财务数据和关键指标变化 - 总收入为2.58亿美元,创下公司历史新高 [9][10] - 税前、拨备前净收入(PPNR)为1.48亿美元,占总收入的57.36%,可能创下行业新高 [11] - 净利差(NIM)扩大1个基点至4.28%,扣除特殊收益后为4.27% [21] - 贷款收益率提升10个基点至7.59% [21] - 存款成本上升4个基点至2.31% [21] - 非利息支出下降4%至1.1亿美元,效率比率为41.42% [12] - 普通股权一级资本充足率为14.65%,杠杆率为12.54% [24][25] - 拨备覆盖率为2.11%,不良贷款覆盖率超过3倍 [25] 各条业务线数据和关键指标变化 - 社区银行地区贷款增加近1亿美元,抵消了CCFG贷款下降8910万美元 [23][24] - 新贷款平均利率为8.96% [23] - 贷款偿还额为6.99亿美元,有部分推迟至第四季度 [23] 各个市场数据和关键指标变化 - 佛罗里达地区存款下降2.5亿美元,主要来自物业管理公司和市政关系 [23] - 非计息存款占比23.5% [23] - 贷款与存款比率为88.7%,仍低于历史水平 [23] 公司战略和发展方向及行业竞争 - 公司正积极寻找并购机会,关注内部和外部市场 [36][37][90][91] - 管理层认为监管环境在共和党执政下会更有利于并购活动 [36][37] - 公司将继续通过股票回购计划减少股票数量 [17][18][19] 管理层对经营环境和未来前景的评论 - 管理层对第三季度业绩表现感到满意,如未遭受两次飓风影响,将是公司历史最佳季度之一 [6][7][8][9] - 管理层对未来12-18个月的净息差走势持谨慎乐观态度,预计可维持在当前水平 [75][76][100][101][102][103] - 管理层对信贷质量保持谨慎,仍有少量问题贷款有待解决,但整体风险可控 [27][28][29][97][98] 其他重要信息 - 公司已为受飓风影响的贷款计提约1670万美元的准备金 [30][31][32][67] - 管理层对即将到来的总统大选结果表达了自己的政治立场和担忧 [15][16] - 公司正在就西德克萨斯地区的非法活动提起诉讼 [17] 问答环节重要的提问和回答 问题1 **Stephen Scouten 提问** 询问公司对并购的看法,以及不同政治局势下的监管环境对并购的影响 [36][37] **John Allison 回答** 公司正在积极寻找并购机会,关注内部和外部市场,认为共和党执政有利于并购活动 [36][37][90][91] 问题2 **Brett Rabatin 提问** 询问未来贷款增长前景,特别是CCFG业务线 [45][46][47] **Kevin Hester 和 Christopher Poulton 回答** 社区银行地区贷款有望保持良好增长,CCFG业务线可能会有一定波动,但长期保持稳定增长 [46][47] 问题3 **Matt Olney 提问** 询问公司如何持续优化成本,以及信贷质量的最新情况 [56][57][58][59][60][61] **Stephen Tipton 和 Kevin Hester 回答** 公司通过控制人员成本等措施持续优化成本,信贷质量整体良好,少量问题贷款有望在未来1-2个季度内解决 [57][58][59][60][61]

文章核心观点 - 公司本季度收入为2.58亿美元,同比增长5.2% [1] - 每股收益为0.50美元,低于市场预期的0.53美元 [1] - 公司的关键财务指标如净息差、效率比率、不良贷款等均有不同程度的变化 [2] 公司财务指标总结 - 净息差为4.3%,符合市场预期 [2] - 效率比率为41.4%,优于市场预期43.3% [2] - 不良贷款总额为1.011亿美元,高于市场预期的8358万美元 [2] - 生息资产平均余额为202.3亿美元,略低于市场预期的203亿美元 [2] - 不良资产总额为1.442亿美元,高于市场预期的1.296亿美元 [2] - 净核销率为0%,低于市场预期的0.1% [2] - 非利息收入为4278万美元,高于市场预期的4175万美元 [2] - 净利息收入为2.152亿美元,略高于市场预期的2.143亿美元 [2] - 净利息收入(FTE)为2.178亿美元,略高于市场预期的2.172亿美元 [2]

Home BancShares (HOMB) came out with quarterly earnings of $0.50 per share, missing the Zacks Consensus Estimate of $0.53 per share. This compares to earnings of $0.47 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of -5.66%. A quarter ago, it was expected that this bank holding company would post earnings of $0.48 per share when it actually produced earnings of $0.52, delivering a surprise of 8.33%.Over the last four quarters, ...

飓风应对 - 公司发布了2024年10月11日的新闻稿,宣布应对飓风海伦[4] - 公司正在应对飓风海伦的影响,采取相应措施[4] 销售业绩 - 公司在2024年第三季度的iPhone销售收入在中国创下纪录,达到967.7亿美元[110]

CONWAY, Ark., Oct. 16, 2024 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB) (“Home” or the “Company”), parent company of Centennial Bank, released quarterly earnings today. Quarterly Highlights MetricQ3 2024Q2 2024Q1 2024Q4 2023Q3 2023Net income $100.0 million  $101.5 million  $100.1 million  $86.2 million  $98.5 million Net income, as adjusted (non-GAAP)(1) $99.0 million  $103.9 million  $99.2 million  $92.2 million  $94.7 million Total revenue (net) $258.0 million  $254.6 million  $246.4 million  $ ...

CONWAY, Ark., Oct. 11, 2024 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB) (“Home” or “the Company”), parent company of Centennial Bank (“Centennial”), announced it has established additional reserves for loan losses related to the Hurricane Helene FEMA Disaster Area for the third quarter of 2024. As a result of Hurricane Helene, which made landfall September 26, 2024 as a Category 4 hurricane, HOMB recorded additional loan loss reserves of approximately $16.7 million. HOMB has operated in Florida f ...

The market expects Home BancShares (HOMB) to deliver a year-over-year increase in earnings on higher revenues when it reports results for the quarter ended September 2024. This widely-known consensus outlook is important in assessing the company's earnings picture, but a powerful factor that might influence its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on October 16, 2024, might help the stock move higher if these key num ...

Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric th ...

Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric th ...

CONWAY, Ark., Sept. 16, 2024 (GLOBE NEWSWIRE) -- Home BancShares, Inc. (NYSE: HOMB), parent company of Centennial Bank, today announced it expects to release Third Quarter 2024 earnings after the market closes on October 16, 2024. Following this release, management will conduct a conference call to review these earnings at 1:00 p.m. CT (2:00 p.m. ET) on Thursday, October 17, 2024. We strongly encourage all participants to pre-register for the conference call webcast or the live call using one of the followi ...