HOMB Stock Analysis: Home BancShares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 6.280m USD | 12M Return: 9.1% | US4368932004 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 42.9M
EPS Trend: 89.2%
Qual. Beats: 1
Rev. Trend: 36.2%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Home BancShares, Inc. is the bank holding company for Centennial Bank, providing commercial and retail banking plus related financial services across multiple U.S. states. Its offerings span deposit products (checking, savings, money market, CDs), a broad loan portfolio (commercial real estate, construction, residential mortgage, consumer, agricultural, and commercial/industrial), and digital/ancillary banking services such as online and mobile banking, cash management, and safe deposit boxes. The company also generates fee-based revenue through trust, wealth management, and custodial services, and operates an insurance agency writing commercial and personal lines including property, casualty, life, and health coverage. Branches are concentrated in Arkansas, Florida, South Alabama, and Texas, with a presence in New York City, and the company is headquartered in Conway, Arkansas, where it traces its origins to 1903.
As a U.S. regional bank operating under the bank holding company structure, Home BancShares is subject to Federal Reserve oversight and benefits from FDIC-backed deposits, a regulatory framework that defines its capital and lending requirements. Its geographic footprint across the Sun Belt-an area with sustained population and business migration-aligns the company with a region experiencing above-average deposit growth potential compared to legacy Northeast banking markets.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan concentration raises credit risk
- Florida deposit growth outpaces peers and fuels loan expansion
| Net Income: 479.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.18 > 1.0 |
| NWC/Revenue: -1.29k% < 20% (prev -1.03k%; Δ -262.0% < -1%) |
| CFO/TA 0.02 > 3% & CFO 452.1m > Net Income 479.4m |
| Net Debt (608.9m) to EBITDA (634.6m): 0.96 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (197.7m) vs 12m ago -0.06% < -2% |
| Gross Margin: 78.54% > 18% (prev 68.40%; Δ 10.14% > 0.5%) |
| Asset Turnover: 5.87% > 50% (prev 6.34%; Δ -0.47% > 0%) |
| Interest Coverage Ratio: 1.55 > 6 (EBIT TTM 609.2m / Interest Expense TTM 394.0m) |
| A: -0.73 (Total Current Assets 388.0m - Total Current Liabilities 18.4b) / Total Assets 24.7b |
| B: 0.10 (Retained Earnings 2.41b / Total Assets 24.7b) |
| C: 0.03 (EBIT TTM 609.2m / Avg Total Assets 23.8b) |
| D: 0.23 (Book Value of Equity 4.55b / Total Liabilities 20.2b) |
| Altman-Z'' = -4.05 = D |
| DSRI: 1.05 (Receivables 108.4m/107.7m, Revenue 1.40b/1.45b) |
| GMI: 0.87 (GM 68.40% / 78.54%) |
| AQI: 1.12 (AQ_t 0.97 / AQ_t-1 0.86) |
| SGI: 0.96 (Revenue 1.40b / 1.45b) |
| TATA: 0.00 (NI 479.4m - CFO 452.1m) / TA 24.7b) |
| Beneish M = -3.06 (Cap -4..+1) = AA |
As of August 22, 2026, the stock is trading at USD 30.27 with a total of 891,325 shares traded. Over the past week, the price has changed by -3.57%, over one month by +0.25%, over three months by +14.65% and over the past year by +9.07%.
Current recommended Stop Loss: 28.90 (which is 4.5% or 2.8 ATR below the current price).
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
| Analysts Target Price | 33 | 9% |
P/E Trailing = 12.9711
P/E Forward = 12.4069
P/S = 5.7119
P/B = 1.3809
P/EG = 3.0096
Revenue TTM = 1.40b USD
EBIT TTM = 609.2m USD
EBITDA TTM = 634.6m USD
Long Term Debt = 729.9m USD (from longTermDebt, last quarter)
Short Term Debt = 158.7m USD (from shortTermDebt, last quarter)
Debt = 888.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 608.9m USD (calculated: Debt 888.6m - CCE 279.7m)
Enterprise Value = 6.89b USD (6.28b + Debt 888.6m - CCE 279.7m)
Interest Coverage Ratio = 1.55 (Ebit TTM 609.2m / Interest Expense TTM 394.0m)
EV/FCF = 16.02x (Enterprise Value 6.89b / FCF TTM 429.9m)
FCF Yield = 6.24% (FCF TTM 429.9m / Enterprise Value 6.89b)
FCF Margin = 30.75% (FCF TTM 429.9m / Revenue TTM 1.40b)
Net Margin = 34.29% (Net Income TTM 479.4m / Revenue TTM 1.40b)
Gross Margin = 78.54% ((Revenue TTM 1.40b - Cost of Revenue TTM 300.0m) / Revenue TTM)
Gross Margin QoQ = 74.28% (prev 75.24%)
Tobins Q-Ratio = 0.28 (Enterprise Value 6.89b / Total Assets 24.7b)
Interest Expense / Debt = 44.34% (Interest Expense 394.0m / Debt 888.6m)
Taxrate = 21.26% (129.4m / 608.8m)
NOPAT = 479.7m (EBIT 609.2m * (1 - 21.26%))
Current Ratio = 0.02 (Total Current Assets 388.0m / Total Current Liabilities 18.4b)
Debt / Equity = 0.20 (Debt 888.6m / totalStockholderEquity, last quarter 4.55b)
Debt / EBITDA = 0.96 (Net Debt 608.9m / EBITDA 634.6m)
Debt / FCF = 1.42 (Net Debt 608.9m / FCF TTM 429.9m)
Total Stockholder Equity = 4.35b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.01% (Net Income 479.4m / Total Assets 24.7b)
RoE = 11.01% (Net Income TTM 479.4m / Total Stockholder Equity 4.35b)
RoCE = 11.99% (EBIT 609.2m / Capital Employed (Equity 4.35b + L.T.Debt 729.9m))
RoIC = 1.95% (NOPAT 479.7m / Invested Capital 24.6b)
WACC = 11.06% (E(6.28b)/V(7.17b) * Re(7.68%) + D(888.6m)/V(7.17b) * Rd(44.34%) * (1-Tc(0.21)))
Discount Rate = 7.68% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -90.99 | Cagr: -0.83%
[DCF] Terminal Value 69.73% ; FCFF base≈401.0m ; Y1≈459.6m ; Y5≈676.5m
[DCF] Fair Price = 31.34 (EV 6.88b - Net Debt 608.9m = Equity 6.27b / Shares 200.0m; r=11.06% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 89.19 | EPS CAGR: 8.84% | SUE: 1.00 | # QB: 1
Revenue Correlation: 36.19 | Revenue CAGR: 1.44% | SUE: 0.73 | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.63 | Chg30d=+2.12% | Revisions=+62% | Analysts=8
EPS current Year (2026-12-31): EPS=2.51 | Chg30d=+1.65% | Revisions=+55% | GrowthEPS=+6.9% | GrowthRev=+4.9%
EPS next Year (2027-12-31): EPS=2.60 | Chg30d=+0.58% | Revisions=+29% | GrowthEPS=+3.4% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +65% (up=15, down=2)