US · HOMB
Home Bancshares, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Conway, AR 72032-5619
- Website
- homebancshares.com
Price · as of 2025-12-31
$26.74
Market cap 5.4B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $32.98 | +23.34% |
| Intrinsic Value(DCF) | $30.51 | +14.1% |
| Graham-Dodd Method(GD) | $26.78 | +0.13% |
| Graham Formula(GF) | $7.16 | -73.24% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $4.66 | $28.92 | $3.95 | $4.88 | $11.75 |
| 2012 | $6.48 | $30.01 | $7.01 | $4.44 | $7.12 |
| 2013 | $13.18 | $30.90 | $9.41 | $5.33 | $17.09 |
| 2014 | $12.95 | $32.85 | $17.96 | $6.88 | $49.77 |
| 2015 | $16.29 | $31.25 | $12.54 | $6.95 | $19.06 |
| 2016 | $21.99 | $33.55 | $11.01 | $7.93 | $29.81 |
| 2017 | $20.01 | $32.48 | $13.33 | $6.94 | $22.53 |
| 2018 | $15.23 | $32.35 | $13.49 | $9.76 | $60.40 |
| 2019 | $13.65 | $31.96 | $14.08 | $10.23 | $20.30 |
| 2020 | $24.61 | $40.35 | $14.09 | $8.40 | $5.83 |
| 2021 | $20.57 | $66.12 | $25.64 | $12.19 | $9.46 |
| 2022 | $20.07 | $42.27 | $26.17 | $8.88 | $69.44 |
| 2023 | $22.66 | $40.90 | $19.20 | $10.70 | $67.70 |
| 2024 | $28.07 | $39.46 | $33.59 | $11.62 | $34.45 |
| 2025 | $27.97 | $32.98 | $33.59 | $26.77 | $7.16 |
AI valuation
Our deep-learning model estimates Home Bancshares, Inc.'s (HOMB) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $32.98
- Current price
- $26.74
- AI upside
- +23.34%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$30.51
+14.1% upside
Graham-Dodd
$26.78
+0.13% upside
Graham Formula
$7.16
-73.24% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HOMB | Home Bancshares, Inc. | $26.74 | 5.4B | +23% | +14% | 0% | -73% | 11.59 | 1.28 | 4.01 | 5.40 | 58.25 | 1.92 | 77.30% | 43.75% | 34.59% | 11.51% | 20.51% | 2.10% | 0.22 | 1.47 | — | — | 0.43 | 1990.00% | -535.00% | -2225.00% | 5.95% | — | 14.16% | 0.00% | 0.00% | 1.98% | 5.55 | 10.17 | 2.43 | 0.63 |
| ABCB | Ameris Bancorp | $77.66 | 5.31B | -37% | -9% | -19% | -22% | 13.17 | 1.33 | 3.26 | 11.47 | 84.41 | 1.81 | 68.31% | 32.05% | 24.75% | 10.53% | 13.62% | 1.53% | 0.17 | 1.17 | 0.17 | 0.00 | 1.30 | 1561.00% | 200.00% | 3303.00% | 3.45% | 0.03 | 6.19% | 1.02% | 13.40% | 1.02% | 11.47 | 32.70 | 3.68 | 0.14 |
| AVAL | Grupo Aval Acciones y Val… | $4.09 | 4.88B | +41% | -38% | -51% | -76% | 12.99 | 0.76 | 0.36 | 9.19 | 34.61 | -7.15 | 30.57% | 8.49% | 2.75% | 5.93% | 5.31% | 0.32% | 4.09 | 0.15 | 0.37 | 0.37 | 12.65 | 3753.00% | -380.00% | 4760.00% | -111.53% | -0.07 | -35.60% | 5.52% | 71.70% | 5.94% | 12.92 | -2.76 | 1.10 | -0.27 |
| COLB | Columbia Banking System, … | $28.45 | 6.77B | +47% | +392% | +8% | +6% | 15.60 | 1.09 | 2.67 | 13.30 | — | 1.52 | 67.66% | 23.38% | 17.11% | 8.49% | 6.27% | 0.93% | 0.49 | 0.82 | 0.01 | 0.01 | 3.72 | -980.00% | 835.00% | 1970.00% | 8.70% | 0.02 | 8.24% | 0.00% | 0.00% | 0.00% | 15.85 | 15.96 | 3.71 | -0.63 |
| FNB | F.N.B. Corporation | $16.99 | 6.07B | +215% | -15% | -26% | +20% | 10.94 | 0.92 | 2.30 | 5.80 | 47.93 | 1.46 | 62.31% | 24.84% | 20.98% | 8.66% | 11.74% | 1.14% | 0.58 | 0.72 | 1.01 | 0.99 | 2.12 | 2283.00% | 494.00% | -2525.00% | 6.08% | 0.01 | 7.81% | 2.81% | 30.80% | 10.55% | 5.80 | 10.32 | 1.44 | 0.26 |
| HWC | Hancock Whitney Corporati… | $65.81 | 5.5B | -22% | -10% | -16% | -41% | 11.45 | 1.25 | 2.76 | 10.14 | 151.08 | 1.60 | 73.05% | 31.00% | 24.08% | 11.32% | 25.05% | 1.38% | 0.27 | 1.23 | 0.00 | 0.00 | 1.86 | 758.00% | -152.00% | -3865.00% | 6.79% | 0.01 | 19.05% | 2.76% | 31.60% | 7.20% | 10.63 | 17.60 | 3.29 | -0.68 |
| OZK | Bank OZK | $46.56 | 5.21B | -14% | +79% | +76% | +29% | 7.36 | 0.86 | 1.88 | 6.13 | 1505.53 | 0.96 | 55.43% | 33.30% | 25.50% | 12.09% | 14.55% | 1.81% | 0.08 | 0.87 | 0.80 | 0.00 | 0.50 | 49.00% | 115.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 6.13 | — | 2.04 | 0.36 |
| UBSI | United Bankshares, Inc. | $41.30 | 5.8B | +9% | +9% | -0% | +60% | 12.65 | 1.07 | 3.23 | 2.03 | 66.90 | 1.71 | 65.35% | 32.42% | 25.52% | 8.86% | 23.16% | 1.46% | 0.17 | 1.01 | 28.21 | 28.21 | -2.75 | 1891.00% | 1233.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 2.27% | 2.03 | — | 0.66 | 0.43 |
| VLY | Valley National Bancorp | $12.61 | 7.03B | +60% | -14% | +27% | -49% | 11.99 | 0.92 | 2.05 | 8.68 | 25.85 | 1.23 | 53.94% | 21.30% | 17.12% | 7.85% | 7.43% | 0.94% | 0.49 | 0.51 | 10.26 | 10.26 | 4.69 | 4638.00% | -221.00% | -2652.00% | 5.62% | 0.87 | 5.01% | 0.00% | 0.00% | 0.88% | 8.68 | 16.01 | 1.85 | 0.29 |
About Home Bancshares, Inc.
Home Bancshares, Inc. (Conway, AR) 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. Its deposit products include checking, savings, and money market accounts, as well as certificates of deposit. The company's loan portfolio comprises non-farm/non-residential real estate, construction/land development, residential mortgage, consumer, agricultural, and commercial and industrial loans. It also provides internet banking, mobile banking and 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. In addition, the company writes policies for commercial and personal lines of business, including insurance for property, casualty, life, health, and employee benefits. As of December 31, 2021, it operated through 160 branch locations that included 76 branches in Arkansas, 78 branches in Florida, 5 branches in Alabama, and 1 branch in New York City. Home Bancshares, Inc. (Conway, AR) was founded in 1998 and is headquartered in Conway, Arkansas.
- CEO
- John W. Allison
- Employees
- 2.55K
- Beta
- 0.77
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($30.51 ÷ $26.74) − 1 = +14.1% (DCF, example).