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what it is
Home BancShares runs Centennial Bank. It takes deposits, makes loans, and buys smaller banks.
how it gets paid
Last year Home Bancshares made $1.3B in revenue. Net interest income was the main engine at $0.94B, or 72% of sales.
why growth slowed
Revenue fell 1.6% last year. The $955M revenue print mattered most because it was 195% above the prior-year quarter.
what just happened
The latest quarter put $955M of revenue on the board, while EPS → profit per share → hit $1.80.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
70/100 earnings predictability — reasonably predictable
12.0x trailing p/e — the market's not buying it — or you found a deal
3.2% dividend yield — cash in your pocket every quarter
$2.41 fy2025 eps est
xvary composite: 66/100 — average
What they do
Home BancShares runs Centennial Bank. It takes deposits, makes loans, and buys smaller banks.
Deposits → customer cash you can lend out → $19.2B. Loans → money customers owe you → $17.0B. That gap matters because cheap funding beats expensive funding. You do not need magic here. You need a bank that turns $19.2B of deposits into earning assets without paying up for cash.
How they make money
$1.3B
annual revenue · their business grew -1.6% last year
Net interest income
$0.94B
Service charges and fees
$0.18B
Mortgage banking and loan sales
$0.09B
Other noninterest income
$0.09B
The products that matter
core lending revenue
net interest income
$1.0B · 77% of revenue
this is the engine. it declined 2.1% last year, which matters because more than three quarters of revenue still comes from the loan-and-deposit spread.
main profit driver
loan book expansion
commercial & industrial loans
$400M recent loan growth
the bank added $400M in new loans in one quarter. that's the number that says management is still finding ways to grow even with revenue under pressure.
growth watch
fees and other banking income
non-interest income
$300M · 23% of revenue
this line grew 0.5% last year. it's helpful, but it's too small to offset a real slowdown in the $1.0B net interest engine.
supporting role
Key numbers
$1.3B
annual revenue
That is the whole top line. Every bank line has to fight for a piece of it.
12.0x
p/e
p/e → price compared with profit → you pay 12.0 times annual profit. That is cheap vs. hot banks, not cheap vs. trouble.
3.2%
dividend yield
dividend yield → cash return from the stock → you get paid 3.2% while you wait.
$25.0B
pro forma assets
Assets after the merger hit $25.0B. Bigger banks can spread costs, but regulators also pay closer attention.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 80 / 100
- long-term debt $1.0B (17% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for HOMB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The latest quarter put $955M of revenue on the board, while EPS → profit per share → hit $1.80.
Revenue was up 195% vs. prior year, and EPS was up 186% vs. prior year. That is a sharp jump for a bank, even before you factor in the merger backdrop.
$955M
revenue
$1.80
eps
n/a
n/a
the number that mattered
The $955M revenue print mattered most because it was 195% above the prior-year quarter.
source: company earnings report, 2026
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What could go wrong
the #1 risk is net interest income pressure at Centennial Bank. with 77% of revenue tied to spread income and that segment down 2.1%, this is the lever that matters most.
med
net interest margin compression
net interest income fell 2.1% to $1.0B. for a bank where 77% of revenue comes from spread income, that's the revenue engine slowing down in plain sight.
if that keeps sliding, the 44.5% margin stops looking durable.
med
loan growth may not fully offset softer spreads
the bank added $400M in new loans in one quarter. that's encouraging. it's also a reminder that volume has to work harder when pricing on the core book is under pressure.
more loans help, but they don't automatically fix weaker profitability on each loan.
low
acquisition-led growth adds execution risk
home bancshares has built part of its history by buying and integrating community banks. when that works, costs stay low. when it doesn't, the vaunted sub-40% efficiency ratio gets less vaunted.
integration mistakes would show up first in expenses, then in valuation.
if spread pressure keeps hitting the $1.0B net interest line, the smaller $300M fee business is not big enough to carry the whole bank on its back.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings date
q1 2026 earnings report
scheduled for march 13, 2026. the main question is simple: did net interest income stabilize, or is the revenue drag still there.
core metric
sub-40% efficiency ratio
this is management's calling card. if expenses drift up and the ratio loses its edge, the whole efficiency thesis gets thinner fast.
balance-sheet trend
loan growth after the $400M quarter
one strong quarter is nice. two or three would tell you growth is becoming a pattern rather than a headline.
credit view
KBRA positive outlook
the outlook revision matters because outside credit analysts are giving the bank the benefit of the doubt. if that changes, sentiment probably changes with it.
Analyst rankings
earnings predictability
70 / 100
in human-speak: analysts think the numbers are fairly dependable, but not dependable enough to rule out quarterly surprises.
risk rank
3
risk rank is a safety score. a 3 means this looks steadier than the market's wilder corners, not immune to banking-cycle headaches.
price stability
80 / 100
an 80 stability score means the stock usually behaves like a bank stock, not a biotech plot twist.
source: institutional data
Institutional activity
institutional ownership data for HOMB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$29
current price
n/a
target midpoint · n/a from current
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