Home BancShares, Inc. (HOMB) Stock Analysis
Financial Services · Banks - Regional · NYSE
Home BancShares, Inc. (HOMB) posted $1.10B in revenue for fiscal 2025 (up 7.3% year over year), at a 43.2% net margin, per its SEC filings.
Data last refreshed August 2, 2026 from SEC filings · how we compute this
The analyst's take on Home BancShares, Inc.
Home BancShares, Inc. has grown revenue from $0 to $1.10B over the last 10 fiscal years. The most recent year was up 7.3%.
Net margin sits at 43.2%, up 4 points year over year.
At today's valuation the market is pricing in roughly 3.5% annual free-cash-flow growth — versus the 6.1% it actually delivered over the last five years, broadly in line with what it has delivered. The one thing worth a second look in the filings is share count rising (dilution).
Synthesised from Home BancShares, Inc.'s SEC filings — descriptive, not advice. Ask the analyst your own question →
Home BancShares, Inc. revenue & earnings — last 10 fiscal years
| Metric | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $0 | $0 | $0 | $0 | $942.45M | $1.00B | $1.03B | $1.10B |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $26.81M | $17.59M | $54.74M | $63.02M | $66.52M | $113.06M | $305.26M | $392.93M | $402.24M | $475.44M |
| Net margin | — | — | — | — | — | — | 32.4% | 39.2% | 39.2% | 43.2% |
Source: Home BancShares, Inc. SEC filings (10-K).
Home BancShares, Inc.: 1 potential red flag in the filings
Patterns in the filed statements worth a second look — computed and cited, not AI guesswork, and not a signal to sell. The kind of thing that hides in a 10-K.
- Share count rising (dilution)Shares outstanding grew 19.9% over 4 years (163.7M → 196.4M) — existing holders' stakes are being diluted.
What growth is priced into HOMB stock?
At today's market cap of $5.55B, Home BancShares, Inc. is priced for free-cash-flow growth of about 3.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $377.02M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 6.1%/yr over the last five fiscal years, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 10 years of Home BancShares, Inc. financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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Home BancShares, Inc. financial history by metric
Compare Home BancShares, Inc. with peers
About Home BancShares, Inc.
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.
Home BancShares, Inc. — frequently asked questions
What is Home BancShares, Inc.'s revenue?
Home BancShares, Inc. (HOMB) reported revenue of $1.10B for fiscal year 2025, up 7.3% from the prior year, according to its SEC filings.
Is Home BancShares, Inc. profitable?
Yes. HOMB earned net income of $475.44M in fiscal 2025, a net margin of 43.2%.
What is HOMB's P/E ratio?
Home BancShares, Inc. trades at a price-to-earnings ratio of about 11.3 based on the latest data in our nightly-refreshed cache.
How much debt does Home BancShares, Inc. have?
As of fiscal year 2025, HOMB carried roughly $0 in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is Home BancShares, Inc.'s market cap?
Home BancShares, Inc. (HOMB) has a market capitalization of about $5.55B, based on the latest data in our nightly-refreshed cache.
When does Home BancShares, Inc.'s fiscal year end?
HOMB's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into HOMB stock?
At today's market cap of $5.55B, Home BancShares, Inc. is priced for free-cash-flow growth of about 3.5% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $377.02M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 6.1%/yr over the last five fiscal years, computed from its SEC filings.
Where does this data come from?
All figures are computed from Home BancShares, Inc.'s official SEC filings (10-K and 10-Q), covering 10 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.