Home Bancshares Financials

HOMB

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

This page shows Home Bancshares (HOMB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Financial Health Signals

Financial Profile 50/100

Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores

Growth

Home Bancshares's revenue grew 10.6% year-over-year to $1.3B, a solid pace of expansion. This earns a growth score of 59/100.

Leverage

Home Bancshares has elevated debt relative to equity (D/E of 4.68), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Cash Flow

100

Home Bancshares converts 32.5% of revenue into free cash flow ($422.1M). This strong cash generation earns a score of 100/100.

Returns

Home Bancshares's ROE of 10.2% shows moderate profitability relative to equity, earning a score of 41/100. This is down from 10.4% the prior year.

Piotroski F-Score Neutral

6/9

Home Bancshares passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.15x

For every $1 of reported earnings, Home Bancshares generates $1.15 in operating cash flow ($460.6M OCF vs $402.2M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Revenue

$1.3B

YoY+10.6%

5Y CAGR+12.6%

10Y CAGR+14.5%

Home Bancshares generated $1.3B in revenue in fiscal year 2024. This represents an increase of 10.6% from the prior year.

EBITDA

N/A

Free Cash Flow

$422.1M

YoY+18.2%

5Y CAGR+12.7%

10Y CAGR+5.6%

Home Bancshares generated $422.1M in free cash flow in fiscal year 2024, representing cash available after capex. This represents an increase of 18.2% from the prior year.

Net Income

$402.2M

YoY+2.4%

5Y CAGR+6.8%

10Y CAGR+13.5%

Home Bancshares reported $402.2M in net income in fiscal year 2024. This represents an increase of 2.4% from the prior year.

EPS (Diluted)

$2.01

YoY+3.6%

5Y CAGR+3.0%

10Y CAGR+9.0%

Home Bancshares earned $2.01 per diluted share (EPS) in fiscal year 2024. This represents an increase of 3.6% from the prior year.

Cash & Debt

$910.3M

YoY-9.0%

5Y CAGR+13.2%

10Y CAGR+23.3%

Home Bancshares held $910.3M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.75

YoY+4.2%

5Y CAGR+8.0%

10Y CAGR+15.7%

Home Bancshares paid $0.75 per share in dividends in fiscal year 2024. This represents an increase of 4.2% from the prior year.

Shares Outstanding

199M

YoY-1.3%

5Y CAGR+3.6%

10Y CAGR+11.4%

Home Bancshares had 199M shares outstanding in fiscal year 2024. This represents a decrease of 1.3% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

30.9%

YoY-2.5pp

5Y CAGR-9.4pp

10Y CAGR-2.7pp

Home Bancshares's net profit margin was 30.9% in fiscal year 2024, showing the share of revenue converted to profit. This is down 2.5 percentage points from the prior year.

Return on Equity

10.2%

YoY-0.2pp

5Y CAGR-1.4pp

10Y CAGR-1.0pp

Home Bancshares's ROE was 10.2% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.2 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$86.5M

YoY+77.3%

5Y CAGR+0.4%

Home Bancshares spent $86.5M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents an increase of 77.3% from the prior year.

Capital Expenditures

$38.5M

YoY+71.5%

5Y CAGR+20.9%

10Y CAGR+88.8%

Home Bancshares invested $38.5M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents an increase of 71.5% from the prior year.

HOMB Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$1.3B+10.6%	$1.2B+33.9%	$877.8M+40.4%	$625.2M-7.5%	$676.0M-5.9%	$718.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$451.0M+29.6%	$348.1M+192.3%	$119.1M+128.1%	$52.2M-44.1%	$93.4M-39.6%	$154.8M
Income Tax	$120.1M+1.0%	$119.0M+33.2%	$89.3M-8.6%	$97.8M+54.5%	$63.3M-34.2%	$96.1M
Net Income	$402.2M+2.4%	$392.9M+28.7%	$305.3M-4.3%	$319.0M+48.8%	$214.4M-25.9%	$289.5M
EPS (Diluted)	$2.01+3.6%	$1.94+23.6%	$1.57-19.1%	$1.94+49.2%	$1.30-24.9%	$1.73

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$323.5M+1.4%	$319.1M+2.1%	$312.5M-3.2%	$322.7M-1.4%	$327.3M+3.3%	$316.9M+3.5%	$306.2M+4.1%	$294.3M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$97.4M-1.8%	$99.2M+1.3%	$97.9M-7.3%	$105.6M-8.6%	$115.5M+2.8%	$112.3M+8.6%	$103.5M+12.0%	$92.3M
Income Tax	$35.7M+6.4%	$33.6M+5.1%	$31.9M+10.6%	$28.9M-9.4%	$31.9M+5.3%	$30.3M+14.1%	$26.6M-13.9%	$30.8M
Net Income	$123.6M+4.4%	$118.4M+2.8%	$115.2M+14.6%	$100.6M-1.0%	$101.5M+1.4%	$100.1M+16.1%	$86.2M-12.4%	$98.5M
EPS (Diluted)	$0.63+5.0%	$0.60+3.4%	$0.58+16.0%	$0.50-2.0%	$0.51+2.0%	$0.50+19.0%	$0.42-14.3%	$0.49

HOMB Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$22.5B-0.7%	$22.7B-1.0%	$22.9B+26.8%	$18.1B+10.1%	$16.4B+9.1%	$15.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$910.3M-9.0%	$1.0B+38.0%	$724.8M-80.1%	$3.7B+188.8%	$1.3B+157.6%	$490.6M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.4B0.0%	$1.4B0.0%	$1.4B+43.7%	$973.0M0.0%	$973.0M+1.5%	$958.4M
Total Liabilities	$18.5B-1.8%	$18.9B-2.5%	$19.4B+26.6%	$15.3B+10.8%	$13.8B+10.2%	$12.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$4.0B+4.5%	$3.8B+7.5%	$3.5B+27.5%	$2.8B+6.1%	$2.6B+3.8%	$2.5B
Retained Earnings	$1.9B+14.9%	$1.7B+17.1%	$1.4B+14.0%	$1.3B+21.8%	$1.0B+8.7%	$956.6M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$22.7B-0.9%	$22.9B-0.4%	$23.0B+2.2%	$22.5B-1.9%	$22.9B+0.4%	$22.8B+0.8%	$22.7B+3.2%	$22.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$800.9M-27.3%	$1.1B-15.0%	$1.3B+42.3%	$910.3M-14.0%	$1.1B-9.9%	$1.2B+17.5%	$1.0B+104.9%	$488.1M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.4B0.0%	$1.4B0.0%	$1.4B0.0%	$1.4B0.0%	$1.4B0.0%	$1.4B0.0%	$1.4B0.0%	$1.4B
Total Liabilities	$18.5B-1.7%	$18.8B-0.7%	$18.9B+2.3%	$18.5B-2.8%	$19.1B+0.2%	$19.0B+0.8%	$18.9B+3.1%	$18.3B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$4.2B+3.2%	$4.1B+1.1%	$4.0B+2.1%	$4.0B+2.7%	$3.9B+1.2%	$3.8B+0.5%	$3.8B+3.7%	$3.7B
Retained Earnings	$2.2B+4.0%	$2.1B+3.9%	$2.0B+3.9%	$1.9B+6.8%	$1.8B+3.7%	$1.8B+3.8%	$1.7B+3.0%	$1.6B

HOMB Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$460.6M+21.3%	$379.7M-8.1%	$413.2M+6.1%	$389.4M+33.5%	$291.7M+17.9%	$247.4M
Capital Expenditures	$38.5M+71.5%	$22.5M+14.7%	$19.6M+90.4%	$10.3M-11.0%	$11.5M-22.5%	$14.9M
Free Cash Flow	$422.1M+18.2%	$357.2M-9.2%	$393.6M+3.8%	$379.1M+35.3%	$280.2M+20.5%	$232.5M
Investing Cash Flow	$5.7M-99.0%	$578.5M+156.5%	-$1.0B-264.0%	$624.7M+195.8%	-$651.9M-394.1%	$221.7M
Financing Cash Flow	-$556.2M+18.5%	-$682.7M+70.5%	-$2.3B-268.6%	$1.4B+21.1%	$1.1B+278.1%	-$636.4M
Dividends Paid	$150.0M+2.8%	$145.9M+13.6%	$128.4M+39.4%	$92.1M+5.1%	$87.7M+2.4%	$85.6M
Share Buybacks	$86.5M+77.3%	$48.8M-31.2%	$70.9M+59.3%	$44.5M+73.1%	$25.7M-69.7%	$84.9M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$115.2M+46.9%	$78.4M-33.0%	$117.0M+55.8%	$75.1M-31.3%	$109.4M-25.9%	$147.5M+27.7%	$115.5M+16.5%	$99.1M
Capital Expenditures	$2.9M-63.6%	$8.0M+16.2%	$6.9M-51.7%	$14.3M+39.5%	$10.2M+507.6%	$1.7M-66.1%	$5.0M-37.9%	$8.0M
Free Cash Flow	$112.2M+59.4%	$70.4M-36.1%	$110.1M+81.0%	$60.9M-38.6%	$99.2M-32.0%	$145.9M+32.0%	$110.5M+21.3%	$91.1M
Investing Cash Flow	-$52.3M+36.6%	-$82.5M-43.3%	-$57.6M-142.8%	$134.6M+164.6%	-$208.5M-734.6%	-$25.0M+75.1%	-$100.3M-5450.3%	-$1.8M
Financing Cash Flow	-$363.0M-90.5%	-$190.5M-158.5%	$325.9M+202.8%	-$317.1M-1718.0%	-$17.4M-133.2%	$52.5M-89.4%	$497.0M+325.5%	-$220.4M
Dividends Paid	$39.4M-0.2%	$39.5M+1.9%	$38.8M0.0%	$38.8M+7.4%	$36.1M-0.3%	$36.2M-0.2%	$36.3M-0.4%	$36.5M
Share Buybacks	$10.0M-63.5%	$27.5M-7.8%	$29.8M+1113.5%	$2.5M-92.5%	$32.9M+36.2%	$24.2M+36.0%	$17.8M+214.0%	$5.7M

HOMB Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	30.9%-2.5pp	33.4%-1.3pp	34.8%-16.2pp	51.0%+19.3pp	31.7%-8.6pp	40.3%
Return on Equity	10.2%-0.2pp	10.4%+1.7pp	8.7%-2.9pp	11.5%+3.3pp	8.2%-3.3pp	11.5%
Return on Assets	1.8%+0.1pp	1.7%+0.4pp	1.3%-0.4pp	1.8%+0.5pp	1.3%-0.6pp	1.9%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.68-0.3	4.98-0.5	5.49-0.0	5.53+0.2	5.29+0.3	4.99
FCF Margin	32.5%+2.1pp	30.4%-14.4pp	44.8%-15.8pp	60.6%+19.2pp	41.4%+9.1pp	32.4%

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	38.2%+1.1pp	37.1%+0.2pp	36.9%+5.7pp	31.2%+0.1pp	31.0%-0.6pp	31.6%+3.4pp	28.2%-5.3pp	33.5%
Return on Equity	2.9%+0.0pp	2.9%+0.1pp	2.9%+0.3pp	2.5%-0.1pp	2.6%0.0pp	2.6%+0.4pp	2.3%-0.4pp	2.7%
Return on Assets	0.5%+0.0pp	0.5%+0.0pp	0.5%+0.1pp	0.4%0.0pp	0.4%0.0pp	0.4%+0.1pp	0.4%-0.1pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.39-0.2	4.61-0.1	4.690.0	4.68-0.3	4.94-0.0	4.99+0.0	4.98-0.0	5.01
FCF Margin	34.7%+12.6pp	22.1%-13.2pp	35.2%+16.4pp	18.9%-11.4pp	30.3%-15.7pp	46.0%+9.9pp	36.1%+5.1pp	31.0%

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Frequently Asked Questions

What is Home Bancshares's annual revenue?

Home Bancshares (HOMB) reported $1.3B in total revenue for fiscal year 2024. This represents a 10.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Home Bancshares's revenue growing?

Home Bancshares (HOMB) revenue grew by 10.6% year-over-year, from $1.2B to $1.3B in fiscal year 2024.

Is Home Bancshares profitable?

Yes, Home Bancshares (HOMB) reported a net income of $402.2M in fiscal year 2024, with a net profit margin of 30.9%.

What is Home Bancshares's earnings per share (EPS)?

Home Bancshares (HOMB) reported diluted earnings per share of $2.01 for fiscal year 2024. This represents a 3.6% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Home Bancshares's net profit margin?

Home Bancshares (HOMB) had a net profit margin of 30.9% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Home Bancshares pay dividends?

Yes, Home Bancshares (HOMB) paid $0.75 per share in dividends during fiscal year 2024.

What is Home Bancshares's return on equity (ROE)?

Home Bancshares (HOMB) has a return on equity of 10.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Home Bancshares's free cash flow?

Home Bancshares (HOMB) generated $422.1M in free cash flow during fiscal year 2024. This represents a 18.2% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Home Bancshares's operating cash flow?

Home Bancshares (HOMB) generated $460.6M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Home Bancshares's total assets?

Home Bancshares (HOMB) had $22.5B in total assets as of fiscal year 2024, including both current and long-term assets.

What are Home Bancshares's capital expenditures?

Home Bancshares (HOMB) invested $38.5M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.

Does Home Bancshares buy back shares?

Yes, Home Bancshares (HOMB) spent $86.5M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Home Bancshares have outstanding?

Home Bancshares (HOMB) had 199M shares outstanding as of fiscal year 2024.

What is Home Bancshares's debt-to-equity ratio?

Home Bancshares (HOMB) had a debt-to-equity ratio of 4.68 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Home Bancshares's return on assets (ROA)?

Home Bancshares (HOMB) had a return on assets of 1.8% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Home Bancshares's Piotroski F-Score?

Home Bancshares (HOMB) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Home Bancshares's earnings high quality?

Home Bancshares (HOMB) has an earnings quality ratio of 1.15x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Home Bancshares?

Home Bancshares (HOMB) scores 50 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.