HOMETRUST BANCSHARES INC (HTB) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:HTB • US4378721041

44.38 USD
-0.17 (-0.38%)
At close: Feb 9, 2026
44.38 USD
0 (0%)
After Hours: 2/9/2026, 8:06:16 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall HTB gets a fundamental rating of 4 out of 10. We evaluated HTB against 381 industry peers in the Banks industry. HTB has only an average score on both its financial health and profitability. HTB is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year HTB was profitable.
  • HTB had a positive operating cash flow in the past year.
  • HTB had positive earnings in 4 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 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 1.35%, HTB belongs to the top of the industry, outperforming 84.25% of the companies in the same industry.
  • The Return On Equity of HTB (10.37%) is better than 66.40% of its industry peers.
Industry RankSector Rank
ROA 1.35%
ROE 10.37%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • With a decent Profit Margin value of 29.30%, HTB is doing good in the industry, outperforming 75.59% of the companies in the same industry.
  • 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) 29.3%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • HTB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • HTB has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
HTB Yearly Shares OutstandingHTB Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

2.2 Solvency

  • The Debt to FCF ratio of HTB is 0.21, which is an excellent value as it means it would take HTB, only 0.21 years of fcf income to pay off all of its debts.
  • HTB has a better Debt to FCF ratio (0.21) than 86.35% 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 86.09% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.21
Altman-Z N/A
ROIC/WACCN/A
WACC12.57%
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 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 8.98% over the past year.
  • Measured over the past years, HTB shows a very strong growth in Earnings Per Share. The EPS has been growing by 22.87% on average per year.
EPS 1Y (TTM)8.98%
EPS 3Y17.92%
EPS 5Y22.87%
EPS Q2Q%-4.12%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%0.16%

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 1.24% on average per year.
  • Based on estimates for the next years, HTB will show a small growth in Revenue. The Revenue will grow by 2.96% on average per year.
EPS Next Y-5.6%
EPS Next 2Y1.24%
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

  • The EPS 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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.19, the valuation of HTB can be described as correct.
  • 60.37% of the companies in the same industry are more expensive than HTB, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of HTB to the average of the S&P500 Index (28.06), we can say HTB is valued rather cheaply.
  • HTB is valuated correctly with a Price/Forward Earnings ratio of 12.92.
  • HTB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HTB is more expensive than 61.94% of the companies in the same industry.
  • HTB is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.86, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.19
Fwd PE 12.92
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of HTB indicates a slightly more expensive valuation: HTB is more expensive than 62.47% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.9
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 2Y1.24%
EPS Next 3YN/A

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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 1.17%, HTB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, HTB is paying slightly less dividend.
  • Compared to the average S&P500 Dividend Yield of 1.80, HTB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.17%

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 2026 0.1 0.2 0.3 0.4

5.3 Sustainability

  • 13.30% of the earnings are spent on dividend by HTB. This is a low number and sustainable payout ratio.
  • HTB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP13.3%
EPS Next 2Y1.24%
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 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 (2/9/2026, 8:06:16 PM)

After market: 44.38 0 (0%)

44.38

-0.17 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-22
Inst Owners60.95%
Inst Owner ChangeN/A
Ins Owners2.96%
Ins Owner Change-2.28%
Market Cap773.99M
Revenue(TTM)N/A
Net Income(TTM)61.79M
Analysts82.22
Price Target49.13 (10.7%)
Short Float %0.84%
Short Ratio2
Dividend
Industry RankSector Rank
Dividend Yield 1.17%
Yearly Dividend0.44
Dividend Growth(5Y)20.63%
DP13.3%
Div Incr Years4
Div Non Decr Years4
Ex-Date02-18
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.42%
Min EPS beat(2)7.77%
Max EPS beat(2)17.08%
EPS beat(4)4
Avg EPS beat(4)16.06%
Min EPS beat(4)7.77%
Max EPS beat(4)27.63%
EPS beat(8)6
Avg EPS beat(8)9.38%
EPS beat(12)8
Avg EPS beat(12)4.28%
EPS beat(16)11
Avg EPS beat(16)8.58%
Revenue beat(2)2
Avg Revenue beat(2)3.7%
Min Revenue beat(2)1.2%
Max Revenue beat(2)6.2%
Revenue beat(4)4
Avg Revenue beat(4)2.88%
Min Revenue beat(4)1.2%
Max Revenue beat(4)6.2%
Revenue beat(8)6
Avg Revenue beat(8)12.19%
Revenue beat(12)10
Avg Revenue beat(12)13.53%
Revenue beat(16)13
Avg Revenue beat(16)11.66%
PT rev (1m)2.76%
PT rev (3m)4.57%
EPS NQ rev (1m)2.08%
EPS NQ rev (3m)2.38%
EPS NY rev (1m)0.74%
EPS NY rev (3m)0.93%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 12.19
Fwd PE 12.92
P/S 3.67
P/FCF 15.9
P/OCF 13.84
P/B 1.3
P/tB 1.39
EV/EBITDA N/A
EPS(TTM)3.64
EY8.2%
EPS(NY)3.44
Fwd EY7.74%
FCF(TTM)2.79
FCFY6.29%
OCF(TTM)3.21
OCFY7.22%
SpS12.09
BVpS34.16
TBVpS31.91
PEG (NY)N/A
PEG (5Y)0.53
Graham Number52.9
Profitability
Industry RankSector Rank
ROA 1.35%
ROE 10.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 29.3%
GM N/A
FCFM 23.09%
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
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-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.21
Debt/EBITDA N/A
Cap/Depr 62.66%
Cap/Sales 3.42%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 78.79%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC12.57%
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)8.98%
EPS 3Y17.92%
EPS 5Y22.87%
EPS Q2Q%-4.12%
EPS Next Y-5.6%
EPS Next 2Y1.24%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%0.16%
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 1Y258.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y375.4%
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 of HOMETRUST BANCSHARES INC (HTB) stock?

ChartMill assigns a valuation rating of 3 / 10 to HOMETRUST BANCSHARES INC (HTB). This can be considered as Overvalued.


What is the profitability of HTB stock?

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


What is the earnings growth outlook for HOMETRUST BANCSHARES INC?

The Earnings per Share (EPS) of HOMETRUST BANCSHARES INC (HTB) is expected to decline by -5.6% in the next year.


How sustainable is the dividend of HOMETRUST BANCSHARES INC (HTB) stock?

The dividend rating of HOMETRUST BANCSHARES INC (HTB) is 4 / 10 and the dividend payout ratio is 13.3%.