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Upturn AI SWOT - About
HOMB 
Home BancShares Inc (HOMB)
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Upturn Advisory Summary
03/27/2025: HOMB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -29.95% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 5.59B USD | Price to earnings Ratio 14 | 1Y Target Price 32.83 |
Price to earnings Ratio 14 | 1Y Target Price 32.83 | ||
Volume (30-day avg) 1119938 | Beta 1.07 | 52 Weeks Range 21.78 - 32.70 | Updated Date 03/30/2025 |
52 Weeks Range 21.78 - 32.70 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 2.77% | Basic EPS (TTM) 2.01 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 41.51% | Operating Margin (TTM) 53.55% |
Management Effectiveness
Return on Assets (TTM) 1.78% | Return on Equity (TTM) 10.38% |
Valuation
Trailing PE 14 | Forward PE 12.79 | Enterprise Value 5920681472 | Price to Sales(TTM) 5.77 |
Enterprise Value 5920681472 | Price to Sales(TTM) 5.77 | ||
Enterprise Value to Revenue 6.62 | Enterprise Value to EBITDA - | Shares Outstanding 198551008 | Shares Floating 184050532 |
Shares Outstanding 198551008 | Shares Floating 184050532 | ||
Percent Insiders 6.15 | Percent Institutions 71.83 |
Analyst Ratings
Rating 4.14 | Target Price 28.33 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Home BancShares Inc
Company Overview
History and Background
Home BancShares, Inc. was founded in 1998 in Conway, Arkansas. It initially focused on serving community banking needs in Arkansas and has since expanded through organic growth and acquisitions across multiple states in the Southeast.
Core Business Areas
- Community Banking: Provides a range of banking services including loans, deposits, and other financial products to individuals and businesses.
- Mortgage Lending: Offers residential mortgage lending services.
- Wealth Management: Provides wealth management and trust services to clients.
Leadership and Structure
The leadership team is headed by John Allison as Chairman, and the organizational structure involves regional presidents overseeing banking operations within different geographic areas.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, working capital, and equipment purchases. Market share data specific to commercial loans attributed directly to Home BancShares is unavailable. Competitors include regional and national banks such as Regions Financial (RF) and Bank of America (BAC).
- Residential Mortgages: Mortgage loans for home purchases and refinancing. Market share data specific to Home BancShares is unavailable, but they compete with national mortgage lenders like Rocket Companies (RKT) and PennyMac Financial Services (PFSI).
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. They compete with all other banks, including national banks and credit unions. Specific market share is not readily available.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with fluctuating interest rates, increased regulatory scrutiny, and technological disruptions. Regional banks are facing competition from larger national banks and fintech companies.
Positioning
Home BancShares positions itself as a strong regional bank with a focus on community banking and personalized service. Its competitive advantage lies in its deep local market knowledge and strong customer relationships.
Total Addressable Market (TAM)
The TAM for banking services encompasses all banking needs in the geographic areas Home BancShares serves. The total value is estimated in the billions of dollars annually, and Home BancShares aims to capture a significant portion through its community-focused strategy. Specific estimates are difficult to obtain.
Upturn SWOT Analysis
Strengths
- Strong presence in key markets
- Experienced management team
- Solid asset quality
- Effective risk management
- Proven track record of acquisitions
Weaknesses
- Limited geographic diversification compared to larger banks
- Reliance on traditional banking model
- Potential for increased regulatory costs
- Vulnerability to economic downturns in its primary markets
Opportunities
- Further expansion through strategic acquisitions
- Growth in wealth management services
- Increased adoption of digital banking solutions
- Expansion into new markets with strong growth potential
Threats
- Rising interest rates impacting loan demand
- Increased competition from larger banks and fintech companies
- Economic slowdown affecting loan performance
- Changes in regulatory environment
Competitors and Market Share
Key Competitors
- RF
- FITB
- BOH
Competitive Landscape
Home BancShares is a strong regional player, but it faces competition from larger national and regional banks that have greater resources and broader geographic reach.
Major Acquisitions
StoneGate Bank
- Year: 2017
- Acquisition Price (USD millions): 77.1
- Strategic Rationale: Expanded Home BancShares' presence into Florida.
Growth Trajectory and Initiatives
Historical Growth: Home BancShares has demonstrated growth through both organic expansion and acquisitions over the past years.
Future Projections: Analyst estimates for future growth would require accessing financial analyst reports. Typically growth is expected to continue in the Southeast banking market.
Recent Initiatives: Recent strategic initiatives would need to be identified from company announcements, investor presentations, and news articles. Example include expanding digital services or recent acquistions.
Summary
Home BancShares is a solid regional bank with a proven growth strategy through acquisitions and organic expansion. The company benefits from strong asset quality and an experienced management team. Competition from larger banks and changing economic conditions pose potential challenges. Successfully navigating these challenges while capitalizing on growth opportunities will determine future success.
Similar Companies
- RF
- FITB
- CADE
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Outlets
- Analyst Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market share data is approximate and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Home BancShares Inc
Exchange NYSE | Headquaters Conway, AR, United States | ||
IPO Launch date 2006-06-23 | Co-Founder, Chairman & CEO Mr. John W. Allison | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 2552 | Website https://www.homebancshares.com |
Full time employees 2552 | Website https://www.homebancshares.com | ||
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 in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit. It also provides non-farm/non-residential real estate, construction/land development, residential mortgage, consumer, agricultural, and commercial and industrial loans. In addition, the company offers 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 writes policies for commercial and personal lines of business, including insurance for property, casualty, life, health, and employee benefits. The company operates through branches in Arkansas, Florida, South Alabama, Texas, and New York City. Home Bancshares, Inc. (Conway, AR) was founded in 1903 and is headquartered in Conway, Arkansas.
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