Home BancShares Inc (HOMB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Home BancShares Inc stock $22.19, price $29.86, that is 25.7% below the price, quality 62 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
- Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with one Yes, for free
Home BancShares Inc
HOMB · USOur calculation puts a fair price 26% below what the stock costs today.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $17.71 – $31.39 · fair‑value band $19.11 – $29.77 · the $29.86 price screens above the $22.19 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
Every Wednesday you see whether Home BancShares is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
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.
Show moreShow less
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.
Stock analysis
Home BancShares Inc (HOMB) currently trades at $29.86, while our model-based Fair Value estimate is $22.19, 26% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $25.48 per share, and 1 of the 6 models we run sit above the $29.86 price.
Bear case: the Asset-Based group reads lowest at $9.60, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $19.11 (bear) to $29.77 (bull), the price of $29.86 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 62/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Home BancShares Inc reported revenue of $1.4B in FY2025 versus $752M in FY2021, a compound +16.3%/yr. Reported net income was $475M in FY2025, compounding +10.5%/yr from FY2021.
Key figures
Market cap $5.9B Mid · P/E ratio 12.2 · P/S ratio 5.29 · EPS (TTM) $2.44 · Dividend yield 2.9% · Net margin 43.5% · Return on equity 11.1% · Return on assets (EBIT) 2.2% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 17% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −26%, HOMB screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors sold shares worth $1.3M and none bought.
- SaleJohn W Allison IIDirector3× since Feb 23, 2026: 20,500 shares, avg. $29.24$599,493Oct 29, 2026
- SaleJim RankinDirector15,000 shares at $30.86$462,900Aug 11, 2026
- SaleJohn Stephen TiptonCentennial Bank CEO12,000 shares at $31.59$379,080Aug 4, 2026
- SaleJennifer C. FloydChief Accounting Officer3,000 shares at $27.12$81,360Apr 21, 2026
- BuyJohn W AllisonChairman & CEO, Director100,000 shares at $26.96$2.7MApr 17, 2026
- SaleJames G HinkleDirector30,000 shares at $30.27$908,100Feb 11, 2026
- SaleDonna TownsellDirector of Investor Relations, Director5,563 shares at $28.38$157,878Jan 28, 2026
Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
HOMB screens overvalued: fair value 26% below the price. Compare with China Merchants Bank Co →
Earlier news
- Home BancShares stock rises on expanded buyback program
- Home BancShares, Inc. Increases Share Repurchase Program and Announces Fourth Quarter Cash Dividend
- HOMB Q3 Deep Dive: Margin Expansion and Capital Returns Drive Performance
- 5 Revealing Analyst Questions From Home Bancshares’s Q3 Earnings Call
Compare Home BancShares Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Return on assets by industry
- Fair value gap by industry
- Piotroski F-Score screener with fair value
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs HOMB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs HOMB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs HOMB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs HOMB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs HOMB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs HOMB |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs HOMB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs HOMB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs HOMB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs HOMB |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Home BancShares Inc (HOMB) overvalued or undervalued?
What is the fair value of HOMB?
What is the quality score of HOMB?
What is the price target for Home BancShares Inc (HOMB)?
What is the Home BancShares Inc stock forecast for 2026?
What is the revenue of Home BancShares Inc (HOMB)?
Does Home BancShares Inc pay a dividend?
How much is the dividend of Home BancShares Inc (HOMB) and when is the ex-dividend date?
What is the intrinsic value of Home BancShares Inc (HOMB)?
Is Home BancShares Inc stock overvalued or undervalued in 2026?
Is fair value the same as the market price of HOMB?
How much is Home BancShares Inc worth?
What do the bullish and bearish scenarios say about HOMB?
What is the P/E ratio of HOMB?
What is the PEG ratio of HOMB?
How solid is the balance sheet of Home BancShares Inc (HOMB)?
How far is HOMB from its 52-week high?
Which stocks are comparable to Home BancShares Inc?
Is Home BancShares Inc stock attractive at the current price?
How is the fair value of HOMB calculated?
Is it still worth investing in stocks now?
What is the share price of Home BancShares Inc (HOMB)?
What should I pay attention to with Home BancShares Inc right now?
Where does the earnings growth of Home BancShares Inc (HOMB) come from?
Key figures of Home BancShares Inc
How large is the market capitalisation of Home BancShares Inc (HOMB)?
What is the P/S ratio of Home BancShares Inc (HOMB)?
What are the earnings per share of Home BancShares Inc (HOMB)?
What is the dividend yield of Home BancShares Inc (HOMB)?
What is the net margin of Home BancShares Inc (HOMB)?
What is the return on equity of Home BancShares Inc (HOMB)?
What is the EBIT return on assets of Home BancShares Inc (HOMB)?
What is the operating margin of Home BancShares Inc (HOMB)?
How fast is revenue growing at Home BancShares Inc (HOMB)?
How fast are earnings growing at Home BancShares Inc (HOMB)?
How much free cash flow does Home BancShares Inc (HOMB) generate?
How much net debt does Home BancShares Inc (HOMB) carry?
Watch Home BancShares Inc in the live analysis
One click puts Home BancShares Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.