---
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"
generated_at: "2026-05-28T00:58:02.357321+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

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

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001331520-25-000004
- JSON: https://secwatch.observer/filing/0001331520-25-000004.json
- Plain text: https://secwatch.observer/filing/0001331520-25-000004.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.