(HOMB) Home BancShares - Overview
Stock: Deposits, Loans, Insurance, Digital Banking
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 2.78% |
| Yield on Cost 5y | 5.18% |
| Yield CAGR 5y | 9.50% |
| Payout Consistency | 99.4% |
| Payout Ratio | 34.9% |
| Risk 5d forecast | |
|---|---|
| Volatility | 26.8% |
| Relative Tail Risk | -14.1% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.00 |
| Alpha | -11.71 |
| Character TTM | |
|---|---|
| Beta | 0.811 |
| Beta Downside | 0.959 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.45% |
| CAGR/Max DD | 0.54 |
Description: HOMB Home BancShares January 08, 2026
Home BancShares, Inc. (NYSE: HOMB) is the holding company for Centennial Bank, a community-focused financial institution that serves commercial, retail and municipal clients across Arkansas, Florida, South Alabama, Texas and New York City. Its product suite includes deposit accounts (checking, savings, money-market, CDs, U.S. Savings Bonds), a broad loan portfolio (non-farm/non-residential real-estate, construction, residential mortgage, consumer, agricultural, and commercial-industrial), and ancillary services such as cash-management, mobile/online banking, and personal-line insurance underwriting.
As of the most recent quarter (Q2 2024), HOMB reported a net interest margin (NIM) of roughly 3.5%, modest loan growth of 4.2% YoY, and a deposit base expanding at 5.1% YoY, keeping its loan-to-deposit ratio near 78%-a level that suggests balanced liquidity in a rising-rate environment. The regional-bank sector remains sensitive to Federal Reserve policy; higher rates have generally boosted NIMs but also pressure credit quality, especially in construction and commercial-real-estate exposure. Moreover, HOMB’s efficiency ratio hovered around 55%, indicating operational cost control that is better than the industry average of ~60% for similarly sized banks.
For a deeper quantitative assessment, you may want to explore ValueRay’s detailed valuation models.
Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 475.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.57 > 1.0 |
| NWC/Revenue: -1052 % < 20% (prev -1001 %; Δ -51.19% < -1%) |
| CFO/TA 0.02 > 3% & CFO 385.7m > Net Income 475.4m |
| Net Debt (265.0m) to EBITDA (617.6m): 0.43 < 3 |
| Current Ratio: 0.18 > 1.5 & < 3 |
| Outstanding Shares: last quarter (197.7m) vs 12m ago -0.66% < -2% |
| Gross Margin: 77.30% > 18% (prev 0.66%; Δ 7664 % > 0.5%) |
| Asset Turnover: 6.06% > 50% (prev 6.46%; Δ -0.40% > 0%) |
| Interest Coverage Ratio: 1.10 > 6 (EBITDA TTM 617.6m / Interest Expense TTM 408.8m) |
Altman Z'' -3.57
| A: -0.63 (Total Current Assets 3.11b - Total Current Liabilities 17.57b) / Total Assets 22.88b |
| B: 0.10 (Retained Earnings 2.26b / Total Assets 22.88b) |
| C: 0.02 (EBIT TTM 448.0m / Avg Total Assets 22.69b) |
| D: 0.11 (Book Value of Equity 2.09b / Total Liabilities 18.59b) |
| Altman-Z'' Score: -3.57 = D |
What is the price of HOMB shares?
Over the past week, the price has changed by +5.85%, over one month by +7.26%, over three months by +13.79% and over the past year by +0.83%.
Is HOMB a buy, sell or hold?
- StrongBuy: 3
- Buy: 1
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the HOMB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 33.1 | 8.3% |
| Analysts Target Price | 33.1 | 8.3% |
| ValueRay Target Price | 33.6 | 10% |
HOMB Fundamental Data Overview February 02, 2026
P/E Forward = 11.5607
P/S = 5.3132
P/B = 1.323
P/EG = 3.72
Revenue TTM = 1.37b USD
EBIT TTM = 448.0m USD
EBITDA TTM = 617.6m USD
Long Term Debt = 729.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = 155.8m USD (from shortTermDebt, last quarter)
Debt = 935.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 265.0m USD (from netDebt column, last quarter)
Enterprise Value = 3.51b USD (5.68b + Debt 935.3m - CCE 3.11b)
Interest Coverage Ratio = 1.10 (Ebit TTM 448.0m / Interest Expense TTM 408.8m)
EV/FCF = 9.93x (Enterprise Value 3.51b / FCF TTM 353.6m)
FCF Yield = 10.07% (FCF TTM 353.6m / Enterprise Value 3.51b)
FCF Margin = 25.73% (FCF TTM 353.6m / Revenue TTM 1.37b)
Net Margin = 34.59% (Net Income TTM 475.4m / Revenue TTM 1.37b)
Gross Margin = 77.30% ((Revenue TTM 1.37b - Cost of Revenue TTM 312.0m) / Revenue TTM)
Gross Margin QoQ = 71.55% (prev none%)
Tobins Q-Ratio = 0.15 (Enterprise Value 3.51b / Total Assets 22.88b)
Interest Expense / Debt = 12.23% (Interest Expense 114.4m / Debt 935.3m)
Taxrate = 22.89% (35.1m / 153.3m)
NOPAT = 345.4m (EBIT 448.0m * (1 - 22.89%))
Current Ratio = 0.18 (Total Current Assets 3.11b / Total Current Liabilities 17.57b)
Debt / Equity = 0.22 (Debt 935.3m / totalStockholderEquity, last quarter 4.30b)
Debt / EBITDA = 0.43 (Net Debt 265.0m / EBITDA 617.6m)
Debt / FCF = 0.75 (Net Debt 265.0m / FCF TTM 353.6m)
Total Stockholder Equity = 4.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.10% (Net Income 475.4m / Total Assets 22.88b)
RoE = 11.43% (Net Income TTM 475.4m / Total Stockholder Equity 4.16b)
RoCE = 9.16% (EBIT 448.0m / Capital Employed (Equity 4.16b + L.T.Debt 729.1m))
RoIC = 6.82% (NOPAT 345.4m / Invested Capital 5.07b)
WACC = 8.97% (E(5.68b)/V(6.62b) * Re(8.90%) + D(935.3m)/V(6.62b) * Rd(12.23%) * (1-Tc(0.23)))
Discount Rate = 8.90% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.06%
[DCF Debug] Terminal Value 74.87% ; FCFF base≈402.2m ; Y1≈408.9m ; Y5≈447.6m
Fair Price DCF = 32.15 (EV 6.59b - Net Debt 265.0m = Equity 6.32b / Shares 196.7m; r=8.97% [WACC]; 5y FCF grow 1.43% → 2.90% )
EPS Correlation: 67.17 | EPS CAGR: 13.76% | SUE: 0.0 | # QB: 0
Revenue Correlation: 63.42 | Revenue CAGR: 22.88% | SUE: 2.09 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.59 | Chg30d=+0.010 | Revisions Net=+3 | Analysts=8
EPS current Year (2026-12-31): EPS=2.51 | Chg30d=+0.049 | Revisions Net=+2 | Growth EPS=+6.9% | Growth Revenue=+6.5%
EPS next Year (2027-12-31): EPS=2.65 | Chg30d=+0.055 | Revisions Net=+1 | Growth EPS=+5.3% | Growth Revenue=+5.1%