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Earnings transcript
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HOMB
Home Bancshares, Inc.
$27.39
0.35
(1.29%)
| Exchange: | NYSE |
| Market Cap: | 5.517B |
| Shares Outstanding: | 21.479M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | John W. Allison | |||||
| Full Time Employees: | 2552 | |||||
| Address: |
| |||||
| Website: | https://www.homebancshares.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 1,326,369 | 1,452,004 | 1,374,364 |
| Gross Profit | 967,811 | 952,601 | 1,062,364 |
| EBITDA | 542,812 | 551,540 | 617,623 |
| Operating Income | 511,883 | 522,342 | 601,305 |
| Net Income | 392,929 | 402,241 | 475,441 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 22,656,658 | 22,490,748 | 22,881,879 |
| Total Liabilities | 18,865,583 | 18,529,723 | 18,585,008 |
| Total Stockholders Equity | 3,791,075 | 3,961,025 | 4,296,871 |
| Total Debt | 1,883,219 | 1,202,346 | 779,515 |
| Cash and Cash Equivalents | 1,000,213 | 910,347 | 670,337 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 379,670 | 460,646 | 0 |
| Capital Expenditure | -22,465 | -38,531 | 0 |
| Free Cash Flow | 357,205 | 422,115 | 0 |
| Net Income | 392,929 | 402,241 | 475,441 |
| Net Change in Cash | 275,423 | -89,866 | -910,347 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 1,253,232.945 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 1,253,232.948 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 1,253,232.947 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 559,003.832 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 559,003.834 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 559,003.833 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 530,951.860 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 545,058.212 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 538,284.712 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 289,572.538 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 289,572.538 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 289,572.538 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 2.720 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 2.760 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 2.690 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 1 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Solid Financial Performance: HOMB demonstrates consistent revenue and net income growth as reflected in recent income statements, supported by strong operating cash flow and free cash flow metrics from cash flow statements. This indicates a robust operational foundation and ability to generate sustainable earnings.
- Healthy Profitability Metrics: Key metrics such as gross profit margin TTM and net profit margin TTM are competitive within the industry, showcasing efficient cost management and profitability relative to peers in the banking sector.
- Strong Balance Sheet: Balance sheet data highlights a favorable current ratio TTM and quick ratio TTM, indicating good liquidity to cover short-term liabilities, while total stockholders' equity reflects a stable capital base for future growth.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates HOMB intrinsic value between $31.04 – $31.16 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
[intrinsic_calculator]
Common questions about HOMB valuation
Is Home Bancshares, Inc. (HOMB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Home Bancshares, Inc. (HOMB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is HOMB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether HOMB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is HOMB’s P/E ratio?
You can see HOMB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for HOMB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is HOMB a good long-term investment?
Whether HOMB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
HOMB
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
1.29
Trading Metrics:
| Open: | 27.29 | Previous Close: | 27.04 | |
| Day Low: | 27.24 | Day High: | 27.8 | |
| Year Low: | 25.5 | Year High: | 30.83 | |
| Price Avg 50: | 26.84 | Price Avg 200: | 27.88 | |
| Volume: | 1.946M | Average Volume: | 1.511M |
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Login — it's freeHOMB full analysis
Welcome to MARKETSNAP’s SWOT analysis for Home BancShares, also known by its ticker HOMB. If you’re a long-term investor looking to build wealth, you’re in the right place. Today, we’re diving deep into this regional banking player to uncover what makes it tick, what’s holding it back, and where it could be headed. So, grab a coffee, and let’s break it down together. First off, for those who might not be as familiar with Home BancShares, let me give you…
