{"schema_version":"secwatch.filing_event.v1","accession":"0001331520-25-000004","form_type":"8-K","ticker":"HOMB","cik":"0001331520","company_name":"HOME BANCSHARES INC","filed_at":"2025-01-15T23:59:59+00:00","discovered_at":"2026-05-14T18:03:03.356879+00:00","generated_at":"2026-05-28T00:58:02.357321+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Home BancShares Q4 net income $100.6M ($0.51 EPS), up 16.7% YoY; completes Texas loan cleanup","bullets":["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."],"urls":{"canonical":"https://secwatch.observer/filing/0001331520-25-000004","json":"https://secwatch.observer/filing/0001331520-25-000004.json","markdown":"https://secwatch.observer/filing/0001331520-25-000004.md","text":"https://secwatch.observer/filing/0001331520-25-000004.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1331520/000133152025000004/0001331520-25-000004-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1331520/000133152025000004/homb-20250115.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-28T00:58:02.357321+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}