Home BancShares Q4 net income $100.6M ($0.51 EPS), up 16.7% YoY; completes Texas loan cleanup

HOME BANCSHARES INC

2024-FY EPS reported $2.01

Q4 net income $100.6M ($0.51 diluted EPS) vs $86.2M ($0.43) in Q4 2023; full-year 2024 net income >$400M.
Net interest margin expanded to 4.39% from 4.28% in Q3; paid off $700M BTFP advance, adding 6 bps.
Recorded $16.7M hurricane credit loss expense (Q3+Q4 total $33.4M); net charge-offs $53.4M driven by Texas cleanup.
Total revenue (net) $258.4M vs $245.6M year ago; efficiency ratio improved to 42.24%.
Tangible book value $12.68; CET1 ratio 15.1%; allowance for credit losses at 1.87% of loans.

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