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HOMB vs MA

HOMB
Home BancShares, Inc.
NEUTRAL
Price
$26.78
Market Cap
$5.41B
Sector
Financial Services
AI Confidence
85%
MA
Mastercard Incorporated
NEUTRAL
Price
$499.66
Market Cap
$445.92B
Sector
Financial Services
AI Confidence
80%

Valuation

P/E Ratio
HOMB
11.02
MA
30.28
Forward P/E
HOMB
10.34
MA
22.05
P/B Ratio
HOMB
1.22
MA
57.74
P/S Ratio
HOMB
5.03
MA
13.6
EV/EBITDA
HOMB
--
MA
22.13

Profitability

Gross Margin
HOMB
0.0%
MA
100.0%
Operating Margin
HOMB
57.33%
MA
57.73%
Profit Margin
HOMB
44.52%
MA
45.65%
ROE
HOMB
11.4%
MA
209.91%
ROA
HOMB
2.07%
MA
23.72%

Growth

Revenue Growth
HOMB
2.4%
MA
17.6%
Earnings Growth
HOMB
3.5%
MA
24.2%

Financial Health

Debt/Equity
HOMB
--
MA
2.56
Current Ratio
HOMB
--
MA
1.03
Quick Ratio
HOMB
--
MA
0.68

Dividends

Dividend Yield
HOMB
3.14%
MA
0.7%
Payout Ratio
HOMB
33.74%
MA
18.4%

AI Verdict

HOMB NEUTRAL

Home BancShares (HOMB) presents a conflicting profile: it is fundamentally undervalued based on the Graham Number ($34.59) and Intrinsic Value ($29.77), yet it exhibits severe operational deterioration as evidenced by a weak Piotroski F-Score of 2/9. While the dividend is sustainable with a low payout ratio (33.74%), the combination of stagnant growth, bearish insider selling, and a 0/100 technical trend suggests a value trap scenario. The stock is trading at a discount, but the lack of internal health momentum offsets the valuation appeal.

Strengths
Trading significantly below Graham Number ($34.59)
Sustainable dividend payout ratio of 33.74%
Strong profit margins (44.52%) and healthy ROA (2.07%)
Risks
Critical financial health warning via Piotroski F-Score (2/9)
Bearish insider sentiment with $1.15M in net sales and zero buys
Sluggish year-over-year revenue growth (2.40%)
MA NEUTRAL

MA shows neutral fundamentals based on deterministic rules. Financial strength is strong (F-Score 6/9). Mixed signals with both opportunities and risks present.

Strengths
Strong profitability (45.6% margin)
Strong revenue growth of 17.6%
Strong ROE of 209.9%
Risks
High valuation with P/E of 30.3
Premium vs Graham Number ($56.68)
High debt burden with D/E of 2.56

Compare Another Pair

HOMB vs MA: Head-to-Head Comparison

This page compares Home BancShares, Inc. (HOMB) and Mastercard Incorporated (MA) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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