HOMETRUST BANCSHARES INC (HTB) Fundamental Analysis & Valuation

NYSE:HTB • US4378721041

Current stock price

45.55 USD
-0.56 (-1.21%)
At close:
45.55 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.
  • In the past year HTB had a positive cash flow from operations.
  • Each year in the past 5 years HTB has been profitable.
  • Of the past 5 years HTB 4 years had a positive operating cash flow.
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

  • HTB's Return On Assets of 1.40% is amongst the best of the industry. HTB outperforms 84.21% of its industry peers.
  • Looking at the Return On Equity, with a value of 10.60%, HTB is in the better half of the industry, outperforming 64.47% 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 74.21% 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 5 years ago, HTB has more shares outstanding
  • 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

  • The Debt to FCF ratio of HTB is 0.24, which is an excellent value as it means it would take HTB, only 0.24 years of fcf income to pay off all of its debts.
  • HTB's Debt to FCF ratio of 0.24 is amongst the best of the industry. HTB outperforms 87.89% of its industry peers.
  • A Debt/Equity ratio of 0.02 indicates that HTB is not too dependend on debt financing.
  • The Debt to Equity ratio of HTB (0.02) is better than 88.16% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.24
Altman-Z N/A
ROIC/WACCN/A
WACC14.06%
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 8.98%, which is quite good.
  • 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.
  • HTB shows a small growth in Revenue. In the last year, the Revenue has grown by 5.41%.
  • Measured over the past years, HTB shows a quite strong growth in Revenue. The Revenue has been growing by 9.65% on average per year.
EPS 1Y (TTM)8.98%
EPS 3Y17.92%
EPS 5Y22.87%
EPS Q2Q%-4.12%
Revenue 1Y (TTM)5.41%
Revenue growth 3Y12.41%
Revenue growth 5Y9.65%
Sales Q2Q%0.16%

3.2 Future

  • The Earnings Per Share is expected to grow by 0.58% on average over the next years.
  • 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-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

  • 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.
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

2

4. HTB Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 12.51, HTB is valued correctly.
  • Compared to the rest of the industry, the Price/Earnings ratio of HTB is on the same level as its industry peers.
  • HTB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.78.
  • With a Price/Forward Earnings ratio of 13.32, HTB is valued correctly.
  • HTB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HTB is more expensive than 71.05% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.54, HTB is valued a bit cheaper.
Industry RankSector Rank
PE 12.51
Fwd PE 13.32
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 71.58% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.03
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)0.55
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 1.24%. Purely for dividend investing, there may be better candidates out there.
  • HTB's Dividend Yield is slightly below the industry average, which is at 2.73.
  • Compared to the average S&P500 Dividend Yield of 1.89, HTB is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.24%

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.
  • As HTB did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
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

  • 13.16% of the earnings are spent on dividend by HTB. This is a low number and 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 (4/10/2026, 6:32:32 PM)

After market: 45.55 0 (0%)

45.55

-0.56 (-1.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-23
Inst Owners61.25%
Inst Owner ChangeN/A
Ins Owners3.2%
Ins Owner Change11.75%
Market Cap771.16M
Revenue(TTM)213.07M
Net Income(TTM)63.67M
Analysts77.5
Price Target49.13 (7.86%)
Short Float %1.35%
Short Ratio2.54
Dividend
Industry RankSector Rank
Dividend Yield 1.24%
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)2.76%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.37%
EPS NY rev (1m)0%
EPS NY rev (3m)-0.99%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.5%
Valuation
Industry RankSector Rank
PE 12.51
Fwd PE 13.32
P/S 3.62
P/FCF 18.03
P/OCF 15.58
P/B 1.28
P/tB 1.37
EV/EBITDA N/A
EPS(TTM)3.64
EY7.99%
EPS(NY)3.42
Fwd EY7.51%
FCF(TTM)2.53
FCFY5.55%
OCF(TTM)2.92
OCFY6.42%
SpS12.59
BVpS35.48
TBVpS33.18
PEG (NY)N/A
PEG (5Y)0.55
Graham Number53.91
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
WACC14.06%
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)8.98%
EPS 3Y17.92%
EPS 5Y22.87%
EPS Q2Q%-4.12%
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%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 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 12.51 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.