Overview Dividends

(HOMB) Home BancShares - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4368932004

Checking, Savings, Loans, Insurance, Digital

HOMB EPS (Earnings per Share)

EPS Growth (3Y CAGR): 5.24%
EPS Trend (3Y Correlation): 52.2%

HOMB Revenue

Revenue Growth (3Y CAGR): -5.35%
Revenue Trend (3Y Correlation): 12.1%

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.

HOMB Stock Overview

Market Cap in USD	5,385m
Sub-Industry	Regional Banks
IPO / Inception	2006-06-23

HOMB Stock Ratings

Growth Rating	12.9%
Fundamental	68.6%
Dividend Rating	67.2%
Return 12m vs S&P 500	-15.9%
Analyst Rating	3.88 of 5

HOMB Dividends

Dividend Yield 12m	2.87%
Yield on Cost 5y	4.87%
Annual Growth 5y	9.07%
Payout Consistency	96.9%
Payout Ratio	29.3%

HOMB Growth Ratios

Growth Correlation 3m	-80.8%
Growth Correlation 12m	-32.8%
Growth Correlation 5y	68.9%
CAGR 5y	5.23%
CAGR/Max DD 3y (Calmar Ratio)	0.24
CAGR/Mean DD 3y (Pain Ratio)	0.59
Sharpe Ratio 12m	-0.48
Alpha	-11.58
Beta	0.771
Volatility	25.50%
Current Volume	509.6k
Average Volume 20d	1078.6k
Stop Loss	26.6 (-3.2%)
Signal	0.51

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income (457.8m TTM) > 0 and > 6% of Revenue (6% = 81.6m TTM)

FCFTA 0.02 (>2.0%) and ΔFCFTA -0.41pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 74.35% (prev -869.8%; Δ 944.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 399.1m <= Net Income 457.8m (YES >=105%, WARN >=100%)

Net Debt (975.6m) to EBITDA (601.0m) ratio: 1.62 <= 3.0 (WARN <= 3.5)

Current Ratio 1.06 (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'' 0.89

(A) 0.04 = (Total Current Assets 18.32b - Total Current Liabilities 17.31b) / Total Assets 22.71b

(B) 0.10 = Retained Earnings (Balance) 2.18b / Total Assets 22.71b

(D) 0.11 = Book Value of Equity 2.00b / Total Liabilities 18.49b

Total Rating: 0.89 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 68.62

1. Piotroski 3.50pt = -1.50

2. FCF Yield 11.35% = 5.0

3. FCF Margin 26.28% = 6.57

4. Debt/Equity 0.23 = 2.47

5. Debt/Ebitda 1.62 = 0.73

6. ROIC - WACC (= 0.72)% = 0.90

7. RoE 11.23% = 0.94

8. Rev. Trend 12.05% = 0.90

9. EPS Trend 52.22% = 2.61

What is the price of HOMB shares?

As of November 09, 2025, the stock is trading at USD 27.48 with a total of 509,633 shares traded.
Over the past week, the price has changed by +2.88%, over one month by -1.51%, over three months by +0.45% and over the past year by -4.07%.

Is Home BancShares a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Home BancShares (NYSE:HOMB) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 68.62 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HOMB is around 26.00 USD . This means that HOMB is currently overvalued and has a potential downside of -5.39%.

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	20.6%
Analysts Target Price	33.1	20.6%
ValueRay Target Price	29.1	5.7%

HOMB Fundamental Data Overview October 29, 2025

Market Cap USD = 5.38b (5.38b USD * 1.0 USD.USD)
P/E Trailing = 11.8913
P/E Forward = 11.4286
P/S = 5.1751
P/B = 1.3512
P/EG = 3.72
Beta = 0.771
Revenue TTM = 1.36b USD
EBIT TTM = 577.4m USD
EBITDA TTM = 601.0m USD
Long Term Debt = 1.04b USD (from longTermDebt, last fiscal year)
Short Term Debt = 146.0m USD (from shortTermDebt, last quarter)
Debt = 975.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 975.6m USD (from netDebt column, last quarter)
Enterprise Value = 3.15b USD (5.38b + Debt 975.6m - CCE 3.21b)
Interest Coverage Ratio = 1.44 (Ebit TTM 577.4m / Interest Expense TTM 400.0m)
FCF Yield = 11.35% (FCF TTM 357.6m / Enterprise Value 3.15b)
FCF Margin = 26.28% (FCF TTM 357.6m / 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 = 0.14 (Enterprise Value 3.15b / 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 = 1.06 (Total Current Assets 18.32b / Total Current Liabilities 17.31b)
Debt / Equity = 0.23 (Debt 975.6m / totalStockholderEquity, last quarter 4.21b)
Debt / EBITDA = 1.62 (Net Debt 975.6m / EBITDA 601.0m)
Debt / FCF = 2.73 (Net Debt 975.6m / FCF TTM 357.6m)
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 = 11.29% (EBIT 577.4m / Capital Employed (Equity 4.08b + L.T.Debt 1.04b))
RoIC = 9.49% (NOPAT 479.5m / Invested Capital 5.05b)
WACC = 8.77% (E(5.38b)/V(6.36b) * Re(8.86%) + D(975.6m)/V(6.36b) * Rd(9.98%) * (1-Tc(0.17)))
Discount Rate = 8.86% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.15%
[DCF Debug] Terminal Value 75.63% ; FCFE base≈395.6m ; Y1≈402.3m ; Y5≈441.3m
Fair Price DCF = 34.07 (DCF Value 6.71b / Shares Outstanding 196.9m; 5y FCF grow 1.43% → 3.0% )
EPS Correlation: 52.22 | EPS CAGR: 5.24% | SUE: 0.44 | # QB: 0
Revenue Correlation: 12.05 | Revenue CAGR: -5.35% | SUE: 0.07 | # QB: 0

Additional Sources for HOMB Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle