Home BancShares Inc

homebancshares.com

What Do They Do?

Provides commercial and retail banking, including loans and deposit accounts, to businesses, property developers and investors, and individuals and municipalities through Centennial Bank.

How Do They Make Money?

Revenue comes mainly from interest on loans and investments, service charges, and mortgage-banking income. Account-maintenance fees are generally collected monthly and transaction fees when a transaction is completed; card-interchange fees follow agreed contracts, while commercial lending fees are set by negotiated agreements.

revenue

Segment	Share	Revenue
Service charges on deposit accounts	46% FY2022: 45%
Other service charges and fees	54% FY2022: 55%

Who Are Their Customers?

Businesses, real estate developers and investors, individuals, and municipalities use Centennial Bank for commercial and retail banking services.

Do Revenues Turn Into Profits?

Yes. It kept 37 cents of every revenue dollar as net income in FY2025 and turned 29 cents into free cash flow.

Net income, FY2025

37% of revenue

▲ +18% vs FY2024 ($402.2M, 31%)

Free cash flow, FY2025

29% of revenue

▼ −11% vs FY2024 ($422.1M, 32%)

How Are They Changing?

Since the FY2025 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▲ +6%; vs $319.1M in Q2 FY2025
Net income: ▲ +1%; vs $118.4M in Q2 FY2025

Other service charges and fees share of service charges vs 57.0% in Q2 FY2025

Apr 1, 2026 Completed the Mountain Commerce Bancorp acquisition Mountain Commerce merged into Home, and Mountain Commerce Bank merged into Centennial.

Growing. Revenue grew 2.0x in 4 years, from $625.2M in FY2021 to $1.3B in FY2025, about 20% a year.

Revenue over time

Service charges on deposit accounts Other service charges and fees

$100M$50M$0

FY2021 FY2022 FY2023 FY2024 FY2025

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