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Upturn AI SWOT - About
HOMB 
Home BancShares Inc (HOMB)
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Upturn Advisory Summary
10/17/2025: HOMB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
8 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $33.25
1 Year Target Price $33.25
| 3 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -25.2% | Avg. Invested days 28 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/17/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.35B USD | Price to earnings Ratio 12.4 | 1Y Target Price 33.25 |
Price to earnings Ratio 12.4 | 1Y Target Price 33.25 | ||
Volume (30-day avg) 8 | Beta 0.77 | 52 Weeks Range 23.89 - 32.26 | Updated Date 10/19/2025 |
52 Weeks Range 23.89 - 32.26 | Updated Date 10/19/2025 | ||
Dividends yield (FY) 2.98% | Basic EPS (TTM) 2.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-15 | When After Market | Estimate 0.6 | Actual 0.61 |
Profitability
Profit Margin 44% | Operating Margin (TTM) 57.51% |
Management Effectiveness
Return on Assets (TTM) 2.01% | Return on Equity (TTM) 11.2% |
Valuation
Trailing PE 12.4 | Forward PE 11.43 | Enterprise Value 5516582400 | Price to Sales(TTM) 5.14 |
Enterprise Value 5516582400 | Price to Sales(TTM) 5.14 | ||
Enterprise Value to Revenue 6.3 | Enterprise Value to EBITDA - | Shares Outstanding 197078657 | Shares Floating 182569263 |
Shares Outstanding 197078657 | Shares Floating 182569263 | ||
Percent Insiders 6.07 | Percent Institutions 75.69 |
Upturn AI SWOT
Home BancShares Inc
Company Overview
History and Background
Home BancShares, Inc. was founded in 1998 in Conway, Arkansas. It has grown through organic expansion and strategic acquisitions, becoming a leading community bank holding company in the South.
Core Business Areas
- Community Banking: Provides a range of banking services, including deposit accounts, loans, and other financial products, to individuals and businesses.
- Mortgage Lending: Originates and services mortgage loans for residential properties.
- Wealth Management: Offers wealth management and trust services to individuals and families.
Leadership and Structure
John Allison serves as Chairman and CEO. The company has a traditional corporate structure with a board of directors overseeing executive management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. Market share data is difficult to specify as Home BancShares is a regional bank. Competitors include national and regional banks such as Bank of America (BAC) and Regions Financial (RF).
- Residential Mortgages: Loans for purchasing or refinancing residential properties. Market share data is difficult to specify as Home BancShares is a regional bank. Competitors include national mortgage lenders such as Rocket Mortgage and United Wholesale Mortgage (UWMC).
- Small Business Loans: Loans to support small businesses, including term loans and lines of credit. Market share data is difficult to specify as Home BancShares is a regional bank. Competitors include national and regional banks such as JPMorgan Chase (JPM) and Truist Financial (TFC).
Market Dynamics
Industry Overview
The banking industry is influenced by interest rates, economic growth, regulatory changes, and technological advancements. Consolidation is ongoing, with larger banks acquiring smaller ones.
Positioning
Home BancShares Inc. positions itself as a community-focused bank with strong customer relationships and a conservative lending approach. Their competitive advantage lies in their regional expertise and personalized service.
Total Addressable Market (TAM)
The TAM for banking services in the Southeastern US is in the hundreds of billions of dollars. Home BancShares Inc. captures a small but significant portion of this market.
Upturn SWOT Analysis
Strengths
- Strong regional presence in Arkansas, Florida, Alabama, and Texas
- Conservative lending practices
- Experienced management team
- Consistent profitability
- History of successful acquisitions
Weaknesses
- Concentration in the Southeastern US makes it vulnerable to regional economic downturns
- Smaller size compared to national banks limits its resources
- Reliance on traditional banking services might be challenged by fintech innovations
- Higher cost of funds versus large banks.
- Acquired company integrations can be difficult.
Opportunities
- Further expansion into adjacent markets
- Increased adoption of digital banking solutions
- Growing demand for wealth management services
- Acquisition of smaller community banks
- Capitalizing on disruption in larger banks to pick up customers.
Threats
- Rising interest rates could negatively impact loan demand
- Increased competition from fintech companies
- Regulatory changes could increase compliance costs
- Economic recession could lead to loan losses
- Cybersecurity threats.
Competitors and Market Share
Key Competitors
- RF
- FFWM
- TCBI
Competitive Landscape
Home BancShares Inc. competes with larger national and regional banks, as well as smaller community banks and credit unions. Its advantages include its regional expertise and personalized service, while its disadvantages include its smaller size and limited resources compared to larger competitors.
Major Acquisitions
Liberty Bancshares, Inc.
- Year: 2018
- Acquisition Price (USD millions): 281
- Strategic Rationale: Expanded Home BancShares' presence in Arkansas and provided access to new customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Home BancShares Inc. has experienced strong growth through acquisitions and organic expansion, particularly in the Southeastern US.
Future Projections: Analyst estimates suggest continued growth, driven by expansion into new markets and increased lending activity. This depends on the overall market.
Recent Initiatives: Recent strategic initiatives include investing in digital banking technology and expanding into new markets like Texas.
Summary
Home BancShares Inc. is a relatively strong regional bank focused on the Southeastern United States, with a history of profitable growth through acquisitions. Its conservative lending approach and regional expertise are key strengths. However, it faces challenges from larger competitors, fintech innovations, and regional economic fluctuations, requiring them to adapt and strategically navigate the market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share data is based on available estimates and may not be precise. Financial data and trends can change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Home BancShares Inc
Exchange NYSE | Headquaters Conway, AR, United States | ||
IPO Launch date 2006-06-23 | Co-Founder, Chairman & CEO Mr. John W. Allison | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2552 | Website https://www.homebancshares.com |
Full time employees 2552 | Website https://www.homebancshares.com | ||
Home Bancshares, Inc. (Conway, AR) 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 checking, savings, and money market accounts, as well as certificates of deposit. It also provides non-farm/non-residential real estate, construction/land development, residential mortgage, consumer, agricultural, and commercial and industrial loans. In addition, the company offers 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 writes policies for commercial and personal lines of business, including insurance for property, casualty, life, health, and employee benefits. The company operates through branches in Arkansas, Florida, South Alabama, Texas, and New York City. Home Bancshares, Inc. (Conway, AR) was founded in 1903 and is headquartered in Conway, Arkansas.
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