NYSE : HOMB
Home BancShares, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 30.09 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 5.99B
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 1.16B | 1.12B | 1.10B | 989.62M | 728.34M | 571.96M |
| Interest Income on Investments | 150.73M | 163.34M | 199.77M | 185.44M | 149.42M | 53.21M |
| Total Interest Income | 1.31B | 1.28B | 1.30B | 1.18B | 877.77M | 625.17M |
| Interest Paid on Deposits | 336.60M | 346.98M | 376.64M | 295.98M | 85.99M | 24.94M |
| Interest Paid on Borrowings | 30.66M | 39.48M | 74.36M | 52.13M | 33.10M | 27.26M |
| Total Interest Expense | 367.26M | 386.46M | 451.00M | 348.11M | 119.09M | 52.20M |
| Net Interest Income | 939.13M | 892.36M | 848.77M | 826.95M | 758.68M | 572.97M |
| Trust Income | 20.68M | 19.71M | 18.72M | 17.89M | 12.86M | 1.96M |
| Mortgage Banking Activities | 18.03M | 17.75M | 15.79M | 10.74M | 17.66M | 25.68M |
| Gain (Loss) on Sale of Assets | 751.00K | 754.00K | 2.10M | 1.51M | 15.00K | -105.00K |
| Gain (Loss) on Sale of Investments | -174.00K | 2.40M | 2.97M | -1.09M | -1.27M | 7.40M |
| Other Non-Interest Income | 114.24M | 117.70M | 91.17M | 97.96M | 93.06M | 75.98M |
| Total Non-Interest Income | 196.16M | 198.96M | 168.32M | 166.82M | 160.11M | 137.57M |
| Revenues Before Loan Losses | 1.14B | 1.09B | 1.02B | 993.76M | 918.79M | 710.54M |
| Provision for Loan Losses | 20.10M | 20.91M | 48.07M | 12.13M | 63.59M | -4.75M |
| Revenue | 1.12B | 1.07B | 969.02M | 981.63M | 855.20M | 715.29M |
| Salaries and Employee Benefits | 251.75M | 242.15M | 231.80M | 247.69M | 229.75M | 161.91M |
| Occupancy Expenses | 50.27M | 47.08M | 47.67M | 51.11M | 44.55M | 27.74M |
| Selling, General & Administrative | 66.12M | 64.05M | 63.17M | 63.65M | 60.92M | 46.87M |
| Other Non-Interest Expense | 105.21M | 102.54M | 102.03M | 97.43M | 85.64M | 60.11M |
| Total Non-Interest Expense | 473.36M | 455.81M | 444.68M | 459.88M | 420.86M | 296.63M |
| EBT Excluding Unusual Items | 641.83M | 614.61M | 524.35M | 521.75M | 434.35M | 418.66M |
| Legal Settlements | -3.30M | 10.00M | ||||
| Other Unusual Items | -2.07M | -366.00K | -2.26M | -12.98M | -176.00K | |
| Pretax Income | 626.87M | 611.79M | 522.34M | 511.88M | 394.57M | 416.77M |
| Income Tax Expense | 141.65M | 136.35M | 120.10M | 118.95M | 89.31M | 97.75M |
| Net Income | 485.21M | 475.44M | 402.24M | 392.93M | 305.26M | 319.02M |
| Net Income to Common | 485.21M | 475.44M | 402.24M | 392.93M | 305.26M | 319.02M |
| Basic Shares Outstanding | 198.55M | 197.45M | 199.94M | 202.63M | 194.69M | 164.50M |
| Diluted Shares Outstanding | 198.75M | 197.65M | 200.07M | 202.77M | 195.02M | 164.86M |
| EPS (Basic) | 2.44 | 2.41 | 2.01 | 1.94 | 1.57 | 1.94 |
| EPS (Diluted) | 2.44 | 2.41 | 2.01 | 1.94 | 1.57 | 1.94 |
| Dividend Per Share | 0.86 | 0.81 | 0.75 | 0.72 | 0.66 | 0.56 |
| Effective Tax Rate | 22.60% | 22.29% | 22.99% | 23.24% | 22.63% | 23.46% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 863.08M | 670.34M | 914.07M | 1.01B | 724.79M | 3.65B |
| Investment Securities | 3.86B | 2.88B | 2.95B | 3.19B | 3.55B | 1.71B |
| Mortgage-Backed Securities | 1.47B | 1.62B | 1.83B | 2.00B | 1.54B | |
| Total Investments | 3.86B | 4.36B | 4.57B | 5.01B | 5.55B | 3.24B |
| Gross Loans | 16.91B | 15.48B | 14.67B | 14.30B | 14.33B | 9.76B |
| Allowance for Loan Losses | -326.22M | -297.58M | -275.88M | -288.23M | -289.67M | -236.71M |
| Net Loans | 16.58B | 15.18B | 14.39B | 14.01B | 14.04B | 9.53B |
| Property, Plant & Equipment | 439.73M | 369.32M | 386.32M | 393.30M | 405.07M | 275.76M |
| Goodwill | 1.41B | 1.40B | 1.40B | 1.40B | 1.40B | 973.02M |
| Other Intangible Assets | 62.65M | 32.29M | 40.33M | 48.77M | 58.45M | 25.05M |
| Loans Held for Sale | 204.00M | 98.70M | 123.40M | 79.90M | 72.70M | |
| Accrued Interest Receivable | 111.69M | 108.94M | 120.13M | 118.97M | 103.20M | 46.74M |
| Long-Term Deferred Tax Assets | 170.00M | 148.02M | 186.70M | 197.16M | 209.32M | 78.29M |
| Other Real Estate Owned & Foreclosed | 44.51M | 39.83M | 43.47M | 31.27M | 620.00K | 1.63M |
| Other Long-Term Assets | 595.78M | 369.86M | 338.62M | 314.10M | 318.87M | 157.56M |
| Total Assets | 24.15B | 22.88B | 22.49B | 22.66B | 22.88B | 18.05B |
| Interest Bearing Deposits | 14.55B | 12.33B | 11.94B | 11.61B | 12.13B | 9.60B |
| Institutional Deposits | 1.28B | 1.20B | 1.09B | 639.30M | 537.40M | |
| Non-Interest Bearing Deposits | 4.21B | 3.87B | 4.01B | 4.09B | 5.16B | 4.13B |
| Total Deposits | 18.76B | 17.48B | 17.15B | 16.79B | 17.94B | 14.26B |
| Short-Term Borrowings | 161.18M | 256.05M | 263.10M | 843.38M | 181.15M | 140.89M |
| Current Portion of Leases | 9.80M | 10.26M | 9.37M | 8.33M | 7.71M | |
| Accrued Interest Payable | 169.13M | 14.87M | 20.19M | 19.12M | 10.62M | 4.80M |
| Long-Term Debt | 279.77M | 279.26M | 439.25M | 439.83M | 440.42M | 299.82M |
| Federal Home Loan Bank Debt, Long-Term | 250.25M | 400.00M | 500.00M | 600.00M | 600.00M | 400.00M |
| Long-Term Leases | 24.99M | 34.93M | 35.66M | 37.62M | 34.70M | |
| Trust Preferred Securities | 71.27M | |||||
| Other Long-Term Liabilities | 120.08M | 115.70M | 130.50M | 140.30M | 66.66M | |
| Total Liabilities | 19.62B | 18.59B | 18.53B | 18.87B | 19.36B | 15.29B |
| Common Stock | 1.99M | 1.96M | 1.99M | 2.02M | 2.03M | 1.64M |
| Additional Paid-In Capital | 2.27B | 2.20B | 2.27B | 2.35B | 2.39B | 1.49B |
| Retained Earnings | 2.50B | 2.26B | 1.94B | 1.69B | 1.44B | 1.27B |
| Comprehensive Income & Other | -233.83M | -165.89M | -256.11M | -249.07M | -305.46M | 10.46M |
| Shareholders' Equity | 4.53B | 4.30B | 3.96B | 3.79B | 3.53B | 2.77B |
| Total Liabilities & Equity | 24.15B | 22.88B | 22.49B | 22.66B | 22.88B | 18.05B |
| Total Debt | 691.21M | 970.11M | 1.25B | 1.93B | 1.27B | 954.39M |
| Net Cash (Debt) | 171.87M | -299.77M | -333.46M | -922.93M | -542.73M | 2.70B |
| Net Cash Per Share | 0.86 | -1.52 | -1.67 | -4.55 | -2.78 | 16.35 |
| Filing Date Shares Outstanding | 199.21M | 196.63M | 198.55M | 201.14M | 203.61M | 163.89M |
| Total Common Shares Outstanding | 199.21M | 196.36M | 198.88M | 201.53M | 203.43M | 163.70M |
| Book Value Per Share | 22.74 | 21.88 | 19.92 | 18.81 | 17.33 | 16.90 |
| Tangible Book Value | 3.06B | 2.87B | 2.52B | 2.34B | 2.07B | 1.77B |
| Tangible Book Value Per Share | 15.35 | 14.60 | 12.68 | 11.63 | 10.17 | 10.80 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 475.44M | 402.24M | 392.93M | 305.26M | 319.02M | |
| Depreciation & Amortization | 29.19M | 29.20M | 30.93M | 31.86M | 19.48M | |
| Gain (Loss) on Sale of Assets | -2.67M | -542.00K | -2.12M | -698.00K | -4.50M | |
| Gain (Loss) on Sale of Investments | -3.36M | 7.34M | 8.11M | 23.61M | 21.34M | |
| Provision for Credit Losses | 23.10M | 48.40M | 10.45M | 61.58M | -4.75M | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -105.31M | 3.20M | -43.60M | -7.12M | 42.10M | |
| Accrued Interest Receivable | 11.19M | -1.16M | -15.77M | -24.47M | 13.79M | |
| Change in Other Net Operating Assets | -25.93M | -19.00M | 9.51M | 9.34M | 1.76M | |
| Other Operating Activities | 2.40M | 3.45M | -8.73M | -1.59M | 1.82M | |
| Operating Cash Flow | 399.28M | 460.65M | 379.67M | 413.17M | 389.38M | |
| Capital Expenditures | -22.27M | -38.53M | -22.46M | -19.58M | -10.28M | |
| Sale of Property, Plant and Equipment | 18.81M | 26.27M | 13.91M | 10.56M | ||
| Cash Acquisitions | 858.58M | |||||
| Investment in Securities | 335.22M | 427.07M | 592.07M | -964.24M | -726.57M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -817.72M | -412.46M | -5.07M | -912.20M | 1.35B | |
| Other Investing Activities | 15.64M | 3.32M | 5.00K | 2.60M | 8.02M | |
| Investing Cash Flow | -470.32M | 5.67M | 578.46M | -1.02B | 624.66M | |
| Short-Term Debt Issued | 20.27M | 10.94M | ||||
| Long-Term Debt Issued | 1.40B | 6.48B | 897.32M | |||
| Total Debt Issued | 1.42B | 6.49B | 897.32M | |||
| Short-Term Debt Repaid | -6.55M | -9.74M | -28.05M | |||
| Long-Term Debt Repaid | -258.55M | -2.10B | -5.83B | -825.83M | ||
| Total Debt Repaid | -265.10M | -2.10B | -5.83B | -835.57M | -28.05M | |
| Net Debt Issued (Repaid) | -265.10M | -680.28M | 662.24M | 61.76M | -28.05M | |
| Issuance of Common Stock | 602.00K | 2.02M | 802.00K | 156.00K | 2.37M | |
| Repurchase of Common Stock | -82.22M | -86.49M | -48.77M | -70.86M | -44.48M | |
| Common Dividends Paid | -158.92M | -150.00M | -145.90M | -128.42M | -92.14M | |
| Net Increase (Decrease) in Deposit Accounts | 333.66M | 358.59M | -1.15B | -2.18B | 1.53B | |
| Financing Cash Flow | -171.97M | -556.18M | -682.71M | -2.31B | 1.37B | |
| Net Cash Flow | -243.01M | -89.87M | 275.42M | -2.93B | 2.39B | |
| Free Cash Flow | 377.02M | 422.12M | 357.20M | 393.59M | 379.10M | |
| Free Cash Flow Margin | 35.22% | 43.56% | 36.39% | 46.02% | 53.00% | |
| Free Cash Flow Per Share | 1.91 | 2.11 | 1.76 | 2.02 | 2.30 | |
| Cash Interest Paid | 391.78M | 449.94M | 339.61M | 115.05M | 53.33M | |
| Cash Income Tax Paid | 109.63M | 110.69M | 134.11M | 86.58M | 98.32M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 5.93B | 5.46B | 5.63B | 5.11B | 4.65B | 3.98B |
| Last Close Price | 29.77 | 27.16 | 26.92 | 23.41 | 20.39 | 21.18 |
| PE Ratio | 12.18 | 11.48 | 13.99 | 13.01 | 15.23 | 12.49 |
| PS Ratio | 5.32 | 5.10 | 5.81 | 5.21 | 5.44 | 5.57 |
| PB Ratio | 1.31 | 1.27 | 1.42 | 1.35 | 1.32 | 1.44 |
| P/FCF Ratio | 13.80 | 14.47 | 13.33 | 14.31 | 11.81 | 10.51 |
| P/OCF Ratio | 13.12 | 13.67 | 12.21 | 13.46 | 11.25 | 10.23 |
| Debt / Equity Ratio | 0.15 | 0.23 | 0.32 | 0.51 | 0.36 | 0.34 |
| Debt / FCF Ratio | 2.57 | 2.96 | 5.40 | 3.22 | 2.52 | |
| Net Debt / Equity Ratio | -0.04 | 0.07 | 0.08 | 0.24 | 0.15 | -0.97 |
| Net Debt / FCF Ratio | 0.80 | 0.79 | 2.58 | 1.38 | -7.11 | |
| Return on Equity (ROE) | 11.10% | 11.52% | 10.38% | 10.74% | 9.70% | 11.88% |
| Return on Assets (ROA) | 2.07% | 2.10% | 1.78% | 1.73% | 1.49% | 1.85% |
| Earnings Yield | 8.21% | 8.71% | 7.15% | 7.69% | 6.57% | 8.01% |
| FCF Yield | 7.25% | 6.91% | 7.50% | 6.99% | 8.47% | 9.52% |
| Dividend Yield | 3.09% | 2.90% | 2.65% | 2.84% | 2.89% | 2.30% |
| Payout Ratio | 36.01% | 33.43% | 37.29% | 37.13% | 42.07% | 28.88% |
| Buyback Yield / Dilution | -0.27% | 1.21% | 1.33% | -3.98% | -18.30% | 0.31% |
| Total Shareholder Return | 2.82% | 4.11% | 3.98% | -1.14% | -15.41% | 2.61% |