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

HOMB EPS (Earnings per Share)

EPS (Earnings per Share) of HOMB over the last years for every Quarter: "2020-09": 0.41, "2020-12": 0.48, "2021-03": 0.47, "2021-06": 0.46, "2021-09": 0.45, "2021-12": 0.45, "2022-03": 0.37, "2022-06": 0.47, "2022-09": 0.54, "2022-12": 0.53, "2023-03": 0.54, "2023-06": 0.51, "2023-09": 0.47, "2023-12": 0.46, "2024-03": 0.49, "2024-06": 0.52, "2024-09": 0.5, "2024-12": 0.5, "2025-03": 0.56, "2025-06": 0.58, "2025-09": 0.61,
EPS Growth (3Y CAGR): 5.24%
EPS Trend (3Y Correlation): 52.2%

HOMB Revenue

Revenue of HOMB over the last years for every Quarter: 2020-09: 193.926, 2020-12: 196.688, 2021-03: 205.469, 2021-06: 182.735, 2021-09: 183.517, 2021-12: 180.263, 2022-03: 172.748, 2022-06: 257.844, 2022-09: 282.025, 2022-12: 325.358, 2023-03: 315.493, 2023-06: 332.58, 2023-09: 333.684, 2023-12: 342.929, 2024-03: 355.29, 2024-06: 364.331, 2024-09: 372.051, 2024-12: 360.332, 2025-03: 354.795, 2025-06: 365.767, 2025-09: 279.671,
Revenue Growth (3Y CAGR): -5.35%
Revenue Trend (3Y Correlation): 12.1%
Risk via 10d forecast
Volatility 27.1%
Value at Risk 5%th 38.6%
Relative Tail Risk -13.49%
Reward TTM
Sharpe Ratio -0.41
Alpha -22.15
Character TTM
Hurst Exponent 0.378
Beta 0.852
Beta Downside 0.982
Drawdowns 3y
Max DD 21.45%
Mean DD 8.70%
Median DD 8.46%

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.

HOMB Stock Overview

Market Cap in USD 5,415m
Sub-Industry Regional Banks
IPO / Inception 2006-06-23
Return 12m vs S&P 500 -20.1%
Analyst Rating 3.88 of 5

HOMB Dividends

Dividend Yield 2.95%
Yield on Cost 5y 4.69%
Yield CAGR 5y 9.07%
Payout Consistency 99.4%
Payout Ratio 35.8%

HOMB Growth Ratios

CAGR 3y 6.28%
CAGR/Max DD Calmar Ratio 0.29
CAGR/Mean DD Pain Ratio 0.72
Current Volume 802.8k
Average Volume 857.1k

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 -0.45pp (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 385.7m <= 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
(C) 0.03 = EBIT TTM 577.4m / Avg Total Assets 22.77b
(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) 68.57

1. Piotroski 3.50pt = -1.50
2. FCF Yield 11.68% = 5.0
3. FCF Margin 27.30% = 6.82
4. Debt/Equity 0.23 = 2.47
5. Debt/Ebitda 1.62 = 0.73
6. ROIC - WACC (= 0.48)% = 0.60
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 November 16, 2025, the stock is trading at USD 27.29 with a total of 802,800 shares traded.
Over the past week, the price has changed by +0.07%, over one month by -2.97%, over three months by -4.65% and over the past year by -8.40%.

Is Home BancShares a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Home BancShares (NYSE:HOMB) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 68.57 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 24.77 USD . This means that HOMB is currently overvalued and has a potential downside of -9.23%.

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 21.4%
Analysts Target Price 33.1 21.4%
ValueRay Target Price 27.8 1.7%

HOMB Fundamental Data Overview November 11, 2025

Market Cap USD = 5.41b (5.41b USD * 1.0 USD.USD)
P/E Trailing = 11.9783
P/E Forward = 11.2108
P/S = 5.1944
P/B = 1.2814
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 = 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 = 3.18b USD (5.41b + Debt 975.6m - CCE 3.21b)
Interest Coverage Ratio = 1.44 (Ebit TTM 577.4m / Interest Expense TTM 400.0m)
FCF Yield = 11.68% (FCF TTM 371.4m / Enterprise Value 3.18b)
FCF Margin = 27.30% (FCF TTM 371.4m / 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 = 0.14 (Enterprise Value 3.18b / 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 = 2.63 (Net Debt 975.6m / FCF TTM 371.4m)
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 = 9.02% (E(5.41b)/V(6.39b) * Re(9.15%) + D(975.6m)/V(6.39b) * Rd(9.98%) * (1-Tc(0.17)))
Discount Rate = 9.15% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.15%
[DCF Debug] Terminal Value 74.62% ; FCFE base≈412.9m ; Y1≈419.8m ; Y5≈460.6m
Fair Price DCF = 33.95 (DCF Value 6.67b / Shares Outstanding 196.5m; 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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Fund Manager Positions: Dataroma | Stockcircle