Home BancShares (HOMB)
Market Price (2/7/2026): $30.605 | Market Cap: $6.0 BilSector: Financials | Industry: Regional Banks
Home BancShares (HOMB)
Market Price (2/7/2026): $30.605Market Cap: $6.0 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 2.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.1%, FCF Yield is 5.9% | Trading close to highsDist 52W High is 0.0%, Dist 3Y High is -2.0% | Key risksHOMB key risks include [1] challenges integrating frequent acquisitions and realizing expected benefits from its acquisition-driven growth strategy and [2] vulnerability to downturns from its concentrated loan portfolio in multifamily construction and marine lending. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -26% | Weak multi-year price returns2Y Excs Rtn is -0.4%, 3Y Excs Rtn is -30% | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34% | Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11% | |
| Low stock price volatilityVol 12M is 25% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 2.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.1%, FCF Yield is 5.9% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -26% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 34% |
| Low stock price volatilityVol 12M is 25% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Trading close to highsDist 52W High is 0.0%, Dist 3Y High is -2.0% |
| Weak multi-year price returns2Y Excs Rtn is -0.4%, 3Y Excs Rtn is -30% |
| Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11% |
| Key risksHOMB key risks include [1] challenges integrating frequent acquisitions and realizing expected benefits from its acquisition-driven growth strategy and [2] vulnerability to downturns from its concentrated loan portfolio in multifamily construction and marine lending. |
Qualitative Assessment
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Home BancShares (HOMB) stock has gained about 15% since 10/31/2025 because of the following key factors:
1. Strong Fourth Quarter and Full-Year 2025 Financial Performance.
Home BancShares reported exceptional financial results for the fourth quarter and the full year of 2025. The company announced a fourth-quarter profit of $118 million, marking an 18% increase over the fourth quarter of 2024. This strong performance was highlighted by $400 million in loan growth, a sub-40% efficiency ratio of 39.53%, and robust margins. For the entire year of 2025, Home BancShares achieved a net profit exceeding $475 million, an 18.2% increase from 2024, alongside a 2.05% return on assets (ROA) and record revenue of $1.090 billion. Earnings per share (EPS) for 2025 increased by 20% to $2.41.
2. Positive Analyst Sentiment and Price Target Revisions.
Following the strong earnings report, analyst sentiment improved, contributing to the stock's gain. For instance, Piper Sandler raised its price target for Home BancShares to $35 from $34 on January 16, 2026. Multiple Wall Street analysts maintained a "Moderate Buy" or "Buy" consensus rating for HOMB, with an average 12-month price target indicating a significant upside from its trading price.
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1. Strong Fourth Quarter and Full-Year 2025 Financial Performance.
Home BancShares reported exceptional financial results for the fourth quarter and the full year of 2025. The company announced a fourth-quarter profit of $118 million, marking an 18% increase over the fourth quarter of 2024. This strong performance was highlighted by $400 million in loan growth, a sub-40% efficiency ratio of 39.53%, and robust margins. For the entire year of 2025, Home BancShares achieved a net profit exceeding $475 million, an 18.2% increase from 2024, alongside a 2.05% return on assets (ROA) and record revenue of $1.090 billion. Earnings per share (EPS) for 2025 increased by 20% to $2.41.
2. Positive Analyst Sentiment and Price Target Revisions.
Following the strong earnings report, analyst sentiment improved, contributing to the stock's gain. For instance, Piper Sandler raised its price target for Home BancShares to $35 from $34 on January 16, 2026. Multiple Wall Street analysts maintained a "Moderate Buy" or "Buy" consensus rating for HOMB, with an average 12-month price target indicating a significant upside from its trading price.
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Stock Movement Drivers
Fundamental Drivers
The 15.4% change in HOMB stock from 10/31/2025 to 2/6/2026 was primarily driven by a 9.2% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2062026 | Change |
|---|---|---|---|
| Stock Price ($) | 26.51 | 30.59 | 15.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,033 | 1,054 | 2.1% |
| Net Income Margin (%) | 42.0% | 43.4% | 3.3% |
| P/E Multiple | 12.1 | 13.2 | 9.2% |
| Shares Outstanding (Mil) | 198 | 197 | 0.2% |
| Cumulative Contribution | 15.4% |
Market Drivers
10/31/2025 to 2/6/2026| Return | Correlation | |
|---|---|---|
| HOMB | 15.4% | |
| Market (SPY) | 1.3% | 30.2% |
| Sector (XLF) | 3.6% | 56.0% |
Fundamental Drivers
The 10.2% change in HOMB stock from 7/31/2025 to 2/6/2026 was primarily driven by a 5.6% change in the company's Net Income Margin (%).| (LTM values as of) | 7312025 | 2062026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.75 | 30.59 | 10.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,015 | 1,054 | 3.9% |
| Net Income Margin (%) | 41.1% | 43.4% | 5.6% |
| P/E Multiple | 13.2 | 13.2 | -0.3% |
| Shares Outstanding (Mil) | 199 | 197 | 0.8% |
| Cumulative Contribution | 10.2% |
Market Drivers
7/31/2025 to 2/6/2026| Return | Correlation | |
|---|---|---|
| HOMB | 10.2% | |
| Market (SPY) | 9.6% | 39.3% |
| Sector (XLF) | 3.9% | 61.6% |
Fundamental Drivers
The 4.2% change in HOMB stock from 1/31/2025 to 2/6/2026 was primarily driven by a 10.5% change in the company's Net Income Margin (%).| (LTM values as of) | 1312025 | 2062026 | Change |
|---|---|---|---|
| Stock Price ($) | 29.37 | 30.59 | 4.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 987 | 1,054 | 6.8% |
| Net Income Margin (%) | 39.3% | 43.4% | 10.5% |
| P/E Multiple | 15.1 | 13.2 | -12.7% |
| Shares Outstanding (Mil) | 199 | 197 | 1.2% |
| Cumulative Contribution | 4.2% |
Market Drivers
1/31/2025 to 2/6/2026| Return | Correlation | |
|---|---|---|
| HOMB | 4.2% | |
| Market (SPY) | 15.8% | 61.8% |
| Sector (XLF) | 6.5% | 71.0% |
Fundamental Drivers
The 40.1% change in HOMB stock from 1/31/2023 to 2/6/2026 was primarily driven by a 35.2% change in the company's Net Income Margin (%).| (LTM values as of) | 1312023 | 2062026 | Change |
|---|---|---|---|
| Stock Price ($) | 21.84 | 30.59 | 40.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 819 | 1,054 | 28.7% |
| Net Income Margin (%) | 32.1% | 43.4% | 35.2% |
| P/E Multiple | 17.0 | 13.2 | -22.6% |
| Shares Outstanding (Mil) | 205 | 197 | 3.9% |
| Cumulative Contribution | 40.1% |
Market Drivers
1/31/2023 to 2/6/2026| Return | Correlation | |
|---|---|---|
| HOMB | 40.1% | |
| Market (SPY) | 76.2% | 52.9% |
| Sector (XLF) | 55.2% | 69.9% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| HOMB Return | 28% | -4% | 15% | 15% | 1% | 8% | 78% |
| Peers Return | 18% | -30% | 30% | 1% | 22% | 7% | 43% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -1% | 81% |
Monthly Win Rates [3] | |||||||
| HOMB Win Rate | 75% | 50% | 58% | 58% | 42% | 100% | |
| Peers Win Rate | 33% | 47% | 58% | 44% | 80% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| HOMB Max Drawdown | 0% | -16% | -12% | -11% | -11% | 0% | |
| Peers Max Drawdown | -8% | -38% | -27% | -17% | -7% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, CBC, HYNE, NU.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/6/2026 (YTD)
How Low Can It Go
| Event | HOMB | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -29.1% | -25.4% |
| % Gain to Breakeven | 41.1% | 34.1% |
| Time to Breakeven | 807 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -50.1% | -33.9% |
| % Gain to Breakeven | 100.5% | 51.3% |
| Time to Breakeven | 289 days | 148 days |
| 2018 Correction | ||
| % Loss | -47.2% | -19.8% |
| % Gain to Breakeven | 89.5% | 24.7% |
| Time to Breakeven | 2,144 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -52.9% | -56.8% |
| % Gain to Breakeven | 112.2% | 131.3% |
| Time to Breakeven | 1,212 days | 1,480 days |
Compare to NEWT, ATLO, CBC, HYNE, NU
In The Past
Home BancShares's stock fell -29.1% during the 2022 Inflation Shock from a high on 5/7/2021. A -29.1% loss requires a 41.1% gain to breakeven.
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About Home BancShares (HOMB)
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. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company's loan portfolio comprises non-farm/non-residential real estate, construction/land development, residential mortgage, consumer, agricultural, and commercial and industrial loans. It also provides internet banking, mobile banking and 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. In addition, the company writes policies for commercial and personal lines of business, including insurance for property, casualty, life, health, and employee benefits. As of December 31, 2021, it operated through 160 branch locations that included 76 branches in Arkansas, 78 branches in Florida, 5 branches in Alabama, and 1 branch in New York City. Home Bancshares, Inc. (Conway, AR) was founded in 1998 and is headquartered in Conway, Arkansas.
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Here are 1-2 brief analogies for Home BancShares (HOMB):
- A regional bank operating in the Southeast, similar to a smaller-scale PNC.
- A community-focused bank in the Southeastern US, much like a smaller version of Truist.
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- Deposit Accounts: Offers various checking, savings, money market, and certificate of deposit accounts for individuals and businesses to securely store and manage their funds.
- Real Estate Loans: Provides financing for commercial and residential properties, including mortgages for homes and loans for commercial development or acquisition.
- Commercial & Industrial Loans: Extends credit lines and term loans to businesses for operational needs, expansion, equipment purchases, and working capital.
- Consumer Loans: Offers personal loans, auto loans, and other credit facilities to individuals for various personal financing needs.
- Wealth Management & Trust Services: Provides financial planning, investment management, and trust administration services to help clients manage and grow their assets.
- Treasury Management Services: Delivers a suite of cash management solutions, including fraud protection, automated clearing house (ACH) services, and remote deposit capture, to businesses.
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Home BancShares (HOMB) is a bank holding company for HomeTrust Bank. As a financial institution, it primarily serves a broad base of individual and business customers rather than a few major corporate clients. Therefore, it falls under the category of a company selling primarily to individuals and businesses, which can be grouped into the following categories:
- Individual Consumers: This category includes individuals and families who utilize a range of retail banking services, such as checking and savings accounts, mortgages, home equity loans, personal loans, and other consumer lending products.
- Small to Medium-Sized Businesses: Home BancShares provides commercial banking services to local and regional businesses. This includes commercial loans, lines of credit, treasury management services, business checking and savings accounts, and other solutions tailored for business operations.
- Commercial Real Estate Investors and Developers: The bank serves clients involved in commercial real estate, offering financing for the acquisition, development, and refinancing of various property types, including multi-family, retail, office, and industrial properties.
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Major Suppliers for Home BancShares (HOMB):
- Fiserv, Inc. (FI)
- Visa, Inc. (V)
- Mastercard Incorporated (MA)
- Intercontinental Exchange, Inc. (ICE)
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John W. Allison, Executive Chairman and Chief Executive Officer
John W. Allison founded Home BancShares in 1998, leading an investor group to establish First State Bank in Conway, Arkansas, in 1999, and subsequently acquiring and integrating other banks such as Community Bank, Bank of Mountain View, and Centennial Bank. He was also involved in the formation of Twin City Bank and Marine Bank, which were later acquired by Home BancShares. Allison previously owned a mobile home business and served as Chairman of First National Bank of Conway and as a Director for First Commercial Corporation.
Brian S. Davis, Treasurer & Chief Financial Officer
Brian S. Davis has served as Chief Financial Officer, Treasurer, and Director of Home BancShares and its subsidiary Centennial Bank since 2015. Prior to this, he was the Chief Accounting Officer from 2010 to 2015 and Investor Relations Officer from 2006 to 2015. Davis has been an integral part of the management team during significant company events, including its initial public offering in 2006 and 17 of its 18 acquisitions up to 2015. His previous experience includes roles at DeepBridge Content Solutions LLC, SF Real Estate Holdings, Inc., Simmons First National Corp., and Worthen Banking Corp.
Kevin D. Hester, President & Chief Lending Officer
Kevin D. Hester was named President of Home BancShares and President of Centennial Bank in May 2024, in addition to his role as Chief Lending Officer. He has served as the company's senior lender since Home BancShares began 25 years ago. Hester joined Centennial Bank (formerly First State Bank) in 1998 as Executive Vice President of Lending and became Chief Lending Officer of Centennial Bank in 2010. He has over 35 years of banking experience and also previously served as Executive Vice President of Lending at First Commercial Corporation.
Stephen Tipton, Chief Executive Officer, Centennial Bank
Stephen Tipton assumed the position of Chief Executive Officer of Centennial Bank in May 2024. He previously served as Chief Operating Officer of Centennial Bank since 2015. Tipton began his banking career in 2005 and joined Centennial Bank in 2006. His prior roles at Centennial Bank include Regional Vice President, Director of Credit Risk Management, and Commercial Lender, gaining experience in retail, business development, lending, and acquisitions.
Tracy M. French, Chairman, Centennial Bank
Tracy M. French remains Chairman of Centennial Bank, focusing on special projects, having previously served as President and Chief Executive Officer of Centennial Bank since January 2015. He has over 34 years of banking experience. Prior to his roles at Centennial Bank, French served as President and Chief Executive Officer of Community Bank from 2002 to 2009. He joined Home BancShares when Community Bank was acquired. Mr. French is expected to retire from his director roles at Home BancShares and Chairman of Centennial Bank in April 2025, transitioning to an advisory role.
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The key risks to Home BancShares' business include:
- Exposure to broader banking industry turmoil and interest rate sensitivity: The company's stock has been under pressure due to "historic turmoil in the banking industry" and "soaring interest rates". Despite its reported stability, Home BancShares faces volatility due to these industry-wide concerns, including potential economic slowdowns and heightened regulatory scrutiny.
- Risks associated with acquisition-driven growth strategy: Home BancShares frequently expands through strategic bank acquisitions. This strategy carries inherent "integration risks" and the potential that "expected cost savings and other benefits from future acquisitions may not be fully realized or may take longer to realize than expected". Additionally, acquisitions can lead to a "diversion of management time on acquisition-related issues".
- Concentrated loan portfolio risks: The company has engaged in "concentrated loan growth in certain segments such as multifamily construction and marine lending," which could "expose earnings to downturns in those specific markets". This concentration increases vulnerability to adverse conditions within these particular sectors.
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The rise of digital-first neobanks and challenger banks that offer streamlined, low-cost, and highly convenient banking experiences, attracting customers away from traditional regional banks, particularly among younger and tech-savvy demographics.
The increasing market penetration of fintech lending platforms and Buy Now Pay Later (BNPL) services that offer alternative credit solutions, directly competing with Home BancShares' traditional consumer and small business loan products by providing faster approval processes and different underwriting models.
The expansion of large technology companies ("Big Tech") into financial services, leveraging their massive user bases and data to offer payment solutions, credit products, and potentially even banking-like services, thereby disrupting customer relationships and deposit acquisition for traditional banks.
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Home BancShares (HOMB) operates as a bank holding company primarily through its subsidiary, Centennial Bank, offering a broad range of commercial and retail banking and related financial services. The company's main products and services include commercial and retail banking, various types of loans (real estate, construction, residential mortgage, consumer, agricultural, and commercial and industrial), and deposit accounts such as checking, savings, and money market accounts, as well as certificates of deposit. Home BancShares also provides digital banking services, cash management, and, to a lesser extent, insurance policies. The company's loan portfolio is notably concentrated in commercial real estate loans, typically comprising between half and two-thirds of its total loan portfolio. HOMB's operations are primarily within the United States, with branch locations in Arkansas, Florida, South Alabama, Texas, and New York City. The addressable markets for Home BancShares' main products and services in the U.S. are as follows:- Community Banking Market (U.S.): The U.S. community banking market was valued at approximately USD 6.35 billion in 2024. This market is projected to grow to USD 19.39 billion in 2025 with a compound annual growth rate (CAGR) of 9.0%, and further to USD 26.98 billion by 2029 with an 8.6% CAGR. North America, where the U.S. is the largest contributor, held a dominant position in the global community banking market in 2024, accounting for over 40% of the share and generating USD 6.68 billion in revenue. Another estimate indicates the North American community banking market holds approximately 60% of the global market share.
- Real Estate Loan Market (U.S.): The U.S. Real Estate Loan Market reached an estimated valuation of USD 3.5 trillion in 2024, with a projected CAGR of 10.6%. North America dominated the global real estate loan market in 2024, capturing over 33.2% of the total market share and generating USD 3.78 trillion in revenue.
- Commercial Real Estate (CRE) Lending (U.S.): Total commercial real estate mortgage borrowing and lending in the U.S. was estimated at USD 498 billion in 2024. The broader CRE mortgage market for income-producing properties is roughly USD 4.5 trillion. Total commercial and multifamily mortgage debt outstanding in the U.S. increased to USD 4.79 trillion in Q4 2024. Commercial and multifamily loan originations are expected to increase by 16% to USD 583 billion in 2025.
- Consumer Lending Market (Global and U.S. contribution): The global consumer lending market was valued at USD 27 trillion and is growing. More specifically, it was valued at USD 1240.43 billion in 2025 and is projected to reach USD 2157.11 billion by 2035, growing at a CAGR of 5.69%. North America holds a 35% share of the global consumer lending market. The consumer credit industry in North America held a significant share of 37% in 2022.
- Overall Loan Market (U.S.): The total United States Loan Market was valued at USD 1.12 trillion in 2024 and is expected to reach USD 1.87 trillion by 2030, with a CAGR of 16.23%.
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Home BancShares (HOMB) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Strategic Mergers and Acquisitions: The company's Chairman and CEO, John Allison, has explicitly stated a readiness to pursue significant or multiple smaller acquisitions to fuel growth. He set a target of $500 million in income for 2026, noting that this is achievable with "a couple of acquisitions and a little growth." Home BancShares has already signed a letter of intent for a substantial acquisition.
- Net Interest Margin (NIM) Expansion: Sustained expansion of the net interest margin is a significant driver. In the third quarter of 2025, HOMB's reported net interest margin improved to 4.56%, an increase of 12 basis points from the previous quarter and 28 basis points year-over-year. This expansion has been supported by an increase in the yield on loans and a decrease in the rate on interest-bearing deposits. Analysts project the net interest margin to reach 4.5%.
- Organic and Commercial Finance Loan Growth: Home BancShares is experiencing robust loan growth, both organically and through its Centennial Commercial Finance Group (CCFG). The company reported a $105.3 million increase in loans in Q3 2025, with organic loan growth from its community banking footprint totaling $164.8 million. The CCFG also contributed to portfolio growth, with approximately $122 million in new commitments during Q2 2025.
- Expansion in Key Markets (Texas and Florida): The company's strategic focus on expanding its presence in high-growth markets, particularly Texas and Florida, is contributing to strong loan production. Home BancShares recently opened a new branch in San Antonio and plans further expansion in Texas, leveraging its existing significant branch network in these states.
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Share Repurchases
- In January 2025, Home BancShares' Board of Directors authorized an increase of 6,755,507 shares available for repurchase, bringing the total authorization under its stock repurchase program to 20,000,000 shares.
- During the third quarter of 2025, the company repurchased 350,000 shares of common stock for approximately $10.18 million.
- In the first and second quarters of 2025, Home BancShares repurchased 1 million shares in each quarter, totaling 2 million shares for the first half of the year.
Share Issuance
- In connection with the acquisition of Happy Bancshares and Happy State Bank in 2022, Home BancShares issued approximately 42,230,676 shares of its common stock to the shareholders of Happy Bancshares, Inc. This issuance resulted in existing Home BancShares shareholders owning approximately 79.5% and former Happy shareholders owning about 20.5% of the outstanding common stock of Home BancShares following the merger.
Outbound Investments
- In 2022, Home BancShares expanded its operations into Texas through the acquisition of Happy Bancshares and Happy State Bank, adding approximately $6.69 billion in assets. Strategic acquisitions are a key part of Home BancShares' growth strategy.
Capital Expenditures
- In the third quarter of 2025, Home BancShares opened a new branch in San Antonio, Texas, with further expansion planned in the state.
- The company's strategy involves both organic growth and acquisitions, indicating ongoing investment in its branch network and operational infrastructure.
- Total loans reached a record of $15.29 billion as of September 30, 2025, reflecting continuous investment in lending activities.
Latest Trefis Analyses
| Title | |
|---|---|
| ARTICLES |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 20.82 |
| Mkt Cap | 3.2 |
| Rev LTM | 269 |
| Op Inc LTM | - |
| FCF LTM | 19 |
| FCF 3Y Avg | 208 |
| CFO LTM | 20 |
| CFO 3Y Avg | 225 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 19.9% |
| Rev Chg 3Y Avg | 20.4% |
| Rev Chg Q | 22.9% |
| QoQ Delta Rev Chg LTM | 5.2% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.5% |
| CFO/Rev 3Y Avg | 26.4% |
| FCF/Rev LTM | 30.8% |
| FCF/Rev 3Y Avg | 22.9% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 3.2 |
| P/S | 4.8 |
| P/EBIT | - |
| P/E | 14.3 |
| P/CFO | 14.1 |
| Total Yield | 9.8% |
| Dividend Yield | 1.3% |
| FCF Yield 3Y Avg | 5.1% |
| D/E | 0.1 |
| Net D/E | -0.3 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 4.6% |
| 3M Rtn | 10.5% |
| 6M Rtn | 17.9% |
| 12M Rtn | 9.6% |
| 3Y Rtn | 18.3% |
| 1M Excs Rtn | 4.4% |
| 3M Excs Rtn | 8.2% |
| 6M Excs Rtn | 10.4% |
| 12M Excs Rtn | -4.1% |
| 3Y Excs Rtn | -49.3% |
Price Behavior
Price Behavior
| Market Price | $30.59 | |
| Market Cap ($ Bil) | 6.0 | |
| First Trading Date | 06/23/2006 | |
| Distance from 52W High | 0.0% | |
| 50 Days | 200 Days | |
| DMA Price | $28.61 | $28.20 |
| DMA Trend | up | up |
| Distance from DMA | 6.9% | 8.5% |
| 3M | 1YR | |
| Volatility | 21.7% | 25.5% |
| Downside Capture | 7.72 | 76.07 |
| Upside Capture | 63.34 | 66.07 |
| Correlation (SPY) | 27.3% | 61.5% |
HOMB Betas & Captures as of 1/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.83 | 0.59 | 0.59 | 0.82 | 0.83 | 0.97 |
| Up Beta | 3.76 | 2.78 | 1.16 | 1.65 | 0.80 | 1.01 |
| Down Beta | 0.87 | 0.30 | 0.47 | 0.91 | 0.96 | 0.94 |
| Up Capture | 44% | 39% | 74% | 47% | 57% | 76% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 11 | 21 | 32 | 61 | 121 | 369 |
| Down Capture | -46% | 22% | 29% | 54% | 88% | 100% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 9 | 20 | 29 | 63 | 127 | 374 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HOMB | |
|---|---|---|---|---|
| HOMB | 1.8% | 25.5% | 0.03 | - |
| Sector ETF (XLF) | 6.1% | 19.2% | 0.18 | 71.2% |
| Equity (SPY) | 15.4% | 19.4% | 0.61 | 61.7% |
| Gold (GLD) | 73.9% | 24.8% | 2.19 | -3.9% |
| Commodities (DBC) | 8.9% | 16.6% | 0.34 | 20.3% |
| Real Estate (VNQ) | 4.6% | 16.5% | 0.10 | 58.8% |
| Bitcoin (BTCUSD) | -33.5% | 42.9% | -0.83 | 19.0% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HOMB | |
|---|---|---|---|---|
| HOMB | 10.4% | 28.6% | 0.37 | - |
| Sector ETF (XLF) | 15.0% | 18.7% | 0.66 | 72.4% |
| Equity (SPY) | 14.4% | 17.0% | 0.68 | 55.7% |
| Gold (GLD) | 21.4% | 16.9% | 1.03 | -1.1% |
| Commodities (DBC) | 11.5% | 18.9% | 0.49 | 12.9% |
| Real Estate (VNQ) | 5.0% | 18.8% | 0.17 | 52.1% |
| Bitcoin (BTCUSD) | 13.9% | 57.8% | 0.46 | 20.1% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HOMB | |
|---|---|---|---|---|
| HOMB | 7.4% | 34.6% | 0.30 | - |
| Sector ETF (XLF) | 14.0% | 22.2% | 0.58 | 78.4% |
| Equity (SPY) | 15.4% | 17.9% | 0.74 | 61.1% |
| Gold (GLD) | 15.7% | 15.5% | 0.84 | -8.3% |
| Commodities (DBC) | 8.0% | 17.6% | 0.37 | 20.4% |
| Real Estate (VNQ) | 6.0% | 20.7% | 0.25 | 53.7% |
| Bitcoin (BTCUSD) | 67.1% | 66.6% | 1.07 | 13.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/14/2026 | 0.9% | ||
| 10/15/2025 | -3.4% | -1.5% | -0.3% |
| 7/16/2025 | 2.1% | 3.4% | 1.8% |
| 4/16/2025 | 1.8% | 7.1% | 13.6% |
| 1/15/2025 | 1.1% | 3.2% | 3.6% |
| 10/11/2024 | 2.7% | 2.8% | 13.7% |
| 7/17/2024 | -0.5% | 3.3% | -1.6% |
| 4/18/2024 | 3.5% | 10.6% | 10.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 12 | 16 |
| # Negative | 13 | 12 | 8 |
| Median Positive | 1.7% | 3.3% | 7.2% |
| Median Negative | -1.2% | -4.0% | -4.0% |
| Max Positive | 3.6% | 10.6% | 13.9% |
| Max Negative | -5.3% | -6.2% | -11.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/05/2025 | 10-Q |
| 12/31/2024 | 02/27/2025 | 10-K |
| 09/30/2024 | 11/01/2024 | 10-Q |
| 06/30/2024 | 08/02/2024 | 10-Q |
| 03/31/2024 | 05/03/2024 | 10-Q |
| 12/31/2023 | 02/26/2024 | 10-K |
| 09/30/2023 | 11/06/2023 | 10-Q |
| 06/30/2023 | 08/04/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
| 03/31/2022 | 05/09/2022 | 10-Q |
| 12/31/2021 | 02/24/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Allison, John W | Chairman & CEO | Direct | Sell | 8272025 | 30.02 | 110,000 | 3,302,200 | 166,334,096 | Form |
| 2 | Tipton, John Stephen | Centennial Bank CEO | Direct | Sell | 6202025 | 27.52 | 24,159 | 664,856 | 1,467,036 | Form |
| 3 | Hester, Kevin | President and CLO | 401(k) | Sell | 5132025 | 29.71 | 6,345 | Form | ||
| 4 | Hester, Kevin | President and CLO | IRA | Sell | 5122025 | 28.67 | 7,128 | Form | ||
| 5 | Floyd, Jennifer C | Chief Accounting Officer | Direct | Sell | 4232025 | 27.45 | 2,500 | 68,625 | 118,062 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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