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

Home Bancshares (HOMB) reported diluted earnings per share of $2.41 for fiscal year 2025. This represents a 19.9% 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.

Home Bancshares Financials

HOMB

Source SEC Filings (10-K/10-Q) Updated Dec 31, 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 17 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).

Rhea AI HOMB FY2025 2026-04-22

Home BancShares’ earnings engine strengthened as lower interest expense and a thicker equity base lifted returns without asset growth.

FY2025 net income rose even as revenue dipped, because interest expense fell to $386M from $451M. With assets still near $22.9B, return on assets reached 2.1%, implying the earnings lift came from funding-cost relief rather than balance-sheet expansion.

Cash conversion stayed respectable in FY2025, with operating cash flow of $399M against net income of $475M. Because capital spending was only $22M, free cash flow still reached $377M, showing that reported earnings do not require large fixed-asset reinvestment to remain usable cash.

Balance-sheet posture has improved through retained earnings rather than asset shrinkage: equity rose to $4.30B while assets stayed around $22.9B. That thicker capital base helped pull debt-to-equity down to 4.3x from 5.5x since FY2021, so the company is earning more on a similar asset footprint with less balance-sheet strain than it carried earlier in the period.

Financial Health Signals

Financial Profile 32/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of Home Bancshares's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Growth

Home Bancshares's revenue declined 1.6% year-over-year, from $1.3B to $1.3B. This contraction results in a growth score of 41/100.

Leverage

Home Bancshares has elevated debt relative to equity (D/E of 4.33), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 14/100, reflecting increased financial risk.

Cash Flow

100

Home Bancshares converts 29.5% of revenue into free cash flow ($377.0M). This strong cash generation earns a score of 100/100.

Returns

Home Bancshares's ROE of 11.1% shows moderate profitability relative to equity, earning a score of 35/100. This is up from 10.2% the prior year.

Piotroski F-Score Neutral

4/9

Home Bancshares passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Mixed

0.84x

For every $1 of reported earnings, Home Bancshares generates $0.84 in operating cash flow ($399.3M OCF vs $475.4M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

$1.3B

YoY-1.6%

5Y CAGR+13.6%

10Y CAGR+13.0%

Home Bancshares generated $1.3B in revenue in fiscal year 2025. This represents a decrease of 1.6% from the prior year.

EBITDA

N/A

Net Income

$475.4M

YoY+18.2%

5Y CAGR+17.3%

10Y CAGR+13.2%

Home Bancshares reported $475.4M in net income in fiscal year 2025. This represents an increase of 18.2% from the prior year.

EPS (Diluted)

$2.41

YoY+19.9%

5Y CAGR+13.1%

10Y CAGR+9.1%

Home Bancshares earned $2.41 per diluted share (EPS) in fiscal year 2025. This represents an increase of 19.9% from the prior year.

Cash & Balance Sheet

Free Cash Flow

$377.0M

YoY-10.7%

5Y CAGR+6.1%

10Y CAGR+6.8%

Home Bancshares generated $377.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 10.7% from the prior year.

Cash & Debt

$667.3M

YoY-26.7%

5Y CAGR-12.0%

10Y CAGR+10.1%

Home Bancshares held $667.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.81

YoY+7.3%

5Y CAGR+8.7%

10Y CAGR+11.3%

Home Bancshares paid $0.81 per share in dividends in fiscal year 2025. This represents an increase of 7.3% from the prior year.

Shares Outstanding

196M

YoY-1.3%

5Y CAGR+3.5%

10Y CAGR+3.4%

Home Bancshares had 196M shares outstanding in fiscal year 2025. This represents a decrease of 1.3% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

37.2%

YoY+6.2pp

5Y CAGR+5.5pp

10Y CAGR+0.6pp

Home Bancshares's net profit margin was 37.2% in fiscal year 2025, showing the share of revenue converted to profit. This is up 6.2 percentage points from the prior year.

Return on Equity

11.1%

YoY+0.9pp

5Y CAGR+2.8pp

10Y CAGR-0.5pp

Home Bancshares's ROE was 11.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.9 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$82.2M

YoY-4.9%

5Y CAGR+26.2%

10Y CAGR+44.9%

Home Bancshares spent $82.2M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 4.9% from the prior year.

Capital Expenditures

$22.3M

YoY-42.2%

5Y CAGR+14.0%

10Y CAGR+7.8%

Home Bancshares invested $22.3M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 42.2% from the prior year.

HOMB Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$1.3B-1.6%	$1.3B+10.6%	$1.2B+33.9%	$877.8M+40.4%	$625.2M-7.5%	$676.0M
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	$252.9M+4.9%	$241.0M-6.2%	$257.0M+7.6%	$238.9M+39.9%	$170.8M+4.2%	$163.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$386.5M-14.3%	$451.0M+29.6%	$348.1M+192.3%	$119.1M+128.1%	$52.2M-44.1%	$93.4M
Income Tax	$136.4M+13.5%	$120.1M+1.0%	$119.0M+33.2%	$89.3M-8.6%	$97.8M+54.5%	$63.3M
Net Income	$475.4M+18.2%	$402.2M+2.4%	$392.9M+28.7%	$305.3M-4.3%	$319.0M+48.8%	$214.4M
EPS (Diluted)	$2.41+19.9%	$2.01+3.6%	$1.94+23.6%	$1.57-19.1%	$1.94+49.2%	$1.30

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Revenue	$323.6M0.0%	$323.5M+1.4%	$319.1M+2.1%	$312.5M-3.2%	$322.7M-3.0%	$332.8M+1.7%	$327.3M+3.3%	$316.9M
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	$62.9M-1.4%	$63.8M-0.8%	$64.3M+4.0%	$61.9M+1.7%	$60.8M+3.3%	$58.9M-2.6%	$60.4M-0.8%	$60.9M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$92.0M-5.5%	$97.4M-1.8%	$99.2M+1.3%	$97.9M-7.3%	$105.6M-10.2%	$117.6M+1.9%	$115.5M+2.8%	$112.3M
Income Tax	$35.1M-1.7%	$35.7M+6.4%	$33.6M+5.1%	$31.9M+10.6%	$28.9M-0.5%	$29.0M-8.9%	$31.9M+5.3%	$30.3M
Net Income	$118.2M-4.4%	$123.6M+4.4%	$118.4M+2.8%	$115.2M+14.6%	$100.6M+0.5%	$100.0M-1.5%	$101.5M+1.4%	$100.1M
EPS (Diluted)	N/A	$0.63+5.0%	$0.60+3.4%	$0.58	N/A	$0.50-2.0%	$0.51+2.0%	$0.50

HOMB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$22.9B+1.7%	$22.5B-0.7%	$22.7B-1.0%	$22.9B+26.8%	$18.1B+10.1%	$16.4B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$667.3M-26.7%	$910.3M-9.0%	$1.0B+38.0%	$724.8M-80.1%	$3.7B+188.8%	$1.3B
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%	$1.4B0.0%	$1.4B+43.7%	$973.0M0.0%	$973.0M
Total Liabilities	$18.6B+0.3%	$18.5B-1.8%	$18.9B-2.5%	$19.4B+26.6%	$15.3B+10.8%	$13.8B
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	$4.3B+8.5%	$4.0B+4.5%	$3.8B+7.5%	$3.5B+27.5%	$2.8B+6.1%	$2.6B
Retained Earnings	$2.3B+16.3%	$1.9B+14.9%	$1.7B+17.1%	$1.4B+14.0%	$1.3B+21.8%	$1.0B

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Total Assets	$22.9B+0.8%	$22.7B-0.9%	$22.9B-0.4%	$23.0B+2.2%	$22.5B-1.5%	$22.8B-0.4%	$22.9B+0.4%	$22.8B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$667.3M-16.7%	$800.9M-27.3%	$1.1B-15.0%	$1.3B+42.3%	$910.3M-10.5%	$1.0B-3.9%	$1.1B-9.9%	$1.2B
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	$18.6B+0.5%	$18.5B-1.7%	$18.8B-0.7%	$18.9B+2.3%	$18.5B-1.8%	$18.9B-1.1%	$19.1B+0.2%	$19.0B
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	$4.3B+1.9%	$4.2B+3.2%	$4.1B+1.1%	$4.0B+2.1%	$4.0B0.0%	$4.0B+2.7%	$3.9B+1.2%	$3.8B
Retained Earnings	$2.3B+3.5%	$2.2B+4.0%	$2.1B+3.9%	$2.0B+3.9%	$1.9B+3.3%	$1.9B+3.4%	$1.8B+3.7%	$1.8B

HOMB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$399.3M-13.3%	$460.6M+21.3%	$379.7M-8.1%	$413.2M+6.1%	$389.4M+33.5%	$291.7M
Capital Expenditures	$22.3M-42.2%	$38.5M+71.5%	$22.5M+14.7%	$19.6M+90.4%	$10.3M-11.0%	$11.5M
Free Cash Flow	$377.0M-10.7%	$422.1M+18.2%	$357.2M-9.2%	$393.6M+3.8%	$379.1M+35.3%	$280.2M
Investing Cash Flow	-$470.3M-8399.2%	$5.7M-99.0%	$578.5M+156.5%	-$1.0B-264.0%	$624.7M+195.8%	-$651.9M
Financing Cash Flow	-$172.0M+69.1%	-$556.2M+18.5%	-$682.7M+70.5%	-$2.3B-268.6%	$1.4B+21.1%	$1.1B
Dividends Paid	$158.9M+5.9%	$150.0M+2.8%	$145.9M+13.6%	$128.4M+39.4%	$92.1M+5.1%	$87.7M
Share Buybacks	$82.2M-4.9%	$86.5M+77.3%	$48.8M-31.2%	$70.9M+59.3%	$44.5M+73.1%	$25.7M

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
Operating Cash Flow	$88.7M-23.0%	$115.2M+46.9%	$78.4M-33.0%	$117.0M+55.8%	$75.1M-41.6%	$128.6M+17.6%	$109.4M-25.9%	$147.5M
Capital Expenditures	$4.5M+53.3%	$2.9M-63.6%	$8.0M+16.2%	$6.9M-51.7%	$14.3M+15.2%	$12.4M+21.1%	$10.2M+507.6%	$1.7M
Free Cash Flow	$84.2M-25.0%	$112.2M+59.4%	$70.4M-36.1%	$110.1M+81.0%	$60.9M-47.7%	$116.2M+17.2%	$99.2M-32.0%	$145.9M
Investing Cash Flow	-$277.9M-431.5%	-$52.3M+36.6%	-$82.5M-43.3%	-$57.6M-142.8%	$134.6M+28.8%	$104.5M+150.1%	-$208.5M-734.6%	-$25.0M
Financing Cash Flow	$55.6M+115.3%	-$363.0M-90.5%	-$190.5M-158.5%	$325.9M+202.8%	-$317.1M-15.7%	-$274.2M-1472.0%	-$17.4M-133.2%	$52.5M
Dividends Paid	$41.3M+4.7%	$39.4M-0.2%	$39.5M+1.9%	$38.8M0.0%	$38.8M-0.3%	$38.9M+7.7%	$36.1M-0.3%	$36.2M
Share Buybacks	$14.9M+48.7%	$10.0M-63.5%	$27.5M-7.8%	$29.8M+1113.5%	$2.5M-90.9%	$27.0M-17.9%	$32.9M+36.2%	$24.2M

HOMB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	37.2%+6.2pp	30.9%-2.5pp	33.4%-1.3pp	34.8%-16.2pp	51.0%+19.3pp	31.7%
Return on Equity	11.1%+0.9pp	10.2%-0.2pp	10.4%+1.7pp	8.7%-2.9pp	11.5%+3.3pp	8.2%
Return on Assets	2.1%+0.3pp	1.8%+0.1pp	1.7%+0.4pp	1.3%-0.4pp	1.8%+0.5pp	1.3%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.33-0.4	4.68-0.3	4.98-0.5	5.49-0.0	5.53+0.2	5.29
FCF Margin	29.5%-3.0pp	32.5%+2.1pp	30.4%-14.4pp	44.8%-15.8pp	60.6%+19.2pp	41.4%

Metric	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24	Q1'24
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	36.5%-1.7pp	38.2%+1.1pp	37.1%+0.2pp	36.9%+5.7pp	31.2%+1.1pp	30.1%-1.0pp	31.0%-0.6pp	31.6%
Return on Equity	2.8%-0.2pp	2.9%+0.0pp	2.9%+0.1pp	2.9%+0.3pp	2.5%0.0pp	2.5%-0.1pp	2.6%0.0pp	2.6%
Return on Assets	0.5%-0.0pp	0.5%+0.0pp	0.5%+0.0pp	0.5%+0.1pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	4.33-0.1	4.39-0.2	4.61-0.1	4.690.0	4.68-0.1	4.76-0.2	4.94-0.0	4.99
FCF Margin	26.0%-8.7pp	34.7%+12.6pp	22.1%-13.2pp	35.2%+16.4pp	18.9%-16.1pp	34.9%+4.6pp	30.3%-15.7pp	46.0%

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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 2025. This represents a -1.6% 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 declined by 1.6% year-over-year, from $1.3B to $1.3B in fiscal year 2025.

Is Home Bancshares profitable?

Yes, Home Bancshares (HOMB) reported a net income of $475.4M in fiscal year 2025, with a net profit margin of 37.2%.

What is Home Bancshares's net profit margin?

Home Bancshares (HOMB) had a net profit margin of 37.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does Home Bancshares pay dividends?

Yes, Home Bancshares (HOMB) paid $0.81 per share in dividends during fiscal year 2025.

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

Home Bancshares (HOMB) has a return on equity of 11.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Home Bancshares's free cash flow?

Home Bancshares (HOMB) generated $377.0M in free cash flow during fiscal year 2025. This represents a -10.7% 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 $399.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Home Bancshares's total assets?

Home Bancshares (HOMB) had $22.9B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Home Bancshares's capital expenditures?

Home Bancshares (HOMB) invested $22.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Home Bancshares buy back shares?

Yes, Home Bancshares (HOMB) spent $82.2M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Home Bancshares have outstanding?

Home Bancshares (HOMB) had 196M shares outstanding as of fiscal year 2025.

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

Home Bancshares (HOMB) had a debt-to-equity ratio of 4.33 as of fiscal year 2025, 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 2.1% for fiscal year 2025, 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 4 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 to 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 0.84x, considered mixed 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 32 out of 100 on our Financial Profile, indicating weak 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.