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FULT vs HOMB
Fulton Financial (FULT) vs Home BancShares (HOMB) Earnings Preview: Q1 Reports Due in Mid-April
Key Takeaways
- Both FULT and HOMB are regional banks with strong capital positions; HOMB reports Q1 earnings on April 15, followed by FULT on April 22.
- Analysts project HOMB Q1 EPS at $0.60 on $272 million revenue, reflecting 7% EPS growth year-over-year.
- FULT Q1 EPS consensus at $0.50, with full-year 2026 guidance for $1.12-1.14 billion NII (net interest income, profit from loans minus deposit costs).
- Recent Q4 results showed FULT operating EPS $0.55 (beat estimates), NIM 3.59%; HOMB EPS $0.60, NIM 4.61%.
- Both maintain robust CET1 ratios (FULT 11.8%, HOMB 16.3%) and pay dividends (FULT $0.19/share, HOMB $0.21/share).
- HOMB edges in growth metrics with record 2025 net income of $475 million, up 18%.
Earnings Context and Why This Comparison Matters
Quarterly earnings remain a critical gauge for regional banks like Fulton Financial and Home BancShares, revealing resilience amid interest rate shifts, loan demand, and deposit competition. Both operate in complementary U.S. regions—Fulton in the Mid-Atlantic (Pennsylvania, New Jersey, Maryland, Delaware, Virginia) with $32 billion in assets, and Home BancShares via Centennial Bank in the Southeast (Arkansas, Florida, Texas, Alabama, New York) with $23 billion in assets. They compete in commercial real estate lending and retail banking, where NII drives profitability. Investors watch these reports for insights into NIM expansion, credit quality (measured by NCOs, or net charge-offs), and capital returns via dividends and buybacks. With Q1 filings imminent, this matchup highlights operational efficiency and growth potential in a stabilizing rate environment.
Home BancShares (HOMB) Focus
Home BancShares (HOMB) will release Q1 2026 earnings after market close on April 15, followed by a conference call on April 16. Analysts forecast EPS of $0.60, up 7% year-over-year, on $272 million in revenue (4.6% growth). This follows a stellar 2025, with full-year EPS of $2.41 (20% increase) and net income of $475 million (18% rise). Q4 alone delivered $0.60 EPS on $282 million revenue, with NIM at 4.61%, efficiency ratio under 40%, and loan growth to $15.7 billion. Deposits reached $17.5 billion, supporting a low loan-to-deposit ratio. CET1 stood at 16.3%, enabling a $0.21 quarterly dividend. Key watches: sustained loan expansion ($400 million Q4 growth), deposit stability, and provision for loan losses amid CRE exposure (53% of portfolio).
Fulton Financial (FULT) Context
Fulton Financial (FULT) reports Q1 2026 earnings on April 22, with a call on April 23. Consensus calls for $0.50 EPS, aligning with guidance amid one expected Fed cut. Full-year NII outlook is $1.12-1.14 billion. Q4 2025 operating EPS hit $0.55 (beat by 8%), revenue $336 million, NIM 3.59%, and ROTCE around 11%. Loans grew modestly to $24.1 billion, deposits to $26.6 billion (loan-to-deposit 91%), with CET1 at 11.8%. The $0.19 dividend persists, backed by a $150 million buyback. Recent Blue Foundry acquisition bolsters New Jersey presence, targeting 5%+ EPS accretion. Focus areas: integration synergies, expense control (guidance $800-835 million), and NIM stability post-rate cuts.
Head-to-Head Earnings and Market Comparison
HOMB outperforms on growth and margins, with higher NIM (4.61% vs. 3.59%), ROA (~2.1%), and CET1 (16.3% vs. 11.8%), fueled by loan expansion and sub-40% efficiency. Full-year 2025 net income surged 18% to $475 million versus Fulton's $397 million operating. FULT shines in scale ($32B vs. $23B assets), deposit breadth, and capital returns ($59M buybacks in 2025). Both exhibit low NCOs and strong liquidity, but HOMB's Southeast footprint taps faster demographics, while FULT leverages M&A for diversification. Risks include CRE concentration and rate sensitivity; sentiment favors HOMB for momentum, FULT for stability.
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Tickeron AI Verdict
Tickeron AI currently favors HOMB with a 65% probability edge over FULT, driven by superior earnings growth (18-20% in 2025), higher NIM, ROTCE, and CET1 buffer for resilience and buybacks amid economic uncertainty.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FULT is a Hold and HOMB is a Hold.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
FULT’s FA Score shows that 2 FA rating(s) are green whileHOMB’s FA Score has 1 green FA rating(s).
- FULT’s FA Score: 2 green, 3 red.
- HOMB’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
FULT’s TA Score shows that 2 TA indicator(s) are bullish while HOMB’s TA Score has 4 bullish TA indicator(s).
- FULT’s TA Score: 2 bullish, 3 bearish.
- HOMB’s TA Score: 4 bullish, 4 bearish.
Price Growth
FULT (@Regional Banks) experienced а -0.29% price change this week, while HOMB (@Regional Banks) price change was -0.10% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.44%. For the same industry, the average monthly price growth was +6.98%, and the average quarterly price growth was +18.36%.
Reported Earning Dates
FULT is expected to report earnings on Jul 22, 2026.
HOMB is expected to report earnings on Jul 15, 2026.
Industries' Descriptions
@Regional Banks (+1.44% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| FULT | HOMB | FULT / HOMB | |
| Capitalization | 4.61B | 5.78B | 80% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 26.427 | 4.802 | 550% |
| P/E Ratio | 11.52 | 11.43 | 101% |
| Revenue | 1.33B | 1.08B | 122% |
| Total Cash | 312M | 237M | 132% |
| Total Debt | 1.25B | 780M | 161% |
FULT | HOMB | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 50 | 50 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 32 Undervalued | 44 Fair valued | |
PROFIT vs RISK RATING 1..100 | 38 | 60 | |
SMR RATING 1..100 | 23 | 27 | |
PRICE GROWTH RATING 1..100 | 42 | 50 | |
P/E GROWTH RATING 1..100 | 43 | 67 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
FULT's Valuation (32) in the Regional Banks industry is in the same range as HOMB (44). This means that FULT’s stock grew similarly to HOMB’s over the last 12 months.
FULT's Profit vs Risk Rating (38) in the Regional Banks industry is in the same range as HOMB (60). This means that FULT’s stock grew similarly to HOMB’s over the last 12 months.
FULT's SMR Rating (23) in the Regional Banks industry is in the same range as HOMB (27). This means that FULT’s stock grew similarly to HOMB’s over the last 12 months.
FULT's Price Growth Rating (42) in the Regional Banks industry is in the same range as HOMB (50). This means that FULT’s stock grew similarly to HOMB’s over the last 12 months.
FULT's P/E Growth Rating (43) in the Regional Banks industry is in the same range as HOMB (67). This means that FULT’s stock grew similarly to HOMB’s over the last 12 months.
| FULT | HOMB | |
|---|---|---|
| RSI ODDS (%) | 4 days ago 65% | 4 days ago 74% |
| Stochastic ODDS (%) | 4 days ago 63% | 4 days ago 61% |
| Momentum ODDS (%) | N/A | N/A |
| MACD ODDS (%) | N/A | N/A |
| TrendWeek ODDS (%) | 4 days ago 64% | 4 days ago 55% |
| TrendMonth ODDS (%) | 4 days ago 52% | 4 days ago 49% |
| Advances ODDS (%) | 11 days ago 60% | 12 days ago 57% |
| Declines ODDS (%) | N/A | 6 days ago 53% |
| BollingerBands ODDS (%) | 4 days ago 63% | 4 days ago 72% |
| Aroon ODDS (%) | 4 days ago 35% | 4 days ago 47% |
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HOMB and
Correlation & Price change
A.I.dvisor indicates that over the last year, HOMB has been closely correlated with INDB. These tickers have moved in lockstep 88% of the time. This A.I.-generated data suggests there is a high statistical probability that if HOMB jumps, then INDB could also see price increases.
| Ticker / NAME | Correlation To HOMB | 1D Price Change % | ||
|---|---|---|---|---|
| HOMB | 100% | -0.76% | ||
| INDB - HOMB | 88% Closely correlated | N/A | ||
| FNB - HOMB | 86% Closely correlated | -2.06% | ||
| FULT - HOMB | 86% Closely correlated | N/A | ||
| UBSI - HOMB | 86% Closely correlated | N/A | ||
| UCB - HOMB | 85% Closely correlated | -1.55% | ||
More | ||||