Name of Registrant as Specified in Its Charter) | Arkansas | 71-0682831 | | --- | --- | | (Stat ...