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Upturn AI Summary - About
Home BancShares Inc(HOMB)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HOMB
11/13/2026: HOMB (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Home BancShares is a regional bank holding company based in Arkansas, primarily operating through its Centennial Bank subsidiary. The company has built a solid reputation through a disciplined, acquisition-heavy strategy that expanded its presence across the Southern United States. Its primary strength lies in maintaining high operational efficiency and strong credit quality within its regional markets. While the company offers a reliable dividend, investors should monitor risks associated with its geographic concentration, exposure to commercial real estate, and dependence on future successful acquisitions. It is a suitable option for value-oriented and dividend-focused investors looking for exposure to the regional banking sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The growth is primarily inorganic and tied to cyclical regional economic health. |
| Momentum investor | Weak fit | Banking stocks often move with macro interest rate trends rather than technical momentum patterns. |
| Value investor | Strong fit | The bank often trades at valuations reflective of its operational efficiency and earnings power. |
| Dividend investor | Strong fit | The company has a consistent history of paying and growing dividends. |
| Low-risk investor | Mixed fit | Regional banking carries inherent economic and interest rate risk despite good management. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Banking stocks frequently react sharply to interest rate policy shifts. |
| Valuation risk | Medium | Overpayment during acquisition cycles could compress future returns. |
| Competition risk (traditional banking) | Medium / high | Strong competition from both incumbents and digital entrants threatens margins. |
| Business quality | Strong | The bank is known for high efficiency ratios and disciplined credit standards. |
| Dividend income | Low | Dividends are generally stable and supported by strong core earnings. |
| Execution risk | Medium | The reliance on M&A means future performance depends on successful cultural and system integrations. |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.96B USD | Price to earnings Ratio 12.3 | 1Y Target Price 32.88 |
Price to earnings Ratio 12.3 | 1Y Target Price 32.88 | ||
Volume (30-day avg) 1.7M shares | Beta 0.73 | 52 Weeks Range 25.09 - 31.30 | Updated Date 11/13/2026 |
52 Weeks Range 25.09 - 31.30 | Updated Date 11/13/2026 | ||
Dividends yield (FY) 2.85% | Basic EPS (TTM) 2.44 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Very Smooth
The stock has followed a highly orderly price path with minimal short-term disruption.
Analysis of Past Performance
Type Stock | Historic Profit -15.67% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | The primary way the bank makes money is by charging more interest on loans than it pays to depositors. |
| Non-Interest Income | Service charges, trust fees, and mortgage banking income. | This is supplemental revenue from fees for services provided to customers. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-14 | When After Market | Estimate 0.64 | Actual 0.65 |
Profitability
Profit Margin 43.44% | Operating Margin (TTM) 57.62% |
Management Effectiveness
Return on Assets (TTM) 2.07% | Return on Equity (TTM) 11.1% |
Valuation
Trailing PE 12.3 | Forward PE 11.48 | Enterprise Value 5.84B | Price to Sales(TTM) 5.34 |
Enterprise Value 5.84B | Price to Sales(TTM) 5.34 | ||
Enterprise Value to Revenue 5.85 | Enterprise Value to EBITDA - | Shares Outstanding 198.77M | Shares Floating 186.27M |
Shares Outstanding 198.77M | Shares Floating 186.27M | ||
Percent Insiders 6.38 | Percent Institutions 79.95 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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