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HOMB logoHome Bancshares, Inc.(HOMB)Earnings, Financials & Key Ratios

HOMB•NYSE•Banking & Credit
$26.86
$5.29B mkt cap·13.4× P/E·Price updated May 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutHome Bancshares, Inc. (Conway, AR) operates as the bank holding company for Centennial Bank that provides commercial and retail banking, and related financial services to businesses, real estate developers and investors, individuals, and municipalities. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company's loan portfolio comprises non-farm/non-residential real estate, construction/land development, residential mortgage, consumer, agricultural, and commercial and industrial loans. It also provides internet banking, mobile banking and voice response information, cash management, overdraft protection, direct deposit, and automatic account transfer services, as well as safe deposit boxes and the United States savings bonds. In addition, the company writes policies for commercial and personal lines of business, including insurance for property, casualty, life, health, and employee benefits. As of December 31, 2021, it operated through 160 branch locations that included 76 branches in Arkansas, 78 branches in Florida, 5 branches in Alabama, and 1 branch in New York City. Home Bancshares, Inc. (Conway, AR) was founded in 1998 and is headquartered in Conway, Arkansas.Show more
  • Net Interest Income$849M+2.6%
  • Total Revenue$1.45B+9.5%
  • Net Income$402M+2.4%
  • Return on Equity10.38%-3.4%
  • Net Interest Margin3.77%+3.4%
  • Efficiency Ratio29.63%-13.8%
  • ROA1.78%+3.3%
  • Equity / Assets17.61%+5.3%
  • Book Value per Share19.80+5.9%
  • Tangible BV/Share12.61+9.1%
  • Debt/Equity0.30-38.9%
Technical→

HOMB Key Insights

Home Bancshares, Inc. (HOMB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong Piotroski F-Score: 7/9
  • ✓Strong NIM of 3.8%
  • ✓Efficient operations: 29.6% efficiency ratio
  • ✓21 consecutive years of dividend growth
  • ✓Well capitalized: 17.6% equity/assets
  • ✓Healthy dividend yield of 2.8%

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

HOMB Price & Volume

Home Bancshares, Inc. (HOMB) stock price & volume — 10-year historical chart

Loading chart...

HOMB Growth Metrics

Home Bancshares, Inc. (HOMB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years13.76%
5 Years12.41%
3 Years24.52%
TTM-

Profit CAGR

10 Years13.53%
5 Years6.8%
3 Years8.03%
TTM18.01%

EPS CAGR

10 Years8.99%
5 Years3.05%
3 Years1.19%
TTM19.59%

Return on Capital

10 Years9.81%
5 Years9.93%
3 Years9.84%
Last Year9.75%

HOMB Recent Earnings

Home Bancshares, Inc. (HOMB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (55%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
Apr 15, 2026
EPS
$0.60
Est $0.60
+0.0%
Revenue
$267M
Est $273M
-2.3%
Q1 2026
Feb 27, 2026
EPS
$0.60
Revenue
$374M
Q1 2026
Jan 14, 2026
EPS
$0.60
Est $0.60
+0.0%
Revenue
$282M
Est $272M
+3.5%
Q4 2025
Oct 15, 2025
EPS
$0.61
Est $0.60
+2.2%
Revenue
$280M
Est $270M
+3.6%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 15, 2026
$0.60vs $0.60+0.0%
$267Mvs $273M-2.3%
Q1 2026Feb 27, 2026
$0.60
$374M
Q1 2026Jan 14, 2026
$0.60vs $0.60+0.0%
$282Mvs $272M+3.5%
Q4 2025Oct 15, 2025
$0.61vs $0.60+2.2%
$280Mvs $270M+3.6%
Based on last 12 quarters of dataView full earnings history →

HOMB Peer Comparison

Home Bancshares, Inc. (HOMB) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.09B21.36-7.24-56.66%-11.63%0.19
IBCP logoIBCPIndependent Bank CorporationDirect Competitor698.89M33.9510.38-0.3%14.2%0.23
FFIN logoFFINFirst Financial Bankshares, Inc.Direct Competitor4.61B32.3920.7618.79%13.25%0.12
BOKF logoBOKFBOK Financial CorporationDirect Competitor10.28B133.4516.3910.4%8.91%0.80
UMBF logoUMBFUMB Financial CorporationDirect Competitor9.99B131.1714.3768.52%11.67%0.49
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.78B20.5113.49-2.33%9.25%0.43
TCBI logoTCBITexas Capital Bancshares, Inc.Product Competitor4.45B100.5614.7913.54%9.93%0.26
IBOC logoIBOCInternational Bancshares CorporationProduct Competitor4.56B73.2611.071.03%13.16%0.22

Compare HOMB vs Peers

Home Bancshares, Inc. (HOMB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SFNC

Most directly comparable listed peer for HOMB.

Scale Benchmark

vs FICO

Larger-name benchmark to compare HOMB against a more recognizable public peer.

Peer Set

Compare Top 5

vs SFNC, IBCP, FFIN, BOKF

HOMB Income Statement

Home Bancshares, Inc. (HOMB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income405.96M455.9M561.01M563.22M582.55M572.97M758.68M826.95M848.77M877.92M
NII Growth %14.13%12.3%23.05%0.39%3.43%-1.65%32.41%9%2.64%20.93%
Net Interest Margin %4.14%3.16%3.67%3.75%3.55%3.17%3.32%3.65%3.77%3.87%
Interest Income436.54M520.25M685.37M717.99M675.96M625.17M877.77M1.18B1.3B1.28B
Interest Expense30.58M64.35M124.36M154.77M93.41M52.2M119.09M348.11M451M399.99M
Loan Loss Provision18.61M44.25M4.32M1.32M129.25M-4.75M61.58M10.45M48.4M-72.16M
Non-Interest Income80.03M88.53M94.33M90.91M102.01M126.81M158.2M151.32M152.23M82.66M
Non-Interest Income %15.49%14.54%12.1%11.24%13.11%16.86%15.27%11.41%10.48%6.08%
Total Revenue
516.56M▲ 0%
608.78M▲ 17.9%
779.7M▲ 28.1%
808.9M▲ 3.7%
777.97M▼ 3.8%
751.98M▼ 3.3%
1.04B▲ 37.8%
1.33B▲ 28.0%
1.45B▲ 9.5%
1.36B▲ 0%
Revenue Growth %16.18%17.85%28.08%3.75%-3.82%-3.34%37.76%28.03%9.47%-19.5%
Non-Interest Expense184.73M229.1M255.5M267.18M277.61M287.76M460.73M455.93M430.26M455.3M
Efficiency Ratio35.76%37.63%32.77%33.03%35.68%38.27%44.47%34.37%29.63%33.46%
Operating Income
282.65M▲ 0%
271.08M▼ 4.1%
395.52M▲ 45.9%
385.62M▼ 2.5%
277.7M▼ 28.0%
416.77M▲ 50.1%
394.57M▼ 5.3%
511.88M▲ 29.7%
522.34M▲ 2.0%
577.44M▲ 0%
Operating Margin %54.72%44.53%50.73%47.67%35.7%55.42%38.09%38.59%35.97%42.44%
Operating Income Growth %29.36%-4.09%45.9%-2.5%-27.99%50.08%-5.33%29.73%2.04%-
Pretax Income
282.65M▲ 0%
271.08M▼ 4.1%
395.52M▲ 45.9%
385.62M▼ 2.5%
277.7M▼ 28.0%
416.77M▲ 50.1%
394.57M▼ 5.3%
511.88M▲ 29.7%
522.34M▲ 2.0%
577.44M▲ 0%
Pretax Margin %54.72%44.53%50.73%47.67%35.7%55.42%38.09%38.59%35.97%42.44%
Income Tax105.5M136M95.12M96.08M63.26M97.75M89.31M118.95M120.1M119.66M
Effective Tax Rate %37.33%50.17%24.05%24.92%22.78%23.45%22.64%23.24%22.99%20.72%
Net Income
177.15M▲ 0%
135.08M▼ 23.7%
300.4M▲ 122.4%
289.54M▼ 3.6%
214.45M▼ 25.9%
319.02M▲ 48.8%
305.26M▼ 4.3%
392.93M▲ 28.7%
402.24M▲ 2.4%
457.78M▲ 0%
Net Margin %34.29%22.19%38.53%35.79%27.57%42.42%29.47%29.62%27.7%33.65%
Net Income Growth %28.18%-23.74%122.38%-3.62%-25.93%48.76%-4.31%28.72%2.37%18.01%
Net Income (Continuing)177.15M135.08M300.4M289.54M214.45M319.02M305.26M392.93M402.24M457.78M
EPS (Diluted)
1.26▲ 0%
0.89▼ 29.4%
1.73▲ 94.4%
1.73▲ 0.0%
1.30▼ 24.9%
1.94▲ 49.2%
1.57▼ 19.1%
1.94▲ 23.6%
2.01▲ 3.6%
2.32▲ 0%
EPS Growth %24.75%-29.37%94.38%0%-24.86%49.23%-19.07%23.57%3.61%19.59%
EPS (Basic)1.260.901.731.731.301.941.571.942.01-
Diluted Shares Outstanding140.71M151.53M174.12M167.8M165.37M164.86M195.02M202.77M200.07M197.29M

HOMB Balance Sheet

Home Bancshares, Inc. (HOMB) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments1.29B2.3B2.44B2.57B3.74B6.77B4.77B4.51B2.65B12.05B
Cash & Due from Banks216.65M635.93M657.94M490.6M1.26B3.65B724.79M1B910.35M800.92M
Short Term Investments1.07B1.66B1.79B2.08B2.47B3.12B4.04B3.51B1.74B1.59B
Total Investments8.66B12.11B12.94B12.85B13.45B12.72B19.45B18.93B18.84B19.19B
Investments Growth %7.13%39.75%6.88%-0.7%4.65%-5.43%52.91%-2.69%-0.47%0.19%
Long-Term Investments7.59B10.45B11.16B10.77B10.98B9.6B15.41B15.42B17.1B68.09B
Accounts Receivables30.84M45.71M48.95M45.09M60.53M46.74M103.2M118.97M120.13M110.7M
Goodwill & Intangibles396.29M977.3M1B994.98M1B998.07M1.46B1.45B1.44B1.43B
Goodwill377.98M927.95M958.41M958.41M973.02M973.02M1.4B1.4B1.4B1.4B
Intangible Assets18.31M49.35M42.9M36.57M30.73M25.05M58.45M48.77M40.33M34.23M
PP&E (Net)205.3M237.44M233.26M280.1M278.61M275.76M405.07M393.3M386.32M374.51M
Other Assets233.29M367.62M345.99M325.55M272.84M283.79M535.39M573.67M612.21M644.2M
Total Current Assets1.32B2.35B2.49B2.62B3.8B6.82B4.87B4.63B2.77B2.5B
Total Non-Current Assets8.49B12.1B12.81B12.41B12.6B11.24B18.01B18.03B19.72B20.2B
Total Assets
9.81B▲ 0%
14.45B▲ 47.3%
15.3B▲ 5.9%
15.03B▼ 1.8%
16.4B▲ 9.1%
18.05B▲ 10.1%
22.88B▲ 26.8%
22.66B▼ 1.0%
22.49B▼ 0.7%
22.71B▲ 0%
Asset Growth %5.59%47.32%5.9%-1.77%9.09%10.08%26.76%-0.99%-0.73%-0.61%
Return on Assets (ROA)1.86%1.11%2.02%1.91%1.36%1.85%1.49%1.73%1.78%2.02%
Accounts Payable51.23M41.96M67.91M102.41M128M113.87M196.88M194.65M00
Total Debt1.49B1.82B1.98B1.14B939.26M911.98M1.22B1.88B1.2B975.59M
Net Debt1.27B1.18B1.33B649.12M-324.53M-2.74B496.78M883.01M292M174.67M
Long-Term Debt1.37B1.67B1.84B991M770.33M771.09M1.09B1.74B1.04B729.09M
Short-Term Debt121.29M147.79M143.68M148.73M168.93M140.89M131.15M142.09M162.35M246.5M
Other Liabilities00000000181.08M189.55M
Total Current Liabilities7.11B10.58B11.11B11.53B13.02B14.52B18.27B17.12B17.31B17.57B
Total Non-Current Liabilities1.37B1.67B1.84B991M770.33M771.09M1.09B1.74B1.22B918.64M
Total Liabilities8.48B12.25B12.95B12.52B13.79B15.29B19.36B18.87B18.53B18.49B
Total Equity
1.33B▲ 0%
2.2B▲ 66.0%
2.35B▲ 6.6%
2.51B▲ 6.9%
2.61B▲ 3.8%
2.77B▲ 6.1%
3.53B▲ 27.5%
3.79B▲ 7.5%
3.96B▲ 4.5%
4.21B▲ 0%
Equity Growth %10.65%66.05%6.61%6.88%3.75%6.14%27.5%7.51%4.48%22.95%
Equity / Assets (Capital Ratio)13.53%15.25%15.36%16.71%15.89%15.32%15.41%16.73%17.61%18.56%
Return on Equity (ROE)14.02%7.65%13.19%11.91%8.38%11.88%9.7%10.74%10.38%10.86%
Book Value per Share9.4314.5513.5014.9715.7616.7818.0818.7019.8021.36
Tangible BV per Share6.628.107.749.049.6910.7210.6111.5612.6114.10
Common Stock1.41M1.74M1.71M1.66M1.65M1.64M2.03M2.02M1.99M1.97M
Additional Paid-in Capital869.74M1.68B1.61B1.54B1.52B1.49B2.39B2.35B2.27B2.21B
Retained Earnings455.95M530.66M752.18M956.55M1.04B1.27B1.44B1.69B1.94B2.18B
Accumulated OCI400K-3.42M-13.81M16.22M44.12M10.46M-305.46M-249.07M-256.11M-183.13M
Treasury Stock0000000000
Preferred Stock0000000000

HOMB Cash Flow Statement

Home Bancshares, Inc. (HOMB) cash flow — operating, investing & free cash flow history

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations175.7M140.07M303.9M247.41M291.73M389.38M413.17M379.67M460.65M460.65M
Operating CF Growth %-14.32%-20.28%116.96%-18.59%17.91%33.47%6.11%-8.11%21.33%-94.45%
Net Income177.15M135.08M300.4M289.54M214.45M319.02M305.26M392.93M402.24M457.78M
Depreciation & Amortization14.55M16.72M19.2M19.43M20.08M19.48M31.86M30.93M29.2M28.95M
Deferred Taxes12.71M34.08M3.29M28.97M-19.75M3.87M2.21M-4.08M8.3M15.28M
Other Non-Cash Items-33.09M23.38M-49.51M-68.23M88.38M31.99M57.24M-31.24M49.22M-61.57M
Working Capital Changes-2.24M-75.89M21.43M-33.02M-20.04M6.17M7.47M-18.14M-37.54M-65.37M
Cash from Investing-558.68M-318.63M-779.58M221.66M-651.94M624.66M-1.02B578.46M5.67M-57.76M
Purchase of Investments-279.39M-692.76M-502.4M-609.51M-1.16B-1.41B-2.04B-13.26M-64.07M-61.58M
Sale/Maturity of Investments1000K1000K1000K1000K1000K1000K1000K1000K1000K4M
Net Investment Activity-278.39M-691.76M-501.4M-608.51M-1.16B-1.41B-2.04B-12.26M-63.07M-57.58M
Acquisitions0227.84M-377.41M0-421.21M0858.58M000
Other Investing-696.99M-125.31M-274.98M281.72M156.1M1.36B-899.04M8.85M-382.88M-426.51M
Cash from Financing343.81M597.84M497.68M-636.41M1.13B1.37B-2.31B-682.71M-556.18M-544.68M
Dividends Paid-48.1M-60.37M-79.87M-85.63M-87.68M-92.14M-128.42M-145.9M-150M-156.43M
Share Repurchases-9.82M-20.82M-104.28M-84.89M-25.69M-44.48M-70.86M-48.77M-86.49M-69.77M
Stock Issued0000000000
Net Stock Activity-9.82M-20.82M-104.28M-84.89M-25.69M-44.48M-70.86M-48.77M-86.49M-69.77M
Debt Issuance (Net)-1000K1000K1000K-1000K-1000K-1000K1000K1000K-1000K-3.25M
Other Financing502.47M477.22M508.62M385.06M1.47B1.54B-2.19B-1.14B380.87M589.82M
Net Change in Cash
-39.17M▲ 0%
419.28M▲ 1170.3%
22.01M▼ 94.8%
-167.34M▼ 860.4%
773.19M▲ 562.1%
2.39B▲ 208.7%
-2.93B▼ 222.6%
275.42M▲ 109.4%
-89.87M▼ 132.6%
-216.76M▲ 0%
Exchange Rate Effect0000000000
Cash at Beginning255.82M216.65M635.93M657.94M490.6M1.26B3.65B724.79M1B1.1B
Cash at End216.65M635.93M657.94M490.6M1.26B3.65B724.79M1B910.35M800.92M
Interest Paid000000000125.28M
Income Taxes Paid0000000000
Free Cash Flow
172.62M▲ 0%
134.88M▼ 21.9%
294.27M▲ 118.2%
232.52M▼ 21.0%
280.18M▲ 20.5%
379.1M▲ 35.3%
393.59M▲ 3.8%
357.2M▼ 9.2%
422.12M▲ 18.2%
353.63M▲ 0%
FCF Growth %-11.26%-21.86%118.17%-20.98%20.5%35.3%3.82%-9.25%18.17%-25.55%

HOMB Banking Ratios

Home Bancshares, Inc. (HOMB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
Return on Equity (ROE)14.02%7.65%13.19%11.91%8.38%11.88%9.7%10.74%10.38%10.86%
Return on Assets (ROA)1.86%1.11%2.02%1.91%1.36%1.85%1.49%1.73%1.78%2.02%
Net Interest Margin4.14%3.16%3.67%3.75%3.55%3.17%3.32%3.65%3.77%3.87%
Efficiency Ratio35.76%37.63%32.77%33.03%35.68%38.27%44.47%34.37%29.63%33.46%
Equity / Assets13.53%15.25%15.36%16.71%15.89%15.32%15.41%16.73%17.61%18.56%
Book Value / Share9.4314.5513.514.9715.7616.7818.0818.719.821.36
NII Growth14.13%12.3%23.05%0.39%3.43%-1.65%32.41%9%2.64%5.21%
Dividend Payout27.15%44.69%26.59%29.57%40.88%28.88%42.07%37.13%37.29%34.17%

HOMB SEC Filings & Documents

Home Bancshares, Inc. (HOMB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 17, 2026·SEC

Material company update

Apr 15, 2026·SEC

Material company update

Apr 1, 2026·SEC

10-K Annual Reports

3
FY 2026

Feb 27, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 26, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 4, 2025·SEC

FY 2025

Aug 5, 2025·SEC

FY 2025

May 5, 2025·SEC

HOMB Frequently Asked Questions

Home Bancshares, Inc. (HOMB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Home Bancshares, Inc. (HOMB) grew revenue by 9.5% over the past year. This is steady growth.

Yes, Home Bancshares, Inc. (HOMB) is profitable, generating $457.8M in net income for fiscal year 2024 (27.7% net margin).

Dividend & Returns

Yes, Home Bancshares, Inc. (HOMB) pays a dividend with a yield of 2.79%. This makes it attractive for income-focused investors.

Home Bancshares, Inc. (HOMB) has a return on equity (ROE) of 10.4%. This is reasonable for most industries.

Industry Metrics

Home Bancshares, Inc. (HOMB) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.

Home Bancshares, Inc. (HOMB) has an efficiency ratio of 29.6%. This is excellent, indicating strong cost control.

Explore More HOMB

Home Bancshares, Inc. (HOMB) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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