Home BancShares (HOMB)
Market Price (3/24/2026): $26.35 | Market Cap: $5.2 BilSector: Financials | Industry: Regional Banks
Home BancShares (HOMB)
Market Price (3/24/2026): $26.35Market Cap: $5.2 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2%, FCF Yield is 7.2% | Weak multi-year price returns2Y Excs Rtn is -5.9%, 3Y Excs Rtn is -38% | Key risksHOMB key risks include [1] challenges integrating frequent acquisitions and realizing expected benefits from its acquisition-driven growth strategy and [2] vulnerability to downturns from its concentrated loan portfolio in multifamily construction and marine lending. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -28% | Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11% | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 35% | ||
| Low stock price volatilityVol 12M is 26% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 12%, Dividend Yield is 3.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.2%, FCF Yield is 7.2% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -28% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 37%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 35% |
| Low stock price volatilityVol 12M is 26% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and AI in Financial Services. Themes include Online Banking & Lending, Digital Payments, Show more. |
| Weak multi-year price returns2Y Excs Rtn is -5.9%, 3Y Excs Rtn is -38% |
| Moderate capital ratioTier 1 Capital / Risk Wtd Assets RatioTier 1 Capital / Risk-Weighted Assets is a common measure of financial strength for a bank. It reflects how much equity there is relative to assets where assets are weighted based on riskiness. Low ratios indicate the bank is highly vulnerable to even small changes in the value of their risk assets. is 11% |
| Key risksHOMB key risks include [1] challenges integrating frequent acquisitions and realizing expected benefits from its acquisition-driven growth strategy and [2] vulnerability to downturns from its concentrated loan portfolio in multifamily construction and marine lending. |
Qualitative Assessment
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Home BancShares (HOMB) stock has lost about 5% since 11/30/2025 because of the following key factors:
1. Acquisition-related share issuance and potential dilution concerns.
On December 8, 2025, Home BancShares announced the acquisition of Mountain Commerce Bancorp, a "triple accretive" deal expected to close by Q2 2026. However, the transaction involves issuing approximately 5.4 million shares of HOMB, which likely introduced short-term dilution concerns among investors.
2. Slight moderation in sequential profitability metrics despite strong overall earnings.
While Home BancShares reported record 2025 annual income of $475.4 million (up 18.2% year-over-year) and Q4 2025 earnings per share of $0.60 that beat analyst estimates, there was a slight sequential moderation in some key profitability measures. For instance, adjusted net income decreased from $119.7 million in Q3 2025 to $117.9 million in Q4 2025, and the return on assets (ROA) also showed a slight moderation in Q4 2025 due to provisions for credit losses. This minor deceleration from the previous quarter's peak might have tempered investor enthusiasm.
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1. Acquisition-related share issuance and potential dilution concerns.
On December 8, 2025, Home BancShares announced the acquisition of Mountain Commerce Bancorp, a "triple accretive" deal expected to close by Q2 2026. However, the transaction involves issuing approximately 5.4 million shares of HOMB, which likely introduced short-term dilution concerns among investors.
2. Slight moderation in sequential profitability metrics despite strong overall earnings.
While Home BancShares reported record 2025 annual income of $475.4 million (up 18.2% year-over-year) and Q4 2025 earnings per share of $0.60 that beat analyst estimates, there was a slight sequential moderation in some key profitability measures. For instance, adjusted net income decreased from $119.7 million in Q3 2025 to $117.9 million in Q4 2025, and the return on assets (ROA) also showed a slight moderation in Q4 2025 due to provisions for credit losses. This minor deceleration from the previous quarter's peak might have tempered investor enthusiasm.
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Stock Movement Drivers
Fundamental Drivers
The -4.9% change in HOMB stock from 11/30/2025 to 3/23/2026 was primarily driven by a -8.6% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 3232026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.86 | 26.51 | -4.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,054 | 1,078 | 2.2% |
| Net Income Margin (%) | 43.4% | 44.1% | 1.6% |
| P/E Multiple | 12.0 | 11.0 | -8.6% |
| Shares Outstanding (Mil) | 197 | 197 | 0.3% |
| Cumulative Contribution | -4.9% |
Market Drivers
11/30/2025 to 3/23/2026| Return | Correlation | |
|---|---|---|
| HOMB | -4.9% | |
| Market (SPY) | -3.8% | 34.9% |
| Sector (XLF) | -7.3% | 65.9% |
Fundamental Drivers
The -9.6% change in HOMB stock from 8/31/2025 to 3/23/2026 was primarily driven by a -17.9% change in the company's P/E Multiple.| (LTM values as of) | 8312025 | 3232026 | Change |
|---|---|---|---|
| Stock Price ($) | 29.33 | 26.51 | -9.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,033 | 1,078 | 4.4% |
| Net Income Margin (%) | 42.0% | 44.1% | 4.9% |
| P/E Multiple | 13.3 | 11.0 | -17.9% |
| Shares Outstanding (Mil) | 198 | 197 | 0.5% |
| Cumulative Contribution | -9.6% |
Market Drivers
8/31/2025 to 3/23/2026| Return | Correlation | |
|---|---|---|
| HOMB | -9.6% | |
| Market (SPY) | 2.2% | 36.3% |
| Sector (XLF) | -8.1% | 62.5% |
Fundamental Drivers
The -8.9% change in HOMB stock from 2/28/2025 to 3/23/2026 was primarily driven by a -23.9% change in the company's P/E Multiple.| (LTM values as of) | 2282025 | 3232026 | Change |
|---|---|---|---|
| Stock Price ($) | 29.11 | 26.51 | -8.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 1,001 | 1,078 | 7.7% |
| Net Income Margin (%) | 40.2% | 44.1% | 9.7% |
| P/E Multiple | 14.4 | 11.0 | -23.9% |
| Shares Outstanding (Mil) | 199 | 197 | 1.2% |
| Cumulative Contribution | -8.9% |
Market Drivers
2/28/2025 to 3/23/2026| Return | Correlation | |
|---|---|---|
| HOMB | -8.9% | |
| Market (SPY) | 11.6% | 61.0% |
| Sector (XLF) | -4.3% | 72.0% |
Fundamental Drivers
The 20.2% change in HOMB stock from 2/28/2023 to 3/23/2026 was primarily driven by a 32.5% change in the company's Net Income Margin (%).| (LTM values as of) | 2282023 | 3232026 | Change |
|---|---|---|---|
| Stock Price ($) | 22.06 | 26.51 | 20.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 917 | 1,078 | 17.6% |
| Net Income Margin (%) | 33.3% | 44.1% | 32.5% |
| P/E Multiple | 14.7 | 11.0 | -25.7% |
| Shares Outstanding (Mil) | 204 | 197 | 3.8% |
| Cumulative Contribution | 20.2% |
Market Drivers
2/28/2023 to 3/23/2026| Return | Correlation | |
|---|---|---|
| HOMB | 20.2% | |
| Market (SPY) | 72.1% | 52.3% |
| Sector (XLF) | 44.7% | 70.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| HOMB Return | 28% | -4% | 15% | 15% | 1% | -5% | 55% |
| Peers Return | 20% | -18% | 39% | 20% | 24% | -7% | 89% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -5% | 73% |
Monthly Win Rates [3] | |||||||
| HOMB Win Rate | 75% | 50% | 58% | 58% | 42% | 33% | |
| Peers Win Rate | 50% | 50% | 56% | 56% | 69% | 43% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| HOMB Max Drawdown | 0% | -16% | -12% | -11% | -11% | -6% | |
| Peers Max Drawdown | -4% | -36% | -30% | -9% | -12% | -8% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -5% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: ABCB, ASB, AGBK, HYNE, NU.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/23/2026 (YTD)
How Low Can It Go
| Event | HOMB | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -29.1% | -25.4% |
| % Gain to Breakeven | 41.1% | 34.1% |
| Time to Breakeven | 807 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -50.1% | -33.9% |
| % Gain to Breakeven | 100.5% | 51.3% |
| Time to Breakeven | 289 days | 148 days |
| 2018 Correction | ||
| % Loss | -47.2% | -19.8% |
| % Gain to Breakeven | 89.5% | 24.7% |
| Time to Breakeven | 2,144 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -52.9% | -56.8% |
| % Gain to Breakeven | 112.2% | 131.3% |
| Time to Breakeven | 1,212 days | 1,480 days |
Compare to ABCB, ASB, AGBK, HYNE, NU
In The Past
Home BancShares's stock fell -29.1% during the 2022 Inflation Shock from a high on 5/7/2021. A -29.1% loss requires a 41.1% gain to breakeven.
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About Home BancShares (HOMB)
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.
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Here are 1-3 brief analogies for Home BancShares (HOMB):
The U.S. Bancorp or PNC of Arkansas and Florida.
Think of it as a regional bank like PNC or Truist, but with an added insurance division.
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- Deposit Accounts: Offers various checking, savings, money market accounts, and certificates of deposit for individuals and businesses.
- Loan Products: Provides a diverse portfolio of loans including real estate (non-farm/non-residential, construction/land development, residential mortgage), consumer, agricultural, and commercial and industrial loans.
- Digital & Cash Management Services: Delivers internet banking, mobile banking, and cash management solutions for convenient financial management.
- Insurance Products: Underwrites and sells commercial and personal insurance policies, covering property, casualty, life, health, and employee benefits.
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```htmlHome BancShares (HOMB) serves a diverse customer base through its banking operations. Based on the provided information, its major customers can be categorized as:
- Individuals: These customers utilize services such as checking, savings, and money market accounts, certificates of deposit, residential mortgages, consumer loans, internet banking, and mobile banking.
- Businesses: This category includes various commercial entities that receive commercial and industrial loans, cash management services, overdraft protection, and commercial insurance lines of business. This also encompasses real estate developers and investors, who are served with non-farm/non-residential real estate and construction/land development loans.
- Municipalities: Local government entities that require banking services.
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John W. Allison Executive Chairman & Chief Executive Officer
John W. Allison is the co-founder and has served as the Chairman of the Board of Home BancShares since 1998. He also assumed the role of Chief Executive Officer in 2019, a position he previously held from 1998 to 2009. Prior to founding Home BancShares, Mr. Allison had over 35 years of banking experience, including serving as Chairman of First National Bank of Conway from 1983 until its acquisition in 1998. He was also a director of First Commercial Corporation from 1985 until its sale to Regions Financial Corporation in 1998, where he served on the Executive and Asset Quality Committees. He established Home BancShares, Inc. in 1998 and formed First State Bank in Conway in 1999. Mr. Allison was also involved in the formation and acquisition of Marine Bank of the Florida Keys in the 1990s, which later became part of Home BancShares. Earlier in his career, he purchased multiple mobile home factories.
Brian S. Davis Chief Financial Officer and Treasurer
Brian S. Davis serves as the Chief Financial Officer and Treasurer for both Home BancShares, Inc. and its subsidiary, Centennial Bank.
Kevin D. Hester President and Chief Lending Officer
Kevin D. Hester was named President of Home BancShares and Centennial Bank in May 2024, in addition to his role as Chief Lending Officer. He is a founding employee of the company and has served as its senior lender since Home BancShares began 25 years ago. Mr. Hester joined Centennial Bank (formerly First State Bank) in 1998 as Executive Vice President of Lending and became Chief Lending Officer of Centennial Bank in 2010. He possesses over 35 years of banking experience and previously held lending leadership roles at First Commercial Corporation from 1985–1998.
Stephen Tipton Chief Executive Officer of Centennial Bank and Chief Operating Officer of Home BancShares
Stephen Tipton assumed the position of Chief Executive Officer of Centennial Bank in May 2024, having served as Chief Operating Officer of Centennial Bank since 2015. He began his banking career in 2005 and joined Centennial Bank in 2006. Prior to his COO role, Mr. Tipton held positions as Regional Vice President, Director of Credit Risk Management, and Commercial Lender for Centennial Bank.
Tracy M. French Chairman of Centennial Bank
Tracy M. French serves as the Chairman of Centennial Bank, with a focus on special projects, a role he took on in May 2024. He previously served as President and Chief Executive Officer of Centennial Bank since January 2015. Mr. French has been with Centennial Bank for over 20 years. Before joining Home BancShares, he was the CEO of a bank in Cabot, Arkansas, that was experiencing regulatory challenges. His previous institution, Community Bank, was acquired by Home BancShares.
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Here are the key risks to Home BancShares (symbol: HOMB):
- Concentration in Real Estate Loans and Geographic Concentration: Home BancShares faces significant risk due to its substantial concentration in real estate loans, particularly commercial real estate. This exposure makes the company vulnerable to increased lending risk, especially given the current higher interest rate environment and potential stress in specific commercial real estate sectors, such as office and some multifamily properties. The company's geographic focus in Arkansas, Florida, Alabama, and New York City further amplifies this risk, as adverse local or regional economic downturns affecting real estate values in these areas could negatively impact its loan portfolio and overall financial performance.
- Interest Rate Sensitivity and Market Risks: As a bank holding company, Home BancShares' profitability is highly sensitive to fluctuations in interest rates and changes in broader monetary policy. Variations in interest rates can directly affect the company's net interest income, which is a primary driver of its earnings, by influencing the spread between the interest earned on assets and the interest paid on liabilities. Additionally, market conditions and economic downturns can negatively impact the valuation of the company's investment portfolio and the demand for its loan products, further affecting its financial performance.
- Operational Risks, including Cybersecurity Breaches and Fraud: Home BancShares is exposed to considerable operational risks, particularly those related to cybersecurity breaches, fraud, and other illicit activities. Its subsidiary, Centennial Bank, has experienced data security incidents in the past, including an April 2023 breach that compromised personal information of customers and led to class action lawsuits. Such incidents highlight the ongoing threat of identity theft, financial fraud, and potential damage to the bank's reputation, necessitating robust and continuously updated cybersecurity measures.
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- The proliferation of digital-first challenger banks and fintech platforms poses a significant threat by offering streamlined, often lower-cost, and fully online banking services. These agile competitors can attract customers seeking modern digital experiences for deposits, loans, and payments, thereby challenging Home BancShares' traditional branch-based model and its reliance on physical infrastructure.
- The increasing entry of large technology companies (Big Tech) into the financial services sector presents a clear emerging threat. With their extensive user bases, data analytics capabilities, and established digital ecosystems, companies like Apple, Google, and Amazon can disintermediate traditional banks by offering their own payment systems, lending products, and digital wallets, thereby diverting customer interactions and revenue streams away from Home BancShares.
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Home BancShares (HOMB) operates Centennial Bank, providing commercial and retail banking, and related financial services, as well as offering insurance policies in Arkansas, Florida, Alabama, and New York City. The addressable markets for their main products and services vary by region.
Banking Services
- Arkansas:
- The total bank deposits in Arkansas amounted to approximately $135.8 billion in 2023, and $147.15 billion as of the first quarter of 2025.
- The aggregate total assets for Arkansas banks were $168.7 billion in 2023, exceeding $170 billion as of December 31, 2025.
- Florida:
- Total deposits in Florida were reported at $831 billion in 2024.
- New home loans booked in Florida totaled $87.1 billion in 2024.
- Small business loans in Florida reached $52.9 billion.
- Small farm loans in Florida were $7.8 billion.
- Alabama:
- The total assets for banks in Alabama were approximately $227.16 billion as of the second quarter of 2025.
- New York City/State:
- The New York City Metropolitan Area generated a Gross Metropolitan Product (GMP) of US$2.299 trillion in 2023.
- Total deposits in New York-based financial institutions exceeded $3.4 trillion.
- New York banks held $450 billion in commercial real estate (CRE) exposure in 2023.
- Total mortgage originations in New York reached $85 billion in 2023.
- Small business loans under $1 million by New York banks totaled $18 billion in 2023.
- United States (Overall):
- The U.S. commercial banking market size was estimated at $732.5 billion in 2025 and is forecasted to reach $915.45 billion by 2030. Other estimates place the U.S. commercial banking market size at $765.53 billion in 2026, growing to $954.48 billion by 2031.
- The U.S. retail banking market generated a revenue of $454.3 billion in 2024 and is expected to reach $678.3 billion by 2033. Other estimates suggest the U.S. retail banking market generated revenue of USD 1.28 trillion in 2025, and was valued at $2.34 trillion in 2025, projected to reach $4.19 trillion by 2035.
Insurance Products
- Arkansas:
- The gross direct written premium for the insurance industry in Arkansas was $23.5 billion in 2023.
- The market size of the Property, Casualty and Direct Insurance industry in Arkansas is projected to be $1.9 billion in 2026.
- Florida:
- The commercial property insurance market (admitted sector) in Florida had a premium volume of $14.34 billion in 2024.
- The surplus lines market in Florida (which includes property insurance) reported a premium of $7.44 billion in 2024.
- Florida's surplus lines homeowners market posted premiums of $1.13 billion in 2024.
- Alabama:
- The market size of the Property, Casualty and Direct Insurance industry in Alabama is projected to be $6.6 billion in 2026.
- New York (State):
- The insurance industry's contributions to the New York State economy accounted for $76.9 billion in economic output in 2023.
- In 2023, premium taxes paid by insurance companies in New York State totaled $2.5 billion.
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Home BancShares, Inc. (HOMB) is expected to drive future revenue growth over the next two to three years through several key strategies:
- Strategic Acquisitions and Market Expansion: The company has actively pursued growth through acquisitions, exemplified by its announced acquisition of Mountain Commerce Bank. This move facilitates entry into new geographic markets, such as Tennessee, and is anticipated to be accretive to earnings from the outset. Furthermore, management has indicated the potential for additional mergers and acquisitions in 2026, suggesting a continued focus on expanding its footprint and customer base through strategic inorganic growth.
- Organic Loan Growth: Home BancShares has demonstrated consistent loan growth across its operations, with notable increases in its loan portfolio in 2025. The company's community bank footprint, particularly in Florida, has been a significant contributor to loan originations. Management expects this organic loan growth to continue across all regions, including newly entered markets, as a fundamental driver of increased interest income.
- Net Interest Margin (NIM) Optimization: The company has shown a focus on managing its net interest margin, which directly impacts its primary revenue stream from lending activities. In the fourth quarter of 2025, Home BancShares reported an improved net interest margin, driven by a decline in interest-bearing deposit costs that offset a slight decrease in loan yields. Continued effective management of interest rates on both assets and liabilities will be crucial for sustaining and potentially expanding net interest income.
- Deposit Base Expansion: Growth in deposit balances is vital for funding loan growth and managing overall funding costs for a bank. Home BancShares reported an improvement in deposit balances during the fourth quarter and for the full year of 2025. Expanding its deposit base provides a stable and cost-effective source of funds, enabling the bank to support its lending activities and, consequently, revenue generation.
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Share Repurchases
- In January 2025, Home BancShares' Board of Directors authorized an increase in the shares available for repurchase under its stock repurchase program to 20,000,000 shares, adding 6,755,507 shares to the approximately 13,244,493 shares previously available for repurchase.
- The company repurchased nearly 2.9 million shares for $81.3 million during 2025.
- In the fourth quarter of 2025, Home BancShares repurchased 540,706 shares for $14.7 million.
Share Issuance
- Home BancShares announced an all-stock acquisition of Mountain Commerce Bancorp, Inc. in December 2025, under which Home BancShares will issue approximately 5.4 million shares.
- Shares outstanding for Home BancShares increased by 3.98% from 2022 to 2023.
Outbound Investments
- On September 15, 2021, Home BancShares announced the acquisition of Happy State Bank, a privately owned bank with approximately $6.81 billion in assets as of December 31, 2021. This acquisition was expected to be completed in the first quarter of 2022 and was described as "triple accretive" to earnings per share, book value per share, and tangible book value per share.
- In December 2025, Home BancShares announced an all-stock merger to acquire Mountain Commerce Bancorp, Inc. for an aggregate implied transaction value of approximately $150.1 million. This acquisition is anticipated to provide access to high-growth markets in Tennessee.
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Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 19.73 |
| Mkt Cap | 5.2 |
| Rev LTM | 1,174 |
| Op Inc LTM | - |
| FCF LTM | 377 |
| FCF 3Y Avg | 442 |
| CFO LTM | 399 |
| CFO 3Y Avg | 480 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 15.0% |
| Rev Chg 3Y Avg | 7.2% |
| Rev Chg Q | 30.2% |
| QoQ Delta Rev Chg LTM | 7.1% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 37.0% |
| CFO/Rev 3Y Avg | 37.3% |
| FCF/Rev LTM | 35.0% |
| FCF/Rev 3Y Avg | 35.1% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 5.2 |
| P/S | 4.6 |
| P/EBIT | - |
| P/E | 11.7 |
| P/CFO | 13.1 |
| Total Yield | 10.6% |
| Dividend Yield | 2.1% |
| FCF Yield 3Y Avg | 7.8% |
| D/E | 0.1 |
| Net D/E | -0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -11.2% |
| 3M Rtn | -6.6% |
| 6M Rtn | -4.7% |
| 12M Rtn | 9.6% |
| 3Y Rtn | 44.2% |
| 1M Excs Rtn | -6.4% |
| 3M Excs Rtn | -3.6% |
| 6M Excs Rtn | -4.8% |
| 12M Excs Rtn | -7.3% |
| 3Y Excs Rtn | -30.3% |
Price Behavior
Price Behavior
| Market Price | $26.51 | |
| Market Cap ($ Bil) | 5.2 | |
| First Trading Date | 06/23/2006 | |
| Distance from 52W High | -12.7% | |
| 50 Days | 200 Days | |
| DMA Price | $28.22 | $28.01 |
| DMA Trend | indeterminate | indeterminate |
| Distance from DMA | -6.1% | -5.4% |
| 3M | 1YR | |
| Volatility | 22.2% | 25.6% |
| Downside Capture | 76.65 | 79.58 |
| Upside Capture | 53.78 | 63.62 |
| Correlation (SPY) | 38.2% | 60.5% |
HOMB Betas & Captures as of 2/28/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.69 | 0.79 | 0.64 | 0.71 | 0.83 | 0.96 |
| Up Beta | 1.16 | 1.85 | 1.71 | 1.29 | 0.82 | 1.00 |
| Down Beta | 0.77 | 0.75 | 0.41 | 0.89 | 0.98 | 0.93 |
| Up Capture | 43% | 43% | 39% | 29% | 51% | 71% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 11 | 21 | 32 | 58 | 122 | 369 |
| Down Capture | 69% | 60% | 54% | 65% | 86% | 100% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 10 | 20 | 29 | 65 | 126 | 375 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HOMB | |
|---|---|---|---|---|
| HOMB | -3.0% | 25.6% | -0.15 | - |
| Sector ETF (XLF) | 0.6% | 19.1% | -0.09 | 71.5% |
| Equity (SPY) | 17.3% | 18.9% | 0.71 | 60.6% |
| Gold (GLD) | 45.0% | 27.1% | 1.36 | -5.2% |
| Commodities (DBC) | 17.6% | 17.4% | 0.82 | 17.4% |
| Real Estate (VNQ) | 0.8% | 16.4% | -0.13 | 55.3% |
| Bitcoin (BTCUSD) | -16.3% | 44.2% | -0.28 | 24.7% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HOMB | |
|---|---|---|---|---|
| HOMB | 1.6% | 28.3% | 0.08 | - |
| Sector ETF (XLF) | 9.5% | 18.7% | 0.39 | 72.2% |
| Equity (SPY) | 12.1% | 17.0% | 0.55 | 56.1% |
| Gold (GLD) | 20.2% | 17.5% | 0.94 | -1.5% |
| Commodities (DBC) | 11.0% | 19.0% | 0.47 | 12.0% |
| Real Estate (VNQ) | 2.8% | 18.8% | 0.06 | 51.7% |
| Bitcoin (BTCUSD) | 4.4% | 56.7% | 0.30 | 20.6% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HOMB | |
|---|---|---|---|---|
| HOMB | 5.1% | 34.5% | 0.24 | - |
| Sector ETF (XLF) | 12.6% | 22.1% | 0.52 | 78.4% |
| Equity (SPY) | 14.3% | 17.9% | 0.69 | 61.0% |
| Gold (GLD) | 13.2% | 15.8% | 0.69 | -7.8% |
| Commodities (DBC) | 8.4% | 17.6% | 0.40 | 20.4% |
| Real Estate (VNQ) | 5.0% | 20.7% | 0.21 | 53.6% |
| Bitcoin (BTCUSD) | 67.1% | 66.8% | 1.06 | 13.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/14/2026 | 0.9% | 2.5% | 3.3% |
| 10/15/2025 | -3.4% | -1.5% | -0.3% |
| 7/16/2025 | 2.1% | 3.4% | 1.8% |
| 4/16/2025 | 1.8% | 7.1% | 13.6% |
| 1/15/2025 | 1.1% | 3.2% | 3.6% |
| 10/11/2024 | 2.7% | 2.8% | 13.7% |
| 7/17/2024 | -0.5% | 3.3% | -1.6% |
| 4/18/2024 | 3.5% | 10.6% | 10.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 11 | 13 | 17 |
| # Negative | 13 | 11 | 7 |
| Median Positive | 1.8% | 3.3% | 6.1% |
| Median Negative | -1.2% | -3.6% | -4.6% |
| Max Positive | 3.6% | 10.6% | 13.9% |
| Max Negative | -5.3% | -6.2% | -11.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/27/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/05/2025 | 10-Q |
| 03/31/2025 | 05/05/2025 | 10-Q |
| 12/31/2024 | 02/27/2025 | 10-K |
| 09/30/2024 | 11/01/2024 | 10-Q |
| 06/30/2024 | 08/02/2024 | 10-Q |
| 03/31/2024 | 05/03/2024 | 10-Q |
| 12/31/2023 | 02/26/2024 | 10-K |
| 09/30/2023 | 11/06/2023 | 10-Q |
| 06/30/2023 | 08/04/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 02/24/2023 | 10-K |
| 09/30/2022 | 11/04/2022 | 10-Q |
| 06/30/2022 | 08/09/2022 | 10-Q |
| 03/31/2022 | 05/09/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Allison, John W | Chairman & CEO | Direct | Sell | 8272025 | 30.02 | 110,000 | 3,302,200 | 166,334,096 | Form |
| 2 | Tipton, John Stephen | Centennial Bank CEO | Direct | Sell | 6202025 | 27.52 | 24,159 | 664,856 | 1,467,036 | Form |
| 3 | Hester, Kevin | President and CLO | 401(k) | Sell | 5132025 | 29.71 | 6,345 | Form | ||
| 4 | Hester, Kevin | President and CLO | IRA | Sell | 5122025 | 28.67 | 7,128 | Form | ||
| 5 | Floyd, Jennifer C | Chief Accounting Officer | Direct | Sell | 4232025 | 27.45 | 2,500 | 68,625 | 118,062 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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