HTB vs SFNC vs HOMB vs NBTB

For growth investors, NBT Bancorp Inc.

(NBTB) is the stronger pick with 10. 4% revenue growth year-over-year, versus -56. 7% for Simmons First National Corporation (SFNC). HomeTrust Bancshares, Inc. (HTB) offers the better valuation at 12. 4x trailing P/E (12. 7x forward), making it the more compelling value choice. Analysts rate HomeTrust Bancshares, Inc. (HTB) a "Buy" — based on 2 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, HomeTrust Bancshares, Inc.

(HTB) is the cheapest at 12. 4x versus NBT Bancorp Inc. at 13. 7x. On forward P/E, Simmons First National Corporation is actually cheaper at 10. 3x — notably different from the trailing picture, reflecting expected earnings growth. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: HomeTrust Bancshares, Inc. wins at 0. 40x versus Home Bancshares, Inc. 's 3. 55x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.

Over the past 5 years, HomeTrust Bancshares, Inc.

(HTB) delivered a total return of +76. 6%, compared to -14. 9% for Simmons First National Corporation (SFNC). Over 10 years, the gap is even starker: HTB returned +167. 6% versus SFNC's +24. 8%. 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), HomeTrust Bancshares, Inc.

(HTB) is the lower-risk stock at 0. 74β versus Simmons First National Corporation's 1. 01β — meaning SFNC is approximately 37% more volatile than HTB relative to the S&P 500. On balance sheet safety, NBT Bancorp Inc. (NBTB) carries a lower debt/equity ratio of 17% versus 30% for Home Bancshares, Inc. — giving it more financial flexibility in a downturn.

By revenue growth (latest reported year), NBT Bancorp Inc.

(NBTB) is pulling ahead at 10. 4% versus -56. 7% for Simmons First National Corporation (SFNC). On earnings-per-share growth, the picture is similar: HomeTrust Bancshares, Inc. grew EPS 16. 3% year-over-year, compared to -343. 8% for Simmons First National 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 -63. 4% for Simmons First National 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 -84. 2% for SFNC. At the gross margin level — before operating expenses — NBTB leads at 72. 1%, 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, HomeTrust Bancshares, Inc. (HTB) is the more undervalued stock at a PEG of 0. 40x versus Home Bancshares, Inc. 's 3. 55x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Simmons First National Corporation (SFNC) trades at 10. 3x forward P/E versus 12. 7x for HomeTrust Bancshares, Inc. — 2. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for HOMB: 19. 6% to $32. 00.

All stocks in this comparison pay dividends.

Simmons First National Corporation (SFNC) offers the highest yield at 4. 0%, versus 1. 1% for HomeTrust Bancshares, Inc. (HTB).

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

(HTB) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 74), 1. 1% yield, +167. 6% 10Y return). Both have compounded well over 10 years (HTB: +167. 6%, SFNC: +24. 8%), 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.

In terms of investment character: HTB is a small-cap deep-value stock; SFNC is a small-cap income-oriented stock; HOMB is a small-cap deep-value stock; NBTB is a small-cap deep-value stock. 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.