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HOMB vs UBSI
Home BancShares (HOMB) vs United Bankshares (UBSI) Earnings Preview: Q1 Insights Ahead
Key Takeaways
- Home BancShares (HOMB) is set to report Q1 2026 earnings on April 15, with analysts forecasting EPS of $0.59–$0.60 and revenue around $272–$274 million.
- United Bankshares (UBSI) follows with Q1 earnings estimated for April 23, expecting EPS of $0.85 and revenue near $315–$318 million.
- HOMB boasts superior profitability with ROA (return on assets) of 2.10% and ROTCE (return on average tangible common equity) around 17–18%, outpacing UBSI's 1.41% ROA and 13.95% ROTCE.
- Both regional banks maintain strong capital positions, with CET1 (Common Equity Tier 1) ratios above 13%—HOMB at 15–16% and UBSI at 13.4%.
- UBSI shows larger scale with $33.7 billion in assets versus HOMB's $22.9 billion, but HOMB leads in net interest margin at 4.61%.
- Recent Q4 2025 results highlight momentum: HOMB EPS $0.60 on $282 million revenue; UBSI EPS $0.91 on $318 million revenue.
Earnings Context and Why This Comparison Matters
Both HOMB and UBSI operate as regional banks focused on the Southeast and Mid-Atlantic U.S., providing commercial, retail, and mortgage banking services. They compete in lending, deposit gathering, and fee-based income amid interest rate pressures and economic shifts. Earnings reports offer insights into net interest income (NII, interest revenue minus funding costs), loan growth, deposit stability, and credit quality. With HOMB's April 15 release first, it sets a benchmark for UBSI, highlighting efficiency and growth in a sector sensitive to rates and regional economies.
Home BancShares Focus
Home BancShares (HOMB), parent of Centennial Bank, will release Q1 2026 earnings after market close on April 15, followed by a conference call on April 16. Analysts project EPS of $0.59–$0.60, up from $0.58 in Q1 2025, with revenue of $272–$274 million, reflecting 4–5% growth. Building on Q4 2025's record $475 million annual net income (up 18.2% YoY), $0.60 EPS, and $282 million revenue, expectations center on sustained NII expansion (Q4 NIM at 4.61%) and loan growth to $15.7 billion. Assets stand at $22.9 billion, deposits at $17.5 billion, with ROE near 11.5% and efficiency below 40%.
United Bankshares Context
United Bankshares (UBSI), operating over 240 branches, reports Q1 2026 around April 23. Consensus calls for $0.85 EPS (up from $0.76 YoY) and $315–$318 million revenue. Q4 2025 delivered record $465 million annual earnings (EPS $3.27), with quarterly EPS $0.91 beating estimates and NII at $287 million (NIM 3.83%). Assets reached $33.7 billion post-Piedmont acquisition, supporting 4.7% organic loan growth. ROE is 8.6%, with strong liquidity and a 52-year dividend increase streak ($0.38 quarterly).
Head-to-Head Earnings and Market Comparison
HOMB excels in profitability (ROA 2.10% vs. UBSI's 1.41%; NIM 4.61% vs. 3.83%), driven by deposit cost control and loan yields. UBSI counters with scale ($6.1B market cap vs. $5.7B), higher absolute earnings, and M&A (mergers and acquisitions) momentum from Piedmont. Growth drivers include HOMB's organic loans/deposits and UBSI's geographic expansion. Risks: rate sensitivity (NCO, non-performing loans low at <1%), credit provisions ($54M for UBSI in 2025). Sentiment favors HOMB's efficiency; both hold robust CET1 (>13%).
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Tickeron AI Verdict
Tickeron AI currently favors HOMB (65% probability) for superior earnings quality, higher ROA/ROTCE, and trend strength, though UBSI offers stability via size and dividends.
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 HOMB is a StrongBuy and UBSI is a StrongBuy.
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).
HOMB’s FA Score shows that 1 FA rating(s) are green whileUBSI’s FA Score has 1 green FA rating(s).
- HOMB’s FA Score: 1 green, 4 red.
- UBSI’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.
HOMB’s TA Score shows that 5 TA indicator(s) are bullish while UBSI’s TA Score has 4 bullish TA indicator(s).
- HOMB’s TA Score: 5 bullish, 5 bearish.
- UBSI’s TA Score: 4 bullish, 5 bearish.
Price Growth
HOMB (@Regional Banks) experienced а +4.17% price change this week, while UBSI (@Regional Banks) price change was +4.87% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +3.72%. For the same industry, the average monthly price growth was +7.76%, and the average quarterly price growth was +12.20%.
Reported Earning Dates
HOMB is expected to report earnings on Jul 16, 2026.
UBSI is expected to report earnings on Jul 23, 2026.
Industries' Descriptions
@Regional Banks (+3.72% 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.
| HOMB | UBSI | HOMB / UBSI | |
| Capitalization | 5.69B | 6.29B | 90% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 3.230 | 21.065 | 15% |
| P/E Ratio | 11.63 | 12.79 | 91% |
| Revenue | 1.08B | 1.26B | 86% |
| Total Cash | 237M | 269M | 88% |
| Total Debt | 780M | 626M | 125% |
HOMB | UBSI | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 29 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 47 Fair valued | 40 Fair valued | |
PROFIT vs RISK RATING 1..100 | 64 | 56 | |
SMR RATING 1..100 | 27 | 23 | |
PRICE GROWTH RATING 1..100 | 49 | 43 | |
P/E GROWTH RATING 1..100 | 67 | 58 | |
SEASONALITY SCORE 1..100 | 45 | 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.
UBSI's Valuation (40) in the Regional Banks industry is in the same range as HOMB (47). This means that UBSI’s stock grew similarly to HOMB’s over the last 12 months.
UBSI's Profit vs Risk Rating (56) in the Regional Banks industry is in the same range as HOMB (64). This means that UBSI’s stock grew similarly to HOMB’s over the last 12 months.
UBSI's SMR Rating (23) in the Regional Banks industry is in the same range as HOMB (27). This means that UBSI’s stock grew similarly to HOMB’s over the last 12 months.
UBSI's Price Growth Rating (43) in the Regional Banks industry is in the same range as HOMB (49). This means that UBSI’s stock grew similarly to HOMB’s over the last 12 months.
UBSI's P/E Growth Rating (58) in the Regional Banks industry is in the same range as HOMB (67). This means that UBSI’s stock grew similarly to HOMB’s over the last 12 months.
| HOMB | UBSI | |
|---|---|---|
| RSI ODDS (%) | 3 days ago 63% | 3 days ago 61% |
| Stochastic ODDS (%) | 3 days ago 58% | 3 days ago 63% |
| Momentum ODDS (%) | 3 days ago 59% | 3 days ago 62% |
| MACD ODDS (%) | 3 days ago 57% | 3 days ago 73% |
| TrendWeek ODDS (%) | 3 days ago 54% | 3 days ago 55% |
| TrendMonth ODDS (%) | 3 days ago 49% | 3 days ago 49% |
| Advances ODDS (%) | 3 days ago 56% | 3 days ago 52% |
| Declines ODDS (%) | 14 days ago 54% | 18 days ago 57% |
| BollingerBands ODDS (%) | 3 days ago 63% | 3 days ago 66% |
| Aroon ODDS (%) | 3 days ago 56% | 3 days ago 69% |
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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% | +1.44% | ||
| INDB - HOMB | 88% Closely correlated | +1.81% | ||
| FULT - HOMB | 87% Closely correlated | +1.57% | ||
| FNB - HOMB | 87% Closely correlated | +1.91% | ||
| UBSI - HOMB | 87% Closely correlated | +2.35% | ||
| UCB - HOMB | 86% Closely correlated | +1.05% | ||
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UBSI and
Correlation & Price change
A.I.dvisor indicates that over the last year, UBSI has been closely correlated with AUB. These tickers have moved in lockstep 90% of the time. This A.I.-generated data suggests there is a high statistical probability that if UBSI jumps, then AUB could also see price increases.
| Ticker / NAME | Correlation To UBSI | 1D Price Change % | ||
|---|---|---|---|---|
| UBSI | 100% | +2.35% | ||
| AUB - UBSI | 90% Closely correlated | +2.03% | ||
| UCB - UBSI | 90% Closely correlated | +1.05% | ||
| TRMK - UBSI | 89% Closely correlated | +1.10% | ||
| FULT - UBSI | 89% Closely correlated | +1.57% | ||
| CATY - UBSI | 88% Closely correlated | +1.79% | ||
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