HOMB HOME BANCSHARES INC

company

SEC Filings & Insider Trading Activity 2026

Business Overview

• • Core business model: Community-focused commercial and retail banking via Centennial Bank across multiple southern U.S. states and NYC
• • Strategic emphasis on Tennessee expansion via 2026 acquisition of Mountain Commerce Bancorp, adding new Tennessee market entry
• • Loan portfolio composition shift: Commercial real estate loans down to 53.2% of gross loans from 57.6% in prior year
• • Total assets $22.88B and net income $475.4M in 2025, both increase from 2024; completed $962.5M acquisition of Happy Bancshares in 2022
• • Noteworthy growth by integration of a $242.2M yacht loan portfolio from LendingClub into marine-focused lending division

Risk Factors

• • Dodd-Frank Act regulation impact as assets exceed $10B, including FDIC deposit assessments up to 42 basis points and capped debit card interchange fees at $0.21 plus 5 bps
• • Geographic concentration with 79.3% of loans and 83.6% of real estate loans tied to Arkansas, Florida, Texas, Alabama, New York markets
• • Real estate loan concentration at 74.1% of total loans, including 35.8% commercial and 17.4% construction loans, exacerbating credit risk from declining property values
• • Competitive pressure from non-bank financial service providers enabled by regulatory changes restricting bank operations and lending practices
• • Key-person risk from heavy reliance on Chairman John W. Allison and senior executives for management and local market relationships

Management Discussion & Analysis

• • Revenue driving net income $475.4M in 2025, up 18.2% from $402.2M in 2024; diluted EPS $2.41 vs $2.01
• • Operating margin improved: net interest margin 4.51% in 2025 vs 4.27% in 2024; efficiency ratio 40.88% vs 42.74%
• • Best segment: Loan portfolio grew $921.7M in 2025 with organic growth in legacy and CFG units; worst: subordinated debentures down $160M
• • Capital allocation: Dividends $158.9M, share repurchases $81.4M, capex not specified; paid off $140M subordinated notes and repurchased $20M
• • Outlook: Management notes risks from credit loss uncertainties and potential variability in future earnings; paying down debt accretive to margin

What are the latest HOMB SEC filings in 2026?

HOME BANCSHARES INC (HOMB) has filed a 10-K annual report on February 27, 2026, a 10-Q quarterly report on May 5, 2026, an 8-K current report on July 15, 2026 with the SEC. SignalX tracks every new SEC EDGAR filing daily, including 10-K, 10-Q, 8-K, and Form 4 insider transactions, with AI-powered summaries of key sections.

When did HOMB file its most recent 10-K annual report?

HOME BANCSHARES INC (HOMB) filed its most recent 10-K annual report on February 27, 2026. The 10-K includes audited financial statements, business overview, risk factors, and management discussion, all available on SignalX with AI-generated summaries and XBRL financial data.

How do I view HOMB 10-Q quarterly reports?

HOME BANCSHARES INC (HOMB)'s most recent 10-Q quarterly report was filed on May 5, 2026. SignalX displays every HOMB 10-Q with AI-generated summaries of the MD&A (Management Discussion & Analysis) and Risk Factors sections, plus links to the original SEC EDGAR document.

What 8-K current reports has HOMB filed recently?

HOME BANCSHARES INC (HOMB)'s most recent 8-K was filed on July 15, 2026. 8-K filings disclose material corporate events such as earnings releases, executive changes, mergers, and other significant developments. SignalX surfaces each 8-K with item-level summaries so you can quickly see what happened.

Where can I find HOMB insider trading activity (Form 4)?

SignalX aggregates every HOMB Form 4 insider transaction from SEC EDGAR. Form 4 reports show when officers, directors, and 10% shareholders buy or sell company stock, with transaction code, share count, and price per share.

How often does HOMB file with the SEC?

HOME BANCSHARES INC (HOMB) files a 10-K annual report once per year (typically within 60 days of fiscal year-end) and 10-Q quarterly reports three times per year. 8-K current reports are filed as needed when material events occur, and Form 4 insider transaction reports are due within two business days of a trade. SignalX monitors SEC EDGAR daily to surface every new HOMB filing with AI-powered analysis.

What is the difference between 10-K, 10-Q, and 8-K SEC filings?

A 10-K is a comprehensive annual report with audited financials, business overview, and risk factors. A 10-Q is a shorter quarterly report with unaudited financials and management discussion. An 8-K is a current report filed when a material event occurs, such as earnings releases, executive changes, acquisitions, or other significant developments. SignalX provides AI-generated summaries for all three filing types for HOME BANCSHARES INC (HOMB).

What is HOMB's SEC CIK number?

HOME BANCSHARES INC (HOMB)'s SEC CIK (Central Index Key) number is 1331520. The CIK is a unique identifier assigned by the SEC to every filing entity. You can use CIK 1331520 to look up all HOMB filings on SEC EDGAR, or browse them here on SignalX with AI-powered analysis.

Where can I find HOMB return on equity (ROE) and financial data?

SignalX extracts XBRL financial data from HOME BANCSHARES INC (HOMB) 10-K annual filings, including revenue, net income, gross profit, operating income, EPS, total assets, stockholders' equity, and operating cash flow. Return on equity (ROE) can be derived from net income divided by stockholders' equity. Multi-year financial trends are displayed in the Financial Summary table above.