$26.61

+0.01 (+0.04%)

Weekly Expected Move ±2.3%

$24 $25 $26 $26 $27

NYSE · Financial Services · Banks - Regional · Alpha Radar Neutral · Power 53 · $5.4B mcap · 188M float · 0.815% daily turnover · Short 41% of daily vol

Edge Score

Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.

NARROW EDGE

63.0 / 100

NoneWeakNarrowWide

Primary source: Intangible Assets · ROIC: 16.0% · 5Y Avg: 16.3%

Cost Advantage

Intangibles

Switching Cost

Network Effect

Scale

The Edge Score quantifies a company's competitive moat using five pillars: Cost Advantage (20%, operating margin and SG&A efficiency vs industry peers), Intangible Assets (25%, gross margin premium, R&D intensity, brand pricing power), Switching Costs (25%, revenue stability, earnings consistency, customer retention proxied by operating leverage), Network Effects (15%, revenue growth with expanding margins, market share dominance), and Efficient Scale (15%, market concentration, ROIC sustainability). Each pillar is scored 0–100 using industry percentile rankings, then weighted into a composite. Wide ≥ 70, Narrow ≥ 55, Weak ≥ 40, None < 40. HOMB has a Narrow competitive edge (63.0/100) — meaningful but not impregnable advantages over competitors. The primary source of advantage is Intangible Assets. ROIC of 16.0% confirms the company is generating returns well above its cost of capital — a hallmark of durable competitive advantages.

Analyst Insights

Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.

Analyst Price Targets

$30

Low

$32

Avg Target

$33

High

Based on 3 analysts since Apr 15, 2026 earnings

Analyst Recommendations

Strong Buy: 0Buy: 7Hold: 12Sell: 0Strong Sell: 0

Rating Summary

ConsensusHold

Avg Target$31.67

Analysts3

Price Target Change History

Date	Firm	Analyst	Old	New	Change	Upside @ Call	Stock@Call
2026-05-19	Cantor Fitzgerald	Dave Rochester	Initiated	$30	—	+15.0%	$26.09
2026-04-17	Piper Sandler	—	$35	$33	-2	+23.4%	$26.74
2026-04-17	Stephens	—	$30	$32	+2	+19.7%	$26.74
2026-01-16	Piper Sandler	—	$34	$35	+1	+21.2%	$28.87
2026-01-12	RBC Capital	—	Initiated	$31	—	+10.1%	$28.15
2025-10-17	Piper Sandler	—	$30	$34	+4	+28.2%	$26.52
2024-10-17	Stephens	Matt Olney	$27	$30	+3	+9.3%	$27.45
2024-07-19	Piper Sandler	Stephen Scouten	$28	$30	+2	+12.5%	$26.67
2023-07-21	Stephens	Matt Olney	Initiated	$27	—	+15.1%	$23.45
2022-04-22	Piper Sandler	—	Initiated	$28	—	+23.9%	$22.60

Financial Rating

Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.

B+

May 22, 2026

DCF

ROE

ROA

D/E

P/E

P/B

The Financial Rating evaluates six fundamental factors — discounted cash flow (DCF) valuation, return on equity (ROE), return on assets (ROA), debt-to-equity leverage (D/E), and relative price-to-earnings (P/E) and price-to-book (P/B) multiples — each scored 1–5. HOMB receives an overall rating of B+. Strongest factors: DCF (4/5), ROE (4/5), ROA (4/5). Areas of concern: P/E (2/5), P/B (2/5).

Rating Change History

Date	From	To
2026-05-18	B	B+
2026-05-14	B+	B
2026-04-24	A-	B+
2026-04-16	B-	A-
2026-04-15	A-	B-
2026-04-01	B+	A-
2026-03-30	B	B+
2026-03-06	B+	B
2026-02-24	A-	B+
2026-01-15	B-	A-

InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 52 Grade A

Profitability

Balance Sheet

Earnings Quality

Growth

Value

Momentum

Safety

100

Cash Flow

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. HOMB scores highest in Safety (100/100) and lowest in Growth (45/100). An overall grade of A places HOMB among the highest-quality companies in its peer group.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman-B Score

4.08

Safe Zone

Piotroski F-Score

7/9

✓ ✓ ✓ ✗ ✓ ✓ ✓ ✓ ✗

Beneish M-Score

-2.62

Unlikely Manipulator

Ohlson O-Score

-4.92

Bankruptcy prob: 0.7%

Low Risk

Credit Rating

AA+

Score: 91.9/100

Trend: Improving

Earnings Quality

75/100

OCF/NI: 0.91x

Accruals: 0.2%

The Altman-B Score replaces the traditional Z-Score for banks and financial institutions. It weights equity-to-assets, return on assets, retained earnings, market value coverage, and cash reserves — metrics that better capture bank solvency than manufacturing-oriented ratios. HOMB scores 4.08, placing it in the Safe Zone (safe > 3.0, distress < 1.5). Bankruptcy is statistically unlikely within the next two years. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. HOMB scores 7/9, signaling strong financial health across all three dimensions. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. HOMB's score of -2.62 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. HOMB's implied 0.7% bankruptcy probability is well within safe territory. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. HOMB receives an estimated rating of AA+ (score: 91.9/100), with a improving trend. The Earnings Quality score measures how well reported earnings are backed by real cash. It evaluates the operating cash flow to net income ratio (OCF/NI ≥ 1.0 means every dollar of earnings is cash-backed) and the accruals ratio (the gap between earnings and cash flow relative to assets — lower is better). HOMB's score of 75/100 is high — cash flows strongly support reported earnings.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

10.96x

PEG

0.70x

P/S

3.90x

P/B

1.21x

P/FCF

13.11x

P/OCF

12.29x

EV/EBITDA

6.53x

EV/Revenue

2.93x

EV/EBIT

6.62x

EV/FCF

9.90x

Earnings Yield

8.99%

FCF Yield

7.63%

Shareholder Yield

4.28%

Graham Number

$34.41

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. At 11.0x earnings, HOMB trades at a reasonable valuation. An earnings yield of 9.0% exceeds typical risk-free rates, suggesting equities are being compensated for risk. Graham's intrinsic value formula yields $34.41 per share, suggesting a potential 29% margin of safety at the current price.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

0.789

NI / EBT

Interest Burden

0.999

EBT / EBIT

EBIT Margin

0.442

EBIT / Rev

Asset Turnover

0.061

Rev / Assets

Equity Multiplier

5.494

Assets / Equity

ROE

11.6%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. HOMB's ROE of 11.6% is driven by financial leverage (equity multiplier: 5.49x). Note: high leverage means ROE is amplified by debt rather than operational performance.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Adj. Growth Rate

12.81%

Fair P/E

34.12x

Intrinsic Value

$82.59

Price/Value

0.33x

Margin of Safety

67.39%

Premium

-67.39%

Assessment

Undervalued

Graham's classic formula uses analyst-projected growth to estimate a fair P/E (8.5 + 2g). Our adjusted version replaces that projection with HOMB's realized 12.8% 3-year EPS CAGR — what the company actually delivered, not what analysts hope for. At an intrinsic value of $82.59, HOMB appears undervalued with a 67% margin of safety. The adjusted fair P/E of 34.1x compares to the current market P/E of 11.0x.

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$26.61

Median 1Y

$27.18

5th Pctile

$14.91

95th Pctile

$49.58

Ann. Volatility

36.7%

Analyst Target

$31.67

25th–75th percentile 5th–95th percentile Median path Historical Analyst target

Executive Compensation

C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.

C-Suite Compensation

Executive	Salary	Stock	Total
J. Stephen Tipton, Chief Operating Officer and CEO of Centennial Bank	$599,549	$—	$1,069,096
Kevin D. Hester, President & Chief Lending Officer	$574,641	$—	$1,003,688
Donna J. Townsell, Senior Executive Vice President and Director of Investor Relations	$399,058	$91,200	$775,920
Brian S. Davis, Chief Financial Officer and Treasurer	$399,929	$91,200	$754,146
John W. Allison, Chairman of the Board and CEO	$—	$—	$50,000

CEO Pay Ratio

8:1

CEO-to-Employee Pay Ratio

CEO Total Comp: $1,069,096

Avg Employee Cost (SGA/emp): $134,000

Employees: 2,543

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.

Employees

2,543

-0.3% YoY

Revenue / Employee

$540,450

Rev: $1,374,364,000

Profit / Employee

$186,961

NI: $475,441,000

SGA / Employee

$134,000

Avg labor cost proxy

Scaling Efficiency

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
ROE	12.6%	12.8%	11.9%	10.9%	8.5%	9.8%	9.7%	10.9%	13.8%	13.4%	10.7%	10.7%	10.6%	10.6%	10.4%	10.8%	11.2%	11.8%	11.5%	11.6%	11.59%
ROA	2.0%	2.1%	1.9%	1.7%	1.3%	1.5%	1.5%	1.7%	2.1%	2.1%	1.7%	1.7%	1.7%	1.7%	1.8%	1.8%	1.9%	2.0%	2.1%	2.1%	2.11%
ROIC	-1.7%	-1.7%	-10.3%	-9.5%	-7.4%	-8.5%	-16.5%	-18.6%	-23.4%	-22.9%	33.7%	33.4%	33.1%	33.3%	16.0%	16.6%	17.3%	18.2%	15.9%	16.0%	15.99%
ROCE	12.5%	12.8%	11.8%	10.8%	8.4%	9.6%	8.5%	9.6%	12.1%	11.9%	9.3%	9.2%	9.1%	9.1%	10.1%	10.4%	10.8%	11.1%	11.5%	11.6%	11.57%
Gross Margin	95.4%	93.2%	93.4%	92.0%	70.2%	89.4%	80.9%	77.3%	74.7%	71.9%	68.7%	67.1%	66.1%	63.2%	66.1%	72.4%	72.1%	98.0%	71.5%	75.2%	75.24%
Operating Margin	57.0%	53.5%	52.1%	49.2%	7.5%	50.3%	45.6%	42.1%	41.2%	38.7%	32.9%	36.7%	36.6%	34.7%	35.9%	41.5%	41.6%	53.2%	41.0%	43.1%	43.13%
Net Margin	43.3%	40.9%	40.7%	37.6%	6.2%	38.5%	35.6%	32.6%	31.7%	29.5%	25.1%	28.2%	27.9%	26.9%	27.9%	32.5%	32.4%	44.2%	31.6%	33.4%	33.41%
EBITDA Margin	59.6%	56.2%	54.9%	52.1%	11.5%	53.2%	48.2%	44.6%	43.3%	41.1%	35.3%	38.8%	38.6%	36.7%	37.9%	43.5%	43.5%	53.9%	41.0%	43.1%	43.13%
FCF Margin	46.4%	49.9%	50.4%	48.5%	33.9%	39.3%	38.9%	36.6%	36.9%	29.5%	27.2%	28.6%	32.2%	33.1%	29.1%	26.6%	24.6%	26.0%	27.4%	29.6%	29.57%
OCF Margin	47.9%	51.1%	51.8%	49.7%	35.2%	40.0%	39.8%	37.4%	37.9%	31.2%	28.7%	30.0%	33.8%	34.9%	31.7%	29.6%	27.5%	28.3%	29.1%	31.5%	31.54%
ROE 3Y Avg	snapshot only																				10.65%
ROE 5Y Avg	snapshot only																				10.45%
ROA 3Y Avg	snapshot only																				1.89%
ROIC 3Y Avg	snapshot only																				13.20%
ROIC Economic	snapshot only																				9.20%
Cash ROA	snapshot only																				1.89%
Cash ROIC	snapshot only																				14.47%
CROIC	snapshot only																				13.57%
NOPAT Margin	snapshot only																				34.86%
Pretax Margin	snapshot only																				44.15%
R&D / Revenue	snapshot only																				0.00%
SGA / Revenue	snapshot only																				26.15%
SBC / Revenue	snapshot only																				0.81%

Valuation

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
P/E Ratio	11.13	10.46	11.15	11.37	16.85	15.96	13.95	11.87	9.94	9.41	12.30	12.08	11.92	13.46	13.61	13.18	12.77	12.10	11.55	11.13	10.959
P/S Ratio	4.60	4.46	4.73	4.62	4.86	4.70	4.10	3.45	3.43	3.04	3.65	3.45	3.30	3.64	3.77	3.79	3.82	4.07	4.00	3.88	3.902
P/B Ratio	1.37	1.31	1.29	1.20	1.40	1.52	1.21	1.16	1.22	1.13	1.27	1.24	1.22	1.38	1.38	1.39	1.40	1.40	1.28	1.24	1.205
P/FCF	9.91	8.93	9.38	9.53	14.36	11.97	10.53	9.43	9.28	10.31	13.41	12.06	10.24	10.99	12.97	14.24	15.51	15.67	14.56	13.11	13.106
P/OCF	9.60	8.72	9.14	9.29	13.82	11.75	10.30	9.23	9.05	9.74	12.73	11.51	9.77	10.42	11.89	12.79	13.89	14.36	13.75	12.29	12.290
EV/EBITDA	1.77	1.39	-5.27	-6.32	-6.20	-4.51	1.67	1.11	1.28	0.75	4.07	3.87	3.69	4.85	7.30	7.14	6.99	6.81	6.78	6.53	6.526
EV/Revenue	1.01	0.82	-3.06	-3.52	-2.51	-1.86	0.69	0.45	0.60	0.33	1.67	1.53	1.42	1.81	2.77	2.79	2.82	3.01	3.05	2.93	2.926
EV/EBIT	1.85	1.46	-5.52	-6.65	-6.73	-4.88	1.81	1.20	1.35	0.79	4.31	4.10	3.92	5.14	7.71	7.52	7.35	7.09	6.96	6.62	6.624
EV/FCF	2.17	1.63	-6.07	-7.27	-7.42	-4.74	1.76	1.23	1.63	1.12	6.13	5.34	4.41	5.47	9.54	10.49	11.46	11.57	11.11	9.90	9.896
Earnings Yield	9.0%	9.6%	9.0%	8.8%	5.9%	6.3%	7.2%	8.4%	10.1%	10.6%	8.1%	8.3%	8.4%	7.4%	7.3%	7.6%	7.8%	8.3%	8.7%	9.0%	8.99%
FCF Yield	10.1%	11.2%	10.7%	10.5%	7.0%	8.4%	9.5%	10.6%	10.8%	9.7%	7.5%	8.3%	9.8%	9.1%	7.7%	7.0%	6.4%	6.4%	6.9%	7.6%	7.63%
PEG Ratio	snapshot only																				0.697
Price/Tangible Book	snapshot only																				1.857
EV/OCF	snapshot only																				9.280
EV/Gross Profit	snapshot only																				3.750
Acquirers Multiple	snapshot only																				6.624
Shareholder Yield	snapshot only																				4.28%
Graham Number	snapshot only																				$34.41

Leverage & Solvency

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Current Ratio	0.29	0.29	0.47	0.47	0.47	0.47	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.16	0.16	0.16	0.16	0.18	0.18	0.176
Quick Ratio	0.29	0.29	0.47	0.47	0.47	0.47	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.27	0.16	0.16	0.16	0.16	0.18	0.18	0.176
Debt/Equity	0.36	0.36	0.33	0.33	0.33	0.33	0.35	0.35	0.35	0.35	0.50	0.50	0.50	0.50	0.30	0.30	0.30	0.30	0.22	0.22	0.218
Net Debt/Equity	-1.07	-1.07	-2.12	-2.12	-2.12	-2.12	-1.01	-1.01	-1.01	-1.01	-0.69	-0.69	-0.69	-0.69	-0.37	-0.37	-0.37	-0.37	-0.30	-0.30	-0.303
Debt/Assets	0.06	0.06	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.08	0.08	0.08	0.08	0.05	0.05	0.05	0.05	0.04	0.04	0.041
Debt/EBITDA	2.13	2.09	2.09	2.27	2.83	2.47	2.86	2.56	2.07	2.11	3.47	3.49	3.51	3.51	2.18	2.12	2.05	2.00	1.51	1.52	1.519
Net Debt/EBITDA	-6.33	-6.22	-13.43	-14.61	-18.21	-15.89	-8.31	-7.43	-5.99	-6.13	-4.84	-4.86	-4.89	-4.90	-2.62	-2.55	-2.47	-2.41	-2.11	-2.12	-2.117
Interest Coverage	6.42	7.45	7.98	7.42	5.25	4.61	3.31	2.52	2.34	1.81	1.47	1.31	1.19	1.13	1.16	1.23	1.33	1.44	1.47	1.52	1.524
Equity Multiplier	6.29	6.29	6.53	6.53	6.53	6.53	6.49	6.49	6.49	6.49	5.98	5.98	5.98	5.98	5.68	5.68	5.68	5.68	5.33	5.33	5.325
Cash Ratio	snapshot only																				0.127
Debt Service Coverage	snapshot only																				1.547
Cash to Debt	snapshot only																				2.394
FCF to Debt	snapshot only																				0.434
Defensive Interval	snapshot only																				1843.3 days

Efficiency & Turnover

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Asset Turnover	0.05	0.05	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.061
Inventory Turnover	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Receivables Turnover	14.75	14.55	14.02	13.41	14.81	16.65	13.85	15.75	16.75	17.44	11.93	12.28	12.57	12.91	12.15	12.14	12.15	11.38	12.00	11.99	11.991
Payables Turnover	0.65	0.46	0.39	0.39	0.95	1.09	1.18	1.55	1.60	2.01	1.82	2.05	2.25	2.48	5.13	4.94	4.72	3.37	—	—	—
DSO	25	25	26	27	25	22	26	23	22	21	31	30	29	28	30	30	30	32	30	30	30.4 days
DIO	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0.0 days
DPO	560	793	930	946	384	333	310	236	229	182	200	178	162	147	71	74	77	108	0	0	—
Cash Conversion Cycle	-535	-768	-904	-919	-359	-311	-284	-213	-207	-161	-170	-148	-133	-119	-41	-44	-47	-76	30	30	—
Fixed Asset Turnover	snapshot only																				3.719
Cash Velocity	snapshot only																				0.613
Capital Intensity	snapshot only																				16.661

Growth (YoY)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue	-1.8%	-1.8%	-3.3%	-9.0%	2.0%	16.2%	38.0%	64.2%	58.0%	46.4%	27.6%	15.6%	11.2%	9.8%	9.6%	6.4%	4.1%	-5.2%	-5.3%	-5.4%	-5.38%
Net Income	53.7%	59.0%	48.8%	-4.3%	-28.8%	-19.7%	-4.3%	17.5%	88.7%	60.6%	28.7%	13.6%	-10.7%	-8.2%	2.4%	7.0%	12.4%	18.0%	18.2%	14.6%	14.64%
EPS	53.6%	59.6%	49.5%	-3.6%	-42.9%	-35.6%	-23.0%	-5.3%	91.6%	62.6%	30.2%	14.9%	-9.6%	-6.7%	3.9%	8.4%	13.9%	19.3%	19.0%	15.3%	15.34%
FCF	48.7%	57.4%	35.3%	20.0%	-25.6%	-8.6%	6.6%	24.0%	72.4%	10.0%	-10.8%	-9.6%	-3.0%	23.1%	17.1%	-1.1%	-20.5%	-25.5%	-10.7%	5.1%	5.11%
EBITDA	49.2%	57.0%	46.5%	-4.7%	-27.2%	-18.0%	-2.3%	19.0%	83.8%	56.9%	27.3%	13.2%	-9.2%	-7.4%	1.6%	5.2%	9.3%	12.1%	12.0%	8.4%	8.40%
Op. Income	53.1%	61.5%	50.1%	-4.8%	-29.9%	-21.0%	-5.3%	16.1%	89.0%	61.0%	29.7%	15.1%	-9.7%	-7.6%	2.0%	5.8%	10.2%	14.2%	15.1%	12.6%	12.55%
OCF Growth	snapshot only																				0.69%
Asset Growth	snapshot only																				1.74%
Equity Growth	snapshot only																				8.48%
Debt Growth	snapshot only																				-22.21%
Shares Change	snapshot only																				-0.60%
Dividend Growth	snapshot only																				5.85%

Growth (CAGR)

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue 3Y	3.3%	0.2%	-1.2%	-3.3%	-0.5%	3.4%	8.7%	13.8%	16.6%	18.7%	19.4%	20.0%	21.5%	23.1%	24.5%	26.4%	22.3%	15.1%	9.8%	5.2%	5.17%
Revenue 5Y	9.8%	8.7%	7.8%	6.4%	7.8%	9.9%	11.3%	12.4%	12.2%	11.3%	11.2%	11.4%	11.6%	12.2%	12.4%	12.6%	12.9%	11.7%	12.1%	11.7%	11.68%
EPS 3Y	21.9%	11.2%	3.9%	0.4%	-14.1%	-9.3%	-4.9%	8.6%	18.9%	18.7%	14.4%	1.6%	-0.3%	-0.8%	1.4%	5.6%	25.4%	21.9%	17.2%	12.8%	12.81%
EPS 5Y	11.6%	11.0%	9.1%	6.8%	-3.3%	3.0%	14.1%	12.8%	14.6%	7.6%	2.3%	1.9%	1.9%	2.5%	3.1%	9.8%	11.6%	13.2%	13.1%	5.6%	5.56%
Net Income 3Y	19.8%	9.0%	2.0%	-0.7%	-8.0%	-2.9%	1.8%	16.2%	27.4%	27.1%	22.4%	8.5%	6.3%	5.8%	8.0%	12.6%	23.7%	20.3%	15.9%	11.7%	11.70%
Net Income 5Y	15.3%	14.6%	12.5%	9.9%	3.9%	10.4%	17.7%	16.3%	18.2%	10.8%	5.5%	5.5%	5.6%	6.2%	6.8%	13.8%	15.7%	17.3%	17.3%	9.4%	9.38%
EBITDA 3Y	8.9%	2.1%	2.6%	0.0%	-6.7%	-1.9%	1.7%	15.7%	25.9%	26.4%	22.2%	8.7%	6.7%	6.0%	8.1%	12.3%	22.2%	17.7%	13.1%	8.9%	8.89%
EBITDA 5Y	9.6%	9.1%	7.2%	5.0%	-0.2%	5.6%	7.2%	8.0%	11.6%	6.5%	6.1%	6.1%	6.3%	6.5%	6.4%	13.0%	14.6%	16.0%	15.7%	7.9%	7.92%
Gross Profit 3Y	7.3%	3.4%	2.7%	1.0%	1.3%	5.4%	9.4%	19.0%	22.5%	22.5%	20.3%	12.3%	10.7%	9.9%	10.6%	13.0%	13.5%	10.7%	7.5%	4.5%	4.46%
Gross Profit 5Y	10.1%	9.6%	8.6%	7.0%	6.7%	10.3%	11.3%	11.9%	12.1%	9.0%	8.3%	8.0%	7.9%	7.9%	7.9%	11.7%	12.6%	13.8%	13.9%	9.5%	9.52%
Op. Income 3Y	10.2%	2.6%	1.8%	-1.0%	-8.5%	-3.8%	0.8%	15.2%	26.6%	27.1%	22.6%	8.3%	6.2%	5.5%	7.8%	12.2%	23.5%	19.3%	15.1%	11.1%	11.09%
Op. Income 5Y	11.0%	10.3%	8.1%	5.7%	-0.2%	6.1%	7.8%	8.4%	12.1%	6.5%	5.3%	5.3%	5.5%	5.8%	6.3%	13.3%	15.1%	16.7%	16.7%	8.7%	8.66%
FCF 3Y	17.3%	5.5%	8.7%	7.1%	2.0%	16.4%	20.2%	18.0%	24.0%	16.5%	8.8%	10.4%	7.6%	7.4%	3.6%	3.5%	10.0%	0.3%	-2.3%	-2.1%	-2.06%
FCF 5Y	13.8%	10.7%	12.0%	12.0%	6.2%	22.4%	22.2%	19.2%	15.7%	3.4%	4.1%	6.6%	12.2%	16.4%	12.7%	8.0%	8.0%	7.7%	6.1%	6.9%	6.93%
OCF 3Y	17.5%	5.7%	8.7%	7.2%	2.0%	15.1%	18.6%	16.4%	22.5%	16.2%	9.2%	10.8%	8.1%	8.4%	5.8%	6.3%	12.6%	2.6%	-1.1%	-0.6%	-0.65%
OCF 5Y	14.2%	10.6%	12.3%	11.8%	6.5%	22.1%	21.9%	19.2%	15.7%	4.2%	4.6%	7.1%	12.4%	16.4%	13.2%	9.0%	9.0%	8.2%	6.5%	7.6%	7.57%
Assets 3Y	4.3%	4.3%	5.7%	5.7%	5.7%	5.7%	15.0%	15.0%	15.0%	15.0%	11.4%	11.4%	11.4%	11.4%	7.6%	7.6%	7.6%	7.6%	-0.0%	-0.0%	-0.00%
Assets 5Y	12.0%	12.0%	13.0%	13.0%	13.0%	13.0%	9.6%	9.6%	9.6%	9.6%	8.2%	8.2%	8.2%	8.2%	8.4%	8.4%	8.4%	8.4%	6.9%	6.9%	6.89%
Equity 3Y	5.7%	5.7%	5.6%	5.6%	5.6%	5.6%	12.0%	12.0%	12.0%	12.0%	13.3%	13.3%	13.3%	13.3%	12.7%	12.7%	12.7%	12.7%	6.8%	6.8%	6.81%
Book Value 3Y	7.6%	7.9%	7.5%	6.7%	-1.4%	-1.4%	4.7%	4.6%	4.5%	4.6%	6.0%	6.1%	6.2%	6.3%	5.8%	5.7%	14.3%	14.2%	8.0%	7.9%	7.87%
Dividend 3Y	3.4%	4.4%	3.5%	3.6%	-1.4%	1.3%	4.4%	5.4%	2.3%	-0.3%	-2.4%	-4.7%	-5.3%	-5.3%	-5.3%	-4.7%	3.8%	3.3%	3.1%	2.9%	2.93%

Growth Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Revenue Stability	0.77	0.64	0.55	0.42	0.61	0.77	0.69	0.52	0.55	0.56	0.63	0.60	0.66	0.74	0.80	0.79	0.83	0.83	0.88	0.84	0.841
Earnings Stability	0.64	0.60	0.45	0.57	0.24	0.35	0.38	0.61	0.45	0.41	0.33	0.59	0.40	0.52	0.69	0.93	0.67	0.78	0.93	0.93	0.934
Margin Stability	0.90	0.89	0.90	0.89	0.89	0.89	0.90	0.89	0.90	0.89	0.89	0.90	0.90	0.87	0.87	0.86	0.89	0.90	0.91	0.90	0.900
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.000
Earn. Growth Consistency	0.50	0.50	0.50	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	1.00	0.00	0.00	1.00	1.00	0.50	0.50	1.00	1.00	1.000
FCF Positive Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Earnings Persistence	0.50	0.50	0.80	0.98	0.88	0.92	0.98	0.93	0.50	0.50	0.89	0.95	0.96	0.97	0.99	0.97	0.95	0.93	0.93	0.94	0.941
Earnings Smoothness	0.58	0.54	0.61	0.96	0.66	0.78	0.96	0.84	0.39	0.53	0.75	0.87	0.89	0.91	0.98	0.93	0.88	0.83	0.83	0.86	0.864
ROE Trend	0.02	0.02	0.02	0.00	-0.02	-0.01	-0.01	-0.01	0.02	0.01	0.00	0.00	-0.00	-0.01	0.01	0.01	-0.00	0.00	0.01	0.01	0.007
Gross Margin Trend	0.15	0.18	0.18	0.16	0.06	0.04	-0.00	-0.10	-0.08	-0.13	-0.15	-0.16	-0.14	-0.14	-0.12	-0.08	-0.06	0.05	0.08	0.09	0.093
FCF Margin Trend	0.15	0.21	0.18	0.14	-0.05	-0.01	-0.04	-0.06	-0.03	-0.15	-0.17	-0.14	-0.03	-0.01	-0.04	-0.06	-0.10	-0.05	-0.01	0.02	0.019
Sustainable Growth Rate	9.0%	9.2%	8.4%	7.3%	4.6%	5.4%	5.6%	6.5%	9.3%	8.9%	6.8%	6.7%	6.6%	6.6%	6.5%	6.8%	7.2%	7.8%	7.7%	7.7%	7.68%
Internal Growth Rate	1.5%	1.5%	1.3%	1.2%	0.7%	0.9%	0.9%	1.0%	1.4%	1.4%	1.1%	1.1%	1.1%	1.1%	1.1%	1.2%	1.2%	1.4%	1.4%	1.4%	1.42%

Cash Flow Quality

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
OCF/Net Income	1.16	1.20	1.22	1.22	1.22	1.36	1.35	1.29	1.10	0.97	0.97	1.05	1.22	1.29	1.15	1.03	0.92	0.84	0.84	0.91	0.905
FCF/OCF	0.97	0.98	0.97	0.97	0.96	0.98	0.98	0.98	0.97	0.95	0.95	0.95	0.95	0.95	0.92	0.90	0.90	0.92	0.94	0.94	0.938
FCF/Net Income	snapshot only																				0.849
OCF/EBITDA	snapshot only																				0.703
CapEx/Revenue	1.5%	1.2%	1.4%	1.3%	1.3%	0.7%	0.9%	0.8%	1.0%	1.7%	1.5%	1.4%	1.6%	1.8%	2.7%	3.0%	2.9%	2.4%	1.6%	2.0%	1.96%
CapEx/Depreciation	snapshot only																				2.954
Accruals Ratio	-0.00	-0.00	-0.00	-0.00	-0.00	-0.01	-0.01	-0.00	-0.00	0.00	0.00	-0.00	-0.00	-0.00	-0.00	-0.00	0.00	0.00	0.00	0.00	0.002
Sloan Accruals	snapshot only																				0.000
Cash Flow Adequacy	snapshot only																				2.299
Earnings Quality Score	snapshot only																				0.750

Dividends & Buybacks

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Dividend Yield	2.5%	2.7%	2.6%	2.9%	2.8%	2.8%	3.0%	3.4%	3.3%	3.6%	3.0%	3.1%	3.1%	2.8%	2.7%	2.8%	2.8%	2.8%	2.9%	3.0%	3.12%
Dividend/Share	$0.55	$0.56	$0.56	$0.58	$0.52	$0.57	$0.63	$0.68	$0.69	$0.71	$0.72	$0.72	$0.72	$0.74	$0.75	$0.77	$0.79	$0.79	$0.80	$0.82	$0.83
Payout Ratio	28.2%	28.2%	28.9%	32.9%	46.6%	44.8%	42.1%	40.2%	32.5%	33.9%	37.1%	37.3%	37.6%	38.0%	37.3%	36.5%	35.9%	34.2%	33.4%	33.7%	33.75%
FCF Payout Ratio	25.1%	24.1%	24.3%	27.5%	39.7%	33.6%	31.8%	31.9%	30.3%	37.1%	40.5%	37.2%	32.3%	31.1%	35.5%	39.5%	43.6%	44.2%	42.2%	39.8%	39.75%
Total Payout Ratio	36.8%	40.1%	42.8%	46.5%	66.4%	67.0%	65.3%	63.6%	48.6%	46.0%	49.5%	52.5%	58.4%	64.3%	58.8%	58.6%	55.9%	49.4%	50.7%	47.6%	47.60%
Div. Increase Streak	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Chowder Number	0.08	0.10	0.08	0.11	0.20	0.30	0.42	0.47	0.35	0.25	0.17	0.08	0.06	0.06	0.06	0.08	0.10	0.09	0.09	0.09	0.089
Buyback Yield	0.8%	1.1%	1.3%	1.2%	1.2%	1.4%	1.7%	2.0%	1.6%	1.3%	1.0%	1.3%	1.7%	1.9%	1.6%	1.7%	1.6%	1.3%	1.5%	1.2%	1.25%
Net Buyback Yield	0.8%	1.1%	1.3%	1.2%	1.2%	1.4%	1.7%	2.0%	1.6%	1.3%	1.0%	1.3%	1.7%	1.9%	1.6%	1.7%	1.6%	1.3%	1.5%	1.2%	1.25%
Total Shareholder Return	3.3%	3.8%	3.8%	4.1%	3.9%	4.2%	4.7%	5.4%	4.9%	4.9%	4.0%	4.3%	4.9%	4.8%	4.3%	4.4%	4.4%	4.1%	4.4%	4.3%	4.28%

DuPont Factors

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Tax Burden (NI/EBT)	0.76	0.76	0.77	0.77	0.77	0.77	0.77	0.78	0.77	0.77	0.77	0.77	0.76	0.77	0.77	0.77	0.78	0.79	0.79	0.79	0.789
Interest Burden (EBT/EBIT)	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.999
EBIT Margin	0.54	0.56	0.55	0.53	0.37	0.38	0.38	0.37	0.45	0.42	0.39	0.37	0.36	0.35	0.36	0.37	0.38	0.42	0.44	0.44	0.442
Asset Turnover	0.05	0.05	0.04	0.04	0.05	0.05	0.05	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.06	0.061
Equity Multiplier	6.14	6.14	6.41	6.41	6.41	6.41	6.51	6.51	6.51	6.51	6.22	6.22	6.22	6.22	5.82	5.82	5.82	5.82	5.49	5.49	5.494

Per Share

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
EPS (Diluted TTM)	$1.95	$1.99	$1.94	$1.78	$1.11	$1.28	$1.50	$1.69	$2.13	$2.08	$1.95	$1.94	$1.93	$1.94	$2.02	$2.10	$2.20	$2.32	$2.41	$2.42	$2.42
Book Value/Share	$15.77	$15.83	$16.83	$16.84	$13.42	$13.48	$17.27	$17.32	$17.38	$17.40	$18.78	$18.82	$18.91	$19.01	$19.91	$19.92	$20.03	$20.08	$21.74	$21.74	$22.07
Tangible Book/Share	$9.70	$9.73	$10.76	$10.77	$8.58	$8.62	$10.14	$10.16	$10.20	$10.21	$11.61	$11.64	$11.69	$11.75	$12.68	$12.69	$12.75	$12.79	$14.50	$14.50	$14.50
Revenue/Share	$4.71	$4.67	$4.58	$4.38	$3.86	$4.35	$5.08	$5.80	$6.19	$6.45	$6.56	$6.78	$6.96	$7.19	$7.30	$7.30	$7.35	$6.90	$6.95	$6.95	$6.97
FCF/Share	$2.19	$2.33	$2.31	$2.12	$1.31	$1.71	$1.98	$2.12	$2.29	$1.90	$1.79	$1.94	$2.24	$2.38	$2.12	$1.94	$1.81	$1.79	$1.91	$2.05	$2.06
OCF/Share	$2.26	$2.39	$2.37	$2.18	$1.36	$1.74	$2.02	$2.17	$2.34	$2.01	$1.88	$2.03	$2.35	$2.51	$2.32	$2.16	$2.02	$1.95	$2.02	$2.19	$2.20
Cash/Share	$22.62	$22.71	$41.20	$41.23	$32.86	$33.00	$23.34	$23.41	$23.49	$23.52	$22.33	$22.38	$22.49	$22.60	$13.32	$13.32	$13.40	$13.43	$11.33	$11.33	$26.25
EBITDA/Share	$2.67	$2.73	$2.66	$2.44	$1.56	$1.80	$2.09	$2.34	$2.91	$2.85	$2.69	$2.68	$2.68	$2.69	$2.77	$2.86	$2.97	$3.05	$3.12	$3.12	$3.12
Debt/Share	$5.68	$5.71	$5.55	$5.55	$4.43	$4.45	$5.98	$6.00	$6.02	$6.03	$9.33	$9.35	$9.39	$9.44	$6.04	$6.05	$6.08	$6.09	$4.73	$4.73	$4.73
Net Debt/Share	$-16.94	$-17.00	$-35.65	$-35.68	$-28.44	$-28.56	$-17.36	$-17.41	$-17.47	$-17.49	$-13.00	$-13.03	$-13.09	$-13.16	$-7.27	$-7.28	$-7.32	$-7.34	$-6.60	$-6.60	$-6.60

Academic Models

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Altman-B Score	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	4.076
Altman Z-Prime	snapshot only																				-3.364
Piotroski F-Score	7	8	8	6	5	6	5	6	8	6	6	7	6	6	6	7	6	5	7	7	7
Beneish M-Score	-2.28	-2.24	-2.80	-2.77	-2.39	-2.48	-1.22	-1.26	-1.39	-1.19	-2.42	-2.24	-2.27	-2.27	-2.38	-2.48	-2.47	-2.79	-2.61	-2.62	-2.623
Ohlson O-Score	snapshot only																				-4.921
Net-Net WC	snapshot only																				$-78.30
EVA	snapshot only																				$179406145.00

Credit

Metric	Q2'21	Q3'21	Q4'21	Q1'22	Q2'22	Q3'22	Q4'22	Q1'23	Q2'23	Q3'23	Q4'23	Q1'24	Q2'24	Q3'24	Q4'24	Q1'25	Q2'25	Q3'25	Q4'25	Q1'26	Current
Credit Rating	snapshot only																				AA+
Credit Score	90.62	91.07	89.51	89.08	72.48	86.78	83.69	87.12	88.42	88.49	78.72	79.78	80.34	80.35	87.10	87.19	76.89	76.38	91.80	91.89	91.892
Credit Grade	snapshot only																				2
Credit Trend	snapshot only																				4.702
Implied Spread (bps)	snapshot only																				65.000
Industry Credit Rank	snapshot only																				96
Sector Credit Rank	snapshot only																				88

HOMB NYSE

Edge Score

Analyst Insights

Financial Rating

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

Executive Compensation

C-Suite Compensation

CEO Pay Ratio

C-Suite Pay Equality (Gini)

CEO Compensation Mix

Workforce & Productivity

Scaling Efficiency

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