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Upturn AI SWOT - About
HOMB 
Home BancShares Inc (HOMB)
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Upturn Advisory Summary
07/10/2025: HOMB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $32
1 Year Target Price $32
| 3 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -14.54% | Avg. Invested days 26 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.87B USD | Price to earnings Ratio 14.2 | 1Y Target Price 32 |
Price to earnings Ratio 14.2 | 1Y Target Price 32 | ||
Volume (30-day avg) 8 | Beta 0.79 | 52 Weeks Range 24.06 - 32.48 | Updated Date 07/10/2025 |
52 Weeks Range 24.06 - 32.48 | Updated Date 07/10/2025 | ||
Dividends yield (FY) 2.81% | Basic EPS (TTM) 2.09 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-07-16 | When After Market | Estimate 0.57 | Actual - |
Profitability
Profit Margin 42.28% | Operating Margin (TTM) 56.58% |
Management Effectiveness
Return on Assets (TTM) 1.82% | Return on Equity (TTM) 10.63% |
Valuation
Trailing PE 14.2 | Forward PE 13.02 | Enterprise Value 5577008128 | Price to Sales(TTM) 5.95 |
Enterprise Value 5577008128 | Price to Sales(TTM) 5.95 | ||
Enterprise Value to Revenue 6.8 | Enterprise Value to EBITDA - | Shares Outstanding 197464000 | Shares Floating 182979942 |
Shares Outstanding 197464000 | Shares Floating 182979942 | ||
Percent Insiders 6.13 | Percent Institutions 72.94 |
Upturn AI SWOT
Home BancShares Inc
Company Overview
History and Background
Home BancShares, Inc. was founded in 1998 in Conway, Arkansas. It began as a single bank and has grown through organic expansion and strategic acquisitions, focusing primarily on the Southeastern United States.
Core Business Areas
- Community Banking: Provides a range of financial services, including deposit accounts, loans, and other related services, to individuals and businesses within its operating regions.
- Mortgage Lending: Offers mortgage loan products to customers for home purchases and refinancing.
- Wealth Management: Provides wealth management services, including investment advisory and trust services.
Leadership and Structure
The leadership team includes John Allison (Chairman), Donna Townsell (President), and Kevin McGimsey (CFO). The organizational structure is typical of a regional bank holding company, with various divisions focused on specific business lines and geographic regions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment purchases, and real estate development. Competitors include other regional and national banks like Regions Financial (RF) and Bank of America (BAC).
- Residential Mortgages: Loans to individuals for purchasing or refinancing homes. Market share data is fragmented across numerous lenders. Competitors include national lenders like Rocket Mortgage and local community banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Attracts customers based on convenience and competitive interest rates. Competitors include national and online banks.
Market Dynamics
Industry Overview
The banking industry is currently facing a challenging environment with rising interest rates, increased regulatory scrutiny, and heightened competition. The industry is also seeing increased adoption of digital banking technologies.
Positioning
Home BancShares Inc. positions itself as a strong regional bank with a focus on community banking and relationship-based lending. Its competitive advantages include its experienced management team and its strong presence in its key markets.
Total Addressable Market (TAM)
The TAM for community banking in the Southeastern US is estimated to be in the hundreds of billions of dollars. Home BancShares Inc. is positioned to capture a share of this market through its organic growth and acquisition strategies.
Upturn SWOT Analysis
Strengths
- Strong management team
- Experienced management team
- Strong presence in key markets
- Consistent profitability
- Solid credit quality
Weaknesses
- Geographic concentration in the Southeastern US
- Reliance on traditional banking services
- Potential for increased competition from larger banks
- Sensitivity to interest rate fluctuations
Opportunities
- Further expansion through acquisitions
- Growth in digital banking services
- Increased demand for wealth management services
- Expansion into new markets
Threats
- Economic downturn
- Rising interest rates
- Increased regulatory scrutiny
- Cybersecurity threats
- Increased competition from fintech companies
Competitors and Market Share
Key Competitors
- RF
- BXS
- FHN
Competitive Landscape
Home BancShares Inc. competes with other regional and national banks based on factors such as interest rates, fees, and customer service. Its advantages include its strong presence in its key markets and its focus on community banking.
Major Acquisitions
Liberty Bancshares, Inc.
- Year: 2018
- Acquisition Price (USD millions): 277.8
- Strategic Rationale: Expanded Home BancShares' presence in Arkansas and enhanced its market share.
Growth Trajectory and Initiatives
Historical Growth: Home BancShares Inc. has grown through organic expansion and strategic acquisitions.
Future Projections: Analyst estimates project continued growth in earnings and assets, although these are subject to economic conditions and competitive pressures.
Recent Initiatives: Recent initiatives include investments in digital banking technology and branch expansions in key markets.
Summary
Home BancShares Inc. is a well-managed regional bank with a strong track record of growth and profitability. Its focus on community banking and strategic acquisitions has allowed it to build a significant presence in the Southeastern United States. The company faces challenges from rising interest rates and increased competition but is well-positioned to capitalize on opportunities in the growing Southeast market. Recent initiatives such as technology investments also appear to be in alignment with market trends.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Market Research Reports
- Analyst Reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research and consultation with a financial advisor.
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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