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Home BancSharesHOMB +0.67%76 Graham Number is $29.06 as of Jun. 2026, which is 2495% above its 10-year median of 1.12. GuruFocus rates HOMB with a GF Score™ of 76/100 and a GF Value™ of $29.78 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,429 Banks companies, Home BancShares ranks worse than 78.24% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-08-13), the stock price of Home BancShares is $31.33. Home BancShares's graham number for the quarter that ended in Jun. 2026 was $29.06. Therefore, Home BancShares's Price to Graham Number ratio for today is 1.08.
The historical rank and industry rank for Home BancShares's Graham Number or its related term are showing as below:
HOMB'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.75 Med: 1.12 Max: 2.01
Current: 1.08
During the past 13 years, the highest Price to Graham Number ratio of Home BancShares was 2.01. The lowest was 0.75. And the median was 1.12.
HOMB's Price-to-Graham-Number is ranked worse than 78.24% of 1429
companies
in the Banks industry
Industry Median: 0.81
vs HOMB: 1.08
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Home BancShares (NYSE:HOMB) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Home BancShares's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Jun. 2026 )
=
31.33
/
29.06
=
1.08
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Home BancShares Graham Number Related Terms
Home BancShares Graham Number Historical Data
* Premium members only.
The historical data trend for Home BancShares's Graham Number can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Home BancShares's Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Home BancShares Price-to-Graham-Number vs Banks Industry
For the Banks industry and Financial Services sector, Home BancShares's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Home BancShares's Price-to-Graham-Number falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Home BancShares (HOMB) has a Graham Number of $29.06 as of Jun. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Home BancShares and its competitors. This is 2495% above median its historical median of 1.12. Over the past decade, Home BancShares' Graham Number has ranged from 0.75 to 2.01. According to the industry distribution chart, Home BancShares ranks #1118 out of 1429 companies in the Banks industry, placing it in the top 78.2%.
Is Home BancShares' Graham Number too high?
Home BancShares' current Graham Number of $29.06 is 2495% above median its 10-year median of 1.12. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 2.01. The Banks industry median Graham Number is 0.81. Home BancShares' value of $29.06 is 3487.7% above this industry median. Based on the distribution chart, Home BancShares ranks #1118 out of 1429 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Home BancShares has a GF Score™ of 76/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Home BancShares' Graham Number compare to HWC and AUB?
According to the Banks industry distribution chart, Home BancShares ranks #1118 out of 1429 companies for Graham Number. This places Home BancShares in the lower half of its industry. The industry median Graham Number is 0.81. Home BancShares' value of $29.06 is 3487.7% above this benchmark. Historically, Home BancShares' own Graham Number has ranged from 0.75 to 2.01 over the past decade. While the company's 10-year median is 1.12 vs. the industry median of 0.81, Home BancShares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Graham Number for a Banks company?
The median Graham Number among Banks companies is 0.81, based on 1,429 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Home BancShares's current Graham Number of $29.06 is 3487.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Home BancShares and its competitors. For the Banks industry, the median Graham Number is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Home BancShares's current Graham Number is $29.06, which is 2495% above median its own 10-year median of 1.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Home BancShares stock overvalued right now?
Based on GuruFocus' analysis, Home BancShares (HOMB) is currently considered Fairly Valued. The stock's GF Value™ is $29.78, compared to a current price of $31.33 — trading 5.2% above its estimated fair value. The current Graham Number is $29.06, which is 2495% above median its 10-year median of 1.12 and 3487.7% above the Banks industry median of 0.81. Home BancShares' overall GF Score™ is 76/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Home BancShares (HOMB), the current Graham Number is $29.06 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Home BancShares (HOMB) Overvalued in 2026?
Based on GuruFocus' analysis, Home BancShares stock appears to be overvalued.
The current stock price of $31.33 is trading 5.2% above its estimated GF Value™ of $29.78.
GuruFocus considers Home BancShares to be Fairly Valued.
Key valuation signals for HOMB:
Graham Number: $29.06 (2495% above median its 10-year median of 1.12)
GF Value™: $29.78 vs. price of $31.33 (5.2% above fair value)
Industry Position: 3487.7% above the Banks median (#1118 of 1429)
No single metric tells the full story. See the HOMB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Home BancShares Inc is a bank holding company that operates through its wholly owned community bank subsidiary, Centennial Bank. The bank provides a broad range of commercial and retail banking, as well as related financial services, to a diverse customer base. Its customer base includes businesses, real estate developers and investors, individuals, and municipalities. The company's loan portfolio, while diversified, is typically between half and two thirds in commercial real estate loans. The company's plan emphasizes growth, both through strategic acquisitions and organically within its existing markets. The company has one reportable segment: The Banking Segment.
76GF Score
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