Home BancShares

What Home BancShares does

Home BancShares, Inc. is a publicly traded bank holding company (NYSE: HOMB) headquartered in Conway, Arkansas, founded in 1998 by John W. Allison (Chairman and CEO) and Robert H. "Bunny" Adcock, Jr. The company's wholly-owned subsidiary, Centennial Bank, provides commercial and retail banking services — including commercial real estate loans, commercial and industrial loans, deposit products, treasury management, and consumer loans — to businesses, real estate developers, investors, individual consumers, and municipalities through branch locations across Arkansas, Florida, Texas, Tennessee, South Alabama, and New York City. Two specialty divisions extend beyond the branch network: Centennial Commercial Finance Group operates a national CRE and C&I lending platform out of loan production offices in New York City and Los Angeles, while Shore Premier Finance provides direct consumer financing for USCG-registered high-end boats and inventory floor plan lines to marine dealers.

The business model is anchored in net interest income from the difference between interest earned on loans and interest paid on deposits, supplemented by non-interest income from banking fees and service charges, and dividend distributions to shareholders. Home BancShares has grown primarily through acquisition — twenty-seven bank and asset acquisitions since 2003, including Liberty Bancshares ($2.82B, 2013), Stonegate Bank ($2.89B, 2017), Happy State Bank ($6.69B, 2022), and Mountain Commerce Bancorp ($1.77B, closed April 2026). The company crossed $10 billion in total assets and surpassed $1 billion in annual revenue ($1.17B) for the first time in 2024, with 2024 record net income of $402.2M, ROA of 2.09–2.10% (ranked #1 on S&P Global Market Intelligence's Top 50 U.S. Public Banks for 2025), and an efficiency ratio under 40%. Capital strength is a defining feature: CET1 ratio of 15.1% and risk-based capital of 18.7% (Q4 2024), consistent quarterly dividend of $0.21/share, and record book value per share of $22.15 (up 13% YoY). Largest institutional shareholders include BlackRock (11.89%) and Vanguard (10.34%).

Name

Home BancShares

Legal name

Home BancShares, Inc.

Website

https://homebancshares.com

Company type

Public

Founded year

1998

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Home BancShares (NYSE: HOMB) is a Conway, Arkansas-based bank holding company operating Centennial Bank, a six-state community and commercial bank serving businesses, consumers, municipalities, and specialty marine/CRE borrowers, with $10B+ in assets and an acquisition-driven growth strategy.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Offices of Bank Holding Companies (551111)

SIC

State Commercial Banks (6022)

akta.pro primary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

Keywords

• Retail banking services
• Commercial lending
• Community banking
• Commercial real estate lending
• Marine financing

Headquarters

HQ city

Conway

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Net Interest Income: The primary revenue stream from the difference between interest earned on loans (including commercial real estate loans, commercial & industrial loans, and retail loans) and interest paid on deposits. Q1 2026 revenue of $269.37 million with 2.57% year-over-year increase. Q4 2025 revenue of $282.1 million. Q3 2025 revenue of $277.7 million.
2. Non-Interest Income: Revenue from banking fees, service charges, and other non-interest sources including deposit services and related financial services to businesses, real estate developers, investors, individuals, and municipalities.
3. Dividend Income: The company has declared quarterly cash dividends including $0.21 per share for Q2 2026, consistent with Q1 2026 dividends, with annualized payout of $0.84 yielding approximately 3.1%.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Home BancShares acquires, organizes, and invests in community banks that serve attractive markets through its wholly-owned subsidiary Centennial Bank. The company provides a broad range of commercial and retail banking and related financial services — including commercial real estate and commercial & industrial loans, consumer and business deposit products, treasury management, mortgage and consumer lending, and specialized national commercial lending through the Centennial Commercial Finance Group and marine financing through Shore Premier Finance — to businesses, real estate developers, investors, individuals, and municipalities.

Product overview

Home BancShares operates as a bank holding company offering commercial and retail banking services through its wholly-owned subsidiary Centennial Bank. The company provides a broad range of banking and financial services through its core platform and specialized divisions. Centennial Bank serves as the primary consumer and commercial banking product, while specialized operations include Centennial Commercial Finance Group for national commercial real estate and C&I lending, and Shore Premier Finance for marine financing. The company has a history of M&A activity, completing 27 acquisitions since 2003, with the most recent being the acquisition of Mountain Commerce Bancorp expanding into Tennessee markets.

Differentiator

Problem solved

Functional benefit

Brands

• Centennial Commercial Finance Group (Centennial CFG): Division of Centennial Bank responsible for commercial real estate and commercial & industrial loans, originated from Doral Bank loan portfolio acquisition
• Shore Premier Finance

Products and services

• Centennial Bank community banking services Wholly-owned subsidiary bank providing a broad range of commercial and retail banking services — including loans, deposits, treasury management, and related financial services — to businesses, real estate developers, investors, individuals, and municipalities through branches in Arkansas, Florida, Texas, Tennessee, South Alabama, and a New York City loan production office, supplemented by mobile and online banking with Zelle integration.
• Centennial Commercial Finance Group (Centennial CFG) Division of Centennial Bank providing national commercial real estate and commercial & industrial lending; services the acquired Doral Property Finance loan pool and originates new loan production from offices in New York City and Los Angeles, targeting larger commercial real estate borrowers and C&I clients nationally.
• Shore Premier Finance marine financing Division of Centennial Bank offering direct consumer financing for high-end USCG-registered sail and power boats, plus inventory floor plan lines of credit to marine dealers selling USCG documented vessels. Serves individual boat buyers and marine dealers nationwide with specialized marine consumer and dealer floor plan financing.

Quantifiable outcome

• Return on average assets of 2.10% ranked #1 among S&P Top 50 U.S. Public Banks
• +3 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration1 record

Feature3 records

Partnerships

Five partnerships are on record, tiered core, strategic and regulatory.

• Mountain Commerce Bancorp (Mountain Commerce Bank)coreOthers · 8 December 2025Home BancShares acquired Mountain Commerce Bancorp for approximately $150.1 million in an all-stock merger. The acquisition expands Home BancShares' presence into Tennessee markets including Knoxville, Nashville, and Johnson City. Mountain Commerce Bank was an 8-branch community bank headquartered in Knoxville, Tennessee with approximately $1.77 billion in assets as of end-2025. Deal closed April 1, 2026.
• Happy State Bank (Happy Bancshares)coreOthers · 15 September 2021Home BancShares acquired Happy State Bank through an all-stock merger in 2022, adding approximately $6.69 billion in assets and expanding into Texas markets. The deal enhanced Home BancShares' market presence in Texas and retained many employees of Happy State Bank.
• Shore Premier Finance (Division of Union Bank & Trust)strategicOthers · 1 January 2018Home BancShares acquired Shore Premier Finance, a division of Union Bank & Trust of Richmond, Virginia in 2018. The division provides direct consumer financing for USCG-registered high-end sail and power boats and inventory floor plan lines to marine dealers.
• Federal Reserve BoardregulatoryOthersThe Federal Reserve Board approved Home BancShares' application to acquire and merge with Mountain Commerce Bancorp, Inc., indirectly acquiring Mountain Commerce Bank. The Board also approved Centennial Bank to merge with Mountain Commerce Bank.
• Arkansas State Bank DepartmentregulatoryOthersArkansas State Bank Department provided regulatory approval for the merger of Mountain Commerce Bank into Centennial Bank.

Scale indicators10 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• Pinnacle Financial Partners: Nashville-headquartered bank holding company of comparable size with a similar relationship-banking model focused on serving businesses, real estate developers, and consumers in attractive Southeast markets. Operates with strong profitability metrics and an active acquisition strategy.
• Cadence Bank: Multi-state community-focused bank holding company with overlapping Texas, Florida, Alabama, and Tennessee footprints. Similar size and emphasis on commercial banking relationships with comparable acquisition-driven growth history.
• Atlantic Union Bankshares: Mid-Atlantic and Southeast bank holding company of comparable size with a similar focus on commercial banking, CRE lending, and disciplined acquisition-led expansion into attractive regional markets.
• Synovus Financial: Georgia-headquartered regional bank with significant Florida and Alabama presence overlapping Home BancShares' core Southeast footprint. Similar community/commercial banking model serving businesses, developers, and consumers.
• Prosperity Bancshares: Texas-based bank holding company with a long, successful acquisition track record comparable to Home BancShares. Operates with similar emphasis on disciplined M&A, conservative credit, and community banking.
• Trustmark Corporation: Mississippi-headquartered bank holding company with overlapping Southeast (FL, AL, TN, TX) geographic footprint. Operates a comparable mix of commercial, CRE, retail, and mortgage banking with similar scale.
• Renasant Corporation: Southeast-focused bank holding company operating across Mississippi, Alabama, Tennessee, Florida, and Georgia with comparable size and a similar emphasis on commercial banking, CRE lending, and community banking relationships.

Broad incumbents

• First Horizon Corporation: Memphis-based regional bank holding company with significant Tennessee and broader Southeast presence. Larger asset base than Home BancShares but operates a comparable mix of commercial, retail, and CRE lending across overlapping geographies.

Regional players

• Frost Bank: Texas-headquartered community bank with a strong relationship-banking franchise similar to Home BancShares' Centennial Bank model. Comparable focus on commercial lending and small-business banking within a single high-growth state.
• Texas Capital Bancshares: Texas-focused commercial bank holding company with a national specialty lending platform comparable to Home BancShares' Centennial CFG. Different primary model (commercial-only) but overlapping Texas market presence.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/my100bank
• Facebookfacebook.com/my100bank

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A6 records

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Home BancShares