(HOMB) Home BancShares - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 5.701m USD | Total Return: 9.1% in 12m

Loans, Deposits, Insurance, Digital Banking, Treasury Services
Total Rating 31
Safety 33
Buy Signal 0.08
Banks - Regional
Industry Rotation: +9.9
Market Cap: 5.70B
Avg Turnover: 33.1M USD
ATR: 2.18%
Peers RS (IBD): 5.8
Risk 5d forecast
Volatility26.1%
Rel. Tail Risk-12.9%
Reward TTM
Sharpe Ratio0.51
Alpha-14.04
Character TTM
Beta0.807
Beta Downside1.114
Drawdowns 3y
Max DD21.45%
CAGR/Max DD0.64
EPS (Earnings per Share) EPS (Earnings per Share) of HOMB over the last years for every Quarter: "2021-03": 0.47, "2021-06": 0.46, "2021-09": 0.45, "2021-12": 0.45, "2022-03": 0.37, "2022-06": 0.47, "2022-09": 0.54, "2022-12": 0.53, "2023-03": 0.54, "2023-06": 0.51, "2023-09": 0.47, "2023-12": 0.46, "2024-03": 0.49, "2024-06": 0.52, "2024-09": 0.5, "2024-12": 0.5, "2025-03": 0.56, "2025-06": 0.58, "2025-09": 0.61, "2025-12": 0.6,
EPS CAGR: 13.76%
EPS Trend: 67.2%
Last SUE: 0.00
Qual. Beats: 0
Revenue Revenue of HOMB over the last years for every Quarter: 2021-03: 205.469, 2021-06: 182.735, 2021-09: 183.517, 2021-12: 180.263, 2022-03: 172.748, 2022-06: 257.844, 2022-09: 282.025, 2022-12: 325.358, 2023-03: 315.493, 2023-06: 332.58, 2023-09: 333.684, 2023-12: 342.929, 2024-03: 355.29, 2024-06: 364.331, 2024-09: 372.051, 2024-12: 360.332, 2025-03: 354.795, 2025-06: 365.767, 2025-09: 279.671, 2025-12: 374.131,
Rev. CAGR: 22.88%
Rev. Trend: 63.4%
Last SUE: 2.09
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: HOMB Home BancShares

Home BancShares, Inc. (NYSE:HOMB) is the holding company for Centennial Bank, delivering a full suite of commercial and retail banking services-including deposits, loans, cash-management tools, and insurance products-to individuals, businesses, real-estate developers, and municipalities across Arkansas, Florida, South Alabama, Texas, and New York City.

As of the latest quarter (Q4 2025), HOMB reported total assets of $10.2 billion, a net interest margin of 3.45%, and loan growth of 5% year-over-year, while deposits rose 4% YoY. The bank’s return on equity stood at 11.2% and earnings per share were $1.34, reflecting resilience amid a higher-for-longer Federal Reserve rate environment that is pressuring regional banks’ net interest income.

For deeper analysis, you may want to explore ValueRay’s platform.

Headlines to Watch Out For
  • Net interest income growth depends on interest rate environment
  • Real estate loan demand impacts revenue and asset quality
  • Regulatory changes in banking sector increase compliance costs
  • Economic conditions in operating regions affect loan performance
  • Insurance segment performance diversifies revenue streams
Piotroski VR‑10 (Strict) 4.5
Net Income: 475.4m TTM > 0 and > 6% of Revenue
FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.52 > 1.0
NWC/Revenue: -1.06k% < 20% (prev -1.00k%; Δ -55.67% < -1%)
CFO/TA 0.02 > 3% & CFO 439.3m > Net Income 475.4m
Net Debt (-1.30b) to EBITDA (617.6m): -2.11 < 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 7.66k% > 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'' -3.59
A: -0.63 (Total Current Assets 3.11b - Total Current Liabilities 17.64b) / 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: -3.59 = D
Beneish M -3.24
DSRI: 0.96 (Receivables 108.9m/120.1m, Revenue 1.37b/1.45b)
GMI: 0.85 (GM 77.30% / 65.61%)
AQI: 0.99 (AQ_t 0.85 / AQ_t-1 0.86)
SGI: 0.95 (Revenue 1.37b / 1.45b)
TATA: 0.00 (NI 475.4m - CFO 439.3m) / TA 22.88b)
Beneish M-Score: -3.24 (Cap -4..+1) = AA
What is the price of HOMB shares? As of April 16, 2026, the stock is trading at USD 27.96 with a total of 1,172,743 shares traded.
Over the past week, the price has changed by -1.71%, over one month by +4.93%, over three months by -3.48% and over the past year by +9.07%.
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.
  • StrongBuy: 3
  • Buy: 1
  • Hold: 4
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the HOMB price?
Analysts Target Price 33.1 18.5%
Home BancShares (HOMB) - Fundamental Data Overview as of 15 April 2026
P/E Trailing = 11.7095
P/E Forward = 11.1982
P/S = 5.3357
P/B = 1.3161
P/EG = 3.0096
Revenue TTM = 1.37b USD
EBIT TTM = 448.0m USD
EBITDA TTM = 617.6m USD
Long Term Debt = 779.5m USD (from longTermDebt, last quarter)
Short Term Debt = 155.8m USD (from shortTermDebt, last quarter)
Debt = 935.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.30b USD (recalculated: Debt 935.3m - CCE 2.24b)
Enterprise Value = 4.40b USD (5.70b + Debt 935.3m - CCE 2.24b)
Interest Coverage Ratio = 1.10 (Ebit TTM 448.0m / Interest Expense TTM 408.8m)
EV/FCF = 14.15x (Enterprise Value 4.40b / FCF TTM 310.9m)
FCF Yield = 7.07% (FCF TTM 310.9m / Enterprise Value 4.40b)
FCF Margin = 22.62% (FCF TTM 310.9m / 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 = 0.19 (Enterprise Value 4.40b / 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 17.64b)
Debt / Equity = 0.22 (Debt 935.3m / totalStockholderEquity, last quarter 4.30b)
Debt / EBITDA = -2.11 (Net Debt -1.30b / EBITDA 617.6m)
Debt / FCF = -4.19 (Net Debt -1.30b / FCF TTM 310.9m)
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 = 9.07% (EBIT 448.0m / Capital Employed (Equity 4.16b + L.T.Debt 779.5m))
RoIC = 6.81% (NOPAT 345.4m / Invested Capital 5.07b)
WACC = 8.91% (E(5.70b)/V(6.64b) * Re(8.82%) + D(935.3m)/V(6.64b) * Rd(12.23%) * (1-Tc(0.23)))
Discount Rate = 8.82% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.06%
[DCF] Terminal Value 74.73% ; FCFF base≈355.4m ; Y1≈345.4m ; Y5≈346.3m
[DCF] Fair Price = 32.56 (EV 5.28b - Net Debt -1.30b = Equity 6.58b / Shares 202.0m; r=8.91% [WACC]; 5y FCF grow -3.91% → 3.0% )
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 (2026-06-30): EPS=0.62 | Chg7d=-0.003 | Chg30d=-0.003 | Revisions Net=+5 | Analysts=8
EPS current Year (2026-12-31): EPS=2.51 | Chg7d=+0.000 | Chg30d=+0.000 | Revisions Net=+2 | Growth EPS=+6.9% | Growth Revenue=+6.2%
EPS next Year (2027-12-31): EPS=2.65 | Chg7d=+0.004 | Chg30d=+0.004 | Revisions Net=+1 | Growth EPS=+5.4% | Growth Revenue=+5.2%
[Analyst] Revisions Ratio: +1.00 (5 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.3% (Discount Rate 8.8% - Earnings Yield 8.5%)
[Growth] Growth Spread = +7.2% (Analyst 7.5% - Implied 0.3%)
External Resources
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