HOMB at a glance
HOME BANCSHARES INC (HOMB, SEC CIK 1331520) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 15, 2026 and Form 4 insider filings as recently as August 17, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), HOME BANCSHARES INC (HOMB) reported revenue of $1.3 billion (down 1.6% from FY2024) and net income of $475.4 million. Diluted EPS was $2.41.
- As of June 30, 2026, 34 institutional investment managers tracked by SignalX reported holding HOME BANCSHARES INC (HOMB) shares worth $2.3 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Rankin Jim on August 11, 2026 of 15,000 shares at $30.86 per share.
- In the last 90 days, HOMB insiders reported 0 open-market purchases ($0) and 2 open-market sales ($842K) on Form 4, a net sale of $842K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.3B
- −1.6% vs prior year
- Insiders · 90 days
- 0 buys · 2 sells
- Net −$842K
- 13F holders
- 34 funds
- $2.3B · +2 vs prior quarter
- Latest 8-K
- Jul 15, 2026
- Item 2.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
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
AI summary of the HOMB 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $119.3M, up $924K YoY; diluted EPS $0.59 vs $0.60
- Net interest margin 4.51% vs 4.44%; efficiency ratio 44.54% vs 41.68%
- MCBI acquisition added $1.77B assets, $1.47B loans, and $1.54B deposits
- Cash and equivalents increased $385.2M; shareholder dividends $83.5M and repurchases $54.7M
- Non-performing loans 1.08% vs 0.54%; $12.7M M&A expense and $5.2M loan-loss provision રહ્યાં
Risk Factors
- No material risk-factor changes from the December 31, 2025 Form 10-K
- Carried-forward risks include additional unknown or currently immaterial risks affecting business, financial condition, or operating results
- Regulatory and compliance risks remain unchanged from the Form 10-K disclosure
- Near-term operational, competitive, and market risks remain unchanged from the Form 10-K disclosure
- Financial risks, including liquidity, debt, currency, and concentration exposures, remain unchanged from the Form 10-K disclosure
AI summary of the HOMB 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Second-quarter 2026 earnings announced July 15, 2026
- Financial results and management commentary available in Exhibit 99.1
Item 5.07: Submission of Matters to a Vote of Security Holders
- All 14 director nominees elected, preserving board composition and governance continuity
- Executive compensation approved non-binding, with 141,176,980 votes for versus 6,109,637 against
Item 2.02: Results of Operations and Financial Condition
- First-quarter 2026 earnings press release furnished under Item 2.02
- Exhibit 99.1 contains the company’s earnings results and financial details
AI summaries of HOMB 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for HOMB
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- Fund moves. Which tracked funds opened, added or cut HOMB, by share count.
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Engelkes Jack | G | Aug 17, 2026 | 5,000 | - |
| Rankin Jim | Sell | Aug 11, 2026 | 15,000 | $30.86 |
| TIPTON JOHN STEPHEN | Sell | Aug 4, 2026 | 12,000 | $31.59 |
| ALLISON JOHN W | G | Jun 3, 2026 | 30,000 | - |
| Allison John W II | Sell | Jun 1, 2026 | 2,000 | $26.38 |
| ALLISON JOHN W | G | May 19, 2026 | 100 | - |
| Hester Kevin | W | Apr 22, 2026 | 1,628 | - |
| FLOYD JENNIFER C. | Sell | Apr 21, 2026 | 3,000 | $27.11 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $1.2B | $1.3B | $1.3B |
| Net Income | $392.9M | $402.2M | $475.4M |
| Net Margin | 33.4% | 30.9% | 37.2% |
| Balance Sheet | |||
| Total Assets | $22.7B | $22.5B | $22.9B |
| Equity | $3.8B | $4.0B | $4.3B |
| ROE | 10.4% | 10.2% | 11.1% |
| Per Share | |||
| EPS | - | $2.01 | $2.41 |
| Cash Flow | |||
| Operating CF | $379.7M | $460.6M | $399.3M |
| CapEx | $8.6M | $38.5M | $22.3M |
Source: XBRL data in HOME BANCSHARES INC (HOMB)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate HOMB share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 34 | $2.31B |
| Q1 2026 | 32 | $2.02B |
| Q4 2025 | 29 | $2.04B |
| Q3 2025 | 30 | $2.05B |
| Q2 2025 | 30 | $2.03B |
| Q1 2025 | 26 | $1.36B |
| Q4 2024 | 23 | $1.29B |
| Q3 2024 | 20 | $628.8M |
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- FMR LLC (Fidelity)−472.9K (-50%)
- Goldman Sachs Group−380.0K (-22%)
- Bank of America Corp−247.1K (-28%)
- Two Sigma Investments−196.1K (-22%)
- Millennium Management+396.8K
- FIRST FINANCIAL BANKSHARES INC+16.3K
Source: 13F-HR filings on SEC EDGAR (aggregated from 224 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
HOMB filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
8-K current reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 12, 2026 | - | - | - |
| 10-Q | Aug 7, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Aug 5, 2026 | - | - | - |
| SC 13G | Jul 31, 2026 | - | - | |
| 8-K | Jul 15, 2026 | - | Analysis | - |
| 4 | Jun 4, 2026 | - | - | |
| 4 | Jun 2, 2026 | - | - | |
| 4 | May 20, 2026 | - | - | |
| 10-Q | May 5, 2026 | Mar 31, 2026 | Analysis | |
| SC 13G | Apr 29, 2026 | - | - | |
| 4 | Apr 22, 2026 | - | - | - |
| 4 | Apr 22, 2026 | - | - | - |
| 4 | Apr 20, 2026 | - | - | - |
| 8-K | Apr 17, 2026 | - | Analysis | - |
| 8-K | Apr 15, 2026 | - | Analysis | - |
| 8-K | Apr 1, 2026 | - | - | - |
| 8-K | Mar 24, 2026 | - | - | - |
| 8-K | Mar 2, 2026 | - | Analysis | - |
| 10-K | Feb 27, 2026 | Dec 31, 2025 | Analysis | |
| 4 | Feb 24, 2026 | - | - | - |
| 4 | Feb 11, 2026 | - | - | |
| 4 | Jan 29, 2026 | - | - | |
| 4 | Jan 23, 2026 | - | - | |
| 4 | Jan 21, 2026 | - | - |
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HOMB SEC filings: frequently asked questions
Are HOMB insiders buying or selling?
In the last 90 days, HOME BANCSHARES INC (HOMB) officers, directors and 10% owners reported no open-market purchases and 2 open-market sales worth $842,046 by 2 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold HOMB stock?
As of June 30, 2026, the largest HOME BANCSHARES INC (HOMB) holders among the 13F filers tracked by SignalX were BlackRock ($735.6 million), Vanguard Portfolio Management LLC ($339.9 million), State Street Corp ($286.0 million), Vanguard Capital Management LLC ($246.9 million), Dimensional Fund Advisors ($206.0 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was HOMB's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), HOME BANCSHARES INC (HOMB) reported revenue of $1.3 billion (down 1.6% from FY2024) and net income of $475.4 million. Diluted EPS was $2.41. The figures come from the XBRL data in the 10-K.
What are the main risks in HOMB's latest 10-K?
In the 10-K filed February 27, 2026, HOME BANCSHARES INC (HOMB) flagged: 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. (AI summary of the Risk Factors section.)
What did HOMB report in its latest 8-K?
HOME BANCSHARES INC (HOMB) filed an 8-K on July 15, 2026 reporting Item 2.02 (Results of Operations and Financial Condition). Second-quarter 2026 earnings announced July 15, 2026.
What are the latest HOMB SEC filings?
HOME BANCSHARES INC (HOMB) filed its latest 10-K annual report on February 27, 2026, a 10-Q quarterly report on August 7, 2026, an 8-K current report on July 15, 2026 and a Form 4 insider filing on August 17, 2026.
What is HOMB's SEC CIK number?
HOME BANCSHARES INC (HOMB)'s SEC Central Index Key (CIK) is 1331520. EDGAR lists every HOMB filing under that number.
Ask anything about HOMB
The research agent reads HOMB's filings, financials, insider trades and 13F holders, then answers with sources.