(HOMB) Home BancShares - Ratings and Ratios
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US4368932004
Checking, Savings, Loans, Insurance, Digital
Dividends
| Dividend Yield | 2.80% |
| Yield on Cost 5y | 4.77% |
| Yield CAGR 5y | 9.07% |
| Payout Consistency | 95.2% |
| Payout Ratio | 35.8% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 26.7% |
| Value at Risk 5%th | 38.1% |
| Relative Tail Risk | -13.01% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.17 |
| Alpha | -16.05 |
| CAGR/Max DD | 0.57 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.522 |
| Beta | 0.852 |
| Beta Downside | 0.986 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.45% |
| Mean DD | 8.15% |
| Median DD | 8.10% |
Description: HOMB Home BancShares November 05, 2025
Home BancShares, Inc. (NYSE:HOMB) is the holding company for Centennial Bank, delivering commercial and retail banking services-including checking, savings, money-market accounts, CDs, and a suite of loan products-to businesses, developers, individuals, and municipalities across Arkansas, Florida, South Alabama, Texas, and New York City. The bank also offers digital banking, cash-management tools, insurance underwriting, and safe-deposit services, positioning itself as a full-service regional bank.
As of the most recent quarter (Q3 2024), HOMB reported a net interest margin of 3.45% and a loan-to-deposit ratio of 78%, reflecting modest loan growth (≈5% YoY) amid a tightening Fed policy environment that is pressuring regional banks’ earnings. Deposit balances have risen ~3% YoY, driven by higher rates attracting retail savers, while non-farm loan delinquencies remain below the industry average of 1.2%. The broader regional-bank sector is sensitive to the Fed’s rate-path and credit-quality trends, which could amplify earnings volatility for HOMB.
For a deeper quantitative assessment of HOMB’s valuation and risk profile, consider reviewing the analytics available on the ValueRay platform.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income (457.8m TTM) > 0 and > 6% of Revenue (6% = 81.6m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1108 % (prev -869.8%; Δ -237.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 385.7m <= Net Income 457.8m (YES >=105%, WARN >=100%) |
| Net Debt (174.7m) to EBITDA (601.0m) ratio: 0.29 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (197.3m) change vs 12m ago -1.09% (target <= -2.0% for YES) |
| Gross Margin 75.91% (prev 66.22%; Δ 9.68pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.98% (prev 6.29%; Δ -0.31pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.44 (EBITDA TTM 601.0m / Interest Expense TTM 400.0m) >= 6 (WARN >= 3) |
Altman Z'' -3.76
| (A) -0.66 = (Total Current Assets 2.50b - Total Current Liabilities 17.57b) / Total Assets 22.71b |
| (B) 0.10 = Retained Earnings (Balance) 2.18b / Total Assets 22.71b |
| (C) 0.03 = EBIT TTM 577.4m / Avg Total Assets 22.77b |
| (D) 0.11 = Book Value of Equity 2.00b / Total Liabilities 18.49b |
| Total Rating: -3.76 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 75.16
| 1. Piotroski 4.50pt |
| 2. FCF Yield 8.50% |
| 3. FCF Margin 25.99% |
| 4. Debt/Equity 0.23 |
| 5. Debt/Ebitda 0.29 |
| 6. ROIC - WACC (= 0.46)% |
| 7. RoE 11.23% |
| 8. Rev. Trend 69.91% |
| 9. EPS Trend 64.86% |
What is the price of HOMB shares?
As of December 14, 2025, the stock is trading at USD 28.73 with a total of 1,074,501 shares traded.
Over the past week, the price has changed by +1.20%, over one month by +5.01%, over three months by -3.08% and over the past year by -2.61%.
Over the past week, the price has changed by +1.20%, over one month by +5.01%, over three months by -3.08% and over the past year by -2.61%.
Is HOMB a buy, sell or hold?
Home BancShares has received a consensus analysts rating of 3.88.
Therefore, it is recommended to buy HOMB.
- Strong Buy: 3
- Buy: 1
- Hold: 4
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the HOMB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 33.1 | 15.3% |
| Analysts Target Price | 33.1 | 15.3% |
| ValueRay Target Price | 31.5 | 9.6% |
HOMB Fundamental Data Overview December 09, 2025
Market Cap USD = 5.58b (5.58b USD * 1.0 USD.USD)
P/E Trailing = 12.3435
P/E Forward = 11.4286
P/S = 5.3528
P/B = 1.3238
P/EG = 3.72
Beta = 0.775
Revenue TTM = 1.36b USD
EBIT TTM = 577.4m USD
EBITDA TTM = 601.0m USD
Long Term Debt = 729.1m USD (from longTermDebt, last quarter)
Short Term Debt = 246.5m USD (from shortTermDebt, last quarter)
Debt = 975.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 174.7m USD (from netDebt column, last quarter)
Enterprise Value = 4.16b USD (5.58b + Debt 975.6m - CCE 2.39b)
Interest Coverage Ratio = 1.44 (Ebit TTM 577.4m / Interest Expense TTM 400.0m)
FCF Yield = 8.50% (FCF TTM 353.6m / Enterprise Value 4.16b)
FCF Margin = 25.99% (FCF TTM 353.6m / Revenue TTM 1.36b)
Net Margin = 33.65% (Net Income TTM 457.8m / Revenue TTM 1.36b)
Gross Margin = 75.91% ((Revenue TTM 1.36b - Cost of Revenue TTM 327.8m) / Revenue TTM)
Gross Margin QoQ = 98.03% (prev 72.07%)
Tobins Q-Ratio = 0.18 (Enterprise Value 4.16b / Total Assets 22.71b)
Interest Expense / Debt = 9.98% (Interest Expense 97.4m / Debt 975.6m)
Taxrate = 16.95% (25.2m / 148.8m)
NOPAT = 479.5m (EBIT 577.4m * (1 - 16.95%))
Current Ratio = 0.14 (Total Current Assets 2.50b / Total Current Liabilities 17.57b)
Debt / Equity = 0.23 (Debt 975.6m / totalStockholderEquity, last quarter 4.21b)
Debt / EBITDA = 0.29 (Net Debt 174.7m / EBITDA 601.0m)
Debt / FCF = 0.49 (Net Debt 174.7m / FCF TTM 353.6m)
Total Stockholder Equity = 4.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.02% (Net Income 457.8m / Total Assets 22.71b)
RoE = 11.23% (Net Income TTM 457.8m / Total Stockholder Equity 4.08b)
RoCE = 12.02% (EBIT 577.4m / Capital Employed (Equity 4.08b + L.T.Debt 729.1m))
RoIC = 9.49% (NOPAT 479.5m / Invested Capital 5.05b)
WACC = 9.03% (E(5.58b)/V(6.56b) * Re(9.16%) + D(975.6m)/V(6.56b) * Rd(9.98%) * (1-Tc(0.17)))
Discount Rate = 9.16% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.15%
[DCF Debug] Terminal Value 74.59% ; FCFE base≈402.2m ; Y1≈409.0m ; Y5≈448.7m
Fair Price DCF = 33.02 (DCF Value 6.49b / Shares Outstanding 196.5m; 5y FCF grow 1.43% → 3.0% )
EPS Correlation: 64.86 | EPS CAGR: 8.45% | SUE: 0.44 | # QB: 0
Revenue Correlation: 69.91 | Revenue CAGR: 12.43% | SUE: 0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.58 | Chg30d=+0.005 | Revisions Net=+1 | Analysts=8
EPS next Year (2026-12-31): EPS=2.43 | Chg30d=+0.025 | Revisions Net=+5 | Growth EPS=+3.1% | Growth Revenue=+2.7%
P/E Trailing = 12.3435
P/E Forward = 11.4286
P/S = 5.3528
P/B = 1.3238
P/EG = 3.72
Beta = 0.775
Revenue TTM = 1.36b USD
EBIT TTM = 577.4m USD
EBITDA TTM = 601.0m USD
Long Term Debt = 729.1m USD (from longTermDebt, last quarter)
Short Term Debt = 246.5m USD (from shortTermDebt, last quarter)
Debt = 975.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 174.7m USD (from netDebt column, last quarter)
Enterprise Value = 4.16b USD (5.58b + Debt 975.6m - CCE 2.39b)
Interest Coverage Ratio = 1.44 (Ebit TTM 577.4m / Interest Expense TTM 400.0m)
FCF Yield = 8.50% (FCF TTM 353.6m / Enterprise Value 4.16b)
FCF Margin = 25.99% (FCF TTM 353.6m / Revenue TTM 1.36b)
Net Margin = 33.65% (Net Income TTM 457.8m / Revenue TTM 1.36b)
Gross Margin = 75.91% ((Revenue TTM 1.36b - Cost of Revenue TTM 327.8m) / Revenue TTM)
Gross Margin QoQ = 98.03% (prev 72.07%)
Tobins Q-Ratio = 0.18 (Enterprise Value 4.16b / Total Assets 22.71b)
Interest Expense / Debt = 9.98% (Interest Expense 97.4m / Debt 975.6m)
Taxrate = 16.95% (25.2m / 148.8m)
NOPAT = 479.5m (EBIT 577.4m * (1 - 16.95%))
Current Ratio = 0.14 (Total Current Assets 2.50b / Total Current Liabilities 17.57b)
Debt / Equity = 0.23 (Debt 975.6m / totalStockholderEquity, last quarter 4.21b)
Debt / EBITDA = 0.29 (Net Debt 174.7m / EBITDA 601.0m)
Debt / FCF = 0.49 (Net Debt 174.7m / FCF TTM 353.6m)
Total Stockholder Equity = 4.08b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.02% (Net Income 457.8m / Total Assets 22.71b)
RoE = 11.23% (Net Income TTM 457.8m / Total Stockholder Equity 4.08b)
RoCE = 12.02% (EBIT 577.4m / Capital Employed (Equity 4.08b + L.T.Debt 729.1m))
RoIC = 9.49% (NOPAT 479.5m / Invested Capital 5.05b)
WACC = 9.03% (E(5.58b)/V(6.56b) * Re(9.16%) + D(975.6m)/V(6.56b) * Rd(9.98%) * (1-Tc(0.17)))
Discount Rate = 9.16% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.15%
[DCF Debug] Terminal Value 74.59% ; FCFE base≈402.2m ; Y1≈409.0m ; Y5≈448.7m
Fair Price DCF = 33.02 (DCF Value 6.49b / Shares Outstanding 196.5m; 5y FCF grow 1.43% → 3.0% )
EPS Correlation: 64.86 | EPS CAGR: 8.45% | SUE: 0.44 | # QB: 0
Revenue Correlation: 69.91 | Revenue CAGR: 12.43% | SUE: 0.07 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.58 | Chg30d=+0.005 | Revisions Net=+1 | Analysts=8
EPS next Year (2026-12-31): EPS=2.43 | Chg30d=+0.025 | Revisions Net=+5 | Growth EPS=+3.1% | Growth Revenue=+2.7%
Additional Sources for HOMB Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle