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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% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 916.88 | 978.26 | 1,001 | 1,078.15 |
| Operating Revenue | - | 916.88 | 978.26 | 1,001 | 1,078.15 |
| Selling General And Administration | - | 260.48 | 296.73 | 268.78 | 278.23 |
| Interest Income | - | 877.77 | 1,175.05 | 1,299.78 | 1,278.82 |
| Interest Expense | - | 119.09 | 348.11 | 451 | 386.46 |
| Net Interest Income | - | 758.68 | 826.94 | 848.77 | 892.36 |
| Pretax Income | - | 394.58 | 511.88 | 522.34 | 611.79 |
| Tax Provision | - | 89.31 | 118.95 | 120.10 | 136.35 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -11.15 | 0.43 | -0.04 | 0 |
| Net Income Continuous Operations | - | 305.26 | 392.93 | 402.24 | 475.44 |
| Net Income From Continuing And Discontinued Operation | - | 305.26 | 392.93 | 402.24 | 475.44 |
| Net Income From Continuing Operation Net Minority Interest | - | 305.26 | 392.93 | 402.24 | 475.44 |
| Net Income | - | 305.26 | 392.93 | 402.24 | 475.44 |
| Net Income Common Stockholders | - | 305.26 | 392.93 | 402.24 | 475.44 |
| Net Income Including Noncontrolling Interests | - | 305.26 | 392.93 | 402.24 | 475.44 |
| Normalized Income | - | 343.37 | 391.52 | 402.37 | 475.43 |
| Diluted NI Availto Com Stockholders | - | 305.26 | 392.93 | 402.24 | 475.44 |
| Basic Average Shares | - | 194.69 | 202.63 | 199.94 | 197.45 |
| Diluted Average Shares | - | 195.02 | 202.77 | 200.07 | 197.65 |
| Reconciled Depreciation | - | 31.86 | 30.93 | 29.20 | 29.19 |
| Total Unusual Items | - | -49.26 | 1.84 | -0.17 | 0.01 |
| Total Unusual Items Excluding Goodwill | - | -49.26 | 1.84 | -0.17 | 0.01 |
| Special Income Charges | - | -49.76 | 1.51 | 2.10 | 0.17 |
| Gain On Sale Of Business | - | 0.02 | 1.51 | 2.10 | 0.75 |
| Other Special Charges | - | 0.18 | - | - | - |
| 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 | 9.68 | 8.44 | 8.03 |
| Depreciation And Amortization In Income Statement | - | 8.85 | 9.68 | 8.44 | 8.03 |
| General And Administrative Expense | - | 252.51 | 287.88 | 261.68 | 269.98 |
| Other Gand A | 4.62 | - | - | - | - |
| Salaries And Wages | - | 240.38 | 258.78 | 242.66 | 254.54 |
| Insurance And Claims | - | 12.13 | 29.10 | 19.02 | 15.44 |
| Selling And Marketing Expense | - | 7.97 | 8.85 | 7.10 | 8.24 |
| Amortization | - | 8.85 | 9.68 | 8.44 | 8.03 |
| Amortization Of Intangibles Income Statement | - | 8.85 | 9.68 | 8.44 | 8.03 |
| 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 | 76.68 | 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 | 11.37 | 1.26 | 11.1% | - |
| Glacier Bancorp, Inc. | GBCI | $6.1B | 25.69 | 1.46 | 5.7% | - |
| United Bankshares, Inc. | UBSI | $6.0B | 12.97 | 1.10 | 8.5% | - |
| Flagstar Bank, National Association | FLG | $5.9B | -33.23 | 0.77 | -2.3% | - |
| Hancock Whitney Corporation | HWC | $5.6B |
| - |
| - |
| - |
| - |
| - |
| 11.55 |
| 1.26 |
| 10.9% |
| - |
| Essent Group Ltd. | ESNT | $5.3B | 7.64 | 0.92 | 12.0% | - |
| Associated Banc-Corp | ASB | $5.2B | 11.04 | 1.10 | 9.9% | - |
| Selective Insurance Group, Inc. | SIGI | $5.1B | 11.04 | 1.51 | 13.7% | - |
| Nelnet, Inc. | NNI | $4.7B | 11.06 | 1.26 | 11.4% | - |
| Peer Median | - | 11.05 | 1.18 | 10.4% | - | |