HOMETRUST BANCSHARES INC (HTB) Stock Fundamental Analysis
USA - NYSE:HTB - US4378721041 - Common Stock
40.36 USD
+0.14 (+0.35%)
40.36 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to HTB. HTB was compared to 388 industry peers in the Banks industry. HTB has an average financial health and profitability rating. HTB has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
In the past year HTB was profitable.
HTB had a positive operating cash flow in the past year.
Each year in the past 5 years HTB has been profitable.
In multiple years HTB reported negative operating cash flow during the last 5 years.
1.2 Ratios
HTB has a Return On Assets of 1.28%. This is amongst the best in the industry. HTB outperforms 81.96% of its industry peers.
HTB has a Return On Equity of 10.09%. This is in the better half of the industry: HTB outperforms 64.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 10.09% | ||
| ROIC | N/A |
ROA(3y)1.04%
ROA(5y)0.84%
ROE(3y)9.43%
ROE(5y)7.55%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of HTB (28.22%) is better than 72.94% of its industry peers.
HTB's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for HTB so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 28.22% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y35.33%
PM growth 5Y5.22%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
HTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for HTB has been increased compared to 1 year ago.
HTB has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, HTB has a worse debt to assets ratio.
2.2 Solvency
HTB has a debt to FCF ratio of 0.10. This is a very positive value and a sign of high solvency as it would only need 0.10 years to pay back of all of its debts.
HTB's Debt to FCF ratio of 0.10 is amongst the best of the industry. HTB outperforms 87.11% of its industry peers.
HTB has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
HTB has a better Debt to Equity ratio (0.02) than 85.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.1 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC12.76%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HTB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.54%, which is quite good.
HTB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.16% yearly.
HTB shows a small growth in Revenue. In the last year, the Revenue has grown by 7.23%.
The Revenue has been growing by 9.28% on average over the past years. This is quite good.
EPS 1Y (TTM)12.54%
EPS 3Y41.86%
EPS 5Y18.16%
EPS Q2Q%25%
Revenue 1Y (TTM)7.23%
Revenue growth 3Y12.2%
Revenue growth 5Y9.28%
Sales Q2Q%14.62%
3.2 Future
Based on estimates for the next years, HTB will show a small growth in Earnings Per Share. The EPS will grow by 2.69% on average per year.
Based on estimates for the next years, HTB will show a small growth in Revenue. The Revenue will grow by 3.68% on average per year.
EPS Next Y9.57%
EPS Next 2Y1.65%
EPS Next 3Y2.69%
EPS Next 5YN/A
Revenue Next Year5.53%
Revenue Next 2Y3.38%
Revenue Next 3Y3.68%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.97 indicates a reasonable valuation of HTB.
Based on the Price/Earnings ratio, HTB is valued a bit cheaper than 60.57% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 25.89. HTB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 11.69 indicates a reasonable valuation of HTB.
Based on the Price/Forward Earnings ratio, HTB is valued a bit more expensive than the industry average as 64.43% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.59, HTB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.97 | ||
| Fwd PE | 11.69 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of HTB indicates a rather cheap valuation: HTB is cheaper than 84.54% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.02 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.15
PEG (5Y)0.6
EPS Next 2Y1.65%
EPS Next 3Y2.69%
5. Dividend
5.1 Amount
HTB has a Yearly Dividend Yield of 1.29%.
Compared to an average industry Dividend Yield of 3.39, HTB is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.44, HTB's dividend is way lower than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.29% |
5.2 History
On average, the dividend of HTB grows each year by 20.63%, 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 last 3 years.
Dividend Growth(5Y)20.63%
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
HTB pays out 13.75% of its income as dividend. This is a sustainable payout ratio.
HTB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP13.75%
EPS Next 2Y1.65%
EPS Next 3Y2.69%
40.36
+0.14 (+0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners60.55%
Inst Owner ChangeN/A
Ins Owners2.95%
Ins Owner Change0.75%
Market Cap706.30M
Revenue(TTM)202.12M
Net Income(TTM)58.45M
Analysts82.22
Price Target46.98 (16.4%)
Short Float %0.68%
Short Ratio1.57
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.29% |
Yearly Dividend0.44
Dividend Growth(5Y)20.63%
DP13.75%
Div Incr Years4
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)14.42%
Min EPS beat(2)11.76%
Max EPS beat(2)17.08%
EPS beat(4)3
Avg EPS beat(4)13.47%
Min EPS beat(4)-2.59%
Max EPS beat(4)27.63%
EPS beat(8)5
Avg EPS beat(8)3.71%
EPS beat(12)7
Avg EPS beat(12)3.36%
EPS beat(16)11
Avg EPS beat(16)12.29%
Revenue beat(2)2
Avg Revenue beat(2)4.08%
Min Revenue beat(2)1.96%
Max Revenue beat(2)6.2%
Revenue beat(4)3
Avg Revenue beat(4)1.06%
Min Revenue beat(4)-6.07%
Max Revenue beat(4)6.2%
Revenue beat(8)6
Avg Revenue beat(8)12.4%
Revenue beat(12)10
Avg Revenue beat(12)14.55%
Revenue beat(16)13
Avg Revenue beat(16)12.58%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.35%
EPS NY rev (3m)14.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)0.58%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.97 | ||
| Fwd PE | 11.69 | ||
| P/S | 3.41 | ||
| P/FCF | 7.02 | ||
| P/OCF | 6.37 | ||
| P/B | 1.22 | ||
| P/tB | 1.31 | ||
| EV/EBITDA | N/A |
EPS(TTM)3.68
EY9.12%
EPS(NY)3.45
Fwd EY8.55%
FCF(TTM)5.75
FCFY14.24%
OCF(TTM)6.34
OCFY15.71%
SpS11.84
BVpS33.1
TBVpS30.83
PEG (NY)1.15
PEG (5Y)0.6
Graham Number52.35
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.28% | ||
| ROE | 10.09% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 28.22% | ||
| GM | N/A | ||
| FCFM | 48.54% |
ROA(3y)1.04%
ROA(5y)0.84%
ROE(3y)9.43%
ROE(5y)7.55%
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 3Y35.33%
PM growth 5Y5.22%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.1 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 88.98% | ||
| Cap/Sales | 5.02% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 172.01% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC12.76%
ROIC/WACCN/A
Cap/Depr(3y)136.12%
Cap/Depr(5y)200.05%
Cap/Sales(3y)7.48%
Cap/Sales(5y)10.99%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)12.54%
EPS 3Y41.86%
EPS 5Y18.16%
EPS Q2Q%25%
EPS Next Y9.57%
EPS Next 2Y1.65%
EPS Next 3Y2.69%
EPS Next 5YN/A
Revenue 1Y (TTM)7.23%
Revenue growth 3Y12.2%
Revenue growth 5Y9.28%
Sales Q2Q%14.62%
Revenue Next Year5.53%
Revenue Next 2Y3.38%
Revenue Next 3Y3.68%
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 1Y247.66%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y295.42%
OCF growth 3Y61.43%
OCF growth 5Y42.59%
HOMETRUST BANCSHARES INC / HTB 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 for HTB stock?
ChartMill assigns a valuation rating of 5 / 10 to HOMETRUST BANCSHARES INC (HTB). This can be considered as Fairly Valued.
What is the profitability of 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 10.97 and the Price/Book (PB) ratio is 1.22.
Can you provide the dividend sustainability for HTB stock?
The dividend rating of HOMETRUST BANCSHARES INC (HTB) is 4 / 10 and the dividend payout ratio is 13.75%.