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

Regional Banks
Market Cap in USD: 5,482m

IPO / Inception: 2006-06-23
Return 12m vs S&P 500: -20.9%

EPS (Earnings per Share)

EPS CAGR: 8.45%
EPS Trend: 64.9%

Last SUE: 0.44
Qual. Beats: 0

Revenue

Rev. CAGR: 12.43%
Rev. Trend: 70.2%

Last SUE: 0.07
Qual. Beats: 0

Dividends

Dividend Yield	2.87%
Yield on Cost 5y	5.00%
Yield CAGR 5y	9.07%
Payout Consistency	95.2%
Payout Ratio	35.8%

Risk via 10d forecast
Volatility	27.2%
Value at Risk 5%th	38.7%
Relative Tail Risk	-13.57%

Reward TTM
Sharpe Ratio	-0.44
Alpha	-24.14
CAGR/Max DD	0.31

Character TTM
Hurst Exponent	0.450
Beta	0.858
Beta Downside	0.988

Drawdowns 3y
Max DD	21.45%
Mean DD	8.69%
Median DD	8.64%

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.

Piotroski VR‑10 (Strict, 0-10) 4.5

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

FCFTA 0.02 (>2.0%) and ΔFCFTA -0.52pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1108 % (prev -869.8%; Δ -237.9pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 385.7m <= Net Income 457.8m (YES >=105%, WARN >=100%)

Net Debt (174.7m) to EBITDA (601.0m) ratio: 0.29 <= 3.0 (WARN <= 3.5)

Current Ratio 0.14 (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'' -3.76

(A) -0.66 = (Total Current Assets 2.50b - Total Current Liabilities 17.57b) / 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: -3.76 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 75.27

1. Piotroski 4.50pt

2. FCF Yield 8.70%

3. FCF Margin 25.99%

4. Debt/Equity 0.23

5. Debt/Ebitda 0.29

6. ROIC - WACC (= 0.45)%

7. RoE 11.23%

8. Rev. Trend 70.24%

9. EPS Trend 64.86%

What is the price of HOMB shares?

As of November 30, 2025, the stock is trading at USD 28.06 with a total of 452,030 shares traded.
Over the past week, the price has changed by +0.61%, over one month by +4.30%, over three months by -5.02% and over the past year by -9.17%.

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	18.1%
Analysts Target Price	33.1	18.1%
ValueRay Target Price	28.5	1.6%

HOMB Fundamental Data Overview November 24, 2025

Market Cap USD = 5.48b (5.48b USD * 1.0 USD.USD)
P/E Trailing = 12.1261
P/E Forward = 11.3895
P/S = 5.2585
P/B = 1.3005
P/EG = 3.72
Beta = 0.779
Revenue TTM = 1.36b USD
EBIT TTM = 577.4m USD
EBITDA TTM = 601.0m USD
Long Term Debt = 729.1m USD (from longTermDebt, last quarter)
Short Term Debt = 246.5m USD (from shortTermDebt, last quarter)
Debt = 975.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 174.7m USD (from netDebt column, last quarter)
Enterprise Value = 4.06b USD (5.48b + Debt 975.6m - CCE 2.39b)
Interest Coverage Ratio = 1.44 (Ebit TTM 577.4m / Interest Expense TTM 400.0m)
FCF Yield = 8.70% (FCF TTM 353.6m / Enterprise Value 4.06b)
FCF Margin = 25.99% (FCF TTM 353.6m / 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 = 0.18 (Enterprise Value 4.06b / 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 = 0.14 (Total Current Assets 2.50b / Total Current Liabilities 17.57b)
Debt / Equity = 0.23 (Debt 975.6m / totalStockholderEquity, last quarter 4.21b)
Debt / EBITDA = 0.29 (Net Debt 174.7m / EBITDA 601.0m)
Debt / FCF = 0.49 (Net Debt 174.7m / FCF TTM 353.6m)
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 = 12.02% (EBIT 577.4m / Capital Employed (Equity 4.08b + L.T.Debt 729.1m))
RoIC = 9.49% (NOPAT 479.5m / Invested Capital 5.05b)
WACC = 9.05% (E(5.48b)/V(6.46b) * Re(9.18%) + D(975.6m)/V(6.46b) * Rd(9.98%) * (1-Tc(0.17)))
Discount Rate = 9.18% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.15%
[DCF Debug] Terminal Value 74.52% ; FCFE base≈402.2m ; Y1≈409.0m ; Y5≈448.7m
Fair Price DCF = 32.91 (DCF Value 6.47b / Shares Outstanding 196.5m; 5y FCF grow 1.43% → 3.0% )
EPS Correlation: 64.86 | EPS CAGR: 8.45% | SUE: 0.44 | # QB: 0
Revenue Correlation: 70.24 | Revenue CAGR: 12.43% | SUE: 0.07 | # QB: 0

Additional Sources for HOMB Stock

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Fund Manager Positions: Dataroma | Stockcircle