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Home BancShares, Inc.
HOMB · NYSEFinancials
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Company details
Market cap
$5.9B
P/E ratio
13×
Div yield
2.7%
EPS (2024)
$2.01
Profit margin
40%
Rev. growth
+2%
Revenue
$1.0B
Total assets
$22.5B
In plain English
Home BancShares is the Conway, Arkansas holding company behind Centennial Bank — a ~$22.5B-asset regional bank stretching from Arkansas across Florida and Texas to a single New York City branch. It funds itself with cheap local deposits and lends the money back out (mostly commercial real estate), converting ~83% of its $1B revenue from net interest income and running one of the most profitable efficiency ratios in US banking (~41%). It has grown largely by buying other banks.
In simple terms
What Home BancShares, Inc. really sells
Home BancShares is the Conway, Arkansas holding company behind Centennial Bank — a ~$22.5B-asset regional bank stretching from Arkansas across Florida and Texas to a single New York City branch. It funds itself with cheap local deposits and lends the money back out (mostly commercial real estate), converting ~83% of its $1B revenue from net interest income and running one of the most profitable efficiency ratios in US banking (~41%). It has grown largely by buying other banks.
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Risk read
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