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Upturn stock ratingUpturn stock rating
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Home BancShares Inc (HOMB)

Upturn stock ratingUpturn stock rating
$28.46
Last Close (24-hour delay)
upturn advisory
PASS
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
  • MONTH
  • WEEK

Upturn Advisory Summary

06/30/2025: HOMB (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

8 Analysts rated it

Moderately tracked stock, growing coverage, gaining market and investor attention.

1 Year Target Price $32

1 Year Target Price $32

Analysts Price Target For last 52 week
$32Target price
Low$22.61
Current$28.46
high$32.48

Analysis of Past Performance

Type Stock
Historic Profit -14.37%
Avg. Invested days 29
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 5.64B USD
Price to earnings Ratio 13.67
1Y Target Price 32
Price to earnings Ratio 13.67
1Y Target Price 32
Volume (30-day avg) 8
Beta 0.79
52 Weeks Range 22.61 - 32.48
Updated Date 06/30/2025
52 Weeks Range 22.61 - 32.48
Updated Date 06/30/2025
Dividends yield (FY) 2.80%
Basic EPS (TTM) 2.09

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date -
When -
Estimate -
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 13.67
Forward PE 12.47
Enterprise Value 5596754432
Price to Sales(TTM) 5.71
Enterprise Value 5596754432
Price to Sales(TTM) 5.71
Enterprise Value to Revenue 6.58
Enterprise Value to EBITDA -
Shares Outstanding 197464000
Shares Floating 182979942
Shares Outstanding 197464000
Shares Floating 182979942
Percent Insiders 6.13
Percent Institutions 72.96

Analyst Ratings

Rating 3
Target Price 32
Buy 1
Strong Buy 3
Buy 1
Strong Buy 3
Hold 4
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Home BancShares Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 2552

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.