A Business at a Glance
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Company Overview Home BancShares, Inc. (“Home BancShares,” “we,” “us,” “HBI” or the “Company”) is a Conway, Arkansas headquartered bank holding company registered under the federal Bank Holding Company Act of 1956. The Company’s common stock is traded through the New York Stock Exchange under the symbol “HOMB.” We are primarily engaged in providing a broad range of commercial and retail banking and related financial services to businesses, real estate developers and investors, individuals and municipalities through our wholly owned community bank subsidiary – Centennial Bank. Centennial Bank has branch locations in Arkansas, Florida, Texas, South Alabama and New York City. Although the Company has a diversified loan portfolio, at December 31, 2025 and 2024, commercial real estate loans represented 53.2% and 57.6% of gross loans and 194.3% and 214.6% of total stockholders’ equity, respectively.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 1.5B | 1.5B | 1.5B | 1.3B | 1.1B | 763M |
| Net Income | 475M | 475M | 402M | 393M | 305M | 319M |
| EPS | $2.41 | $2.41 | $2.01 | $1.94 | $1.57 | $1.94 |
| Free Cash Flow | 377M | 377M | 422M | 357M | 394M | 379M |
| ROIC | 8.2% | 11.5% | 10.4% | 10.3% | 9.3% | 11.9% |
| Gross Margin | 75.1% | 75.1% | 71.1% | 73.2% | 82.6% | 92.5% |
| Debt/Equity | 0.34 | 0.34 | 0.31 | 0.18 | 0.41 | 0.39 |
| Dividends/Share | $0.81 | $0.81 | $0.75 | $0.72 | $0.66 | $0.56 |
| Operating Income | 52M | 52M | 30M | 39M | 48M | 21M |
| Operating Margin | 3.5% | 3.5% | 2.0% | 2.9% | 4.6% | 2.7% |
| ROE | 11.1% | 11.5% | 10.4% | 10.7% | 9.7% | 11.9% |
| Shares Outstanding | 197M | 197M | 200M | 203M | 194M | 164M |
HOME BANCSHARES INC passes 6 of 9 quality checks, suggesting mixed fundamentals.
HOME BANCSHARES INC trades at 11.6x 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 14.6x vs a median of 12.4x. The company's 5-year average ROIC is 10.7% with a gross margin of 78.9%. Total shareholder yield (dividends + buybacks) is 4.4%. At current prices, the estimated annualized return to fair value is +5.7%.
HOME BANCSHARES INC (HOMB) has a current P/E ratio of 11.6, 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 $5.5B. It is classified as a mid-cap stock.
Yes, HOME BANCSHARES INC (HOMB) pays a dividend with a trailing twelve-month yield of 2.88%. The company also returns capital through share buybacks, with a buyback yield of 1.49%.
Based on historical P/E analysis, HOME BANCSHARES INC (HOMB) appears fair. The current P/E of 11.6 is 9% below its historical median of 12.7. The estimated fair value CAGR (P/E method) is 6.1%.
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 (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.
HOME BANCSHARES INC (HOMB) has a 5-year average gross margin of 78.9%. This high margin suggests strong pricing power and a potential competitive moat.
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.