(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: 40.5M
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. (HOMB) is the holding company for Centennial Bank, a regional financial institution headquartered in Arkansas. The company provides a comprehensive suite of commercial and retail banking services, including deposit accounts, residential and commercial mortgages, and agricultural loans. Its geographic footprint spans Arkansas, Florida, Texas, South Alabama, and New York City.
Operating within the regional banking sector, the company utilizes a traditional spread-based business model, generating revenue from the difference between interest earned on loans and interest paid on deposits. Beyond core banking, Home BancShares diversifies its income streams through trust services, wealth management, and the underwriting of commercial and personal insurance policies.
Regional banks often face higher sensitivity to local real estate cycles compared to diversified national banks. To better understand these geographic risks, investors may find it useful to review the detailed risk metrics available on ValueRay. The company’s focus on construction and land development loans necessitates a disciplined approach to credit quality and interest rate management.
- Commercial real estate loan concentration increases sensitivity to property market fluctuations
- Federal Reserve interest rate shifts impact net interest margin and lending profitability
- Strategic acquisitions drive asset growth and expand market share in high-growth regions
- Credit quality performance across Southeast markets determines loan loss provision requirements
- Non-interest income from insurance and wealth management stabilizes revenue during rate cycles
| 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 20, 2026, the stock is trading at USD 27.65 with a total of 1,494,970 shares traded.
Over the past week, the price has changed by -0.72%,
over one month by +5.98%,
over three months by +7.12% and
over the past year by +3.31%.
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 | 12.6% |
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 = 11.76% (E(5.64b)/V(6.58b) * Re(8.14%) + D(937.1m)/V(6.58b) * Rd(42.47%) * (1-Tc(0.21)))
Discount Rate = 8.14% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -89.89 | Cagr: -0.94%
[DCF] Terminal Value 65.33% ; FCFF base≈398.2m ; Y1≈416.9m ; Y5≈479.8m
[DCF] Fair Price = 44.20 (EV 4.67b - Net Debt -4.24b = Equity 8.90b / Shares 201.4m; r=11.76% [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%