HOMB FINANCIAL STATEMENTS

Home BancShares Inc — balance sheet, income statement and cash flow trends

HOMBHome BancShares Inc

🇺🇸 USA · NYSE · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue1.4 B $-5.4%

Gross Profit1.1 B $+10.4%

Operating Income606.8 M $+12.6%

EBITDA630.8 M $+11.0%

Net Income478.4 M $+14.6%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
HOMB	—	—	—	34.8%
NDA-SE	—	—	—	20.9%
HALKB	—	—	—	16.6%
VAKBN	—	—	—	21.4%
YKBNK	—	—	—	23.3%
BEN	—	—	—	—
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity4.3 B $19%
Current Liabilities18.4 B $79%
Long-term Liabilities456.2 M $2%

Key Figures

YoY change

Total Assets23.2 B $+0.9%

Total Liabilities18.9 B $-0.5%

Total Equity4.3 B $+7.6%

Cash & ST Investments5.2 B $+20.3%

Total Debt937.1 M $-22.0%

Net Debt-174.8 M $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
HOMB	0.29	21.5%	-6.71	18.7%
NDA-SE	0.16	704.0%	25.50	4.4%
HALKB	—	0.0%	-33.00	5.1%
VAKBN	—	0.0%	-8.98	6.0%
YKBNK	—	0.0%	-9.43	8.0%
BEN	0.03	142.6%	—	6.6%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
HOMB	0.29	21.5%	-6.71	18.7%
AX	0.09	91.9%	1.76	10.5%
OZK	5.36	13.2%	-0.87	14.8%
AUB	0.85	25.8%	1.74	13.5%
ABCB	0.08	25.1%	-0.50	14.5%
HWC	0.51	38.0%	2.00	12.4%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow433.1 M $+0.7%

Capital Expenditures27 M $-38.4%

Free Cash Flow406.1 M $+5.1%

Dividends Paid-161.5 M $-205.8%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
HOMB	31.5%	29.6%	2.0%	90.5%
NDA-SE	-33.4%	-35.4%	2.0%	-159.7%
HALKB	16.6%	38.5%	21.9%	100.0%
VAKBN	21.4%	20.2%	1.1%	100.0%
YKBNK	23.3%	24.9%	1.6%	100.0%
BEN	—	—	—	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
HOMB	31.5%	29.6%	2.0%	90.5%
AX	21.3%	20.3%	3.7%	94.1%
OZK	28.9%	25.1%	3.8%	114.3%
AUB	104.5%	103.7%	0.9%	663.5%
ABCB	31.7%	30.2%	1.5%	122.0%
HWC	28.5%	27.4%	1.1%	133.3%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
HOMB	—	—	—	34.8%
AX	—	—	—	22.7%
OZK	—	—	—	25.3%
AUB	—	—	—	15.8%
ABCB	—	—	—	26.0%
HWC	—	—	—	21.4%
Industry median	—	67.2%	20.4%	20.6%