Headquartered in Conway, Arkansas, Home BancShares, Inc. (HOMB) is a $16.9 billion asset holding company and parent to Centennial Bank, a Southeastern commercial and retail bank. Centennial provides a wide range of commercial and retail banking services to businesses, developers, and individuals. With its more than 165 branch location, Centennial offers services across the state of Arkansas, the panhandle and south Florida, Alabama’s Gulf Coast and New York City.
While HOMB has continued to grow much faster than bank peers, some have called into question the long-term net interest margin (NIM) potential juxtaposed against the rate of future earnings growth. While credit is difficult to forecast, I do believe future net charge-offs (NCOs) are going to be limited in nature. Expense management has been a clear priority for the management team, and in my mind, it will be the swing factor for future profitability.
Today, my bullish stance
Cheap, rapid, at-home tests could rival a vaccine in the fight against COVID-19. Why can’t Americans get them?
Even as advocates cite bureaucratic red tape blocking fast and cheap home coronavirus tests, the federal government’s regulatory agency overseeing testing says it will be flexible and encourage developers to seek approval.
The Food and Drug Administration issued a document on July 29 calling for home tests to correctly identify the virus at least 90% of the time. But a high-ranking FDA official overseeing testing told USA TODAY the agency will consider tests with lower sensitivity.
Jeffrey Shuren, director of the FDA’s Center for Devices and Radiological Health, said the agency’s recommendations issued more than two months ago are “starting points.”
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“Our door has been open, and we’re very flexible because we’re trying to do all we can,
Mortgage adviser: Liz Bayer, ProMortgage.
Property type: Single-family home in Berkeley.
Appraised value: $1.215 million.
Loan amount: $449,000.
Loan type: 30-year fixed.
Backstory: I have a number of clients taking advantage of historically low rates and historically high home equity to get a cash out refinance. Past clients of mine had decided that they plan to live out their days in their home but wanted to tap into their equity to make home improvements to provide features that will benefit them as they age.
What was great is that even though they had a good rate from a previous transaction, it made all the sense in the world for them to refinance rather their mortgage taking out more than $100,000 with a new rate — which was lower than
Home improvement doesn’t always mean dropping a ton of money to make things look better. In fact, there are many cheap ways to make your home look and feel better in an instant. Small improvements and additions can make a huge impact on your home and its overall ambiance — and thanks to Amazon, finding these types of life-changing pieces is now easier than ever.
To give you a head start on your new home-upgrading project, I’ve combed through the marketplace and uncovered some great finds. So before you begin shopping, it may be worth checking out these items that’ll quickly turn your dwelling space into the comfortable, yet aesthetic environment you always knew it could be.
From stainless steel contact paper that can be used to spruce up your appliances to decorative rugs that’ll add texture and depth your living space, this list has it all. There are tons
Stacey Solomon shows how to give homes a budget Autumn makeover with cheap wreaths, DIY garlands and a clever sock hack
AUTUMN is well and truly here so it’s time to swap out your bright and bold colourful decor for some moody orange and brown hues instead.
Stacey Solomon has been leading the way with cheap DIY autumnal decorations which she’s been making using budget bits – and it’s just the vibe we’re after.
Whether you’re going full blown Halloween, or want to incorporate a subtle seasonal makeover, chances are you can do it yourself for cheap with a few of Stacey’s handy hacks.
From cheap hand-made wreaths to a fun solution to odd socks, Stacey’s ideas are endless – and even her pal Mrs Hinch is in on it too, making handy decorative garlands.
The 30-year-old mum-of-three recently showed her 3.7 million Instagram followers how to whip up a seasonal wreath
With Americans eating more meals at home, supermarkets are among the few traditional retailers to thrive, and
Cos., the nation’s fourth-largest grocer, is no exception.
Since the pandemic began in March, the owner of the Safeway and Acme supermarket chains has had sales growth of more than 20% and ample profits. Its stock is a different matter. The company went public in late June at $16 a share, and the stock has since fallen to around $13.
Now is the time to bag these marked-down shares. Albertsons (ticker: ACI) trades at a discount to virtually every company in the grocery business, including dollar stores like
(DG) and the largest food vendor,
Albertsons also has an improving outlook and a dynamic CEO in Vivek Sankaran, who joined in 2019 from
(PEP), where he headed the North American food business.
“We’re undervalued relative to our cash
‘Staycation’ has been the word of the year, thanks to coronavirus restrictions throwing international travel plans into disarray. From UK campsites to brilliant breaches in Wales; many of us have taken the opportunity to explore holiday destinations and travel opportunities a little closer to home.
And yet closer to hope doesn’t always mean more affordable – you only have to look at some of the luxury accommodation in Devon and Cornwall to know staying near home can cost a fortune. Which is where these cheap holidays in the UK come in. Planning starts here!
6 cheap holidays (UK)
Rent a VW Campervan
From £525 for a week from Landcruise.uk, you could be the proud renter of a VW California Ocean, which sleeps four, and has a full kitchen and cooking area. Wicked Campers offers loads of different rental options, while Booking.com also have individual vans up for rent.