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HOMB

Home Bancshares, Inc.

HOMB

Home Bancshares, Inc. • NYSE
$28.06 ▼ -0.43% (-0.12)
Market Cap $5.52 B
52w High $31.92
52w Low $24.22
Dividend Yield 0.81%
P/E 12.2
Volume 452.03K
Outstanding Shares 196.55M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $279.671M ▼ $125.328M ▲ $123.604M ▲ 44.196% ▲ $0.63 ▲ $150.837M ▼
Q2-2025 $365.767M ▲ $111.613M ▲ $118.403M ▲ 32.371% ▼ $0.6 ▲ $159.119M ▲
Q1-2025 $354.795M ▼ $109.755M ▲ $115.209M ▲ 32.472% ▲ $0.58 ▲ $154.344M ▲
Q4-2024 $360.332M ▼ $108.606M ▲ $100.564M ▲ 27.909% ▲ $0.5 $136.658M ▲
Q3-2024 $372.051M $106.142M $100.038M 26.888% $0.5 $136.364M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $2.393B ▼ $22.708B ▼ $18.493B ▼ $4.215B ▲
Q2-2025 $2.711B ▼ $22.907B ▼ $18.822B ▼ $4.085B ▲
Q1-2025 $4.299B ▲ $22.992B ▲ $18.95B ▲ $4.043B ▲
Q4-2024 $2.65B ▼ $22.491B ▼ $18.53B ▼ $3.961B ▲
Q3-2024 $4.288B $22.823B $18.863B $3.96B

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $123.604M ▲ $115.164M ▲ $-52.291M ▲ $-363.026M ▼ $-300.153M ▼ $112.249M ▲
Q2-2025 $118.403M ▲ $78.398M ▼ $-82.514M ▼ $-190.541M ▼ $-194.657M ▼ $70.4M ▼
Q1-2025 $115.209M ▲ $117.014M ▲ $-57.579M ▼ $325.948M ▲ $385.383M ▲ $110.13M ▲
Q4-2024 $100.564M ▲ $75.106M ▼ $134.629M ▲ $-317.065M ▼ $-107.33M ▼ $60.852M ▼
Q3-2024 $100.038M $128.616M $104.502M $-274.157M $-41.039M $116.241M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Deposit Account
Deposit Account
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Financial Service Other
Financial Service Other
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲

Five-Year Company Overview

Income Statement

Income Statement Home Bancshares shows a clear pattern of steady growth in revenue and profit over the past five years, with only minor bumps along the way. Profit margins have stayed healthy, suggesting disciplined lending, good pricing, and tight cost control. Earnings have benefited from the higher interest-rate environment in recent years, which has helped spread income. The business looks like a solid, traditional bank income engine rather than a volatile, boom‑and‑bust story, though profits would be sensitive to changes in credit quality and interest rates over time.

Balance Sheet

Balance Sheet The balance sheet looks generally solid and conservatively built. Assets grew quickly earlier in the period and then leveled off, indicating a shift from rapid expansion to more measured growth. Equity has been building steadily, which strengthens the capital base and provides a bigger cushion against potential loan losses or economic shocks. Debt appears manageable relative to the size of the bank, and cash levels are lower than the pandemic-era peak but still consistent with a fully invested, lending-focused regional bank. The main unknowns are the detailed mix and risk profile of the loan book and securities portfolio, which drive how resilient this balance sheet would be in a severe downturn.

Cash Flow

Cash Flow Cash generation from the core banking business has been consistently positive and has grown over time, broadly tracking the rise in earnings. Free cash flow has remained positive even after funding the bank’s relatively modest investment and technology needs. This pattern suggests that the business model is cash-rich and not capital‑hungry, giving management room to support dividends, buybacks, and acquisitions when conditions allow. As with most banks, these cash flows depend heavily on credit conditions and funding costs, so they are stable in normal times but could tighten if loan losses or deposit pressures increase.

Competitive Edge

Competitive Edge Home Bancshares occupies a strong niche as a disciplined regional bank with a community-banking culture and a proven acquisition playbook. Its edge comes from local relationship banking in the South, combined with specialized national lending platforms in areas like marine finance and commercial real estate. This gives it both hometown credibility and access to higher-value, more specialized business lines that many smaller banks lack. At the same time, it competes in a crowded field against large national banks, other acquisitive regionals, and digital players, and it remains exposed to cycles in commercial lending and real estate markets where it is active.

Innovation and R&D

Innovation and R&D The company is not a technology disruptor, but it is innovative in how it builds and scales niche lending franchises through acquisitions. Its digital banking tools are broadly in line with industry standards—good enough for most customers but not a unique selling point. The real “R&D” shows up in its deal-making, integration skills, and development of specialized lending units like Shore Premier Finance and the commercial finance group. This strategy can be powerful but also means future differentiation depends more on continuing to find and integrate attractive businesses than on breakthrough technology or proprietary platforms.

Summary

Overall, Home Bancshares looks like a well-run, traditional regional bank that has used disciplined acquisitions and niche lending to steadily grow earnings, cash flow, and capital. Its financial profile reflects strong profitability, conservative balance sheet management, and reliable cash generation rather than aggressive risk-taking. The bank’s main strengths are its community-banking culture, credit discipline, and specialized national lending franchises that diversify it beyond its local footprint. On the other hand, it remains tied to the health of commercial lending and real estate cycles, to funding costs in a changing interest-rate environment, and to the continued success of its acquisition-driven growth model. The picture is of a mature, profitable regional bank with clear strategic focus, meaningful but not flashy innovation, and the usual set of banking-cycle risks to monitor.

NEWS

November 17, 2025 · 2:35 PM UTC

Home BancShares, Inc. to Participate in Fireside Chat at Stephens Annual Investment Conference

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October 22, 2025 · 5:15 PM UTC

Home BancShares, Inc. Announces Increase in Quarterly Cash Dividend

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October 15, 2025 · 5:15 PM UTC

Strength is Still the Story at HOMB with Another Record Breaking Quarter

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September 15, 2025 · 5:15 PM UTC

Home BancShares, Inc. Announces Third Quarter Earnings Release Date and Conference Call

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