HOME BANCSHARES, INC. (HOMB) Financial Analysis — Fisclear

Valuation

Banking

Live · Yahoo Finance

Price

$29.97

52-Week Range

$25.50$29.97 now$31.70

Decision Context

Altman Z-Score indicates financial distress risk. Review debt levels and cash runway before any position sizing decision.

Based on filing period ending Jun 2026

FisclearScore is a quantitative model using public financial data and sector median benchmarks (refreshed monthly). Not financial advice. Always conduct independent due diligence.

HOMB vs

Macro Context

Fed Funds Rate

3.63%

Accommodative

10-Year Treasury

4.60%

2026-07-01

Unemployment

4.1%

Near full employment

CPI Index

332.8

2026-07-01

M2 Money Supply

$23.2T

2026-06-01

The Federal Funds rate stands at 3.63% — a moderately elevated rate environment that raises borrowing costs across the economy; 10-year Treasury yields are at 4.60%, setting the benchmark for long-term corporate borrowing; Unemployment stands at 4.1%; Industrial production index is at 102.6; M2 money supply is $23.2T; CPI index stands at 332.8.

SWOT Analysis — HOMB

Inflationary Boom

Macro lens (Inflationary Boom): Rising costs and tighter margins amplify financial risks in this regime.

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Strengths

EPS (Diluted): $2.41 (+19.9% YoY) — Earnings per share rose 20% — each share earned more.
Net Income: $475.4M (+18.2% YoY) — Profit grew 18% — the company kept more of each dollar earned.

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Weaknesses

Operating Cash Flow: $399.3M (-13.3% YoY) — Operating cash flow fell 13% but remained positive.
Stock is near its 52-week high (31.70) — the price reflects strong recent momentum, but entry risk is elevated at these levels.

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Opportunities

Total Assets: $22.9B (+1.7% YoY) — Total assets grew 2% — the company's resource base expanded.

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Threats

Total liabilities represent 81% of total assets — elevated leverage that amplifies both gains and losses.

Year-over-Year Changes

EPS (Diluted)

$2.41

was $2.01

+19.9%

Earnings per share rose 20% — each share earned more.

Net Income

$475.4M

was $402.2M

+18.2%

Profit grew 18% — the company kept more of each dollar earned.

Operating Cash Flow

$399.3M

was $460.6M

−13.3%

Operating cash flow fell 13% but remained positive.

Total Assets

$22.9B

was $22.5B

+1.7%

Total assets grew 2% — the company's resource base expanded.

Risk Flags

0 high · 1 medium · 1 low

◈ Medium
Total liabilities represent 81% of total assets — elevated leverage that amplifies both gains and losses.
○ Low
Stock is near its 52-week high (31.70) — the price reflects strong recent momentum, but entry risk is elevated at these levels.