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Upturn AI SWOT - About
HOMB 
Home BancShares Inc (HOMB)
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Upturn Advisory Summary
08/28/2025: 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 $33.71
1 Year Target Price $33.71
| 3 | Strong Buy |
| 1 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -21.56% | 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 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.92B USD | Price to earnings Ratio 13.59 | 1Y Target Price 33.71 |
Price to earnings Ratio 13.59 | 1Y Target Price 33.71 | ||
Volume (30-day avg) 8 | Beta 0.77 | 52 Weeks Range 23.89 - 32.26 | Updated Date 08/28/2025 |
52 Weeks Range 23.89 - 32.26 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.61% | Basic EPS (TTM) 2.19 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 43.1% | Operating Margin (TTM) 57.74% |
Management Effectiveness
Return on Assets (TTM) 1.9% | Return on Equity (TTM) 10.94% |
Valuation
Trailing PE 13.59 | Forward PE 12.79 | Enterprise Value 5945322496 | Price to Sales(TTM) 5.88 |
Enterprise Value 5945322496 | Price to Sales(TTM) 5.88 | ||
Enterprise Value to Revenue 6.69 | Enterprise Value to EBITDA - | Shares Outstanding 197079008 | Shares Floating 182636733 |
Shares Outstanding 197079008 | Shares Floating 182636733 | ||
Percent Insiders 6.12 | Percent Institutions 73.07 |
Upturn AI SWOT
Home BancShares Inc
Company Overview
History and Background
Home BancShares, Inc. was founded in 1998 in Conway, Arkansas. Initially focused on serving small to medium-sized businesses and individuals, it has grown through organic expansion and strategic acquisitions, becoming a significant regional bank.
Core Business Areas
- Community Banking: Offers a range of commercial and retail banking services, including loans, deposit accounts, and treasury management.
- Mortgage Lending: Provides mortgage loans for residential properties.
- Wealth Management: Offers investment advisory and wealth management services.
Leadership and Structure
John Allison serves as Chairman. The company operates with a traditional banking structure, with regional presidents overseeing various markets.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, expansion, and other purposes. Market share information is difficult to pinpoint exactly, but Home BancShares focuses on specific geographic areas. Competitors include regional and national banks like Regions Financial (RF) and Bank of America (BAC).
- Residential Mortgages: Loans for purchasing or refinancing homes. Market share is subject to geographic location and also involves companies like Rocket Mortgage (RKT) and PennyMac Financial Services (PFSI).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Competitive landscape includes online banks and credit unions, such as Ally Financial (ALLY) and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and competition from non-traditional financial institutions. Economic uncertainty also plays a part.
Positioning
Home BancShares is positioned as a regional bank focused on community banking, providing personalized service and local expertise. This differentiates it from larger national banks.
Total Addressable Market (TAM)
The TAM for community banking in the Southeast US is estimated to be in the billions. Home BancShares is positioned to capture a significant portion of this market through its regional focus and strong customer relationships.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Solid credit quality
- Efficient operations
- Customer satisfaction
Weaknesses
- Geographic concentration
- Reliance on traditional banking model
- Limited international presence
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Increased demand for community banking services
- Acquisitions of smaller banks
- Technological advancements
- Growth in wealth management services
Threats
- Increased competition from national banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- RF
- FHN
- BXS
Competitive Landscape
Home BancShares' advantages include its strong regional presence, customer service, and efficient operations. Disadvantages include its smaller scale and geographic concentration.
Major Acquisitions
Stonegate Bank
- Year: 2017
- Acquisition Price (USD millions): 818
- Strategic Rationale: Expanded Home BancShares' presence in Florida.
Growth Trajectory and Initiatives
Historical Growth: Home BancShares has experienced significant growth in assets, deposits, and loans over the past decade, driven by organic expansion and acquisitions.
Future Projections: Analysts project continued growth for Home BancShares, driven by expansion into new markets and increased demand for banking services.
Recent Initiatives: Recent initiatives include investments in technology, expansion into new markets, and strategic acquisitions.
Summary
Home BancShares is a strong regional bank with a solid financial performance and experienced management. Its focus on community banking and efficient operations have contributed to its success. However, the company faces challenges from larger competitors and economic uncertainty, requiring careful management and strategic initiatives for continued growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC), Analyst Reports, Industry Publications
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice.
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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