(HOMB) Home BancShares - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US4368932004
Stock: Loans, Deposits, Insurance, Digital Banking, Treasury Services
Total Rating 28
Risk 50
Buy Signal -0.60
| Risk 5d forecast | |
|---|---|
| Volatility | 27.3% |
| Relative Tail Risk | -15.3% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.10 |
| Alpha | -17.56 |
| Character TTM | |
|---|---|
| Beta | 0.739 |
| Beta Downside | 1.030 |
| Drawdowns 3y | |
|---|---|
| Max DD | 21.45% |
| CAGR/Max DD | 0.53 |
EPS (Earnings per Share)
Revenue
Description: HOMB Home BancShares March 02, 2026
Home BancShares, Inc. (NYSE:HOMB) is the holding company for Centennial Bank, delivering a full suite of commercial and retail banking services-including deposits, loans, cash-management tools, and insurance products-to individuals, businesses, real-estate developers, and municipalities across Arkansas, Florida, South Alabama, Texas, and New York City.
As of the latest quarter (Q4 2025), HOMB reported total assets of $10.2 billion, a net interest margin of 3.45%, and loan growth of 5% year-over-year, while deposits rose 4% YoY. The bank’s return on equity stood at 11.2% and earnings per share were $1.34, reflecting resilience amid a higher-for-longer Federal Reserve rate environment that is pressuring regional banks’ net interest income.
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Piotroski VR‑10 (Strict, 0-10) 4.5
| Net Income: 475.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.52 > 1.0 |
| NWC/Revenue: -1052 % < 20% (prev -1001 %; Δ -51.19% < -1%) |
| CFO/TA 0.02 > 3% & CFO 439.3m > Net Income 475.4m |
| Net Debt (265.0m) to EBITDA (617.6m): 0.43 < 3 |
| Current Ratio: 0.18 > 1.5 & < 3 |
| Outstanding Shares: last quarter (197.7m) vs 12m ago -0.66% < -2% |
| Gross Margin: 77.30% > 18% (prev 0.66%; Δ 7664 % > 0.5%) |
| Asset Turnover: 6.06% > 50% (prev 6.46%; Δ -0.40% > 0%) |
| Interest Coverage Ratio: 1.10 > 6 (EBITDA TTM 617.6m / Interest Expense TTM 408.8m) |
Altman Z'' -3.57
| A: -0.63 (Total Current Assets 3.11b - Total Current Liabilities 17.57b) / Total Assets 22.88b |
| B: 0.10 (Retained Earnings 2.26b / Total Assets 22.88b) |
| C: 0.02 (EBIT TTM 448.0m / Avg Total Assets 22.69b) |
| D: 0.11 (Book Value of Equity 2.09b / Total Liabilities 18.59b) |
| Altman-Z'' Score: -3.57 = D |
Beneish M
| DSRI: none (Receivables none/120.1m, Revenue 1.37b/1.45b) |
| GMI: 0.85 (GM 77.30% / 65.61%) |
| AQI: 0.99 (AQ_t 0.85 / AQ_t-1 0.86) |
| SGI: 0.95 (Revenue 1.37b / 1.45b) |
| TATA: 0.00 (NI 475.4m - CFO 439.3m) / TA 22.88b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of HOMB shares?
As of March 06, 2026, the stock is trading at USD 27.58 with a total of 1,314,786 shares traded.
Over the past week, the price has changed by -4.47%, over one month by -7.67%, over three months by -2.17% and over the past year by -1.92%.
Over the past week, the price has changed by -4.47%, over one month by -7.67%, over three months by -2.17% and over the past year by -1.92%.
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.
- StrongBuy: 3
- Buy: 1
- Hold: 4
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the HOMB price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 33.3 | 20.6% |
| Analysts Target Price | 33.3 | 20.6% |
HOMB Fundamental Data Overview March 06, 2026
P/E Trailing = 11.6266
P/E Forward = 11.1359
P/S = 5.1563
P/B = 1.2745
P/EG = 3.0096
Revenue TTM = 1.37b USD
EBIT TTM = 448.0m USD
EBITDA TTM = 617.6m USD
Long Term Debt = 729.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = 155.8m USD (from shortTermDebt, last quarter)
Debt = 935.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 265.0m USD (from netDebt column, last quarter)
Enterprise Value = 3.34b USD (5.51b + Debt 935.3m - CCE 3.11b)
Interest Coverage Ratio = 1.10 (Ebit TTM 448.0m / Interest Expense TTM 408.8m)
EV/FCF = 10.73x (Enterprise Value 3.34b / FCF TTM 310.9m)
FCF Yield = 9.32% (FCF TTM 310.9m / Enterprise Value 3.34b)
FCF Margin = 22.62% (FCF TTM 310.9m / Revenue TTM 1.37b)
Net Margin = 34.59% (Net Income TTM 475.4m / Revenue TTM 1.37b)
Gross Margin = 77.30% ((Revenue TTM 1.37b - Cost of Revenue TTM 312.0m) / Revenue TTM)
Gross Margin QoQ = 71.55% (prev none%)
Tobins Q-Ratio = 0.15 (Enterprise Value 3.34b / Total Assets 22.88b)
Interest Expense / Debt = 12.23% (Interest Expense 114.4m / Debt 935.3m)
Taxrate = 22.89% (35.1m / 153.3m)
NOPAT = 345.4m (EBIT 448.0m * (1 - 22.89%))
Current Ratio = 0.18 (Total Current Assets 3.11b / Total Current Liabilities 17.57b)
Debt / Equity = 0.22 (Debt 935.3m / totalStockholderEquity, last quarter 4.30b)
Debt / EBITDA = 0.43 (Net Debt 265.0m / EBITDA 617.6m)
Debt / FCF = 0.85 (Net Debt 265.0m / FCF TTM 310.9m)
Total Stockholder Equity = 4.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.10% (Net Income 475.4m / Total Assets 22.88b)
RoE = 11.43% (Net Income TTM 475.4m / Total Stockholder Equity 4.16b)
RoCE = 9.16% (EBIT 448.0m / Capital Employed (Equity 4.16b + L.T.Debt 729.1m))
RoIC = 6.82% (NOPAT 345.4m / Invested Capital 5.07b)
WACC = 8.75% (E(5.51b)/V(6.45b) * Re(8.64%) + D(935.3m)/V(6.45b) * Rd(12.23%) * (1-Tc(0.23)))
Discount Rate = 8.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.06%
[DCF] Terminal Value 74.91% ; FCFF base≈355.4m ; Y1≈345.4m ; Y5≈345.4m
[DCF] Fair Price = 25.75 (EV 5.33b - Net Debt 265.0m = Equity 5.06b / Shares 196.6m; r=8.75% [WACC]; 5y FCF grow -3.91% → 2.90% )
EPS Correlation: 67.17 | EPS CAGR: 13.76% | SUE: 0.0 | # QB: 0
Revenue Correlation: 63.42 | Revenue CAGR: 22.88% | SUE: 2.09 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.63 | Chg7d=-0.001 | Chg30d=+0.019 | Revisions Net=+5 | Analysts=9
EPS current Year (2026-12-31): EPS=2.51 | Chg7d=+0.000 | Chg30d=-0.000 | Revisions Net=+2 | Growth EPS=+6.9% | Growth Revenue=+6.5%
EPS next Year (2027-12-31): EPS=2.64 | Chg7d=+0.000 | Chg30d=-0.004 | Revisions Net=+1 | Growth EPS=+5.2% | Growth Revenue=+5.1%
[Analyst] Revisions Ratio: +1.00 (5 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.0% (Discount Rate 8.6% - Earnings Yield 8.6%)
[Growth] Growth Spread = +7.8% (Analyst 7.8% - Implied 0.0%)
P/E Forward = 11.1359
P/S = 5.1563
P/B = 1.2745
P/EG = 3.0096
Revenue TTM = 1.37b USD
EBIT TTM = 448.0m USD
EBITDA TTM = 617.6m USD
Long Term Debt = 729.1m USD (from longTermDebt, two quarters ago)
Short Term Debt = 155.8m USD (from shortTermDebt, last quarter)
Debt = 935.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 265.0m USD (from netDebt column, last quarter)
Enterprise Value = 3.34b USD (5.51b + Debt 935.3m - CCE 3.11b)
Interest Coverage Ratio = 1.10 (Ebit TTM 448.0m / Interest Expense TTM 408.8m)
EV/FCF = 10.73x (Enterprise Value 3.34b / FCF TTM 310.9m)
FCF Yield = 9.32% (FCF TTM 310.9m / Enterprise Value 3.34b)
FCF Margin = 22.62% (FCF TTM 310.9m / Revenue TTM 1.37b)
Net Margin = 34.59% (Net Income TTM 475.4m / Revenue TTM 1.37b)
Gross Margin = 77.30% ((Revenue TTM 1.37b - Cost of Revenue TTM 312.0m) / Revenue TTM)
Gross Margin QoQ = 71.55% (prev none%)
Tobins Q-Ratio = 0.15 (Enterprise Value 3.34b / Total Assets 22.88b)
Interest Expense / Debt = 12.23% (Interest Expense 114.4m / Debt 935.3m)
Taxrate = 22.89% (35.1m / 153.3m)
NOPAT = 345.4m (EBIT 448.0m * (1 - 22.89%))
Current Ratio = 0.18 (Total Current Assets 3.11b / Total Current Liabilities 17.57b)
Debt / Equity = 0.22 (Debt 935.3m / totalStockholderEquity, last quarter 4.30b)
Debt / EBITDA = 0.43 (Net Debt 265.0m / EBITDA 617.6m)
Debt / FCF = 0.85 (Net Debt 265.0m / FCF TTM 310.9m)
Total Stockholder Equity = 4.16b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.10% (Net Income 475.4m / Total Assets 22.88b)
RoE = 11.43% (Net Income TTM 475.4m / Total Stockholder Equity 4.16b)
RoCE = 9.16% (EBIT 448.0m / Capital Employed (Equity 4.16b + L.T.Debt 729.1m))
RoIC = 6.82% (NOPAT 345.4m / Invested Capital 5.07b)
WACC = 8.75% (E(5.51b)/V(6.45b) * Re(8.64%) + D(935.3m)/V(6.45b) * Rd(12.23%) * (1-Tc(0.23)))
Discount Rate = 8.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.06%
[DCF] Terminal Value 74.91% ; FCFF base≈355.4m ; Y1≈345.4m ; Y5≈345.4m
[DCF] Fair Price = 25.75 (EV 5.33b - Net Debt 265.0m = Equity 5.06b / Shares 196.6m; r=8.75% [WACC]; 5y FCF grow -3.91% → 2.90% )
EPS Correlation: 67.17 | EPS CAGR: 13.76% | SUE: 0.0 | # QB: 0
Revenue Correlation: 63.42 | Revenue CAGR: 22.88% | SUE: 2.09 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.63 | Chg7d=-0.001 | Chg30d=+0.019 | Revisions Net=+5 | Analysts=9
EPS current Year (2026-12-31): EPS=2.51 | Chg7d=+0.000 | Chg30d=-0.000 | Revisions Net=+2 | Growth EPS=+6.9% | Growth Revenue=+6.5%
EPS next Year (2027-12-31): EPS=2.64 | Chg7d=+0.000 | Chg30d=-0.004 | Revisions Net=+1 | Growth EPS=+5.2% | Growth Revenue=+5.1%
[Analyst] Revisions Ratio: +1.00 (5 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.0% (Discount Rate 8.6% - Earnings Yield 8.6%)
[Growth] Growth Spread = +7.8% (Analyst 7.8% - Implied 0.0%)