(HOMB) Home BancShares - Ratings and Ratios
Loans, Deposits, Insurance, Digital Banking, Cash Services
HOMB EPS (Earnings per Share)
HOMB Revenue
Description: HOMB Home BancShares
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 | 5,816m |
| Sub-Industry | Regional Banks |
| IPO / Inception | 2006-06-23 |
HOMB Stock Ratings
| Growth Rating | 44.2% |
| Fundamental | 72.9% |
| Dividend Rating | 69.7% |
| Return 12m vs S&P 500 | -7.59% |
| Analyst Rating | 3.88 of 5 |
HOMB Dividends
| Dividend Yield 12m | 2.76% |
| Yield on Cost 5y | 5.79% |
| Annual Growth 5y | 7.19% |
| Payout Consistency | 99.3% |
| Payout Ratio | 36.9% |
HOMB Growth Ratios
| Growth Correlation 3m | 44.4% |
| Growth Correlation 12m | 22.4% |
| Growth Correlation 5y | 69.3% |
| CAGR 5y | 9.82% |
| CAGR/Max DD 3y | 0.45 |
| CAGR/Mean DD 3y | 1.24 |
| Sharpe Ratio 12m | -0.15 |
| Alpha | 0.18 |
| Beta | 0.007 |
| Volatility | 27.09% |
| Current Volume | 830.8k |
| Average Volume 20d | 864.4k |
| Stop Loss | 28.1 (-3%) |
| Signal | -0.62 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (434.2m TTM) > 0 and > 6% of Revenue (6% = 87.2m TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA -0.41pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1026 % (prev -900.2%; Δ -126.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.02 (>3.0%) and CFO 399.1m <= Net Income 434.2m (YES >=105%, WARN >=100%) |
| Net Debt (29.2m) to EBITDA (586.5m) ratio: 0.05 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.16 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (197.8m) change vs 12m ago -1.35% (target <= -2.0% for YES) |
| Gross Margin 68.40% (prev 68.39%; Δ 0.01pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 6.34% (prev 6.09%; Δ 0.25pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.33 (EBITDA TTM 586.5m / Interest Expense TTM 420.2m) >= 6 (WARN >= 3) |
Altman Z'' -3.70
| (A) -0.65 = (Total Current Assets 2.82b - Total Current Liabilities 17.73b) / Total Assets 22.91b |
| (B) 0.09 = Retained Earnings (Balance) 2.10b / Total Assets 22.91b |
| (C) 0.02 = EBIT TTM 557.7m / Avg Total Assets 22.91b |
| (D) 0.10 = Book Value of Equity 1.86b / Total Liabilities 18.82b |
| Total Rating: -3.70 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 72.91
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 8.44% = 4.22 |
| 3. FCF Margin 24.61% = 6.15 |
| 4. Debt/Equity 0.28 = 2.46 |
| 5. Debt/Ebitda 1.93 = 0.14 |
| 6. ROIC - WACC (= 2.08)% = 2.60 |
| 7. RoE 10.82% = 0.90 |
| 8. Rev. Trend 86.66% = 6.50 |
| 9. EPS Trend 18.53% = 0.93 |
What is the price of HOMB shares?
Over the past week, the price has changed by -0.86%, over one month by +1.76%, over three months by +5.63% and over the past year by +9.71%.
Is Home BancShares a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of HOMB is around 28.76 USD . This means that HOMB is currently overvalued and has a potential downside of -0.72%.
Is HOMB a buy, sell or hold?
- 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 | 33.5 | 15.6% |
| Analysts Target Price | 33.5 | 15.6% |
| ValueRay Target Price | 31.5 | 8.8% |
Last update: 2025-09-13 04:36
HOMB Fundamental Data Overview
CCE Cash And Equivalents = 2.71b USD (Cash And Short Term Investments, last quarter)
P/E Trailing = 13.4201
P/E Forward = 12.0482
P/S = 5.7721
P/B = 1.4236
P/EG = 3.72
Beta = 0.802
Revenue TTM = 1.45b USD
EBIT TTM = 557.7m USD
EBITDA TTM = 586.5m USD
Long Term Debt = 889.0m USD (from longTermDebt, last quarter)
Short Term Debt = 241.3m USD (from shortTermDebt, last quarter)
Debt = 1.13b USD (Calculated: Short Term 241.3m + Long Term 889.0m)
Net Debt = 29.2m USD (from netDebt column, last quarter)
Enterprise Value = 4.23b USD (5.82b + Debt 1.13b - CCE 2.71b)
Interest Coverage Ratio = 1.33 (Ebit TTM 557.7m / Interest Expense TTM 420.2m)
FCF Yield = 8.44% (FCF TTM 357.6m / Enterprise Value 4.23b)
FCF Margin = 24.61% (FCF TTM 357.6m / Revenue TTM 1.45b)
Net Margin = 29.89% (Net Income TTM 434.2m / Revenue TTM 1.45b)
Gross Margin = 68.40% ((Revenue TTM 1.45b - Cost of Revenue TTM 459.1m) / Revenue TTM)
Tobins Q-Ratio = 2.27 (Enterprise Value 4.23b / Book Value Of Equity 1.86b)
Interest Expense / Debt = 8.77% (Interest Expense 99.2m / Debt 1.13b)
Taxrate = 22.99% (120.1m / 522.3m)
NOPAT = 429.5m (EBIT 557.7m * (1 - 22.99%))
Current Ratio = 0.16 (Total Current Assets 2.82b / Total Current Liabilities 17.73b)
Debt / Equity = 0.28 (Debt 1.13b / last Quarter total Stockholder Equity 4.09b)
Debt / EBITDA = 1.93 (Net Debt 29.2m / EBITDA 586.5m)
Debt / FCF = 3.16 (Debt 1.13b / FCF TTM 357.6m)
Total Stockholder Equity = 4.01b (last 4 quarters mean)
RoA = 1.90% (Net Income 434.2m, Total Assets 22.91b )
RoE = 10.82% (Net Income TTM 434.2m / Total Stockholder Equity 4.01b)
RoCE = 11.38% (Ebit 557.7m / (Equity 4.01b + L.T.Debt 889.0m))
RoIC = 8.24% (NOPAT 429.5m / Invested Capital 5.21b)
WACC = 6.16% (E(5.82b)/V(6.95b) * Re(6.04%)) + (D(1.13b)/V(6.95b) * Rd(8.77%) * (1-Tc(0.23)))
Shares Correlation 3-Years: -100.00 | Cagr: -0.33%
Discount Rate = 6.04% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 78.53% ; FCFE base≈395.6m ; Y1≈402.3m ; Y5≈441.3m
Fair Price DCF = 39.49 (DCF Value 7.78b / Shares Outstanding 197.1m; 5y FCF grow 1.43% → 3.0% )
EPS Correlation: 18.53 | EPS CAGR: 2.63% | SUE: 0.44 | # QB: 0
Revenue Correlation: 86.66 | Revenue CAGR: 9.92% | SUE: N/A | # QB: None
Additional Sources for HOMB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle