(HOMB) Home BancShares - NYSE
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 5.640m USD | Total Return: 3.3% in 12m
Avg Turnover: 42.6M
EPS Trend: 72.7%
Qual. Beats: 0
Rev. Trend: 56.6%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
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: 478.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.07 > 1.0 |
| NWC/Revenue: -952.1% < 20% (prev -915.5%; Δ -36.64% < -1%) |
| CFO/TA 0.02 > 3% & CFO 433.1m > Net Income 478.4m |
| Net Debt (-4.24b) to EBITDA (630.8m): -6.71 < 3 |
| Current Ratio: 0.29 > 1.5 & < 3 |
| Outstanding Shares: last quarter (197.7m) vs 12m ago -0.60% < -2% |
| Gross Margin: 78.03% > 18% (prev 66.90%; Δ 11.13% > 0.5%) |
| Asset Turnover: 5.95% > 50% (prev 6.31%; Δ -0.37% > 0%) |
| Interest Coverage Ratio: 1.52 > 6 (EBIT TTM 606.8m / Interest Expense TTM 398.0m) |
| A: -0.56 (Total Current Assets 5.32b - Total Current Liabilities 18.4b) / Total Assets 23.2b |
| B: 0.10 (Retained Earnings 2.34b / Total Assets 23.2b) |
| C: 0.03 (EBIT TTM 606.8m / Avg Total Assets 23.1b) |
| D: 0.23 (Book Value of Equity 4.35b / Total Liabilities 18.9b) |
| Altman-Z'' = -2.95 = D |
| DSRI: 0.97 (Receivables 106.6m/116.0m, Revenue 1.37b/1.45b) |
| GMI: 0.86 (GM 66.90% / 78.03%) |
| AQI: 0.95 (AQ_t 0.75 / AQ_t-1 0.79) |
| SGI: 0.95 (Revenue 1.37b / 1.45b) |
| TATA: 0.00 (NI 478.4m - CFO 433.1m) / TA 23.2b) |
| Beneish M = -3.24 (Cap -4..+1) = AA |
As of June 24, 2026, the stock is trading at USD 28.18 with a total of 1,207,056 shares traded. Over the past week, the price has changed by +1.26%, over one month by +5.19%, over three months by +7.16% and over the past year by +3.27%.
Current recommended Stop Loss: 27.00 (which is 4.2% or 2.2 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 | 31.1 | 10.5% |
P/E Trailing = 11.5226
P/E Forward = 11.1982
P/S = 5.2478
P/B = 1.2966
P/EG = 3.0096
Revenue TTM = 1.37b USD
EBIT TTM = 606.8m USD
EBITDA TTM = 630.8m USD
Long Term Debt = 679.4m USD (from longTermDebt, last quarter)
Short Term Debt = 657.7m USD (from shortTermDebt, last quarter)
Debt = 937.1m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -4.24b USD (calculated: Debt 937.1m - CCE 5.17b)
Enterprise Value = 1.40b USD (5.64b + Debt 937.1m - CCE 5.17b)
Interest Coverage Ratio = 1.52 (Ebit TTM 606.8m / Interest Expense TTM 398.0m)
EV/FCF = 3.46x (Enterprise Value 1.40b / FCF TTM 406.1m)
FCF Yield = 28.92% (FCF TTM 406.1m / Enterprise Value 1.40b)
FCF Margin = 29.57% (FCF TTM 406.1m / Revenue TTM 1.37b)
Net Margin = 34.84% (Net Income TTM 478.4m / Revenue TTM 1.37b)
Gross Margin = 78.03% ((Revenue TTM 1.37b - Cost of Revenue TTM 301.7m) / Revenue TTM)
Gross Margin QoQ = 75.24% (prev 71.55%)
Tobins Q-Ratio = 0.06 (Enterprise Value 1.40b / Total Assets 23.2b)
Interest Expense / Debt = 42.47% (Interest Expense 398.0m / Debt 937.1m)
Taxrate = 21.10% (127.9m / 606.4m)
NOPAT = 478.7m (EBIT 606.8m * (1 - 21.10%))
Current Ratio = 0.29 (Total Current Assets 5.32b / Total Current Liabilities 18.4b)
Debt / Equity = 0.22 (Debt 937.1m / totalStockholderEquity, last quarter 4.35b)
Debt / EBITDA = -6.71 (Net Debt -4.24b / EBITDA 630.8m)
Debt / FCF = -10.43 (Net Debt -4.24b / FCF TTM 406.1m)
Total Stockholder Equity = 4.24b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.07% (Net Income 478.4m / Total Assets 23.2b)
RoE = 11.29% (Net Income TTM 478.4m / Total Stockholder Equity 4.24b)
RoCE = 12.34% (EBIT 606.8m / Capital Employed (Equity 4.24b + L.T.Debt 679.4m))
RoIC = 8.87% (NOPAT 478.7m / Invested Capital 5.39b)
WACC = 11.74% (E(5.64b)/V(6.58b) * Re(8.12%) + D(937.1m)/V(6.58b) * Rd(42.47%) * (1-Tc(0.21)))
Discount Rate = 8.12% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -89.89 | Cagr: -0.94%
[DCF] Terminal Value 65.38% ; FCFF base≈398.2m ; Y1≈416.9m ; Y5≈479.8m
[DCF] Fair Price = 44.24 (EV 4.68b - Net Debt -4.24b = Equity 8.91b / Shares 201.4m; r=11.74% [WACC]; 5y FCF grow 5.11% → 2.50% )
EPS Correlation: 72.66 | EPS CAGR: 6.03% | SUE: 0.45 | # QB: 0
Revenue Correlation: 56.63 | Revenue CAGR: 2.94% | SUE: 0.59 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.61 | Chg30d=-0.26% | Revisions=-64% | Analysts=8
EPS next Quarter (2026-09-30): EPS=0.62 | Chg30d=-2.46% | Revisions=-45% | Analysts=7
EPS current Year (2026-12-31): EPS=2.47 | Chg30d=+0.01% | Revisions=-60% | GrowthEPS=+5.2% | GrowthRev=+4.2%
EPS next Year (2027-12-31): EPS=2.58 | Chg30d=-0.40% | Revisions=-45% | GrowthEPS=+4.5% | GrowthRev=+5.0%
[Analyst] Revisions Ratio: -64%