Home Bancshares, Inc. (HOMB) Stock

Home Bancshares, Inc. (HOMB) is a Financials stock trading at $30.20 (as of 2026-08-20), with a market capitalization of $5.94B and a trailing P/E of 12.4. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

Home Bancshares, Inc. serves as the bank holding company for Centennial Bank, providing commercial and retail banking and related financial services. It offers deposit and loan products, online and mobile banking and related account services, and through its branches supports businesses, real estate developers and investors, individuals, and municipalities.

Understand Home Bancshares, Inc.: how it makes money

Home Bancshares, Inc. operates Centennial Bank, providing commercial and retail banking through deposit accounts (checking, savings, money market accounts, and certificates of deposit) and a loan portfolio spanning non-farm real estate, construction and land development, residential mortgage, consumer, agricultural, and commercial and industrial loans, plus internet and mobile banking services.

For a community bank, the core profit engine is originating and funding loans, while protecting earnings from credit problems, so investors should focus on loan production and credit quality (Non-Performing Loans and Non-Performing Assets ratios), alongside operating efficiency (Efficiency Ratio).

Business quality (Solid): Credit quality metrics and efficiency are available, which helps track the stability of the operating model, but the data provided does not break out segment revenue.

Valuation: At 11× earnings, HOMB trades 10% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

Asset quality is tracked with specific non-performing metrics: For the latest quarter, the Non-Performing Loans (NPL) Ratio is 0.6% and the Non-Performing Assets (NPA) Ratio is 0.56%, which indicates the company reports and monitors credit performance.
Operating performance includes a measure of efficiency investors can benchmark: The Efficiency Ratio (GAAP) is 41.59% for the latest quarter, giving a concrete view into how efficiently the bank generates operating results.

Bear case

Loan mix includes categories that can be sensitive to economic conditions: The loan portfolio includes construction and land development and residential mortgage exposure, which can be vulnerable when local markets deteriorate.
Funding composition may matter in stress scenarios: Uninsured Deposits are 7.89 USD_B in the provided metrics, which can increase sensitivity to deposit funding conditions if stress affects deposit stability.
Growth and liquidity require managing commitments: The Unfunded Commitment Pipeline is 4.4 USD_B, so managing liquidity and risk around future funding commitments is an ongoing operational requirement.

Valuation — source: SEC EDGAR (first-party)
Price	$30.20
Market Cap	$5.94B
P/E Ratio	12.4
EV / EBITDA	7.6
Price / Book	1.31
Price / Sales	4.63
FCF Yield	13.6%
DCF Value (model)	$47.50
DCF Upside vs Price	57.3%

Profitability & Growth — source: SEC EDGAR
Revenue (TTM)	$1.28B
Net Margin	37.2%
Revenue Growth (YoY)	-1.6%
EPS Growth (YoY)	19.9%
FCF Growth (YoY)	-10.7%

Valuation vs Sector & Industry
Stock P/E	12.4
Sector P/E (Financials)	15.1
Industry P/E (Banking)	12.9
vs Sector	-18.2%
vs Industry	-4.1%

Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional Holder	BlackRock, Inc. ($642.89M)
Institutional Holders Tracked	10
Congressional Trades (recent)	7

Company
Sector	Financials
Industry	Banking
CEO	John W. Allison
Employees	2,552
Country	US
IPO Date	2006-06-23

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.