Home BancShares Inc HOMB

FinancialsBanking ServicesUnited States of America

Last close 30.12 USD on Nov 3, 2026, +10.9% year to date

Quant rating

Quant rating C Rank 395 of 799 in Financials

Growth C 421 of 799
Valuation C 542 of 799
Quality C 455 of 799
Revisions B 285 of 799
Momentum C 394 of 799

Wall Street consensus Hold (2.56)Average target 32.57 USD +8.1%

Historical valuation

Multiples use consensus estimates for the next twelve months. The dashed line is the 5-year average.

Key data

Market cap: 6.0B
Enterprise value: 6.2B
52-week range: 25.50 – 31.70
3-year range: 20.74 – 32.09
Dividend yield: 3.02%
Beta (5 years): 0.73
Shares outstanding: 199M
Next earnings: Jan 12, 2027

About the company

Home BancShares, Inc. is a bank holding company. The Company through its wholly owned subsidiary, Centennial Bank, provides a broad range of commercial and retail banking plus related financial services to businesses, real estate developers, investors, individuals, and municipalities. The Company operates approximately 78 branches in Florida, 75 branches in Arkansas, 59 branches in Texas, eight branches in Tennessee, five branches in South Alabama and one branch in New York City. It provides personal banking, business banking, mortgage, and wealth management. Its business banking includes checking, savings, money market, treasury management services, lending, association banking, insurance, additional services, and small business and USDA. Its wealth management includes financial services and trust services. Its personal banking includes personal loans, insurance, eBanking, health savings, budgeting, information security, savings, checking, and financial literacy.

Growth and profitability fiscal year ends December 31

Growth and profitability by fiscal year
	2025	2024	2023	2022	2021	5Y avg
Revenue (mil)	1,279	1,300	1,175	878	625	–
Revenue growth	−1.6%	10.6%	33.9%	40.4%	−7.5%	13.6%
EPS (basic, normalized)	2.36	2.01	1.97	1.70	1.95	–
EPS growth	17.1%	2.2%	15.9%	−12.8%	50.1%	12.7%
Gross margin	–	–	–	–	–	–
Net margin	37.2%	30.9%	33.4%	34.8%	51.0%	37.5%
ROE	–	10.4%	11.0%	9.2%	11.9%	10.6%

Balance sheet, last quarter
Cash & short-term investments (mil)	–
Tier 1 risk-adjusted capital ratio	16.3%
Long-term debt (mil)	280
Net debt (mil)	–
Total equity (mil)	4,530
Net debt / equity	–

Estimates and valuation

Consensus estimates and implied multiples
	Sales (mil)			Book value per share			EPS
Fiscal year	Mean est.	Growth	EV/Sales	Mean est.	Growth	P/B	Mean est.	Growth	P/E
2025 actual	1,279	−1.6%	4.8x	21.88	+8.5%	1.4x	2.41	+19.9%	12.5x
2026	1,152	−9.9%	5.3x	23.01	+5.1%	1.3x	2.53	+5.2%	11.9x
2027	1,190	+3.3%	5.2x	24.68	+7.3%	1.2x	2.59	+2.0%	11.6x
2028	1,227	+3.1%	5.0x	26.39	+6.9%	1.1x	2.69	+4.1%	11.2x

Estimate revisions

Change in consensus estimates over 1, 3 and 6 months
	Sales				EPS
Fiscal year	Estimate (mil)	1M	3M	6M	Estimate	1M	3M	6M
2026	1,152	−0.2%	−0.3%	−0.3%	2.53	+0.6%	+0.8%	+2.6%
2027	1,190	−0.9%	−1.0%	−1.8%	2.59	−0.4%	−0.4%	+0.2%
2028	1,227	−0.2%	−1.3%	−2.1%	2.69	−0.2%	−0.1%	−1.1%

Earnings surprises EPS beat in 4 of the last 4 quarters

Reported results versus consensus, last 10 fiscal quarters
Quarter ended	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Sales reported (mil)	255	258	258	260	271	278	282	267	295	288
Sales mean (mil)	247	259	257	255	263	270	273	273	289	294
Surprise	+3.0%	−0.3%	+0.6%	+1.9%	+3.2%	+2.9%	+3.4%	−2.2%	+2.0%	−2.0%
EPS reported	0.52	0.50	0.50	0.56	0.58	0.61	0.60	0.60	0.64	0.65
EPS mean	0.49	0.53	0.52	0.54	0.57	0.60	0.60	0.59	0.61	0.64
Surprise	+6.6%	−5.7%	−3.4%	+4.4%	+2.2%	+2.2%	+0.2%	+1.2%	+4.9%	+2.1%

Peer comparison Banking Services

Peers in the same industry group, by market capitalization
Company	Market cap	Tier 1 ratio	Net margin	Deposits/loans	FY1 P/E	FY2 P/E	FY1 P/B	FY2 P/B
HOMB Home BancShares Inc	6.0B	16.3%	37.2%	1.14x	11.9x	11.6x	1.3x	1.2x
HBAN Huntington Bancshares Inc	32.0B	11.5%	20.2%	1.20x	10.5x	9.0x	1.1x	1.0x
CFG Citizens Financial Group Inc	27.0B	11.8%	17.5%	1.30x	12.1x	9.9x	1.2x	1.1x
RF Regions Financial Corporation	24.3B	11.8%	29.1%	1.39x	10.7x	10.0x	1.4x	1.3x
KEY KeyCorp	22.5B	12.8%	20.1%	1.41x	11.2x	9.7x	1.4x	1.3x
EWBC East West Bancorp, Inc.	18.1B	15.4%	30.9%	1.20x	12.3x	11.3x	2.0x	1.7x
Mean		13.3%	25.8%	1.27x	11.5x	10.3x	1.4x	1.3x
Median		12.3%	24.7%	1.25x	11.6x	9.9x	1.4x	1.3x

Technical analysis

1M+5.1%
3M−3.0%
1Y+14.8%
3Y+51.5%

Financial statements in millions of USD

Income statement in millions of USD, fiscal years

Income statement, Home BancShares Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Interest income	1,279	1,300	1,175	878	625	676
Total interest expense	386	451	348	119	52.2	93.4
Net interest income	892	849	827	759	573	583
Loan loss provision	20.9	48.1	12.1	63.6	−4.8	129
Net interest income after loan loss provision	871	801	815	695	578	453
Non-interest income	199	169	170	160	138	112
Non-interest expense	−458	−447	−473	−461	−299	−287
Net income before taxes	612	522	512	395	417	278
Provision for taxes	136	120	119	89.3	97.8	63.3
Minority interest & equity in affiliates	–	–	–	–	–	–
Other	0	0	0	0	0	0
Net income before extraordinary items	475	402	393	305	319	214
Extraordinary items	–	–	–	–	–	–
Net income	475	402	393	305	319	214
Basic weighted average shares (mil)	197	200	203	195	165	165
Diluted weighted average shares (mil)	198	200	203	195	165	165
Basic EPS excluding extraordinary items	2.41	2.01	1.94	1.57	1.94	1.30
Basic EPS, normalized	2.36	2.01	1.97	1.70	1.95	1.30

Balance sheet in millions of USD, fiscal years

Balance sheet, Home BancShares Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Assets
Cash & due from banks	237	281	226	264	120	242
Other earning assets	4,564	4,981	5,569	5,790	6,650	3,495
Net loans	15,389	14,489	14,136	14,120	9,599	10,975
Property, plant & equipment	369	386	393	405	276	279
Goodwill	1,398	1,398	1,398	1,398	973	973
Intangibles	32.3	40.3	48.8	58.5	25.0	30.7
Long-term investments	–	–	–	–	–	–
Other long-term assets	148	187	197	209	78.3	70.2
Other assets	744	729	688	639	331	333
Total assets	22,882	22,491	22,657	22,884	18,052	16,399
Liabilities
Accounts payable	135	136	150	151	71.5	85.0
Payable/accrued	–	–	–	–	–	–
Accrued expenses	34.8	45.2	45.0	46.0	42.4	43.0
Total deposits	17,480	17,146	16,788	17,939	14,261	12,726
Other bearing liabilities	500	601	1,301	650	400	400
Short-term borrowings	156	162	142	131	141	169
Current portion of long-term debt	–	–	–	–	–	–
Long-term debt	279	439	440	440	371	370
Minority interest	–	–	–	–	–	–
Other liabilities	0	0	0	0	0	0
Total liabilities	18,585	18,530	18,866	19,357	15,286	13,793
Shareholders' equity
Preferred stock	–	–	–	–	–	–
Common stock	2.0	2.0	2.0	2.0	1.6	1.7
Additional paid-in capital	2,202	2,273	2,348	2,387	1,487	1,521
Retained earnings (accumulated deficit)	2,259	1,942	1,690	1,443	1,266	1,039
Treasury stock	–	–	–	–	–	–
Other equity	−166	−256	−249	−305	10.5	44.1
Total equity	4,297	3,961	3,791	3,526	2,766	2,606
Total liabilities & shareholders' equity	22,882	22,491	22,657	22,884	18,052	16,399

Cash flow statement in millions of USD, fiscal years

Cash flow statement, Home BancShares Inc, fiscal years, most recent first
	2025	2024	2023	2022	2021	2020
Operating activities
Net income	475	402	393	305	319	214
Depreciation, depletion & amortization	29.2	29.2	30.9	31.9	19.5	20.1
Deferred taxes	10.3	8.3	−4.1	2.2	3.9	−19.8
Non-cash items	−5.0	−4.3	−8.1	−11.7	−17.8	−23.1
Changes in working capital	−111	25.2	−32.0	85.5	64.9	100
Cash from operations	399	461	380	413	389	292
Investing activities
Capital expenditures	−22.3	−38.5	−8.6	−9.0	−10.3	−11.5
Other investing cash flows	−448	44.2	587	−1,015	635	−640
Cash from investing	−470	5.7	578	−1,024	625	−652
Financing activities
Financing cash flow items	227	−322	−489	−2,015	1,507	1,246
Cash dividends paid	−159	−150	−146	−128	−92.1	−87.7
Issuance (retirement) of debt, net	–	–	–	–	–	–
Other financing cash flows	−240	−84.5	−48.0	−171	−42.1	−25.1
Cash from financing	−172	−556	−683	−2,314	1,372	1,133
Foreign exchange effects	–	–	–	–	–	–
Net change in cash	−243	−89.9	275	−2,926	2,387	773
Free cash flow	377	422	371	404	379	280

Disclaimer

The financial data presented in this report is delayed and obtained from sources QDD Research believes to be reliable, including stock exchanges, SEDAR, and EDGAR. However, no representation or warranty is made as to the accuracy, completeness, or timeliness of the information. QDD Research accepts no liability for any errors, omissions, or financial losses arising from the use of this data.

This report is generated using a fully systematic and quantitative approach. All factor scores and the overall quant rating (ranging from D to A+) are derived from algorithmic models and are based solely on objective financial metrics. These scores are intended for informational purposes only and should not be interpreted as investment advice or a recommendation to buy, sell, or hold any securities.

QDD Research is not a registered investment advisor or broker-dealer and does not provide personalized financial advice. The content is not tailored to the specific investment goals, financial situation, or risk profile of any individual investor. We strongly encourage readers to consult with a licensed broker or investment advisor before making any investment decisions based on the information contained in this report.

Live quote provided by TradingView. Report data updated Nov 3, 2026 after market close.