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HOMETRUST BANCSHARES INC (HTB) Stock Fundamental Analysis

NYSE:HTB - New York Stock Exchange, Inc. - US4378721041 - Common Stock - Currency: USD

36.55  +0.56 (+1.56%)

After market: 36.55 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to HTB. HTB was compared to 396 industry peers in the Banks industry. HTB has an average financial health and profitability rating. HTB has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

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.
The reported operating cash flow has been mixed in the past 5 years: HTB reported negative operating cash flow in multiple 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M

1.2 Ratios

Looking at the Return On Assets, with a value of 1.18%, HTB is in the better half of the industry, outperforming 78.28% of the companies in the same industry.
HTB's Return On Equity of 9.50% is fine compared to the rest of the industry. HTB outperforms 61.87% of its industry peers.
Industry RankSector Rank
ROA 1.18%
ROE 9.5%
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
HTB Yearly ROA, ROE, ROICHTB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

HTB has a better Profit Margin (26.46%) than 68.18% of its industry peers.
In the last couple of years the Profit Margin of HTB has grown nicely.
The Operating Margin and Gross Margin are not available for HTB so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 26.46%
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
HTB Yearly Profit, Operating, Gross MarginsHTB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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4

2. Health

2.1 Basic Checks

HTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, HTB has more shares outstanding
Compared to 5 years ago, HTB has less shares outstanding
HTB has a worse debt/assets ratio than last year.
HTB Yearly Shares OutstandingHTB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M
HTB Yearly Total Debt VS Total AssetsHTB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

HTB has a debt to FCF ratio of 0.09. This is a very positive value and a sign of high solvency as it would only need 0.09 years to pay back of all of its debts.
HTB has a Debt to FCF ratio of 0.09. This is amongst the best in the industry. HTB outperforms 88.89% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that HTB is not too dependend on debt financing.
HTB has a better Debt to Equity ratio (0.02) than 85.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.09
Altman-Z N/A
ROIC/WACCN/A
WACC15.21%
HTB Yearly LT Debt VS Equity VS FCFHTB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M

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 2M 4M 6M 8M 10M

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3

3. Growth

3.1 Past

HTB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.45%.
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 very negative growth in Revenue. In the last year, the Revenue has decreased by -19.62%.
Measured over the past years, HTB shows a quite strong growth in Revenue. The Revenue has been growing by 9.28% on average per year.
EPS 1Y (TTM)6.45%
EPS 3Y41.86%
EPS 5Y18.16%
EPS Q2Q%-4.55%
Revenue 1Y (TTM)-19.62%
Revenue growth 3Y12.2%
Revenue growth 5Y9.28%
Sales Q2Q%1.78%

3.2 Future

Based on estimates for the next years, HTB will show a decrease in Earnings Per Share. The EPS will decrease by -2.51% on average per year.
The Revenue is expected to grow by 1.73% on average over the next years.
EPS Next Y-3.89%
EPS Next 2Y-2.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.72%
Revenue Next 2Y1.73%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
HTB Yearly Revenue VS EstimatesHTB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
HTB Yearly EPS VS EstimatesHTB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.08 indicates a reasonable valuation of HTB.
Based on the Price/Earnings ratio, HTB is valued a bit cheaper than 60.61% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.52, HTB is valued rather cheaply.
The Price/Forward Earnings ratio is 11.51, which indicates a very decent valuation of HTB.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HTB indicates a slightly more expensive valuation: HTB is more expensive than 66.16% of the companies listed in the same industry.
HTB is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.25, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 11.08
Fwd PE 11.51
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 cheaply inside the industry as 87.37% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 5.84
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

A cheap valuation may be justified as HTB's earnings are expected to decrease with -2.51% in the coming years.
PEG (NY)N/A
PEG (5Y)0.61
EPS Next 2Y-2.51%
EPS Next 3YN/A

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4

5. Dividend

5.1 Amount

HTB has a Yearly Dividend Yield of 1.32%. Purely for dividend investing, there may be better candidates out there.
HTB's Dividend Yield is slightly below the industry average, which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.38, HTB's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.32%

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
HTB Yearly Dividends per shareHTB Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

14.61% of the earnings are spent on dividend by HTB. This is a low number and sustainable payout ratio.
DP14.61%
EPS Next 2Y-2.51%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M -40M
HTB Dividend Payout.HTB Dividend Payout, showing the Payout Ratio.HTB Dividend Payout.PayoutRetained Earnings

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HOMETRUST BANCSHARES INC

NYSE:HTB (6/6/2025, 8:04:01 PM)

After market: 36.55 0 (0%)

36.55

+0.56 (+1.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/bmo
Earnings (Next)07-22 2025-07-22/amc
Inst Owners58.25%
Inst Owner ChangeN/A
Ins Owners2.95%
Ins Owner ChangeN/A
Market Cap641.45M
Analysts82.22
Price Target42.2 (15.46%)
Short Float %0.53%
Short Ratio2.08
Dividend
Industry RankSector Rank
Dividend Yield 1.32%
Yearly Dividend0.44
Dividend Growth(5Y)20.63%
DP14.61%
Div Incr Years4
Div Non Decr Years4
Ex-Date05-15 2025-05-15 (0.12)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)19.69%
Min EPS beat(2)11.76%
Max EPS beat(2)27.63%
EPS beat(4)2
Avg EPS beat(4)9.06%
Min EPS beat(4)-2.59%
Max EPS beat(4)27.63%
EPS beat(8)5
Avg EPS beat(8)4.96%
EPS beat(12)7
Avg EPS beat(12)3.6%
EPS beat(16)11
Avg EPS beat(16)18.04%
Revenue beat(2)2
Avg Revenue beat(2)2.05%
Min Revenue beat(2)1.96%
Max Revenue beat(2)2.14%
Revenue beat(4)3
Avg Revenue beat(4)0.07%
Min Revenue beat(4)-6.07%
Max Revenue beat(4)2.24%
Revenue beat(8)6
Avg Revenue beat(8)13.02%
Revenue beat(12)10
Avg Revenue beat(12)14.22%
Revenue beat(16)13
Avg Revenue beat(16)13.63%
PT rev (1m)-4.61%
PT rev (3m)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)3.4%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0.58%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 11.08
Fwd PE 11.51
P/S 3.16
P/FCF 5.84
P/OCF 5.1
P/B 1.13
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)3.3
EY9.03%
EPS(NY)3.17
Fwd EY8.69%
FCF(TTM)6.26
FCFY17.12%
OCF(TTM)7.16
OCFY19.59%
SpS11.57
BVpS32.22
TBVpS29.93
PEG (NY)N/A
PEG (5Y)0.61
Profitability
Industry RankSector Rank
ROA 1.18%
ROE 9.5%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.46%
GM N/A
FCFM 54.09%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.09
Debt/EBITDA N/A
Cap/Depr 133.68%
Cap/Sales 7.82%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 204.43%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.21%
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)6.45%
EPS 3Y41.86%
EPS 5Y18.16%
EPS Q2Q%-4.55%
EPS Next Y-3.89%
EPS Next 2Y-2.51%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-19.62%
Revenue growth 3Y12.2%
Revenue growth 5Y9.28%
Sales Q2Q%1.78%
Revenue Next Year1.72%
Revenue Next 2Y1.73%
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 1Y4259.62%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y3967.7%
OCF growth 3Y61.43%
OCF growth 5Y42.59%