What is Home BancShares Financial Strength?
Home BancShares has the Financial Strength Rank of 4.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its
Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3.
Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Home BancShares's interest coverage with the available data.
Home BancShares's debt to revenue ratio for the quarter that ended in Dec. 2024 was 1.02.
Altman Z-Score does not apply to banks and insurance companies.
Home BancShares Financial Strength Calculation
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is based on these factors
A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Home BancShares's Interest Expense for the
months ended in Dec. 2024 was $-106 Mil. Its Operating Income for the
months ended in Dec. 2024 was $0 Mil. And its Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was $1,040 Mil.
Home BancShares's Interest Coverage for the quarter that ended in Dec. 2024 is
The higher the ratio, the stronger the company's financial strength is.
2. Debt to revenue ratio. The lower, the better.
Home BancShares's Debt to Revenue Ratio for the quarter that ended in Dec. 2024 is
3. Altman Z-Score.
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* 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 Business Description
Traded in Other Exchanges
N/A
Address
719 Harkrider, Suite 100, Conway, AR, USA, 72032
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 bank also emphasizes attracting experienced bankers, credit quality and a solid balance sheet. The bank's main source of net revenue is net interest income.
Executives
| John W Allison |
director, officer: Chairman |
|
| Alex R Lieblong |
director |
210 E. ELM STREET, P. O. BOX 7200, EL DORADO AR 71730 |
| James Pat Hickman |
director |
P.O. BOX 966, CONWAY AR 72033 |
| Jennifer C. Floyd |
officer: Chief Accounting Officer |
P.O. BOX 966, CONWAY AR 72033 |
| Jack Engelkes |
director |
P O BOX 1167, CONWAY AR 72032 |
| Kevin Hester |
officer: Chief Lending Officer |
P.O. BOX 966, CONWAY AR 72033 |
| Brian Davis |
director, officer: Chief Financial Officer |
6 GATEWOOD CV, LITTLE ROCK AR 72206 |
| Tracy French |
director, officer: Centennial Bank CEO/ President |
78 GREYSTONE BLVD, CABOT AR 72023 |
| Donna Townsell |
officer: Sen. EVP of Corp. Eff. |
P.O. BOX 966, CONWAY AR 72033 |
| Adcock Robert H Jr |
director |
P O BOX 966, CONWAY AR 72033 |
| Carter Russell Davis Iii |
officer: Executive Vice President |
15 GETTYSBURG SOUTH, CABOT AR 72023 |
| Williamson Kenneth Mikel Jr |
officer: Centennial Bank Regional Pres. |
P.O. BOX 966, CONWAY AR 72033 |
| Larry W Ross |
director |
P.O. BOX 966, CONWAY AR 72033 |
| Richard H Ashley |
director |
2851 LAKEWOOD VILLAGE DR., NORTH LITTLE ROCK AR 72116 |
| Jim Rankin |
director |
P.O. BOX 966, CONWAY AR 72033 |
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
Portfolio Contest
HOMB has been successfully added to your