Banco Macro vs Home BancShares

This page compares Banco Macro S.A. and Home BancShares, Inc., outlining how their business models, financial performance, and market contexts differ. The presentation is neutral and accessible to readers, helping them understand each company’s positioning without making recommendations. Educational content, not financial advice.

This page compares Banco Macro S.A. and Home BancShares, Inc., outlining how their business models, financial performance, and market contexts differ. The presentation is neutral and accessible to rea...

About The Companies

Banco Macro (BMA)

Banco Macro S.A. (ticker: BMA) is a leading Argentine bank predominantly serving retail customers and small-to-medium enterprises (SMEs). With a market capitalisation of about $3.63 billion, it operates an extensive domestic branch network and provides loans, deposits, payments and basic investment services. Key considerations for investors include its strong domestic franchise and deposit funding, balanced against significant exposure to Argentina’s macroeconomic environment: inflation, currency fluctuations and policy changes can materially affect earnings, asset quality and capital. Opportunities may arise from financial inclusion and rising credit penetration, while risks include sovereign and currency risk, regulatory shifts and volatile interest-rate cycles. Historically the bank has returned capital in the form of dividends, but payouts have varied with profitability and regulation. This is general educational information and not personal financial advice; investors should assess suitability for their own portfolios and consider independent financial or tax guidance.

Home BancShares (HOMB)

Home Bancshares, Inc. (HOMB) is a US regional bank holding company that operates the Arvest Bank franchise across several Midwestern and Southern states. With a market capitalisation of about $5.35 billion, it focuses on commercial and consumer lending, deposit gathering and fee-based services for local businesses and households. Growth has historically come from both organic lending activity and acquisitions, which can widen geographic reach but also add integration and credit risk. HOMB’s earnings are sensitive to interest-rate moves, loan credit quality and local economic conditions. The company typically pays a dividend, but payouts depend on earnings, capital needs and regulatory constraints. This summary is for educational purposes only and not personalised financial advice; it is important to assess your own objectives, timeframe and risk tolerance before considering any investment. Returns are not guaranteed and share prices can fall as well as rise.

Comparison Snapshot

Key Financial Metrics

BMA

Metric

HOMB

$5.75B

Market Cap

$5.64B

11.32%

Potential Profit

15.73%

Buy

Analyst Rating

Buy

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Which Baskets Do They Appear In?

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Published: September 12, 2025

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Investment Analysis

Banco Macro

BMA

Pros

Banco Macro demonstrated strong net income growth in Q2 2025, with net income rising 209% quarter over quarter to Ps.149.5 billion.
The bank maintains solid profitability metrics, with an annualized return on average equity of 12% and return on average assets of 3.5%.
Banco Macro benefits from its diversified service offerings including traditional banking, mutual fund management, and tax data processing joint ventures enhancing revenue streams.

Considerations

The stock price has declined approximately 25.91% over the past 12 months despite short-term gains, indicating volatility and investor caution.
Banco Macro faces ongoing risks from Argentina's macroeconomic instability, particularly inflation and regulatory challenges affecting banking operations.
Analyst price targets show a mixed outlook with some forecasting a potential price decrease, reflecting uncertainty in the bank's near-term growth prospects.

Home BancShares

HOMB

Pros

Home BancShares has a strong regional banking franchise in growing US markets, providing a stable deposit base and diversified loan portfolio.
The company has demonstrated consistent profitability supported by efficient cost management and improving net interest margins.
It benefits from recent strategic acquisitions expanding its footprint and customer base, positioning it for organic growth.

Considerations

Home BancShares is exposed to regional economic fluctuations, which can affect credit quality and loan demand in its core markets.
Rising interest rates may pressure some loan segments and increase funding costs, impacting net interest income growth.
The bank faces competition from larger banks and fintech firms, which could constrain market share expansion and margin improvement.

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About The Companies

Comparison Snapshot

Which Baskets Do They Appear In?

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