Overview Dividends

(HOMB) Home BancShares - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US4368932004

Loans, Deposits, Insurance, Digital Banking, Cash Services

HOMB EPS (Earnings per Share)

EPS Growth (3Y CAGR): 5.24%
EPS Trend (3Y Correlation): 52.2%

HOMB Revenue

Revenue Growth (3Y CAGR): -5.35%
Revenue Trend (3Y Correlation): 12.1%

Description: HOMB Home BancShares July 28, 2025

Home BancShares Inc (NYSE:HOMB) is a bank holding company operating through Centennial Bank, providing a range of financial services including commercial and retail banking, loans, and insurance products to individuals, businesses, and municipalities across the United States.

The companys diverse product offerings include various deposit accounts, loan types, and digital banking services, as well as insurance policies for commercial and personal lines of business. With a presence in multiple states, including Arkansas, Florida, Alabama, Texas, and New York, Home BancShares has established a significant regional footprint.

From a financial performance perspective, key metrics to consider include the companys efficiency ratio, which indicates its ability to manage costs and generate revenue. Additionally, the net interest margin (NIM) is a crucial metric, as it reflects the banks ability to generate income from its lending and deposit-taking activities. As a regional bank, Home BancShares asset quality, including its non-performing loan ratio and charge-off rates, is also an important consideration. Furthermore, the companys capital adequacy ratio and dividend yield are other relevant KPIs that investors may want to monitor.

In terms of valuation, Home BancShares price-to-book ratio and dividend payout ratio can provide insights into its relative attractiveness compared to peers. With a market capitalization of approximately $5.9 billion, the companys size and scale are also relevant factors in assessing its investment potential.

HOMB Stock Overview

Market Cap in USD	5,227m
Sub-Industry	Regional Banks
IPO / Inception	2006-06-23

HOMB Stock Ratings

Growth Rating	26.4%
Fundamental	68.6%
Dividend Rating	67.7%
Return 12m vs S&P 500	-12.5%
Analyst Rating	3.88 of 5

HOMB Dividends

Dividend Yield 12m	2.89%
Yield on Cost 5y	5.31%
Annual Growth 5y	9.07%
Payout Consistency	96.9%
Payout Ratio	28.7%

HOMB Growth Ratios

Growth Correlation 3m	-31.9%
Growth Correlation 12m	-13%
Growth Correlation 5y	69.1%
CAGR 5y	5.64%
CAGR/Max DD 3y (Calmar Ratio)	0.26
CAGR/Mean DD 3y (Pain Ratio)	0.65
Sharpe Ratio 12m	-0.14
Alpha	-9.42
Beta	0.771
Volatility	26.14%
Current Volume	1217.4k
Average Volume 20d	1048.1k
Stop Loss	26.5 (-3.2%)
Signal	-0.07

Piotroski VR‑10 (Strict, 0-10) 3.5

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

FCFTA 0.02 (>2.0%) and ΔFCFTA -0.41pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 74.35% (prev -869.8%; Δ 944.1pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.02 (>3.0%) and CFO 399.1m <= Net Income 457.8m (YES >=105%, WARN >=100%)

Net Debt (975.6m) to EBITDA (601.0m) ratio: 1.62 <= 3.0 (WARN <= 3.5)

Current Ratio 1.06 (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'' 0.89

(A) 0.04 = (Total Current Assets 18.32b - Total Current Liabilities 17.31b) / 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: 0.89 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 68.63

1. Piotroski 3.50pt = -1.50

2. FCF Yield 11.95% = 5.0

3. FCF Margin 26.28% = 6.57

4. Debt/Equity 0.23 = 2.47

5. Debt/Ebitda 1.62 = 0.73

6. ROIC - WACC (= 0.72)% = 0.90

7. RoE 11.23% = 0.94

8. Rev. Trend 12.05% = 0.90

9. EPS Trend 52.22% = 2.61

What is the price of HOMB shares?

As of October 25, 2025, the stock is trading at USD 27.37 with a total of 1,217,400 shares traded.
Over the past week, the price has changed by +0.81%, over one month by -4.20%, over three months by -4.33% and over the past year by +3.50%.

Is Home BancShares a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Home BancShares (NYSE:HOMB) is currently (October 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 68.63 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HOMB is around 26.00 USD . This means that HOMB is currently overvalued and has a potential downside of -5.01%.

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	33.4	22%
Analysts Target Price	33.4	22%
ValueRay Target Price	29.1	6.2%

HOMB Fundamental Data Overview October 18, 2025

Market Cap USD = 5.23b (5.23b USD * 1.0 USD.USD)
P/E Trailing = 12.1096
P/E Forward = 11.4286
P/S = 5.1873
P/B = 1.3512
P/EG = 3.72
Beta = 0.771
Revenue TTM = 1.36b USD
EBIT TTM = 577.4m USD
EBITDA TTM = 601.0m USD
Long Term Debt = 1.04b USD (from longTermDebt, last fiscal year)
Short Term Debt = 146.0m USD (from shortTermDebt, last quarter)
Debt = 975.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 975.6m USD (from netDebt column, last quarter)
Enterprise Value = 2.99b USD (5.23b + Debt 975.6m - CCE 3.21b)
Interest Coverage Ratio = 1.44 (Ebit TTM 577.4m / Interest Expense TTM 400.0m)
FCF Yield = 11.95% (FCF TTM 357.6m / Enterprise Value 2.99b)
FCF Margin = 26.28% (FCF TTM 357.6m / 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 = 0.13 (Enterprise Value 2.99b / 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 = 1.06 (Total Current Assets 18.32b / Total Current Liabilities 17.31b)
Debt / Equity = 0.23 (Debt 975.6m / totalStockholderEquity, last quarter 4.21b)
Debt / EBITDA = 1.62 (Net Debt 975.6m / EBITDA 601.0m)
Debt / FCF = 2.73 (Net Debt 975.6m / FCF TTM 357.6m)
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 = 11.29% (EBIT 577.4m / Capital Employed (Equity 4.08b + L.T.Debt 1.04b))
RoIC = 9.49% (NOPAT 479.5m / Invested Capital 5.05b)
WACC = 8.77% (E(5.23b)/V(6.20b) * Re(8.86%) + D(975.6m)/V(6.20b) * Rd(9.98%) * (1-Tc(0.17)))
Discount Rate = 8.86% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.15%
[DCF Debug] Terminal Value 75.63% ; FCFE base≈395.6m ; Y1≈402.3m ; Y5≈441.3m
Fair Price DCF = 34.04 (DCF Value 6.71b / Shares Outstanding 197.1m; 5y FCF grow 1.43% → 3.0% )
EPS Correlation: 52.22 | EPS CAGR: 5.24% | SUE: 0.44 | # QB: 0
Revenue Correlation: 12.05 | Revenue CAGR: -5.35% | SUE: 0.07 | # QB: 0

Additional Sources for HOMB Stock

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