Home BancShares (HOMB)
Runs Centennial Bank's acquisition-built commercial and retail banking franchise across Southern markets.
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Operates Centennial Bank, offering deposits, commercial and retail loans, treasury services, mortgage banking, and specialized real estate and marine finance across Southern markets. Most revenue comes from interest on loans and investments, while an acquisition-built branch network runs under one bank charter.
Operates Centennial Bank, combining commercial and retail banking with deposit accounts, treasury services, mortgage banking, and digital payments. Lending spans commercial real estate and construction, business credit, residential mortgages, consumer loans, and specialized national platforms for commercial real estate and marine finance. Branches run across Arkansas, Florida, Texas, Tennessee, South Alabama, and New York City.
Growth has centered on acquiring community banks, consolidating them under one charter and the Centennial name, and pairing local bankers with centralized scale. Most revenue comes from interest on loans and investments, supplemented by service charges and mortgage banking income. Real estate-backed credit is the largest loan category, while deposits and Federal Home Loan Bank borrowings are primary funding sources. Results depend on credit quality, collateral values, deposit retention, interest rates, and bank-capital regulation.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Sep 8, 2026 | Hovde Group | Initiate | Rating: —Target: — | Target: $34 |
| Aug 19, 2026 | Cantor Fitzgerald | Reiterate | Rating: —Target: $30 | Target: $31 |
| Jul 17, 2026 | Piper Sandler | Reiterate | Rating: —Target: $33 | Target: $36 |
| Jun 24, 2026 | Benchmark | Initiate | Rating: — | |
| May 19, 2026 | Cantor Fitzgerald | Reiterate | Rating: —Target: — | Target: $30 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $279.7M · Total debt $888.6M · Total assets $24.71B · Shareholders' equity $4.55B
- Revenue
- $390.3M
- Operating income
- $154.4M
- Net income
- $119.3M
HistoryDividendAnnual yield
| Institutions | 77.55% | 156.19M shares | |
|---|---|---|---|
| 381 holders · as of Jun 30, 2026 | |||
| Insiders | 4.25% | 8.56M shares | |
| 20 holders · as of Aug 17, 2026 | |||
| Other | 18.20% | 36.67M shares | |
| remainder | |||
201.41M company shares as of Sep 23, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 12.79% | 25.77M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 5.91% | 11.91M | as of Jun 30, 2026 |
State Street CorpInstitution | 4.97% | 10.02M | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.29% | 8.65M | as of Jun 30, 2026 |
T. Rowe Price Investment Management, Inc.Institution | 4.28% | 8.61M | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 11, 2026 | Jim Rankin | director | −15,000 | $30.86 |
| Aug 4, 2026 | John Stephen Tipton | officer: Centennial Bank CEO | −12,000 | $31.59 |
| Jun 1, 2026 | John W. II Allison | director | −2,000 | $26.38 |
| Apr 21, 2026 | Jennifer C. Floyd | officer: Chief Accounting Officer | −3,000 | $27.12 |
| Apr 17, 2026 | John W. Allison | director, officer: Chairman & CEO | +100,000 | $26.96 |
- Bank OZK
Arkansas and CRE banking overlap across key Southern markets
- Simmons First National
Arkansas, Tennessee, and Texas community-bank overlap
- SouthState
Florida, Alabama, Texas, and CRE banking overlap
- First Horizon
Tennessee, Florida, and Texas regional banking overlap
- Pinnacle Financial Partners
Tennessee and Southeast commercial banking overlap
- FB Financial
Tennessee and Alabama branch banking overlap
- Texas Capital
Texas commercial banking and CRE overlap
- First Financial Bankshares
Texas community-bank and CRE lending overlap
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Home BancShares | $29.16 | +0.05% | $5.87B | 12.0 | 11.4 | 4.2 | +10.7% |
| Bank OZK | $46.88 | −0.30% | $5.13B | 7.8 | 8.2 | 1.9 | +1.8% |
| Simmons First National | $23.19 | +3.07% | $3.26B | — | 10.6 | 5.7 | +69,452.9% |
| SouthState | $102.67 | +0.29% | $9.93B | 10.8 | 10.5 | 3.1 | +1.2% |
| First Horizon | $23.37 | +0.11% | $11.08B | 11.2 | 10.8 | 2.4 | +9.9% |
| Pinnacle Financial Partners | $94.89 | +0.31% | $14.28B | 11.6 | 8.8 | 2.9 | +145.2% |
| FB Financial | $53.08 | −0.23% | $2.74B | 14.2 | 10.8 | 2.6 | +18.5% |
| Texas Capital | $95.00 | +0.56% | $4.11B | 12.4 | 12.4 | 2.1 | +9.1% |
| First Financial Bankshares | $32.36 | +0.16% | $4.63B | 17.3 | 15.4 | 5.4 | +10.3% |
| Median | 11.6 | 10.7 | 2.8 | +10.1% |