Home BancShares (HOMB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Home BancShares

NYSE•Financial Services•Banks - Regional

$29.74-0.47(-0.02%)Pre-market

Market Cap

$5.99B

P/E

10.1x

P/S

5.5x

P/B

1.3x

Home BancShares, Inc. 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 in the United States. The company offers deposit services, including checking, savings, and money market accounts, as well as certificates of deposit. It also provides loans comprising non-farm/non-residential real estate, construction/land development, residential mortgage, consumer, agricultural, and commercial and industrial loans. In addition, the company offers other banking services, such as internet and mobile banking, 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. Further, it provides trust, wealth management, and custodial services, as well as trustee services, escrow, and paying agent services. Additionally, the company writes policies for commercial and personal lines of business, including insurance for property, casualty, life, health, and employee benefits. It operates its branches in Arkansas, Florida, Texas, South Alabama, and New York City. Home BancShares, Inc. was founded in 1903 and is headquartered in Conway, Arkansas.

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Cash & Earnings Quality (23/25); weakest: Balance Sheet & Red Flags (20/25).

Profitability20/25

Growth20/25

Balance Sheet & Red Flags20/25

Cash & Earnings Quality23/25

Strengths

Rising free cash flowStrong marginsRising earningsLow leverage

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 10.1x5y range 8.8x – 47.5x

Currently near its 5-quarter median.

P/S · 5.5x5y range 4.2x – 6.2x

Currently near its 20-quarter median.

P/B · 1.3x5y range 1.2x – 1.4x

Price & Volume

Market Cap $5.99B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $1.10B
Q. Revenue: $289.90M
TTM EBITDA: $650.68M
TTM Op. Income: $619.28M
Q. Op. Income: $154.40M
TTM Net Income: $594.57M
Q. Net Income: $119.33M
EPS: $0.59
Shares Out.: $201.22M

$1.10B in TTM revenue grew 8.8% YoY, reaching $289.90M last quarter. TTM EBITDA of $650.68M and TTM operating income of $619.28M show growth is flowing through to the bottom line. TTM net income of $594.57M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 100.0%
EBITDA Margin: 55.1%
Op. Margin: 53.3%
Net Margin: 41.2%

Op. margin of 53.3% is down 3.4% YoY — costs are rising relative to revenue. Net margin at 41.2% and gross margin of 100.0% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has fallen for 3 consecutive quarters — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 10.1x
P/S Ratio: 5.5x
P/B Ratio: 1.3x

At 10.1x P/E, the stock trades below typical market levels. P/S of 5.5x and P/B of 1.3x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is down 79% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $24.71B
Cash: $1.05B
Long-Term Debt: $279.60M
Book Value: $4.55B
D/E Ratio: 0.1
Debt/EBITDA: 1.7

With $24.71B in assets and $279.60M in long-term debt, D/E is 0.1and book value is $4.55B — a conservative capital structure with a cushion to weather downturns. Across the last 8 quarters, debt/equity has fallen for 7 consecutive quarters — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $97.44M
TTM Free Cash Flow: $429.87M
FCF Margin: 39.2%
FCF / Net Income: 0.7

TTM FCF of $429.87M on $97.44M in operating cash flow. The FCF / Net Income ratio of 0.7x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.