Home Bancshares, Inc. (Conway, AR) (NYSE:HOMB) Q4 2023 Earnings Conference Call January 18, 2024 2:00 PM ET Company Participants Donna Townsell - Director, Investor Relations John Allison - Chairman Brian Davis - Chief Financial Officer Stephen Tipton - Chief Operating Officer Kevin Hester - Chief Lending Officer Chris Poulton - President, CCFG Tracy French - President and Chief Executive Officer, Centennial Bank Conference Call Participants Brett Rabatin - Hovde Group Jon Arfstrom - RBC Brady Gailey - KBW ...

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, 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 7 ...

Home Bancshares, Inc. (NYSE:HOMB) Q3 2023 Earnings Conference Call October 19, 2023 2:00 PM ET Company Participants Donna Townsell - Director, Investor Relations John Allison - Chairman Stephen Tipton - Chief Operating Officer Kevin Hester - Chief Lending Officer Tracy French - President and Chief Executive Officer, Centennial Bank Brian Davis - Chief Financial Officer Christopher Poulton - President, CCFG Conference Call Participants Stephen Scouten - Piper Sandler Matt Olney - Stephens Inc Brady Gailey - ...

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 ...

Home Bancshares, Inc. (NYSE:HOMB) Q1 2023 Earnings Conference Call April 20, 2023 2:00 PM ET Company Participants Donna Townsell - Director of Investor Relations John Allison - Chariman Brian Davis - Chief Financial Officer Tracy French - President and CEO of Centennial Bank Stephen Tipton - Chief Operating Officer Kevin Hester - Chief Lending Officer John Marshall - President of Shore Premier Finance Chris Poulton - President of CCFG Conference Call Participants Jon Arfstrom - RBC Matt Olney - Stephens Bra ...

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 ...

Financial Data and Key Metrics Changes - The company reported record fourth-quarter income of $115.7 million, or $0.57 per share, and record adjusted earnings for 2022 of $375.9 million, or $1.93 EPS, after accounting for a one-time merger expense [17][19] - The fourth-quarter return on assets (ROA) was 1.98%, and the return on tangible common equity (ROTCE) was reported at 22.96% [17][38] - The efficiency ratio improved to 42.44%, and the net interest margin increased to 4.21%, up from 4.05% in the previous quarter [18][24] Business Line Data and Key Metrics Changes - The loan portfolio grew by $580 million in the fourth quarter, with a total of $1.9 billion in origination volume for the quarter [39][64] - The Community Bank segment reported strong loan growth, contributing significantly to the overall performance [69] - The company maintained a loan-to-deposit ratio of 80% and a primary liquidity ratio over 19% [25][48] Market Data and Key Metrics Changes - Total deposits were just shy of $18 billion, with increases noted in North Arkansas and Central Florida markets [48] - Noninterest-bearing deposits accounted for 29% of total deposits, while certificates of deposit (CDs) comprised less than 6% [48] Company Strategy and Development Direction - The company aims to maintain a conservative approach to capital deployment while focusing on core customer relationships and new opportunities in the loan portfolio [22][25] - Management emphasized the importance of maintaining a fortress balance sheet with excess capital and sufficient reserves [16][37] Management's Comments on Operating Environment and Future Outlook - Management expressed caution entering 2023, acknowledging potential risks but remaining confident in the ability to identify opportunities for capital deployment [22][32] - The company anticipates higher interest rates for an extended period, with management noting that inflation is not yet fully under control [32][33] Other Important Information - The company repurchased 840,000 shares for $20 million during the quarter and maintained its dividend policy [19] - A lawsuit settlement resulted in a $15 million gain, which was highlighted as a positive development [40] Q&A Session Summary Question: What are the expectations for loan growth in 2023? - Management noted strong trends in loan growth for the fourth quarter and indicated optimism for continued growth, particularly as competitors may be sidelined [69][70] Question: What drove the positive loan loss provision expense? - Management indicated that certain asset classes, particularly retail, are being monitored closely due to potential stresses in the economic cycle [72][73] Question: How is the company managing deposit rates amidst competition? - The company is taking a conservative approach to deposit pricing, focusing on relationship banking rather than aggressive rate increases [138][139] Question: What is the outlook for M&A activity? - Management expressed interest in M&A opportunities but acknowledged the challenges posed by current market conditions and valuations [115][136]

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 ...