HOMB Stock Analysis: Home BancShares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 5.775m USD | 12M Return: 11.4% | US4368932004 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 46.7M
EPS Trend: 96.6%
Qual. Beats: 0
Rev. Trend: 36.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 11.7 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. (HOMB) is a U.S. bank holding company that operates Centennial Bank, providing commercial and retail banking and related financial services to businesses, real estate developers and investors, individuals, and municipalities. Founded in 1903 and headquartered in Conway, Arkansas, the company went public in 2006 and is classified as a mid-cap stock in the Financials sector under the Regional Banks sub-industry.
The companys core activities span deposit gathering (checking, savings, money market accounts, and certificates of deposit) and lending across categories that include non-farm/non-residential real estate, construction and land development, residential mortgages, consumer loans, agricultural loans, and commercial and industrial loans. As a regional bank holding company, Home BancShares concentrates its physical branch network in selected markets-Arkansas, Florida, Texas, South Alabama, and New York City-rather than pursuing a nationwide retail footprint, which is a typical operating model for community and regional banks focused on relationship-based lending and local market knowledge.
Beyond traditional banking, Home BancShares offers digital banking channels, cash management, trust and wealth management, custodial and trustee services, and an insurance agency that writes property, casualty, life, health, and employee benefits coverage. This diversified mix of fee-generating services alongside net interest income is common among regional banks seeking to reduce reliance on spread-based earnings and broaden customer relationships within their geographic footprint.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan portfolio faces regulatory scrutiny
- Deposit growth slows amid regional banking competition
- Florida and Texas branch expansion drives loan demand
| Net Income: 485.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.21 > 1.0 |
| NWC/Revenue: -936.2% < 20% (prev -1.11k%; Δ 171.4% < -1%) |
| CFO/TA 0.02 > 3% & CFO 452.1m > Net Income 485.2m |
| Net Debt (-3.78b) to EBITDA (656.4m): -5.76 < 3 |
| Current Ratio: 0.26 > 1.5 & < 3 |
| Outstanding Shares: last quarter (197.7m) vs 12m ago 0.18% < -2% |
| Gross Margin: 74.17% > 18% (prev 75.91%; Δ -1.74% > 0.5%) |
| Asset Turnover: 6.40% > 50% (prev 5.99%; Δ 0.41% > 0%) |
| Interest Coverage Ratio: 1.61 > 6 (EBIT TTM 627.2m / Interest Expense TTM 389.6m) |
| A: -0.58 (Total Current Assets 4.88b - Total Current Liabilities 18.9b) / Total Assets 24.1b |
| B: 0.10 (Retained Earnings 2.50b / Total Assets 24.1b) |
| C: 0.03 (EBIT TTM 627.2m / Avg Total Assets 23.4b) |
| D: 0.23 (Book Value of Equity 4.53b / Total Liabilities 19.6b) |
| Altman-Z'' = -3.06 = D |
| DSRI: 0.92 (Receivables 111.7m/110.7m, Revenue 1.50b/1.36b) |
| GMI: 1.02 (GM 75.91% / 74.17%) |
| AQI: 0.89 (AQ_t 0.78 / AQ_t-1 0.87) |
| SGI: 1.10 (Revenue 1.50b / 1.36b) |
| TATA: 0.00 (NI 485.2m - CFO 452.1m) / TA 24.1b) |
| Beneish M = -3.06 (Cap -4..+1) = AA |
As of October 22, 2026, the stock is trading at USD 29.37 with a total of 1,614,600 shares traded. Over the past week, the price has changed by +3.82%, over one month by -0.81%, over three months by -2.73% and over the past year by +11.36%.
Current recommended Stop Loss: 28.70 (which is 2.3% or 1.3 ATR below the current price).
Home BancShares has received a consensus analysts rating of 3.70. Therefore, it is recommended to hold HOMB.
- StrongBuy: 3
- Buy: 1
- Hold: 6
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 33.3 | 13.2% |
P/E Trailing = 11.832
P/E Forward = 10.9649
P/S = 5.1906
P/B = 1.2687
P/EG = 3.0096
Revenue TTM = 1.50b USD
EBIT TTM = 627.2m USD
EBITDA TTM = 656.4m USD
Long Term Debt = 779.5m USD (from longTermDebt, last fiscal year)
Short Term Debt = 161.2m USD (from shortTermDebt, last quarter)
Debt = 940.7m USD (corrected: LT Debt 779.5m + ST Debt 161.2m)
Net Debt = -3.78b USD (calculated: Debt 940.7m - CCE 4.72b)
Enterprise Value = 1.99b USD (5.78b + Debt 940.7m - CCE 4.72b)
Interest Coverage Ratio = 1.61 (Ebit TTM 627.2m / Interest Expense TTM 389.6m)
EV/FCF = 4.64x (Enterprise Value 1.99b / FCF TTM 429.9m)
FCF Yield = 21.56% (FCF TTM 429.9m / Enterprise Value 1.99b)
FCF Margin = 28.67% (FCF TTM 429.9m / Revenue TTM 1.50b)
Net Margin = 32.36% (Net Income TTM 485.2m / Revenue TTM 1.50b)
Gross Margin = 74.17% ((Revenue TTM 1.50b - Cost of Revenue TTM 387.4m) / Revenue TTM)
Gross Margin QoQ = 75.64% (prev 74.28%)
Tobins Q-Ratio = 0.08 (Enterprise Value 1.99b / Total Assets 24.1b)
Interest Expense / Debt = 41.41% (Interest Expense 389.6m / Debt 940.7m)
Taxrate = 22.60% (141.7m / 626.9m)
NOPAT = 485.5m (EBIT 627.2m * (1 - 22.60%))
Current Ratio = 0.26 (Total Current Assets 4.88b / Total Current Liabilities 18.9b)
Debt / Equity = 0.21 (Debt 940.7m / totalStockholderEquity, last quarter 4.53b)
Debt / EBITDA = -5.76 (Net Debt -3.78b / EBITDA 656.4m)
Debt / FCF = -8.80 (Net Debt -3.78b / FCF TTM 429.9m)
Total Stockholder Equity = 4.43b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.07% (Net Income 485.2m / Total Assets 24.1b)
RoE = 10.95% (Net Income TTM 485.2m / Total Stockholder Equity 4.43b)
RoCE = 12.04% (EBIT 627.2m / Capital Employed (Equity 4.43b + L.T.Debt 779.5m))
RoIC = 9.14% (NOPAT 485.5m / Invested Capital 5.31b)
WACC = 10.67% (E(5.78b)/V(6.72b) * Re(7.19%) + D(940.7m)/V(6.72b) * Rd(41.41%) * (1-Tc(0.23)))
Discount Rate = 7.19% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -85.74 | Cagr: -0.63%
[DCF] Terminal Value 70.84% ; FCFF base≈401.0m ; Y1≈459.6m ; Y5≈676.5m
[DCF] Fair Price = 54.96 (EV 7.21b - Net Debt -3.78b = Equity 11.0b / Shares 200.0m; r=10.67% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: 96.58 | EPS CAGR: 10.87% | SUE: 0.55 | # QB: 0
Revenue Correlation: 36.91 | Revenue CAGR: 1.49% | SUE: 0.63 | # QB: 0
EPS current Quarter (2027-03-31): EPS=0.63 | Chg30d=-0.08% | Revisions=+29% | Analysts=7
EPS current Year (2026-12-31): EPS=2.52 | Chg30d=+0.10% | Revisions=+25% | GrowthEPS=+7.2% | GrowthRev=+4.8%
EPS next Year (2027-12-31): EPS=2.60 | Chg30d=-0.08% | Revisions=+29% | GrowthEPS=+3.2% | GrowthRev=+4.0%
[Analyst] Revisions Ratio: +42% (up=7, down=2)