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Home BancShares, Inc.

HOMB Financial Banks Regional

Home BancShares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $1.5 billion, up 0.61% from fiscal 2024.

Revenue
+1.68%
EPS
+3.17%
Free cash flow
+20.3%
Total debt
−36.1%

Quarter to September 2026, against a year earlier

29.97 0.10 −0.33%
Market cap
$6.0B
P/E
12.3×
Fwd P/E
11.9×
Dividend yield
2.86%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Earnings & Analysis
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios
Valuation Filings

Insider Decisions last twelve months

Bought, $m 2.70
Sold, $m 2.59
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — 1 — — — — — — —
Sell — 1 2 — 1 — 1 — 2 — 1 —
Insider Ownership 6.19%

Capital & Financial Ratios $m

Size
Market Cap 6,020.00
Revenue ttm 1,499.59
Net income ttm 479.37
Free cash flow ttm 439.59
Net debt Q (333.05)
Valuation
P/E 12.34
Forward P/E 11.90
Price / sales 4.01
Forward P/S Powerpack
Price / FCF 13.69
Price / book 1.33
Financial health
Current ratio Q 0.92
Debt / equity Q 0.12
Interest coverage Q —
Growth
Revenue growth Q +1.68% (above 0%: growing)
Operating income growth Q +4.76% (above 0%: growing)
EPS, this year +7.94%
EPS, next year A +2.48%
Revenue, next year A −22.29% (below 0%: weak)
EPS, past 5 yrs +13.14%
EPS, next 5 yrs A +4.94%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 38.69%
10-year low 10-year high
P/S against its own 10 years 44.37%
10-year low 10-year high
P/B against its own 10 years 38.91%
10-year low 10-year high

Dividends raised every year since 2018

Yield
2.86%
Annual rate
0.86
Payout ratio
35.3%
Growth, 2018–26
+8.45%/yr
  1. 0.46 ’18
  2. 0.51 ’19 +11
  3. 0.53 ’20 +4
  4. 0.56 ’21 +6
  5. 0.66 ’22 +18
  6. 0.72 ’23 +9
  7. 0.75 ’24 +4
  8. 0.81 ’25 +7
  9. 0.88 ’26 +9
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 1,005 914 670 863
Receivables — — — —
Inventory — — — —
Other — — — —
15,261 15,523 16,168 17,559
2023 2024 2025 Q'26
Payables 16,788 17,146 17,480 18,756
ST’ Debt — — — —
Other — — — —
17,124 17,490 17,805 19,086

Compound Annual Growth %

10y 5y 3y
Sales 12.80% 13.40% 11.95%
Cash Flow 6.89% 6.48% (1.13%)
Earnings 13.15% 17.26% 15.92%
Book Value 13.61% 10.52% 6.81%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.64 Actual 0.65

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.60 0.60 Met by 0.00
Q1 FY26 0.60 0.60 Met by 0.00
Q2 FY26 0.62 0.64 Beat by 0.02
Q3 FY26 0.64 0.65 Beat by 0.01
Q4 FY26 0.64 — Reports 13 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.60 0.59 0.65 — —
’25 0.58 0.60 0.63 0.60 2.41
’24 0.50 0.51 0.50 0.51 2.01
’23 0.51 0.52 0.49 0.43 1.94
’22 0.40 0.08 0.53 0.57 1.57
’21 0.55 0.48 0.46 0.45 1.94
’20 0.00 0.38 0.42 0.50 1.30
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 354 390 381 — —
’25 358 370 375 374 1,477
’24 359 370 376 364 1,468
’23 319 339 338 349 1,345
’22 176 262 286 330 1,053
’21 208 186 186 183 763
’20 195 197 197 199 788
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 151 97 — — —
’25 117 78 115 89 399
’24 148 109 129 75 461
’23 118 47 99 115 380
’22 89 13 167 144 413
’21 121 91 89 88 389
’20 112 19 69 92 292
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 141 95 — — —
’25 113 79 115 89 396
’24 146 112 118 72 448
’23 116 48 94 114 371
’22 87 9 169 139 404
’21 118 88 87 86 379
’20 108 17 65 90 280
Fiscal quarters ending in the months shown.

Valuation

The price implies the dividend a share growing 32.5% a year for ten years. It grew 11.4% a year over the last ten.

Implied
32.5%
10 years, reported
11.4%
Open the model

Target Price Range

Analyst price targets

Recommendation Rating

2.2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 524 620 788 818 788 763 1,053 1,345 1,468 1,477 1,500 +12.2% 1,148 1,185 1,223 (6.1%)
Gross margin, % 94.16 89.62 84.22 81.07 88.14 93.16 88.69 74.12 69.29 73.84 75.51 (20.3) pt
EBT 283 271 396 386 278 417 395 512 522 612 627 +9.0%
EBT margin, % 53.98 43.73 50.18 47.17 35.25 54.64 37.48 38.06 35.57 41.41 41.80 (12.6) pt
Net income 177 135 300 290 214 319 305 393 402 475 479 +11.6%
Per share, $
Per share, $ Revenue 3.73 4.11 4.54 4.87 4.76 4.64 5.41 6.64 7.34 7.48 7.50 +8.0%
Earnings 1.26 0.90 1.73 1.73 1.30 1.94 1.57 1.94 2.01 2.41 2.44 +7.5%
Cash flow 1.25 0.93 1.75 1.47 1.76 2.37 2.12 1.87 2.30 2.02 0.00 +5.5%
Capex (0.02) (0.03) (0.05) (0.09) (0.07) (0.06) (0.05) (0.04) (0.06) (0.02) 0.00 (2.5%)
Free cash flow 1.23 0.89 1.70 1.39 1.69 2.30 2.08 1.83 2.24 2.00 0.00 +5.6%
Book value 9.45 14.62 13.53 14.97 15.76 16.81 18.11 18.71 19.81 21.76 22.66 +9.7%
Shares, m 140 151 174 168 165 165 195 203 200 197 199 +3.9%
Valuation, ×
Valuation, × P/E 21.75 25.27 9.45 11.36 14.95 12.55 14.22 12.99 14.01 11.53 12.34 14.8
P/S 7.38 5.60 3.60 4.04 4.09 5.25 4.15 3.82 3.85 3.71 4.01 4.5
P/B 2.91 1.57 1.21 1.31 1.24 1.45 1.24 1.35 1.43 1.28 1.33 1.5
EV/Sales 9.57 7.22 5.10 4.65 3.46 1.48 4.50 4.36 3.94 3.79 — 4.8
EV/FCF 29.04 33.18 13.58 16.34 9.74 2.97 11.72 15.81 12.90 14.13 — 15.9
Cash, $m
Cash, $m Operating cash flow 176 140 304 247 292 389 413 380 461 399 452 +9.5%
Capex (3) (5) (8) (15) (12) (10) (9) (9) (12) (3) (13) +1.3%
Free cash flow 173 135 296 233 280 379 404 371 448 396 440 +9.7%
Balance, $m
Balance, $m Working capital 442 348 559 (226) (723) (1,219) (3,319) (1,864) (1,967) (1,638) (1,527) n/m
Net debt 1,148 1,007 1,183 500 (493) (2,879) 366 736 126 109 (333) (23.0%)
Shareholders’ equity 1,327 2,204 2,350 2,512 2,606 2,766 3,526 3,791 3,961 4,297 4,530 +13.9%
Returns, %
Returns, % ROA 1.86 1.11 2.02 1.91 1.36 1.85 1.49 1.73 1.78 2.10 2.07 +0.2 pt
ROIC 7.14 5.28 7.00 8.00 8.24 0.00 7.13 7.07 7.99 8.69 9.54 +1.6 pt
ROE 14.02 7.65 13.19 11.91 8.38 11.88 9.70 10.74 10.38 11.51 11.10 (2.5) pt
People
People Employees 1,503 1,744 1,815 1,920 2,018 1,992 2,774 2,819 2,552 2,543 — +6.0%
Revenue/emp, $m 0.35 0.36 0.43 0.43 0.39 0.38 0.38 0.48 0.58 0.58 — +5.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 2 Nov 2026

Business profile

Updated

Home BancShares is a bank holding company headquartered in Conway, Arkansas. Founded in 1999, it provides banking and related financial services through its wholly owned subsidiary, Centennial Bank. John W. Allison is chairman and chief executive officer.

Centennial serves businesses, real estate developers and investors, individuals and municipalities. It takes deposits and makes loans, including loans secured by commercial and residential property, loans to businesses, and consumer loans. Its deposit accounts include checking, savings, money market accounts and certificates of deposit.

Home BancShares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
UBSI United Bankshares, Inc. $6.6B 13.1× 12.9× −2.30% (below 0%: shrinking) +2.17% (above 0%: growing) +14.62% (above 0%: growing) 70.33% 0.00% Compare
GBCI Glacier Bancorp, Inc. $6.3B 18.2× 16.0× +16.53% (above 0%: growing) +40.35% (above 0%: growing) +44.07% (above 0%: growing) 78.55% 0.00% Compare
FNB F.N.B. Corporation $6.3B 10.5× 10.7× −0.72% (below 0%: shrinking) +4.88% (above 0%: growing) +67.79% (above 0%: growing) 68.07% 0.00% Compare
HOMB Home BancShares, Inc. $6.0B 12.3× 11.9× +1.68% (above 0%: growing) +3.17% (above 0%: growing) +20.30% (above 0%: growing) 75.64% 0.00%
HWC Hancock Whitney Corporation $5.7B 14.3× 14.0× +7.54% (above 0%: growing) −8.05% (below 0%: shrinking) +23.30% (above 0%: growing) 75.86% 0.00% Compare
ASB Associated Banc-Corp $5.7B 10.5× 10.6× +12.99% (above 0%: growing) +5.48% (above 0%: growing) +117.24% (above 0%: growing) 64.43% 0.00% Compare
OZK Bank OZK $5.6B 8.6× 8.6× −5.02% (below 0%: shrinking) −6.25% (below 0%: shrinking) +47.62% (above 0%: growing) 63.26% 0.00% Compare
AUB Atlantic Union Bankshares Corporation $5.5B 10.7× 10.1× +0.13% (above 0%: growing) +50.79% (above 0%: growing) +18.83% (above 0%: growing) 68.93% 0.00% Compare
ABCB Ameris Bancorp $5.5B 14.3× 14.2× +1.71% (above 0%: growing) +12.26% (above 0%: growing) +31.88% (above 0%: growing) 73.36% 0.00% Compare
Median of peers $5.7B 11.9× 11.8× +0.92% +5.18% +37.98% 69.63% 0.00%

All 327 Banks Regional stocks →

Largest institutional holders 13F, quarter to 30 June 2026

Held by institutions 76.64%
Held by the ten largest 48.51%
Holder Shares Stake Change
BlackRock 25.77m 12.85% +1.89m
Vanguard 22.16m 11.06% +1.38m
State Street 10.02m 5.00% +902.67k
T. Rowe Price 8.86m 4.42% +598.22k
Dimensional Fund Advisors 7.22m 3.60% +496.34k
Capital Group 5.14m 2.56% −551.92k
Geode Capital Management 5.07m 2.53% +308.36k
AQR Capital Management 4.81m 2.40% +3.19m
American Century 4.45m 2.22% −207.94k
First Trust 3.76m 1.87% +286.34k
13F filings for the quarter to 30 June 2026: long positions in US-listed shares reported by managers with $100m or more, ~45 days after the quarter.

Pay and ownership Proxy statement filed 27 February 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 7.22m 6.93m 164.02
2024 6.17m 7.24m 162.52
2023 5.79m 6.92m 141.36
2022 5.75m 5.18m 123.11
2021 5.12m 5.54m 127.89

Ownership

Directors and executive officers, together less than 1%
BlackRock, Inc. 11.89%
The Vanguard Group 10.34%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Home BancShares, Inc. (HOMB) Latest News

21 Oct

Impact 3 · · Investing.com
Impact 3 · · Investing.com
Impact 3 · · GlobeNewswire

19 Oct

Impact 4 · · The Motley Fool

16 Oct

Impact 4 · · StockStory
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14 Oct

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12 Oct

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29 Sep

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25 Sep

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17 Jul

Impact 3 ·

16 Jul

Impact 4 ·

HOMB metrics, ten years each

stockrow.com/HOMB · Data as of Nov 2, 2026 · For information only; not investment advice. · © 2026 stockrow.com