HOMB vs BOKF

For growth investors, BOK Financial Corporation (BOKF) is the stronger pick with 10.

4% revenue growth year-over-year, versus 9. 5% for Home Bancshares, Inc. (HOMB). Home Bancshares, Inc. (HOMB) offers the better valuation at 13. 3x trailing P/E (10. 8x forward), making it the more compelling value choice. Analysts rate Home Bancshares, Inc. (HOMB) a "Hold" — based on 19 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.

On trailing P/E, Home Bancshares, Inc.

(HOMB) is the cheapest at 13. 3x versus BOK Financial Corporation at 16. 6x. On forward P/E, Home Bancshares, Inc. is actually cheaper at 10. 8x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Home Bancshares, Inc. wins at 3. 53x versus BOK Financial Corporation's 4. 43x.

Over the past 5 years, BOK Financial Corporation (BOKF) delivered a total return of +62.

8%, compared to +6. 2% for Home Bancshares, Inc. (HOMB). Over 10 years, the gap is even starker: BOKF returned +171. 3% versus HOMB's +58. 2%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Home Bancshares, Inc.

(HOMB) is the lower-risk stock at 0. 82β versus BOK Financial Corporation's 1. 03β — meaning BOKF is approximately 26% more volatile than HOMB relative to the S&P 500. On balance sheet safety, Home Bancshares, Inc. (HOMB) carries a lower debt/equity ratio of 30% versus 80% for BOK Financial Corporation — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), BOK Financial Corporation (BOKF) is pulling ahead at 10.

4% versus 9. 5% for Home Bancshares, Inc. (HOMB). On earnings-per-share growth, the picture is similar: Home Bancshares, Inc. grew EPS 3. 6% year-over-year, compared to 1. 5% for BOK Financial Corporation. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.

Home Bancshares, Inc.

(HOMB) is the more profitable company, earning 27. 7% net margin versus 15. 6% for BOK Financial Corporation — meaning it keeps 27. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: HOMB leads at 36. 0% versus 19. 8% for BOKF. At the gross margin level — before operating expenses — HOMB leads at 65. 6%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.

The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.

By this metric, Home Bancshares, Inc. (HOMB) is the more undervalued stock at a PEG of 3. 53x versus BOK Financial Corporation's 4. 43x. Both stocks trade at elevated growth-adjusted valuations, so expected growth needs to materialise. On forward earnings alone, Home Bancshares, Inc. (HOMB) trades at 10. 8x forward P/E versus 13. 2x for BOK Financial Corporation — 2. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HOMB: 19. 9% to $32. 00.

All stocks in this comparison pay dividends.

Home Bancshares, Inc. (HOMB) offers the highest yield at 2. 8%, versus 1. 7% for BOK Financial Corporation (BOKF).

For long-horizon retirement investors, Home Bancshares, Inc.

(HOMB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 82), 2. 8% yield). Both have compounded well over 10 years (HOMB: +58. 2%, BOKF: +171. 3%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.

Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.