Loading…
Home BancShares, Inc. 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 in the United States. The company offers deposit services, including checking, savings, and money market accounts, as well as certificates of deposit. It also provides loans comprising non-farm/non-residential real estate, construction/land development, residential mortgage, consumer, agricultural, and commercial and industrial loans. In addition, the company offers other banking services, such as internet and mobile banking, 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. Further, it provides trust, wealth management, and custodial services, as well as trustee services, escrow, and paying agent services. Additionally, the company writes policies for commercial and personal lines of business, including insurance for property, casualty, life, health, and employee benefits. It operates its branches in Arkansas, Florida, Texas, South Alabama, and New York City. Home BancShares, Inc. was founded in 1903 and is headquartered in Conway, Arkansas.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $1.1B | - | $475M | $377M | 11.1% | 7.7% | 18.2% |
| 2024 | $1.0B | - | $402M | $422M | 10.2% | 2.3% | 2.4% |
| 2023 | $978M | - | $393M | $357M | 10.4% | 6.7% | 28.7% |
| 2022 | $917M | - | $305M | $394M | 8.7% | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total Revenue | 916.88 | 978.26 | 1,001 | 1,078.15 |
| Pretax Income | 394.57 | 511.88 | 522.34 | 611.79 |
| Tax Provision | 89.31 | 118.95 | 120.10 | 136.35 |
| Net Income | 305.26 | 392.93 | 402.24 | 475.44 |
| Net Income Common Stockholders | 305.26 | 392.93 | 402.24 | 475.44 |
| Interest Expense | 119.09 | 348.11 | 451 | 386.46 |
| Interest Income | 877.77 | 1,175.05 | 1,299.78 | 1,278.82 |
| Selling General And Administration | 260.48 | 296.73 | 268.78 | 278.23 |
| Normalized Income | 343.37 | 391.52 | 402.37 | 475.43 |
| Basic EPS | 1.57 | 1.94 | 2.01 | 2.41 |
| Diluted EPS | 1.57 | 1.94 | 2.01 | 2.41 |
| Tax Effect Of Unusual Items | -11.15 | 0.43 | -0.04 | 0 |
| Tax Rate For Calcs | 0.23 | 0.23 | 0.23 | 0.22 |
| Total Unusual Items | -49.26 | 1.84 | -0.17 | 0.01 |
| Total Unusual Items Excluding Goodwill | -49.26 | 1.84 | -0.17 | 0.01 |
| Net Income From Continuing Operation Net Minority Interest | 305.26 | 392.93 | 402.24 | 475.44 |
| Reconciled Depreciation | 31.86 | 30.93 | 29.20 | 29.19 |
| Net Interest Income | 758.68 | 826.95 | 848.77 | 892.36 |
| Net Income From Continuing And Discontinued Operation | 305.26 | 392.93 | 402.24 | 475.44 |
| Diluted Average Shares | 195.02 | 202.77 | 200.07 | 197.65 |
| Basic Average Shares | 194.69 | 202.63 | 199.94 | 197.45 |
| Diluted NI Availto Com Stockholders | 305.26 | 392.93 | 402.24 | 475.44 |
| Net Income Including Noncontrolling Interests | 305.26 | 392.93 | 402.24 | 475.44 |
| Net Income Continuous Operations | 305.26 | 392.93 | 402.24 | 475.44 |
| Special Income Charges | -49.76 | 1.51 | 2.10 | 0.17 |
| Gain On Sale Of Business | 0.01 | 1.51 | 2.10 | 0.75 |
| Other Special Charges | 0.18 | 0 | 0 | 0 |
| Restructuring And Mergern Acquisition | 49.59 | 0 | 0 | 0.58 |
| Gain On Sale Of Security | -3.28 | -2.78 | 3.30 | 4.59 |
| Depreciation Amortization Depletion Income Statement | 8.85 | 9.69 | 8.44 | 8.03 |
| Depreciation And Amortization In Income Statement | 8.85 | 9.69 | 8.44 | 8.03 |
| Amortization | 8.85 | 9.69 | 8.44 | 8.03 |
| Amortization Of Intangibles Income Statement | 8.85 | 9.69 | 8.44 | 8.03 |
| Selling And Marketing Expense | 7.97 | 8.85 | 7.10 | 8.24 |
| General And Administrative Expense | 252.51 | 287.88 | 261.68 | 269.98 |
| Other Gand A | 0 | 0 | 0 | 0 |
| Insurance And Claims | 12.13 | 29.10 | 19.02 | 15.44 |
| Salaries And Wages | 240.38 | 258.78 | 242.66 | 254.54 |
| Operating Revenue | 916.88 | 978.26 | 1,001 | 1,078.15 |
| Occupancy And Equipment | 53.42 | 60.30 | 58.03 | 57.71 |
| Professional Expense And Contract Services Expense | 18.28 | 14.04 | 17.10 | 16.83 |
| Other Non Interest Expense | 69.94 | 76.67 | 80 | 82.62 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| Home BancShares, Inc.this co. | HOMB | $5.4B | 10.91 | 1.20 | 11.1% | - |
| Essent Group Ltd. | ESNT | $6.0B | 9.27 | 1.06 | 12.0% | 6.75 |
| United Bankshares, Inc. | UBSI | $6.0B | 12.14 | 1.10 | 8.5% | - |
| Flagstar Bank, National Association | FLG | $5.8B | - | 0.76 | -2.2% | - |
| Hancock Whitney Corporation | HWC | $5.4B |
| 13.68 |
| 1.22 |
| 10.9% |
| - |
| Associated Banc-Corp | ASB | $5.3B | 9.67 | 0.95 | 9.5% | - |
| Nelnet, Inc. | NNI | $5.1B | 12.10 | 1.39 | 12.0% | - |
| Selective Insurance Group, Inc. | SIGI | $5.1B | 11.58 | 1.50 | 12.9% | 8.65 |
| PennyMac Financial Services, Inc. | PFSI | $4.6B | 9.59 | 1.08 | 11.6% | - |
| Peer Median | - | 11.58 | 1.09 | 11.3% | 7.70 | |