Home Bancshares, Inc. (HOMB) 10-Year Financial Performance & Capital Metrics

HOMB • • Banking & Credit

Financial ServicesRegional BanksCommunity & Regional Retail BankingSoutheast Community Banks

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 Equity 10.38% -3.4%
Net Interest Margin 3.77% +3.4%
Efficiency Ratio 29.63% -13.8%
ROA 1.78% +3.3%
Equity / Assets 17.61% +5.3%
Book Value per Share 19.80 +5.9%
Tangible BV/Share 12.61 +9.1%
Debt/Equity 0.30 -38.9%

Technical Analysis

Key Insights

Based on financial 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 2.6%

✗Weaknesses

No significant weaknesses identified

Price & Volume

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Growth Metrics

Revenue CAGR

10Y13.76%

5Y12.41%

3Y24.52%

TTM-

Profit (Net Income) CAGR

10Y13.53%

5Y6.8%

3Y8.03%

TTM18.01%

EPS CAGR

10Y8.99%

5Y3.05%

3Y1.19%

TTM19.59%

ROCE

10Y Avg9.81%

5Y Avg9.93%

3Y Avg9.84%

Latest9.75%

Peer Comparison

Southeast Community Banks

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
FFINFirst Financial Bankshares, Inc.	4.68B	32.65	20.93	18.79%	30.24%	14.14%	6.26%	0.12
FHNFirst Horizon Corporation	11.85B	24.44	17.97	4.71%	15.7%	9.58%	10.33%	0.50
AUBAtlantic Union Bankshares Corporation	5.47B	38.36	17.13	28.8%	15.53%	4.22%	5.51%	0.17
UCBUnited Community Banks, Inc.	4.09B	33.91	16.62	14.65%	17.05%	8.83%	7.4%	0.13
SNVSynovus Financial Corp.	6.95B	50.05	16.52	1.16%	14.09%	13.7%	11.01%	0.35
PNFPPinnacle Financial Partners, Inc.	14.67B	97.65	16.38	15.32%	16.65%	9.1%	5.5%	0.39
CADECadence Bank	8.27B	44.40	16.03	32.37%	18.03%	9.08%	9.39%	0.01
ABCBAmeris Bancorp	5.56B	81.41	15.69	9.75%	21.97%	9.91%	2.53%	0.11

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	355.71M	405.96M	455.9M	561.01M	563.22M	582.55M	572.97M	758.68M	826.95M	848.77M
NII Growth %	0.12%	0.14%	0.12%	0.23%	0%	0.03%	-0.02%	0.32%	0.09%	0.03%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	377.44M	436.54M	520.25M	685.37M	717.99M	675.96M	625.17M	877.77M	1.18B	1.3B
Interest Expense	21.72M	30.58M	64.35M	124.36M	154.77M	93.41M	52.2M	119.09M	348.11M	451M
Loan Loss Provision	25.16M	18.61M	44.25M	4.32M	1.32M	129.25M	-4.75M	61.58M	10.45M	48.4M
Non-Interest Income+	67.21M	80.03M	88.53M	94.33M	90.91M	102.01M	126.81M	158.2M	151.32M	152.23M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	444.64M	516.56M	608.78M	779.7M	808.9M	777.97M	751.98M	1.04B	1.33B	1.45B
Revenue Growth %	0.11%	0.16%	0.18%	0.28%	0.04%	-0.04%	-0.03%	0.38%	0.28%	0.09%
Non-Interest Expense	179.26M	184.73M	229.1M	255.5M	267.18M	277.61M	287.76M	460.73M	455.93M	430.26M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	218.49M	282.65M	271.08M	395.52M	385.62M	277.7M	416.77M	394.57M	511.88M	522.34M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.23%	0.29%	-0.04%	0.46%	-0.03%	-0.28%	0.5%	-0.05%	0.3%	0.02%
Pretax Income+	218.49M	282.65M	271.08M	395.52M	385.62M	277.7M	416.77M	394.57M	511.88M	522.34M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	80.29M	105.5M	136M	95.12M	96.08M	63.26M	97.75M	89.31M	118.95M	120.1M
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	138.2M	177.15M	135.08M	300.4M	289.54M	214.45M	319.02M	305.26M	392.93M	402.24M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.22%	0.28%	-0.24%	1.22%	-0.04%	-0.26%	0.49%	-0.04%	0.29%	0.02%
Net Income (Continuing)	138.2M	177.15M	135.08M	300.4M	289.54M	214.45M	319.02M	305.26M	392.93M	402.24M
EPS (Diluted)+	1.01	1.26	0.89	1.73	1.73	1.30	1.94	1.57	1.94	2.01
EPS Growth %	0.19%	0.25%	-0.29%	0.94%	0%	-0.25%	0.49%	-0.19%	0.24%	0.04%
EPS (Basic)	1.01	1.26	0.90	1.73	1.73	1.30	1.94	1.57	1.94	2.01
Diluted Shares Outstanding	137.13M	140.71M	151.53M	174.12M	167.8M	165.37M	164.86M	195.02M	202.77M	200.07M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	255.82M	216.65M	635.93M	657.94M	490.6M	1.26B	3.65B	724.79M	1B	910.35M
Short Term Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	8.09B	8.66B	12.11B	12.94B	12.85B	13.45B	12.72B	19.45B	18.93B	18.84B
Investments Growth %	0.26%	0.07%	0.4%	0.07%	-0.01%	0.05%	-0.05%	0.53%	-0.03%	-0%
Long-Term Investments	6.88B	7.59B	10.45B	11.16B	10.77B	10.98B	9.6B	15.41B	15.42B	17.1B
Accounts Receivables	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	377.98M	377.98M	927.95M	958.41M	958.41M	973.02M	973.02M	1.4B	1.4B	1.4B
Intangible Assets	21.44M	18.31M	49.35M	42.9M	36.57M	30.73M	25.05M	58.45M	48.77M	40.33M
PP&E (Net)	212.16M	205.3M	237.44M	233.26M	280.1M	278.61M	275.76M	405.07M	393.3M	386.32M
Other Assets	233.04M	233.29M	367.62M	345.99M	325.55M	272.84M	283.79M	535.39M	573.67M	612.21M
Total Current Assets	1.49B	1.32B	2.35B	2.49B	2.62B	3.8B	6.82B	4.87B	4.63B	2.77B
Total Non-Current Assets	7.8B	8.49B	12.1B	12.81B	12.41B	12.6B	11.24B	18.01B	18.03B	19.72B
Total Assets+	9.29B	9.81B	14.45B	15.3B	15.03B	16.4B	18.05B	22.88B	22.66B	22.49B
Asset Growth %	0.25%	0.06%	0.47%	0.06%	-0.02%	0.09%	0.1%	0.27%	-0.01%	-0.01%
Return on Assets (ROA)	0.02%	0.02%	0.01%	0.02%	0.02%	0.01%	0.02%	0.01%	0.02%	0.02%
Accounts Payable	55.7M	51.23M	41.96M	67.91M	102.41M	128M	113.87M	196.88M	194.65M	0
Total Debt+	1.6B	1.49B	1.82B	1.98B	1.14B	939.26M	911.98M	1.22B	1.88B	1.2B
Net Debt	1.34B	1.27B	1.18B	1.33B	649.12M	-324.53M	-2.74B	496.78M	883.01M	292M
Long-Term Debt	1.47B	1.37B	1.67B	1.84B	991M	770.33M	771.09M	1.09B	1.74B	1.04B
Short-Term Debt	128.39M	121.29M	147.79M	143.68M	148.73M	168.93M	140.89M	131.15M	142.09M	162.35M
Other Liabilities	0	0	0	0	0	0	0	0	0	181.08M
Total Current Liabilities	6.62B	7.11B	10.58B	11.11B	11.53B	13.02B	14.52B	18.27B	17.12B	17.31B
Total Non-Current Liabilities	1.47B	1.37B	1.67B	1.84B	991M	770.33M	771.09M	1.09B	1.74B	1.22B
Total Liabilities	8.09B	8.48B	12.25B	12.95B	12.52B	13.79B	15.29B	19.36B	18.87B	18.53B
Total Equity+	1.2B	1.33B	2.2B	2.35B	2.51B	2.61B	2.77B	3.53B	3.79B	3.96B
Equity Growth %	0.18%	0.11%	0.66%	0.07%	0.07%	0.04%	0.06%	0.28%	0.08%	0.04%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.12%	0.14%	0.08%	0.13%	0.12%	0.08%	0.12%	0.1%	0.11%	0.1%
Book Value per Share	8.75	9.43	14.55	13.50	14.97	15.76	16.78	18.08	18.70	19.80
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	701K	1.41M	1.74M	1.71M	1.66M	1.65M	1.64M	2.03M	2.02M	1.99M
Additional Paid-in Capital	867.98M	869.74M	1.68B	1.61B	1.54B	1.52B	1.49B	2.39B	2.35B	2.27B
Retained Earnings	326.9M	455.95M	530.66M	752.18M	956.55M	1.04B	1.27B	1.44B	1.69B	1.94B
Accumulated OCI	4.18M	400K	-3.42M	-13.81M	16.22M	44.12M	10.46M	-305.46M	-249.07M	-256.11M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	205.06M	175.7M	140.07M	303.9M	247.41M	291.73M	389.38M	413.17M	379.67M	460.65M
Operating CF Growth %	-0.16%	-0.14%	-0.2%	1.17%	-0.19%	0.18%	0.33%	0.06%	-0.08%	0.21%
Net Income	138.2M	177.15M	135.08M	300.4M	289.54M	214.45M	319.02M	305.26M	392.93M	402.24M
Depreciation & Amortization	32.08M	14.55M	16.72M	19.2M	19.43M	20.08M	19.48M	31.86M	30.93M	29.2M
Deferred Taxes	7.17M	12.71M	34.08M	3.29M	28.97M	-19.75M	3.87M	2.21M	-4.08M	8.3M
Other Non-Cash Items	12.97M	-33.09M	23.38M	-49.51M	-68.23M	88.38M	31.99M	57.24M	-31.24M	49.22M
Working Capital Changes	10.72M	-2.24M	-75.89M	21.43M	-33.02M	-20.04M	6.17M	7.47M	-18.14M	-37.54M
Cash from Investing+	-752.21M	-558.68M	-318.63M	-779.58M	221.66M	-651.94M	624.66M	-1.02B	578.46M	5.67M
Purchase of Investments	-389.19M	-279.39M	-692.76M	-502.4M	-609.51M	-1.16B	-1.41B	-2.04B	-13.26M	-64.07M
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	147.03M	0	227.84M	-377.41M	0	-421.21M	0	858.58M	0	0
Other Investing	-846.18M	-696.99M	-125.31M	-274.98M	281.72M	156.1M	1.36B	-899.04M	8.85M	-382.88M
Cash from Financing+	690.44M	343.81M	597.84M	497.68M	-636.41M	1.13B	1.37B	-2.31B	-682.71M	-556.18M
Dividends Paid	-37.58M	-48.1M	-60.37M	-79.87M	-85.63M	-87.68M	-92.14M	-128.42M	-145.9M	-150M
Share Repurchases	-2.02M	-9.82M	-20.82M	-104.28M	-84.89M	-25.69M	-44.48M	-70.86M	-48.77M	-86.49M
Stock Issued	0	0	0	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	-1000K	1000K	1000K	-1000K	-1000K	-1000K	1000K	1000K	-1000K
Other Financing	27.85M	502.47M	477.22M	508.62M	385.06M	1.47B	1.54B	-2.19B	-1.14B	380.87M
Net Change in Cash+	143.29M	-39.17M	419.28M	22.01M	-167.34M	773.19M	2.39B	-2.93B	275.42M	-89.87M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	112.53M	255.82M	216.65M	635.93M	657.94M	490.6M	1.26B	3.65B	724.79M	1B
Cash at End	255.82M	216.65M	635.93M	657.94M	490.6M	1.26B	3.65B	724.79M	1B	910.35M
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	194.53M	172.62M	134.88M	294.27M	232.52M	280.18M	379.1M	393.59M	357.2M	422.12M
FCF Growth %	-0.21%	-0.11%	-0.22%	1.18%	-0.21%	0.2%	0.35%	0.04%	-0.09%	0.18%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	12.48%	14.02%	7.65%	13.19%	11.91%	8.38%	11.88%	9.7%	10.74%	10.38%
Return on Assets (ROA)	1.66%	1.86%	1.11%	2.02%	1.91%	1.36%	1.85%	1.49%	1.73%	1.78%
Net Interest Margin	3.83%	4.14%	3.16%	3.67%	3.75%	3.55%	3.17%	3.32%	3.65%	3.77%
Efficiency Ratio	40.32%	35.76%	37.63%	32.77%	33.03%	35.68%	38.27%	44.47%	34.37%	29.63%
Equity / Assets	12.92%	13.53%	15.25%	15.36%	16.71%	15.89%	15.32%	15.41%	16.73%	17.61%
Book Value / Share	8.75	9.43	14.55	13.5	14.97	15.76	16.78	18.08	18.7	19.8
NII Growth	12.21%	14.13%	12.3%	23.05%	0.39%	3.43%	-1.65%	32.41%	9%	2.64%
Dividend Payout	27.19%	27.15%	44.69%	26.59%	29.57%	40.88%	28.88%	42.07%	37.13%	37.29%

Revenue by Segment

	2018	2019	2020	2021	2022	2023	2024
Financial Service, Other	36.59M	-	-	36.45M	44.59M	44.19M	43.01M
Financial Service, Other Growth	-	-	-	-	22.32%	-0.90%	-2.67%
Deposit Account	26.85M	25.93M	21.38M	22.28M	37.11M	39.21M	39.22M
Deposit Account Growth	-	-3.43%	-17.54%	4.19%	66.61%	5.64%	0.04%
Financial Service Other	-	34.09M	30.69M	-	-	-	-
Financial Service Other Growth	-	-	-9.97%	-	-	-	-

Frequently Asked Questions

Valuation & Price

Home Bancshares, Inc. (HOMB) has a price-to-earnings (P/E) ratio of 14.4x. This may indicate the stock is undervalued or faces growth challenges.

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 2.60%. 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.

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