Home Bancshares, Inc.
- Open
- 28.66
- Day high
- 29.08
- Day low
- 28.52
- Prev close
- 28.55
- Volume
- 878K
- Mkt cap
- $5.8B
- P/E (TTM)
- 11.9
- EPS (TTM)
- $2.42
- P/B
- 1.3
- P/S
- 4.3
- Yield
- 2.86%
- Per share
- $0.83
- ▲Insiders net buying $2.6M over the last 3 months (1 open-market buy, 2 sales)
- 🏛Institutions mixed (13F)
Home Bancshares, Inc. (HOMB) is a Financial Services company listed on NYSE. The stock is down 3% over the past year. Over the trailing 3 months, insiders filed 1 open-market buy and 2 sales (SEC Form 4).
Home Bancshares, Inc. (HOMB) financials & analyst ratings
Fundamentals (TTM)
Analyst consensus · 5 analysts
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
HOMB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 16, 2026 | $0.60 | $0.60 | +0.0% | $267M | -2.3% |
| Jan 14, 2026 | $0.60 | $0.60 | +0.0% | $260M | -5.2% |
| Oct 15, 2025 | $0.60 | $0.61 | +2.2% | $280M | +3.6% |
| Jul 16, 2025 | $0.58 | $0.58 | +0.0% | $267M | -1.2% |
| Apr 16, 2025 | $0.54 | $0.56 | +4.3% | $257M | +0.7% |
| Jan 15, 2025 | $0.53 | $0.50 | -5.7% | $255M | +0.8% |
| Oct 16, 2024 | $0.53 | $0.50 | -5.7% | $254M | -1.7% |
| Jul 17, 2024 | $0.49 | $0.52 | +6.1% | $249M | -1.2% |
| Apr 18, 2024 | $0.46 | $0.49 | +6.5% | $243M | +1.0% |
| Jan 18, 2024 | $0.45 | $0.48 | +6.7% | $239M | -1.5% |
| Oct 19, 2023 | $0.48 | $0.49 | +2.1% | $241M | -3.3% |
| Jul 20, 2023 | $0.51 | $0.52 | +2.0% | $251M | -1.5% |
HOMB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 2, 2026 | Allison John W IIdirector | Sell | 2,000 | $26.38 |
| Apr 22, 2026 | Hester Kevinofficer: President and CLO | Option | 20,000 | $21.25 |
| Apr 22, 2026 | FLOYD JENNIFER C.officer: Chief Accounting Officer | Sell | 3,000 | $27.11 |
| Apr 22, 2026 | Hester Kevinofficer: President and CLO | Tax | 15,637 | $27.18 |
| Apr 20, 2026 | ALLISON JOHN Wdirector, officer: Chairman & CEO | Buy | 100,000 | $26.96 |
| Feb 24, 2026 | Allison John W IIdirector | Sell | 5,000 | $28.19 |
| Feb 11, 2026 | Hinkle James Gdirector | Sell | 30,000 | $30.27 |
| Jan 29, 2026 | Townsell Donnadirector, officer: Director of Investor Relations | Sell | 5,563 | $28.38 |
| Jan 23, 2026 | Townsell Donnadirector, officer: Director of Investor Relations | Tax | 14,437 | $29.44 |
| Jan 23, 2026 | Townsell Donnadirector, officer: Director of Investor Relations | Option | 20,000 | $21.25 |
| Jan 21, 2026 | Engelkes Jackdirector | Grant | 3,000 | — |
| Jan 20, 2026 | ALLISON JOHN Wdirector, officer: Chairman & CEO | Grant | 83,000 | — |
| Jan 20, 2026 | Rankin Jimdirector | Grant | 3,000 | — |
| Jan 20, 2026 | Hester Kevinofficer: President and CLO | Grant | 30,000 | — |
| Jan 20, 2026 | ALLISON JOHN Wdirector, officer: Chairman & CEO | Grant | 100,000 | — |
Source: HOMB SEC Form 4 filings, latest Jun 2, 2026. For informational purposes only — not investment advice.
See the full HOMB insider & 13F page →Home Bancshares, Inc. company profile
Overview
Home Bancshares, Inc. (NASDAQ:HOMB) is a regional bank holding company founded in 1998 and headquartered in Conway, Arkansas. The company operates primarily through its subsidiary Centennial Bank, which has grown from a small Arkansas community bank into a significant regional banking institution with 160 branches across Arkansas, Florida, Alabama, and New York. Through strategic acquisitions, including the notable 2022 merger with Happy State Bank, Home Bancshares has expanded its footprint and built a diversified loan portfolio totaling nearly $15 billion as of 2025.
Business
Home Bancshares operates in the regional banking industry through its primary subsidiary, Centennial Bank. Regional banks serve as financial intermediaries that accept deposits from customers and use those funds to make loans to individuals, businesses, and real estate developers within their geographic markets. The company's core business revolves around traditional banking services. On the deposit side, Centennial Bank offers checking accounts, savings accounts, money market accounts, and certificates of deposit (CDs) to retail customers, businesses, and municipalities. These deposits provide the funding base for the bank's lending operations. The loan portfolio represents the bank's primary revenue-generating asset and consists of several segments. Non-farm/non-residential real estate loans constitute the largest portion, focusing on commercial properties like office buildings, retail centers, and industrial facilities. Construction and land development loans finance real estate projects during the building phase. Residential mortgage loans serve homebuyers, while commercial and industrial loans provide working capital and equipment financing to businesses. The bank also offers consumer loans for personal needs and agricultural loans to farmers and ranchers. Beyond traditional banking, Home Bancshares operates Shore Premier Finance, a specialized marine lending division that finances boats and yachts. The company also provides insurance services through its insurance subsidiary, writing policies for property, casualty, life, health, and employee benefits coverage. Modern banking services include internet banking, mobile banking, cash management systems, overdraft protection, direct deposit, automatic transfers, and safe deposit boxes. The bank also serves as an agent for U.S. savings bonds.
Revenue model
Home Bancshares generates revenue primarily through the fundamental banking business model of net interest income - the difference between what it earns on loans and investments versus what it pays on deposits and borrowed funds. This spread, measured as net interest margin, has been running around 4.27-4.44% in recent quarters. The bank's customers fall into several categories. Individual consumers provide deposits through checking and savings accounts while borrowing for homes, cars, and personal needs. Small and medium-sized businesses use the bank for operating accounts, payroll services, and commercial loans. Real estate developers and investors represent a significant customer segment, utilizing construction loans and commercial real estate financing. Municipalities also bank with Centennial for their operational needs. Secondary revenue streams include fee income from services like account maintenance, overdraft fees, loan origination fees, and cash management services. The insurance subsidiary generates commission income from policy sales. Shore Premier Finance contributes specialized marine lending income. Several factors influence the bank's profitability margins. Rising interest rates generally benefit banks by allowing them to charge higher loan rates while deposit costs adjust more slowly, expanding net interest margins. However, intense competition for deposits can pressure funding costs upward. Credit quality directly impacts margins through loan loss provisions - economic downturns increase defaults and require higher reserves. Regulatory changes, particularly around capital requirements, can affect lending capacity and returns. The bank's geographic concentration in Arkansas, Florida, Alabama, and Texas makes it sensitive to regional economic conditions, particularly real estate markets and energy sector performance in Texas. Operational efficiency also drives profitability. Home Bancshares has maintained an efficiency ratio around 42-43%, meaning operating expenses consume less than half of revenue, which is considered strong performance for regional banks. The ability to control personnel costs, technology investments, and branch expenses while growing revenue determines long-term margin sustainability.
Competitive moat
Home Bancshares operates in the highly competitive regional banking sector, where traditional moats are generally limited. The company's primary competitive advantages stem from its geographic market presence and relationship-based banking model. The bank has established strong positions in several attractive markets, particularly Florida and Texas metropolitan areas, which have experienced above-average population and economic growth. These local market relationships create some customer stickiness, as businesses and individuals often prefer working with banks that understand local market conditions and can provide personalized service. The 160-branch network provides convenient access for customers who value in-person banking services. Management's conservative approach to lending and balance sheet management represents another defensive characteristic. The bank has maintained relatively low credit losses and strong capital ratios, which provides stability during economic downturns and positions it to acquire distressed competitors or gain market share when others retreat from lending. However, the banking industry faces significant competitive pressures that limit moat strength. Large national banks can offer more comprehensive services, better technology platforms, and more competitive pricing due to their scale advantages. Credit unions provide tax-advantaged competition for consumer banking. Online banks can offer higher deposit rates without branch network costs. Fintech companies are increasingly providing alternative lending and payment solutions. The regulatory environment also constrains banks' ability to differentiate significantly. Interest rate spreads are largely determined by market conditions rather than unique competitive positioning. Customer switching costs are relatively low, particularly for business customers who can easily move their banking relationships. Overall, Home Bancshares operates in a business with limited moat characteristics, relying primarily on execution excellence, market knowledge, and conservative risk management rather than structural competitive advantages.
Risks & safety
Home Bancshares demonstrates a solid financial foundation with manageable risk levels, though regional banking inherently carries cyclical risks. Liquidity and Solvency: • Strong cash position with over $900 million in cash and short-term investments • Loan-to-deposit ratio around 85-87%, indicating conservative funding structure • No significant debt burden relative to equity • Tangible common equity ratio above 11%, well above regulatory minimums Valuation Metrics: • Price-to-earnings ratio of approximately 12-14x, reasonable for regional banks • Price-to-book ratio around 1.4x, close to book value • Return on equity of 10%+, indicating efficient capital utilization • Return on assets around 1.8%, solid for the banking sector Credit Quality: • Non-performing loans at historically low 0.60% of total loans • Loan loss reserves at 2% of total loans, with 312% coverage of non-performing loans • Minimal charge-offs in recent quarters Other Considerations: • Geographic concentration risk in Arkansas, Florida, Alabama, and Texas • Interest rate sensitivity - benefits from rising rates but vulnerable to rapid declines • Regulatory capital ratios well above minimum requirements provide cushion
Recent development
Over the past few years, Home Bancshares has pursued a strategy focused on disciplined growth and operational efficiency rather than aggressive expansion. The most significant development was the 2022 completion of the merger with Happy State Bank, which expanded the company's presence in Texas and added approximately $2.8 billion in assets. The bank has emphasized conservative credit management throughout the recent challenging banking environment. While many regional banks faced significant credit losses and deposit outflows in 2023, Home Bancshares maintained stable asset quality and actually grew deposits. Management has consistently maintained loan loss reserves at 2% of total loans, higher than many peers. Technology and efficiency initiatives have been ongoing priorities. The company has improved its efficiency ratio to the low-40% range through expense management while investing in digital banking capabilities. The bank has enhanced its mobile and online banking platforms to compete with larger institutions and fintech companies. Management has positioned the company for potential acquisition opportunities, particularly anticipating that smaller banks may face challenges as federal support programs like the Bank Term Funding Program expired in 2024. The company maintains strong capital ratios and liquidity specifically to take advantage of strategic acquisition opportunities that may arise from industry consolidation. The Shore Premier Finance marine lending division has shown consistent growth, representing a specialized niche that differentiates the bank from typical community bank competitors. This division has contributed steady loan growth even during periods when traditional commercial lending demand has been softer. Recent quarters have shown success in loan repricing as the bank has been able to increase yields on new loan originations to over 9% while managing deposit cost increases, resulting in expanding net interest margins.
HOMB company profile · for informational purposes only — not investment advice.
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