Home Bancshares, Inc. (HOMB) Financial Ratios
21 years of historical data (2004–2024) · Financial Services · Banks - Regional
EV/EBITDA
↑
10.06
+9% vs avg
5yr avg: 9.22
30Y Low2.9·High47.0
P/FCF
↑
12.45
+2% vs avg
5yr avg: 12.23
30Y Low8.7·High105.9
P/B Ratio
↑
1.35
+0% vs avg
5yr avg: 1.35
30Y Low1.1·High2.9
ROE
↑
10.4%
↓+2% vs avg
5yr avg: 10.2%
30Y Low4%·High14%
Debt/EBITDA
↓
2.18
↓-21% vs avg
5yr avg: 2.75
30Y Low2.0·High22.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
HOMB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Home Bancshares, Inc. trades at 13.3x earnings, roughly in line with its 5-year average of 13.8x, sitting at the 21st percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.3x. On a free-cash-flow basis, the stock trades at 12.5x P/FCF, roughly in line with the 5-year average of 12.2x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $5.3B | $5.7B | $5.1B | $4.4B | $4.0B | $3.2B | $3.3B | $2.8B | $3.5B | $3.9B | $2.8B |
| Enterprise Value | $5.5B | $6.0B | $6.0B | $4.9B | $1.3B | $2.9B | $3.9B | $4.2B | $4.7B | $5.2B | $4.1B |
| P/E Ratio → | 13.28 | 14.08 | 13.06 | 14.52 | 12.55 | 14.98 | 11.36 | 9.45 | 26.12 | 22.04 | 20.06 |
| P/S Ratio | 3.62 | 3.90 | 3.87 | 4.29 | 5.34 | 4.14 | 4.08 | 3.65 | 5.79 | 7.56 | 6.25 |
| P/B Ratio | 1.35 | 1.43 | 1.35 | 1.26 | 1.45 | 1.24 | 1.31 | 1.21 | 1.60 | 2.94 | 2.32 |
| P/FCF | 12.45 | 13.41 | 14.38 | 11.29 | 10.59 | 11.50 | 14.19 | 9.67 | 26.12 | 22.64 | 14.28 |
| P/OCF | 11.41 | 12.29 | 13.53 | 10.76 | 10.31 | 11.04 | 13.33 | 9.41 | 25.15 | 22.24 | 13.55 |
P/E links to full P/E history page with 30-year chart
HOMB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Home Bancshares, Inc.'s enterprise value stands at 10.1x EBITDA, 9% above its 5-year average of 9.2x. The Financial Services sector median is 11.4x, placing the stock at a 12% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 4.10 | 4.54 | 4.77 | 1.70 | 3.72 | 4.88 | 5.35 | 7.72 | 10.02 | 9.26 |
| EV / EBITDA | 10.06 | 10.80 | 11.09 | 11.59 | 2.92 | 9.73 | 9.75 | 10.06 | 16.34 | 17.42 | 16.43 |
| EV / EBIT | 10.62 | 11.40 | 11.76 | 12.52 | 3.06 | 10.43 | 10.24 | 10.55 | 17.35 | 18.32 | 18.85 |
| EV / FCF | — | 14.11 | 16.85 | 12.55 | 3.37 | 10.34 | 16.98 | 14.18 | 34.86 | 30.00 | 21.17 |
HOMB Profitability
Margins and return-on-capital ratios measuring operating efficiency
Home Bancshares, Inc. earns an operating margin of 36.0%, above the Financial Services sector average of 21.4%. Operating margins have compressed from 38.1% to 36.0% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 10.4% is modest. ROIC of 7.2% represents adequate returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 65.6% | 65.6% | 73.0% | 82.6% | 93.7% | 71.4% | 80.7% | 83.5% | 82.2% | 90.5% | 89.5% |
| Operating Margin | 36.0% | 36.0% | 38.6% | 38.1% | 55.4% | 35.7% | 47.7% | 50.7% | 44.5% | 54.7% | 49.1% |
| Net Profit Margin | 27.7% | 27.7% | 29.6% | 29.5% | 42.4% | 27.6% | 35.8% | 38.5% | 22.2% | 34.3% | 31.1% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 10.4% | 10.4% | 10.7% | 9.7% | 11.9% | 8.4% | 11.9% | 13.2% | 7.6% | 14.0% | 12.5% |
| ROA | 1.8% | 1.8% | 1.7% | 1.5% | 1.9% | 1.4% | 1.9% | 2.0% | 1.1% | 1.9% | 1.7% |
| ROIC | 7.2% | 7.2% | 7.4% | 7.0% | 8.7% | 5.8% | 7.2% | 7.1% | 5.9% | 7.6% | 6.9% |
| ROCE | 9.8% | 9.8% | 10.1% | 9.7% | 12.1% | 8.1% | 10.0% | 9.8% | 8.3% | 10.5% | 9.8% |
HOMB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Home Bancshares, Inc. carries a Debt/EBITDA ratio of 2.2x, which is manageable (47% below the sector average of 4.1x). Net debt stands at $292M ($1.2B total debt minus $910M cash). Interest coverage of just 1.2x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.30 | 0.30 | 0.50 | 0.35 | 0.33 | 0.36 | 0.45 | 0.84 | 0.82 | 1.12 | 1.33 |
| Debt / EBITDA | 2.18 | 2.18 | 3.47 | 2.86 | 2.09 | 3.15 | 2.81 | 4.79 | 6.31 | 5.00 | 6.37 |
| Net Debt / Equity | — | 0.07 | 0.23 | 0.14 | -0.99 | -0.12 | 0.26 | 0.56 | 0.53 | 0.96 | 1.12 |
| Net Debt / EBITDA | 0.53 | 0.53 | 1.63 | 1.16 | -6.28 | -1.09 | 1.60 | 3.20 | 4.10 | 4.28 | 5.35 |
| Debt / FCF | — | 0.69 | 2.47 | 1.26 | -7.22 | -1.16 | 2.79 | 4.51 | 8.74 | 7.36 | 6.89 |
| Interest Coverage | 1.16 | 1.16 | 1.47 | 3.31 | 7.98 | 2.97 | 2.49 | 3.18 | 4.21 | 9.24 | 10.06 |
HOMB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.16x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 0.27x to 0.16x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.16 | 0.16 | 0.27 | 0.27 | 0.47 | 0.29 | 0.23 | 0.22 | 0.22 | 0.19 | 0.23 |
| Quick Ratio | 0.16 | 0.16 | 0.27 | 0.27 | 0.47 | 0.29 | 0.23 | 0.22 | 0.22 | 0.19 | 0.23 |
| Cash Ratio | 0.05 | 0.05 | 0.06 | 0.04 | 0.25 | 0.10 | 0.04 | 0.06 | 0.06 | 0.03 | 0.04 |
| Asset Turnover | — | 0.06 | 0.06 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.05 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
HOMB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Home Bancshares, Inc. returns 4.5% to shareholders annually — split between a 2.8% dividend yield and 1.6% buyback yield. The payout ratio of 37.3% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 7.5% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 2.8% | 2.6% | 2.8% | 2.9% | 2.3% | 2.7% | 2.6% | 2.8% | 1.7% | 1.2% | 1.4% |
| Payout Ratio | 37.3% | 37.3% | 37.1% | 42.1% | 28.9% | 40.9% | 29.6% | 26.6% | 44.7% | 27.2% | 27.2% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.5% | 7.1% | 7.7% | 6.9% | 8.0% | 6.7% | 8.8% | 10.6% | 3.8% | 4.5% | 5.0% |
| FCF Yield | 8.0% | 7.5% | 7.0% | 8.9% | 9.4% | 8.7% | 7.0% | 10.3% | 3.8% | 4.4% | 7.0% |
| Buyback Yield | 1.6% | 1.5% | 0.9% | 1.6% | 1.1% | 0.8% | 2.6% | 3.7% | 0.6% | 0.3% | 0.1% |
| Total Shareholder Yield | 4.5% | 4.2% | 3.8% | 4.5% | 3.4% | 3.5% | 5.2% | 6.5% | 2.3% | 1.5% | 1.4% |
| Shares Outstanding | — | $200M | $203M | $195M | $165M | $165M | $168M | $174M | $152M | $141M | $137M |
Peer Comparison
Compare HOMB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 HOMBYou | $5B | 13.3 | 10.1 | 12.5 | 65.6% | 36.0% | 10.4% | 7.2% | 2.2 |
 SFNC | $3B | -7.3 | — | 6.9 | 5.8% | -84.2% | -11.4% | -9.1% | — |
 IBCP | $690M | 10.3 | 9.3 | 9.8 | 69.6% | 25.8% | 14.3% | 10.2% | 1.4 |
 FFIN | $5B | 20.7 | 14.1 | 15.7 | 70.8% | 36.8% | 14.4% | 11.0% | 0.7 |
 BOKF | $10B | 16.6 | 17.4 | 7.3 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 UMBF | $10B | 14.4 | 12.1 | 10.2 | 54.4% | 20.3% | 12.6% | 7.5% | 3.6 |
 CVBF | $3B | 13.5 | 13.0 | 12.8 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 TCBI | $4B | 14.8 | 7.3 | 12.8 | 60.6% | 22.2% | 9.4% | 7.0% | 2.0 |
 IBOC | $4B | 10.8 | 8.5 | 9.0 | 78.3% | 49.4% | 13.6% | 10.5% | 1.3 |
 SBCF | $3B | 19.6 | 22.4 | 16.9 | 61.6% | 21.4% | 5.5% | 3.9% | 7.2 |
 BANR | $2B | 11.5 | 9.5 | 8.9 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
| Financial Services Median | — | 13.3 | 11.4 | 10.6 | 62.9% | 21.4% | 9.5% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 21 years · Updated daily
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Start ComparisonHOMB — Frequently Asked Questions
Quick answers to the most common questions about buying HOMB stock.
What is Home Bancshares, Inc.'s P/E ratio?
Home Bancshares, Inc.'s current P/E ratio is 13.3x. The historical average is 21.1x. This places it at the 21th percentile of its historical range.
What is Home Bancshares, Inc.'s EV/EBITDA?
Home Bancshares, Inc.'s current EV/EBITDA is 10.1x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 15.7x.
What is Home Bancshares, Inc.'s ROE?
Home Bancshares, Inc.'s return on equity (ROE) is 10.4%. The historical average is 9.7%.
Is HOMB stock overvalued?
Based on historical data, Home Bancshares, Inc. is trading at a P/E of 13.3x. This is at the 21th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Home Bancshares, Inc.'s dividend yield?
Home Bancshares, Inc.'s current dividend yield is 2.81% with a payout ratio of 37.3%.
What are Home Bancshares, Inc.'s profit margins?
Home Bancshares, Inc. has 65.6% gross margin and 36.0% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Home Bancshares, Inc. have?
Home Bancshares, Inc.'s Debt/EBITDA ratio is 2.2x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.