Home BancShares Inc. Common Stock (HOMB)

FairStock Score: 67/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I am a patient value investor, and HOMB is the kind of bank I can understand: Centennial Bank takes deposits and makes commercial and retail loans, largely to businesses and real estate borrowers. The reported record is respectable. Net income rose from $392.9 million in fiscal 2023 to $402.2 million in fiscal 2024 and $475.4 million in fiscal 2025, while diluted EPS went from $1.94 to $2.01 to $2.41. In the quarter ended June 30, 2026, net income was $119.3 million, or $0.59 per diluted share, essentially flat versus $118.4 million and $0.60 in the quarter ended June 30, 2025. Recent momentum is slower: the quarter ended September 30, 2025, earned $123.6 million, or $0.63 per share. FairStock puts the shares at 11.72 times earnings and 1.25 times book at the October 13, 2026 close, with an 11.11% return on equity, a 3.03% dividend yield, and a 0.72 beta. That is not an obvious bargain, but it is also not a nosebleed price for a profitable regional bank. The concern is quality of growth. The PEG of 4.51 and Piotroski score of 4/9 suggest earnings are not compounding fast enough to justify much excitement, and the Lynch category is STALWART, with the note that five-year profit growth was 49.8% a year per FairStock's rules. I cannot see CET1, net interest margin, efficiency ratio, nonperforming loans, charge-offs or reserve coverage in this data, so I cannot underwrite credit risk properly. I would treat HOMB as a steady, dividend-paying bank whose price is fair, not compelling, until those bank-specific measures confirm the balance sheet is as sturdy as the earnings record implies.

In plain English: Home BancShares is a bank holding company for Centennial Bank, which takes deposits and makes loans to businesses, real estate developers and individuals. It has been consistently profitable, with net income of $119.3 million in the quarter ended June 30, 2026, and it pays a 3.03% dividend. At $28.36, the stock looks about fairly priced for its recent profits and growth rather than clearly cheap or expensive.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer