HOMETRUST BANCSHARES INC (HTB) Fundamental Analysis & Valuation

NYSE:HTB • US4378721041

Current stock price

45.75 USD
+0.08 (+0.18%)
At close:
45.75 USD
0 (0%)
After Hours:

This HTB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. HTB Profitability Analysis

1.1 Basic Checks

  • HTB had positive earnings in the past year.
  • HTB had a positive operating cash flow in the past year.
  • HTB had positive earnings in each of the past 5 years.
  • HTB had a positive operating cash flow in 4 of the past 5 years.
HTB Yearly Net Income VS EBIT VS OCF VS FCFHTB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M -40M 60M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.40%, HTB belongs to the top of the industry, outperforming 84.04% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 10.60%, HTB is in the better half of the industry, outperforming 64.10% of the companies in the same industry.
Industry RankSector Rank
ROA 1.4%
ROE 10.6%
ROIC N/A
ROA(3y)1.18%
ROA(5y)1%
ROE(3y)9.94%
ROE(5y)8.56%
ROIC(3y)N/A
ROIC(5y)N/A
HTB Yearly ROA, ROE, ROICHTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • HTB has a better Profit Margin (29.88%) than 73.94% of its industry peers.
  • In the last couple of years the Profit Margin of HTB has grown nicely.
  • HTB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 29.88%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.31%
PM growth 5Y12.2%
GM growth 3YN/A
GM growth 5YN/A
HTB Yearly Profit, Operating, Gross MarginsHTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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4

2. HTB Health Analysis

2.1 Basic Checks

  • HTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HTB has less shares outstanding than it did 1 year ago.
  • HTB has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, HTB has a worse debt to assets ratio.
HTB Yearly Shares OutstandingHTB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5M 10M 15M
HTB Yearly Total Debt VS Total AssetsHTB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • HTB has a debt to FCF ratio of 0.24. This is a very positive value and a sign of high solvency as it would only need 0.24 years to pay back of all of its debts.
  • HTB has a better Debt to FCF ratio (0.24) than 87.23% of its industry peers.
  • A Debt/Equity ratio of 0.02 indicates that HTB is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.02, HTB belongs to the top of the industry, outperforming 87.50% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Altman-Z N/A
ROIC/WACCN/A
WACC14.15%
HTB Yearly LT Debt VS Equity VS FCFHTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 200M 400M 600M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
HTB Yearly Current Assets VS Current LiabilitesHTB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. HTB Growth Analysis

3.1 Past

  • HTB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.85%, which is quite good.
  • The Earnings Per Share has been growing by 22.87% on average over the past years. This is a very strong growth
  • The Revenue has been growing slightly by 5.41% in the past year.
  • HTB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.65% yearly.
EPS 1Y (TTM)14.85%
EPS 3Y17.92%
EPS 5Y22.87%
EPS Q2Q%17.86%
Revenue 1Y (TTM)5.41%
Revenue growth 3Y12.41%
Revenue growth 5Y9.65%
Sales Q2Q%6.68%

3.2 Future

  • HTB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.58% yearly.
  • The Revenue is expected to grow by 2.96% on average over the next years.
EPS Next Y-6.05%
EPS Next 2Y0.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.77%
Revenue Next 2Y2.96%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
HTB Yearly Revenue VS EstimatesHTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
HTB Yearly EPS VS EstimatesHTB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 1 2 3

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2

4. HTB Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 12.07, which indicates a correct valuation of HTB.
  • HTB's Price/Earnings ratio is in line with the industry average.
  • When comparing the Price/Earnings ratio of HTB to the average of the S&P500 Index (26.64), we can say HTB is valued rather cheaply.
  • A Price/Forward Earnings ratio of 12.42 indicates a correct valuation of HTB.
  • Based on the Price/Forward Earnings ratio, HTB is valued a bit more expensive than the industry average as 69.95% of the companies are valued more cheaply.
  • The average S&P500 Price/Forward Earnings ratio is at 21.36. HTB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 12.07
Fwd PE 12.42
HTB Price Earnings VS Forward Price EarningsHTB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, HTB is valued a bit more expensive than the industry average as 71.81% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 17.99
EV/EBITDA N/A
HTB Per share dataHTB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)0.53
EPS Next 2Y0.58%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. HTB Dividend Analysis

5.1 Amount

  • HTB has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.57, HTB is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.82, HTB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.31%

5.2 History

  • On average, the dividend of HTB grows each year by 13.12%, which is quite nice.
  • HTB has been paying a dividend for over 5 years, so it has already some track record.
  • HTB has not decreased its dividend in the past 5 years, so it has a somewhat stable track record.
Dividend Growth(5Y)13.12%
Div Incr Years5
Div Non Decr Years5
HTB Yearly Dividends per shareHTB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • HTB pays out 13.16% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of HTB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP13.16%
EPS Next 2Y0.58%
EPS Next 3YN/A
HTB Yearly Income VS Free CF VS DividendHTB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20M -20M 40M -40M 60M
HTB Dividend Payout.HTB Dividend Payout, showing the Payout Ratio.HTB Dividend Payout.PayoutRetained Earnings

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HTB Fundamentals: All Metrics, Ratios and Statistics

HOMETRUST BANCSHARES INC

NYSE:HTB (5/1/2026, 8:04:00 PM)

After market: 45.75 0 (0%)

45.75

+0.08 (+0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.3
Earnings (Last)04-23
Earnings (Next)07-20
Inst Owners62.52%
Inst Owner ChangeN/A
Ins Owners3.27%
Ins Owner Change11.75%
Market Cap769.51M
Revenue(TTM)213.07M
Net Income(TTM)63.67M
Analysts77.5
Price Target51.06 (11.61%)
Short Float %2.03%
Short Ratio3.85
Dividend
Industry RankSector Rank
Dividend Yield 1.31%
Yearly Dividend0.48
Dividend Growth(5Y)13.12%
DP13.16%
Div Incr Years5
Div Non Decr Years5
Ex-Date02-18
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)7.19%
Min EPS beat(2)6.62%
Max EPS beat(2)7.77%
EPS beat(4)4
Avg EPS beat(4)10.81%
Min EPS beat(4)6.62%
Max EPS beat(4)17.08%
EPS beat(8)6
Avg EPS beat(8)9.96%
EPS beat(12)9
Avg EPS beat(12)7.42%
EPS beat(16)11
Avg EPS beat(16)7.28%
Revenue beat(2)1
Avg Revenue beat(2)-1.09%
Min Revenue beat(2)-3.37%
Max Revenue beat(2)1.2%
Revenue beat(4)3
Avg Revenue beat(4)1.5%
Min Revenue beat(4)-3.37%
Max Revenue beat(4)6.2%
Revenue beat(8)5
Avg Revenue beat(8)0.46%
Revenue beat(12)9
Avg Revenue beat(12)11.45%
Revenue beat(16)12
Avg Revenue beat(16)10.65%
PT rev (1m)0%
PT rev (3m)1.67%
EPS NQ rev (1m)0.7%
EPS NQ rev (3m)-1.73%
EPS NY rev (1m)0%
EPS NY rev (3m)-2.86%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.5%
Valuation
Industry RankSector Rank
PE 12.07
Fwd PE 12.42
P/S 3.61
P/FCF 17.99
P/OCF 15.55
P/B 1.28
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)3.79
EY8.28%
EPS(NY)3.68
Fwd EY8.05%
FCF(TTM)2.54
FCFY5.56%
OCF(TTM)2.94
OCFY6.43%
SpS12.67
BVpS35.71
TBVpS33.4
PEG (NY)N/A
PEG (5Y)0.53
Graham Number55.1853 (20.62%)
Profitability
Industry RankSector Rank
ROA 1.4%
ROE 10.6%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.88%
GM N/A
FCFM 20.08%
ROA(3y)1.18%
ROA(5y)1%
ROE(3y)9.94%
ROE(5y)8.56%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y8.31%
PM growth 5Y12.2%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Debt/EBITDA N/A
Cap/Depr 60.44%
Cap/Sales 3.15%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 67.18%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC14.15%
ROIC/WACCN/A
Cap/Depr(3y)122.36%
Cap/Depr(5y)152.62%
Cap/Sales(3y)6.42%
Cap/Sales(5y)9.03%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)14.85%
EPS 3Y17.92%
EPS 5Y22.87%
EPS Q2Q%17.86%
EPS Next Y-6.05%
EPS Next 2Y0.58%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)5.41%
Revenue growth 3Y12.41%
Revenue growth 5Y9.65%
Sales Q2Q%6.68%
Revenue Next Year0.77%
Revenue Next 2Y2.96%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y51.52%
FCF growth 3Y19.15%
FCF growth 5YN/A
OCF growth 1Y10.05%
OCF growth 3Y12.46%
OCF growth 5YN/A

HOMETRUST BANCSHARES INC / HTB Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for HOMETRUST BANCSHARES INC?

ChartMill assigns a fundamental rating of 4 / 10 to HTB.


What is the valuation status of HOMETRUST BANCSHARES INC (HTB) stock?

ChartMill assigns a valuation rating of 2 / 10 to HOMETRUST BANCSHARES INC (HTB). This can be considered as Overvalued.


How profitable is HOMETRUST BANCSHARES INC (HTB) stock?

HOMETRUST BANCSHARES INC (HTB) has a profitability rating of 4 / 10.


What are the PE and PB ratios of HOMETRUST BANCSHARES INC (HTB) stock?

The Price/Earnings (PE) ratio for HOMETRUST BANCSHARES INC (HTB) is 12.07 and the Price/Book (PB) ratio is 1.28.


How financially healthy is HOMETRUST BANCSHARES INC?

The financial health rating of HOMETRUST BANCSHARES INC (HTB) is 4 / 10.