HOME BANCSHARES INC HOMB
Home BancShares, Inc. ("Home BancShares," "we," "us," "HBI" or the "Company") is a Conway, Arkansas headquartered bank holding company registered under the federal Bank Holding Company Act of 1956. The Company's common stock is traded through the New York Stock Exchange under the symbol "HOMB." We are primarily engaged in providing a broad range of commercial and retail banking and related financial services to businesses, real estate developers and investors, individuals and municipalities through our wholly owned community bank subsidiary – Centennial Bank. Centennial Bank has branch locations in Arkansas, Florida, Texas, South Alabama and New York City. Although the Company has a diversified loan portfolio, at December 31, 2025 and 2024, commercial real estate loans represented 53.2% and 57.6% of gross loans and 194.3% and 214.6% of total stockholders' equity, respectively. The Company's total assets, total deposits, total revenue and net income for each of the past three years are as follows:
Valuation FY2025 figures against the last close
Annual financial statements
Income statement
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.28B | $1.30B | $1.18B | $877.8M | $625.2M | $676.0M | $718.0M | $685.4M | $520.3M | $436.5M |
| Interest expense | $892.4M | $848.8M | $826.9M | $758.7M | $52.2M | $93.4M | $154.8M | $124.4M | $64.3M | $30.6M |
| Pre-tax income | $611.8M | $522.3M | $511.9M | $394.6M | $416.8M | $277.7M | $385.6M | $395.5M | $271.1M | $282.6M |
| Income tax | $136.4M | $120.1M | $119.0M | $89.3M | $97.8M | $63.3M | $96.1M | $95.1M | $136.0M | $105.5M |
| Net income | $475.4M | $402.2M | $392.9M | — | — | — | — | — | — | — |
| EPS, basic | 2.41 | 2.01 | 1.94 | 1.57 | 1.94 | 1.30 | 1.73 | 1.73 | 0.90 | 1.26 |
| EPS, diluted | 2.41 | 2.01 | 1.94 | 1.57 | 1.94 | 1.30 | 1.73 | 1.73 | 0.89 | 1.26 |
| Shares, diluted (wtd. avg.) | $197.7M | $200.1M | $202.8M | $195.0M | $164.9M | $165.4M | $167.8M | $174.1M | $151.5M | $140.7M |
Balance sheet
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | $667.3M | $910.3M | $1.00B | $724.8M | $3.65B | $1.26B | $490.6M | $657.9M | $635.9M | $216.6M |
| Property, plant and equipment | $369.3M | $386.3M | $393.3M | $405.1M | $275.8M | $278.6M | $280.1M | $233.3M | $237.4M | $205.3M |
| Goodwill | $1.40B | $1.40B | $1.40B | $1.40B | $973.0M | $973.0M | $958.4M | $958.4M | $927.9M | $378.0M |
| Other intangibles | $32.3M | $40.3M | $48.8M | $58.5M | $25.0M | $30.7M | $36.6M | $42.9M | $49.4M | $18.3M |
| Total assets | $22.88B | $22.49B | $22.66B | $22.88B | $18.05B | $16.40B | $15.03B | $15.30B | $14.45B | $9.81B |
| Short-term debt | — | — | — | — | — | — | — | — | — | $40.0M |
| Long-term debt | — | — | — | — | — | — | — | — | — | $1.27B |
| Total liabilities | $18.59B | $18.53B | $18.87B | $19.36B | $15.29B | $13.79B | $12.52B | $12.95B | $12.25B | $8.48B |
| Retained earnings | $2.26B | $1.94B | $1.69B | $1.44B | $1.27B | $1.04B | $956.6M | $752.2M | $530.7M | $455.9M |
| Total equity | $4.30B | $3.96B | $3.79B | $3.53B | $2.77B | $2.61B | $2.51B | $2.35B | $2.20B | $1.33B |
Cash flow
| Fiscal year | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $399.3M | $460.6M | $379.7M | $413.2M | $389.4M | $291.7M | $247.4M | $303.9M | $140.1M | $175.7M |
| Stock-based compensation | $10.7M | $9.2M | $9.3M | $9.1M | $8.8M | $8.6M | $10.7M | $9.1M | $6.7M | $6.6M |
| Capital expenditure | $22.3M | $38.5M | $22.5M | $19.6M | $10.3M | $11.5M | $14.9M | $8.0M | $5.2M | $3.1M |
| Investing cash flow | -$470.3M | $5.7M | $578.5M | -$1.02B | $624.7M | -$651.9M | $221.7M | -$779.6M | -$318.6M | -$558.7M |
| Financing cash flow | -$172.0M | -$556.2M | -$682.7M | -$2.31B | $1.37B | $1.13B | -$636.4M | $497.7M | $597.8M | $343.8M |
| Dividends paid | $158.9M | $150.0M | $145.9M | $128.4M | $92.1M | $87.7M | $85.6M | $79.9M | $60.4M | $48.1M |
| Buybacks | $82.2M | $86.5M | $48.8M | $70.9M | $44.5M | $25.7M | $84.9M | $104.3M | $20.8M | $9.8M |
Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001331520-26-000051.
Others in SIC 6022
| Ticker | Company | Market cap | P/E | Revenue growth |
|---|---|---|---|---|
| BNY | Bank of New York Mellon Corp | $111.84B | 22.3x | 7.8% |
| STT | STATE STREET CORP | $53.36B | 20.7x | 7.3% |
| FITB | FIFTH THIRD BANCORP | $49.76B | 15.5x | -5.0% |
| MTB | M&T BANK CORP | $34.64B | 14.1x | 7.5% |
| NTRS | NORTHERN TRUST CORP | $34.15B | 21.4x | 6.1% |
| CFG | CITIZENS FINANCIAL GROUP INC/RI | $29.81B | 18.3x | 6.7% |
| FCNCA | FIRST CITIZENS BANCSHARES INC /DE/ | $25.48B | 13.4x | -2.2% |
| EWBC | EAST WEST BANCORP INC | $17.92B | 13.7x | 2.4% |