Home Bancshares, Inc. logo

Home Bancshares, Inc.

HOMB

NYSEFinancial ServicesBanks - Regional

Previous close

$30.27

+$0.08 · +0.26%

Aug 21, 4:00 PM ET

Pre-market

$30.40

+$0.13 · +0.43%

Aug 24, 8:31 AM ET

HOMB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

72

Undervalued

Momentum

54

Neutral

Sentiment

69

Bullish

Risk resilience

80

Low Risk

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Company profile

Company website

Based in Conway, Arkansas, Home Bancshares, Inc. functions as the parent company for Centennial Bank. Through Centennial Bank, it delivers a comprehensive suite of commercial and retail banking solutions, alongside other financial services, catering to a diverse clientele including businesses, property developers and investors, individual customers, and local government entities. The bank offers a variety of deposit options, such as checking accounts, savings accounts, money market accounts, and certificates of deposit. Its lending activities encompass a broad spectrum, including non-farm/non-residential real estate, construction and land development, residential mortgages, consumer loans, agricultural financing, and commercial and industrial loans. Beyond traditional banking, Centennial Bank also facilitates modern financial convenience through online and mobile banking platforms, voice response systems for information, cash management tools, overdraft protection, direct deposit services, and automated account transfers. Additionally, it offers safe deposit box rentals and access to United States savings bonds. Moreover, the company extends its services to include underwriting commercial and personal insurance policies, covering areas like property, casualty, life, health, and employee benefits. As of December 31, 2021, its operations spanned 160 branch locations, with 76 in Arkansas, 78 in Florida, 5 in Alabama, and a single branch in New York City. Home Bancshares, Inc., established in 1998, maintains its corporate headquarters in Conway, Arkansas.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
John W. Allison
Listed since
Jun 23, 2006
Employees
2,543

Market position

Day range

Current $30.27

52-week range

Current $30.27

Open
$30.38
Previous close
$30.19
Volume
891.33K
0.51× average
Average volume
1.75M
Average daily volume
Market cap
6.1B USD
Beta
0.68
Market reference 1
50-day average
$29.7936
+1.60% above average
200-day average
$28.209
+7.31% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
5.74B USD
P/E (TTM)
12.41×
P/B (TTM)
1.31×
P/S (TTM)
4.36×
EV / EBITDA
9.3×
Earnings yield
8.69%
Free cash flow yield
6.89%
Dividend yield
2.84%

Profitability & efficiency

Gross margin
78.54%
Operating margin
43.58%
Net margin
34.29%
Return on equity
11.06%
Return on assets
2.08%
Return on invested capital
8.80%

Financial health

Debt / equity
0.2×
Current ratio
0.13×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends100%74%47%21%Gross margin, FY2021: 93.69%Gross margin, FY2022: 82.56%Gross margin, FY2023: 72.97%Gross margin, FY2024: 65.61%Gross margin, FY2025: 77.30%Operating margin, FY2021: 55.42%Operating margin, FY2022: 38.09%Operating margin, FY2023: 38.59%Operating margin, FY2024: 35.97%Operating margin, FY2025: 43.75%Net margin, FY2021: 42.42%Net margin, FY2022: 29.47%Net margin, FY2023: 29.62%Net margin, FY2024: 27.70%Net margin, FY2025: 34.59%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 93.69%. Gross margin FY2022 82.56%. Gross margin FY2023 72.97%. Gross margin FY2024 65.61%. Gross margin FY2025 77.30%. Operating margin FY2021 55.42%. Operating margin FY2022 38.09%. Operating margin FY2023 38.59%. Operating margin FY2024 35.97%. Operating margin FY2025 43.75%. Net margin FY2021 42.42%. Net margin FY2022 29.47%. Net margin FY2023 29.62%. Net margin FY2024 27.70%. Net margin FY2025 34.59%.

Income trends

Revenue

1.37B USD-5.35%

Operating income

601.31M USD+15.12%

Net income

475.44M USD+18.20%
Income trends across reported periods1.57B USD1.11B USD649.28M USD190.59M USDRevenue, FY2021: 751.98M USDRevenue, FY2022: 1.04B USDRevenue, FY2023: 1.33B USDRevenue, FY2024: 1.45B USDRevenue, FY2025: 1.37B USDOperating income, FY2021: 416.78M USDOperating income, FY2022: 394.58M USDOperating income, FY2023: 511.88M USDOperating income, FY2024: 522.34M USDOperating income, FY2025: 601.31M USDNet income, FY2021: 319.02M USDNet income, FY2022: 305.26M USDNet income, FY2023: 392.93M USDNet income, FY2024: 402.24M USDNet income, FY2025: 475.44M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 751.98M USD. Revenue FY2022 1.04B USD. Revenue FY2023 1.33B USD. Revenue FY2024 1.45B USD. Revenue FY2025 1.37B USD. Operating income FY2021 416.78M USD. Operating income FY2022 394.58M USD. Operating income FY2023 511.88M USD. Operating income FY2024 522.34M USD. Operating income FY2025 601.31M USD. Net income FY2021 319.02M USD. Net income FY2022 305.26M USD. Net income FY2023 392.93M USD. Net income FY2024 402.24M USD. Net income FY2025 475.44M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue1.37B USD1.45B USD1.33B USD1.04B USD751.98M USD
Cost of goods sold312M USD499.4M USD358.56M USD180.67M USD47.45M USD
Gross profit1.06B USD952.6M USD967.81M USD855.3M USD704.54M USD
Selling, general, and administrative340.76M USD268.78M USD296.73M USD260.48M USD185.81M USD
Operating expenses461.06M USD430.26M USD455.93M USD460.73M USD287.76M USD
Interest income1.28B USD1.3B USD1.18B USD877.77M USD625.17M USD
Interest expense408.78M USD451M USD348.11M USD119.09M USD52.2M USD
Depreciation and amortization16.32M USD29.2M USD30.93M USD31.86M USD19.48M USD
Operating income601.31M USD522.34M USD511.88M USD394.58M USD416.78M USD
Net income475.44M USD402.24M USD392.93M USD305.26M USD319.02M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
64%
7 beats, 2 misses, 2 met estimates
Average EPS surprise
+1.87%
11 comparable reports
Latest EPS result
0.64
Estimate 0.61 · Beat by 5.09%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.680.610.530.46Q1 '25MissQ2 '25BeatQ3 '25MetQ4 '25BeatQ1 '26MetQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 15, 2025: actual 0.5, estimate 0.53, surprise -5.66%, Miss. Q2 2025, reported Apr 16, 2025: actual 0.56, estimate 0.537, surprise +4.28%, Beat. Q3 2025, reported Jul 16, 2025: actual 0.58, estimate 0.58, surprise 0.00%, Met estimate. Q4 2025, reported Oct 15, 2025: actual 0.61, estimate 0.597, surprise +2.18%, Beat. Q1 2026, reported Jan 14, 2026: actual 0.6, estimate 0.6, surprise 0.00%, Met estimate. Q2 2026, reported Apr 15, 2026: actual 0.6, estimate 0.594, surprise +1.01%, Beat. Q3 2026, reported Jul 15, 2026: actual 0.64, estimate 0.609, surprise +5.09%, Beat. Q4 2026, reported Oct 14, 2026: actual —, estimate 0.63, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates306.9M284.87M262.84M240.81MQ1 '25BeatQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26MissQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 15, 2025: actual 254.76M USD, estimate 252.61M USD, surprise +0.85%, Beat. Q2 2025, reported Apr 16, 2025: actual 256.91M USD, estimate 255.22M USD, surprise +0.66%, Beat. Q3 2025, reported Jul 16, 2025: actual 266.6M USD, estimate 269.96M USD, surprise -1.24%, Miss. Q4 2025, reported Oct 15, 2025: actual 279.67M USD, estimate 269.96M USD, surprise +3.60%, Beat. Q1 2026, reported Jan 14, 2026: actual 282.1M USD, estimate 272.48M USD, surprise +3.53%, Beat. Q2 2026, reported Apr 15, 2026: actual 266.71M USD, estimate 272.94M USD, surprise -2.28%, Miss. Q3 2026, reported Jul 15, 2026: actual 295.1M USD, estimate 288.7M USD, surprise +2.21%, Beat. Q4 2026, reported Oct 14, 2026: actual —, estimate 294.51M USD, surprise —, Comparison unavailable.

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