Home Bancshares Inc Dossier
Outlook & Key Dates
Estimates, guidance, catalysts, and upcoming events
Analyst Estimates Learn more →
5-Yr Fwd EPS Growth
4.7%projected annual EPS growth
Analyst Coverage
7analysts covering
FY Revenue (est.)
$1.2Bnext fiscal year
FY EPS (est.)
$2.51next fiscal year
Monitoring Framework
Key Performance Indicators
Efficiency Ratio Quarterly4,160.0%Target: Sub-42.0%
Return on Average Assets (ROA) Quarterly2.1Target: Above 2.00%
Non-Performing Assets to Total Assets (NPA Ratio) Quarterly97.0%Target: Below 0.60% (historical average)
Net Interest Margin (NIM) Quarterly451.0%Target: Stabilize above 4.35%
Watch Items
- Commercial Real Estate (CRE) Loan ConcentrationTrigger: CRE loans exceeding 50% to 66% of total loan portfolioAction: Monitor credit quality, charge-off rates, and reserve adequacy specifically for the CRE segment.
- Integration of Mountain Commerce Bancorp (MCBI)Trigger: Integration delays or failure to achieve projected 1.4% EPS accretion in 2026Action: Review branch consolidation progress, deposit retention in Tennessee, and expense synergies.
- Resolution of the $92.1 million Texas non-accrual relationshipTrigger: Additional write-downs or charge-offs exceeding current reserves on this relationshipAction: Track recovery efforts, collateral liquidation, and impact on the quarterly provision for credit losses.
Research as of 19 Jun 2026