A Business at a Glance
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HOME BANCSHARES INC
HOMB
$6.1B
Mkt Cap
$30.98
+0.81%
HOME BANCSHARES INC (HOMB) has a current P/E ratio of 12.9, compared to its historical median P/E of 12.7. The stock is currently considered Fair based on its historical valuation range.
HOME BANCSHARES INC (HOMB) has a 5-year average return on invested capital (ROIC) of 10.7%. This indicates solid capital allocation.
HOME BANCSHARES INC (HOMB) has a market capitalization of $6.1B. It is classified as a mid-cap stock.
Yes, HOME BANCSHARES INC (HOMB) pays a dividend with a trailing twelve-month yield of 2.65%. The company also returns capital through share buybacks, with a buyback yield of 1.09%.
Based on historical P/E analysis, HOME BANCSHARES INC (HOMB) appears fair. The current P/E of 12.9 is 1% above its historical median of 12.7. The estimated fair value CAGR (P/E method) is 5.7%.
HOME BANCSHARES INC (HOMB) operates in the State Commercial Banks industry, within the Financials sector.
HOME BANCSHARES INC (HOMB) reported annual revenue of $1.5 billion in its most recent fiscal year, based on SEC EDGAR filings.
Home BancShares, Inc. is a Conway, Arkansas-based bank holding company that operates Centennial Bank, a community bank subsidiary with branch locations across Arkansas, Florida, Texas, South Alabama, and New York City. The company earns revenue primarily through traditional commercial and retail banking services—lending, deposits, and related financial services—to businesses, real estate developers, individuals, and municipalities. Home BancShares has built its footprint through acquisitions of 23 community banks since 1999, including the 2022 acquisition of Happy State Bank in Texas and the pending acquisition of Mountain Commerce Bank in Tennessee; it also operates specialized lending platforms including Centennial Commercial Finance Group (focused on national commercial real estate and C&I loans from New York City) and Shore Premier Finance (marine lending from Virginia and Maryland offices). The company's loan portfolio is concentrated in commercial real estate, which represented 53.2% of gross loans at year-end 2025, and the business model emphasizes locally managed decision-making and flexibility to compete with larger institutions. Distribution is primarily through its branch network and loan production offices, with unit economics characterized by traditional net interest margin-based revenue supplemented by non-interest income; the company maintains a conservative balance sheet with substantial loan loss reserves and targets operational efficiency through integration of acquisitions.
【Integration and margin management】 Management expects the Mountain Commerce Bank acquisition to close early in 2026 with cost savings realized by late 2026, and anticipates mid-single-digit loan growth for the year despite expected payoffs in the near term that may dampen early growth. The company is targeting a top-tier efficiency ratio and expects margin pressure in the near term from deposit repricing and maturing debt, though management believes the core margin will remain relatively stable absent significant rate movements. Management remains focused on credit quality with strong asset quality trends and expects resolution of a small number of problem credits in the near term, while maintaining a conservative underwriting posture and targeting continued operational excellence in 2026.
No forward guidance provided.
Generated solely from the company's own reports listed below — not from third-party data. Hallucination risk is low. · Sources: 10-K, Q4 FY2025 Earnings Call, Q3 FY2025 Earnings Call, Q2 FY2025 Earnings Call
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.1B | 1.5B | 1.5B | 1.3B | 1.1B | 763M |
| Net Income | 478M | 475M | 402M | 393M | 305M | 319M |
| EPS | $2.43 | $2.41 | $2.01 | $1.94 | $1.57 | $1.94 |
| Free Cash Flow | 406M | 377M | 422M | 357M | 394M | 379M |
| ROIC | 11.0% | 11.5% | 10.4% | 10.3% | 9.3% | 11.9% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 0.00 | 0.34 | 0.31 | 0.18 | 0.41 | 0.39 |
| Dividends/Share | $0.82 | $0.81 | $0.75 | $0.72 | $0.66 | $0.56 |
| Operating Income | 49M | 52M | 30M | 39M | 48M | 21M |
| Operating Margin | 4.5% | 3.5% | 2.0% | 2.9% | 4.6% | 2.7% |
| ROE | 11.0% | 11.5% | 10.4% | 10.7% | 9.7% | 11.9% |
| Shares Outstanding | 196M | 197M | 200M | 203M | 194M | 164M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 381M | 443M | 524M | 620M | 788M | 818M | 788M | 763M | 1.1B | 1.3B | 1.5B | 1.5B | 1.1B |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 77M | 88M | 102M | 119M | 144M | 154M | 164M | 171M | 239M | 257M | 241M | 253M | 254M |
| EBIT | 177M | 218M | 283M | 9.5M | 396M | 386M | 12M | 21M | 48M | 39M | 30M | 52M | 49M |
| Op. Margin | 46.5% | 49.3% | 54.0% | 1.5% | 50.2% | 47.2% | 1.6% | 2.7% | 4.6% | 2.9% | 2.0% | 3.5% | 4.5% |
| Net Income | 113M | 138M | 177M | 135M | 300M | 290M | 214M | 319M | 305M | 393M | 402M | 475M | 478M |
| Net Margin | 29.7% | 31.2% | 33.8% | 21.8% | 38.1% | 35.4% | 27.2% | 41.8% | 29.0% | 29.2% | 27.4% | 32.2% | 43.6% |
| Non-Recurring | 2.7M | 6K | -2.0M | 4.2M | 3.3M | 1.9M | 2.1M | 4.5M | 698K | 2.1M | 542K | 2.7M | 2.7M |
| Returns on Capital | |||||||||||||
| ROIC | 10.0% | 7.3% | 6.8% | 5.3% | 12.4% | 11.9% | 8.4% | 11.9% | 9.3% | 10.3% | 10.4% | 11.5% | 11.0% |
| ROE | 12.2% | 12.5% | 14.0% | 7.6% | 13.2% | 11.9% | 8.4% | 11.9% | 9.7% | 10.7% | 10.4% | 11.5% | 11.0% |
| ROA | 1.6% | 1.7% | 1.9% | 1.1% | 2.0% | 1.9% | 1.4% | 1.9% | 1.5% | 1.7% | 1.8% | 2.1% | 2.1% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 245M | 205M | 176M | 140M | 304M | 247M | 292M | 389M | 413M | 380M | 461M | 399M | 433M |
| Free Cash Flow | 245M | 195M | 173M | 135M | 296M | 233M | 280M | 379M | 394M | 357M | 422M | 377M | 406M |
| Owner Earnings | 233M | 191M | 155M | 117M | 276M | 217M | 263M | 361M | 372M | 339M | 422M | 359M | 391M |
| CapEx | 67K | 11M | 3.1M | 5.2M | 8.0M | 15M | 12M | 10M | 20M | 22M | 39M | 22M | 27M |
| Maint. CapEx | 10M | 10M | 15M | 17M | 19M | 19M | 20M | 19M | 32M | 31M | 29M | 29M | 31M |
| Growth CapEx | 0 | 240K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9.3M | 0 | 0 |
| D&A | 10M | 10M | 15M | 17M | 19M | 19M | 20M | 19M | 32M | 31M | 29M | 29M | 31M |
| CapEx/OCF | 0.0% | 5.1% | 1.4% | 3.7% | 2.6% | 6.0% | 4.0% | 2.6% | 2.2% | 5.9% | 8.4% | 5.6% | 6.2% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 23M | 38M | 48M | 60M | 80M | 86M | 88M | 92M | 128M | 146M | 150M | 159M | 161M |
| Dividend Yield | 0.7% | 1.0% | 2.0% | 2.0% | 2.6% | 3.3% | 3.8% | 2.6% | 3.2% | 3.5% | 3.1% | 2.9% | 2.7% |
| Share Buybacks | 0 | 2.0M | 9.8M | 21M | 104M | 85M | 26M | 44M | 71M | 49M | 86M | 82M | 66M |
| Buyback Yield | N/A | 0.1% | 0.3% | 0.7% | 4.5% | 3.1% | 0.9% | 1.2% | 1.8% | 1.0% | 1.6% | 1.5% | 1.1% |
| Stock-Based Comp | 2.1M | 3.9M | 6.6M | 6.7M | 9.1M | 11M | 8.6M | 8.8M | 9.1M | 9.3M | 9.2M | 11M | 11M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -645M | 165M | 23M | -823M | -1.6B | -1.3B | -2.6B | -5.7B | -1.6B | -3.9B | -2.3B | -1.8B | -3.8B |
| Cash & Equiv. | 113M | 256M | 217M | 636M | 658M | 491M | 1.3B | 3.7B | 725M | 1.0B | 910M | 667M | 3.8B |
| Long-Term Debt | 183M | 1.4B | 1.3B | 297M | N/A | N/A | 0 | 0 | 296M | 0 | 0 | N/A | 250K |
| Debt/Equity | 0.69 | 1.39 | 0.99 | 0.45 | 0.35 | 0.50 | 0.43 | 0.39 | 0.41 | 0.18 | 0.31 | 0.34 | 0.00 |
| Interest Coverage | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.1 |
| Equity | 1.0B | 1.2B | 1.3B | 2.2B | 2.3B | 2.5B | 2.6B | 2.8B | 3.5B | 3.8B | 4.0B | 4.3B | 4.3B |
| Total Assets | 7.4B | 9.3B | 9.8B | 14.4B | 15.3B | 15.0B | 16.4B | 18.1B | 22.9B | 22.7B | 22.5B | 22.9B | 23.2B |
| Total Liabilities | 6.4B | 8.1B | 8.5B | 12.2B | 13.0B | 12.5B | 13.8B | 15.3B | 19.4B | 18.9B | 18.5B | 18.6B | 18.9B |
| Intangibles | 21M | 21M | 18M | 49M | 43M | 37M | 31M | 25M | 58M | 49M | 40M | 32M | 30M |
| Retained Earnings | 226M | 327M | 456M | 531M | 752M | 957M | 1.0B | 1.3B | 1.4B | 1.7B | 1.9B | 2.3B | 2.3B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 0.43 | 0.51 | 1.26 | 0.89 | 1.73 | 1.73 | 1.30 | 1.94 | 1.57 | 1.94 | 2.01 | 2.41 | 2.43 |
| Owner EPS | 0.88 | 0.70 | 1.10 | 0.77 | 1.59 | 1.30 | 1.59 | 2.20 | 1.91 | 1.68 | 2.11 | 1.82 | 1.99 |
| Book Value | 3.82 | 4.38 | 9.44 | 14.52 | 13.53 | 15.01 | 15.80 | 16.82 | 18.14 | 18.72 | 19.79 | 21.78 | 22.15 |
| Cash Flow/Share | 0.92 | 0.75 | 1.25 | 0.92 | 1.75 | 1.48 | 1.77 | 2.37 | 2.12 | 1.87 | 2.30 | 2.02 | 2.59 |
| Dividends/Share | 0.09 | 0.14 | 0.34 | 0.40 | 0.46 | 0.51 | 0.53 | 0.56 | 0.66 | 0.72 | 0.75 | 0.81 | 0.82 |
| Shares Out. | 266.0M | 273.7M | 140.6M | 151.8M | 173.6M | 167.4M | 165.0M | 164.4M | 194.4M | 202.5M | 200.1M | 197.3M | 196.4M |
| Valuation | |||||||||||||
| P/E Ratio | 14.3 | 15.6 | 17.4 | 21.0 | 7.6 | 9.5 | 13.1 | 11.2 | 13.0 | 12.4 | 13.7 | 11.7 | 12.7 |
| P/FCF | 13.2 | 22.1 | 17.9 | 21.1 | 7.8 | 11.8 | 10.0 | 9.4 | 10.1 | 13.7 | 13.0 | 14.7 | 15.0 |
| EV/EBIT | 10.7 | 15.4 | 13.0 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 46.6 |
| Price/Book | 1.6 | 1.8 | 2.3 | 1.3 | 1.0 | 1.1 | 1.1 | 1.3 | 1.1 | 1.3 | 1.4 | 1.3 | 1.4 |
| Price/Sales | 4.4 | 4.6 | 4.8 | 5.4 | 4.7 | 3.9 | 3.3 | 4.9 | 4.3 | 4.2 | 4.8 | 5.0 | 5.5 |
| FCF Yield | 15.2% | 9.0% | 5.6% | 4.8% | 12.9% | 8.5% | 10.0% | 10.6% | 9.9% | 7.3% | 7.7% | 6.8% | 6.7% |
| Market Cap | 1.6B | 2.2B | 3.1B | 2.8B | 2.3B | 2.7B | 2.8B | 3.6B | 4.0B | 4.9B | 5.5B | 5.6B | 6.1B |
| Avg. Price | 12.04 | 14.13 | 16.76 | 19.71 | 17.98 | 15.39 | 13.94 | 21.30 | 20.80 | 20.75 | 24.56 | 27.86 | 30.98 |
| Year-End Price | 12.17 | 15.72 | 21.96 | 18.71 | 13.22 | 16.35 | 17.05 | 21.69 | 20.48 | 24.09 | 27.44 | 28.16 | 30.98 |
HOME BANCSHARES INC passes 5 of 9 quality checks, suggesting mixed fundamentals.
HOME BANCSHARES INC trades at 12.9x trailing earnings, compared to its 15-year median P/E of 12.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 16.2x vs a median of 12.4x. The company's 5-year average ROIC is 10.7%. Total shareholder yield (dividends + buybacks) is 3.7%. At current prices, the estimated annualized return to fair value is +4.8%.
HOME BANCSHARES INC (HOMB) has a net profit margin of 32.2%. This is a strong margin indicating high profitability.
HOME BANCSHARES INC (HOMB) generated $377 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
HOME BANCSHARES INC (HOMB) has a debt-to-equity ratio of 0.34. This indicates a conservatively financed balance sheet.
HOME BANCSHARES INC (HOMB) reported earnings per share (EPS) of $2.41 in its most recent fiscal year.
HOME BANCSHARES INC (HOMB) has a return on equity (ROE) of 11.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for HOME BANCSHARES INC (HOMB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
HOME BANCSHARES INC (HOMB) has a book value per share of $21.78, based on its most recent annual SEC filing.
Based on recent SEC filings and earnings disclosures, Management expects the Mountain Commerce Bank acquisition to close early in 2026 with cost savings realized by late 2026, and anticipates mid-single-digit loan growth for the year despite expected payoffs in the near term that may dampen early growth. The company is targeting a top-tier efficiency ratio and expects margin pressure in the near term from deposit repricing and maturing debt, though management believes the core margin will remain relatively stable absent significant rate movements. Management remains focused on credit quality with strong asset quality trends and expects resolution of a small number of problem credits in the near term, while maintaining a conservative underwriting posture and targeting continued operational excellence in 2026.