Home BancShares vs Intl Bancshares
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The short version
- Home BancShares is the larger business, with $1.1B of revenue in fiscal 2025 against $842M for Intl Bancshares.
- Home BancShares grew revenue faster (7.2%, against 1.0%).
- Investors pay more for each dollar of Home BancSharesβs earnings: a P/E of 12.4x against 10.1x for Intl Bancshares.
| Latest fiscal year | HOMB Β· FY25 | IBOC Β· FY25 |
|---|---|---|
| Size | ||
| Market cap | $6.0B | $4.2B |
| Revenue | $1.1B | $842M |
| Free cash flow | β | β |
| Net income | $475M | $412M |
| Growth | ||
| Revenue growth | 7.2% | 1.0% |
| 5-year growth | 9.5% | 9.4% |
| Share count change | β1.2% | β0.1% |
| Profitability | ||
| Gross margin | β | β |
| Operating margin | β | β |
| Net margin | 43.6% | 49.0% |
| FCF margin | β | β |
| Return on capital | β | β |
| Return on equity | 11.5% | 13.6% |
| Balance sheet | ||
| Net debt | β | β |
| Net debt / EBITDA | β | β |
| Dividends and buybacks | $241M | $91.7M |
| Valuation & quality | ||
| P/E | 12.4x | 10.1x |
| Piotroski F-score | β | β |
Revenue
FY16
HOMB $493M
IBOC $507M
FY17
HOMB $556M
IBOC $527M
FY18
HOMB $664M
IBOC $578M
FY19
HOMB $663M
IBOC $589M
FY20
HOMB $694M
IBOC $539M
FY21
HOMB $711M
IBOC $594M
FY22
HOMB $934M
IBOC $675M
FY23
HOMB $997M
IBOC $833M
FY24
HOMB $1.0B
IBOC $834M
FY25
HOMB $1.1B
IBOC $842M
HOMB
IBOC
Operating margin
FY16
HOMB β
IBOC β
FY17
HOMB β
IBOC β
FY18
HOMB β
IBOC β
FY19
HOMB β
IBOC β
FY20
HOMB β
IBOC β
FY21
HOMB β
IBOC β
FY22
HOMB β
IBOC β
FY23
HOMB β
IBOC β
FY24
HOMB β
IBOC β
FY25
HOMB β
IBOC β
HOMB
IBOC
Free cash flow
FY16
HOMB β
IBOC β
FY17
HOMB β
IBOC β
FY18
HOMB β
IBOC β
FY19
HOMB β
IBOC β
FY20
HOMB β
IBOC β
FY21
HOMB β
IBOC β
FY22
HOMB β
IBOC β
FY23
HOMB β
IBOC β
FY24
HOMB β
IBOC β
FY25
HOMB β
IBOC β
HOMB
IBOC
Return on capital
FY16
HOMB β
IBOC β
FY17
HOMB β
IBOC β
FY18
HOMB β
IBOC β
FY19
HOMB β
IBOC β
FY20
HOMB β
IBOC β
FY21
HOMB β
IBOC β
FY22
HOMB β
IBOC β
FY23
HOMB β
IBOC β
FY24
HOMB β
IBOC β
FY25
HOMB β
IBOC β
HOMB
IBOC
Each company's latest fiscal year; fiscal years end in different months. The best value in each row is highlighted where higher (or lower) is clearly better. Not investment advice.