Logo image of HTBI

HOMETRUST BANCSHARES INC (HTBI) Stock Fundamental Analysis

NASDAQ:HTBI - US4378721041 - Common Stock

36.55 USD
-0.65 (-1.75%)
Last: 2/21/2025, 8:26:09 PM
36.55 USD
0 (0%)
After Hours: 2/21/2025, 8:26:09 PM
Fundamental Rating

4

Overall HTBI gets a fundamental rating of 4 out of 10. We evaluated HTBI against 393 industry peers in the Banks industry. Both the profitability and the financial health of HTBI get a neutral evaluation. Nothing too spectacular is happening here. HTBI has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

Quickly go to:

4

1. Profitability

1.1 Basic Checks

HTBI had positive earnings in the past year.
In the past year HTBI had a positive cash flow from operations.
HTBI had positive earnings in 4 of the past 5 years.
The reported operating cash flow has been mixed in the past 5 years: HTBI reported negative operating cash flow in multiple years.
HTBI Yearly Net Income VS EBIT VS OCF VS FCFHTBI 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 0 20M -20M 40M -40M

1.2 Ratios

The Return On Assets of HTBI (1.47%) is better than 89.22% of its industry peers.
With an excellent Return On Equity value of 12.64%, HTBI belongs to the best of the industry, outperforming 86.47% of the companies in the same industry.
Industry RankSector Rank
ROA 1.47%
ROE 12.64%
ROIC N/A
ROA(3y)0.8%
ROA(5y)0.76%
ROE(3y)7.46%
ROE(5y)6.9%
ROIC(3y)N/A
ROIC(5y)N/A
HTBI Yearly ROA, ROE, ROICHTBI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2 4 6 8

1.3 Margins

HTBI has a Profit Margin of 27.12%. This is in the better half of the industry: HTBI outperforms 72.43% of its industry peers.
In the last couple of years the Profit Margin of HTBI has grown nicely.
The Operating Margin and Gross Margin are not available for HTBI so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 27.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.72%
PM growth 5Y28.03%
GM growth 3YN/A
GM growth 5YN/A
HTBI Yearly Profit, Operating, Gross MarginsHTBI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15 20

More info and screens

4

2. Health

2.1 Basic Checks

HTBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for HTBI. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
HTBI Yearly Shares OutstandingHTBI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M
HTBI Yearly Total Debt VS Total AssetsHTBI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B 4B

2.2 Solvency

The Debt to FCF ratio of HTBI is 0.42, which is an excellent value as it means it would take HTBI, only 0.42 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of HTBI (0.42) is better than 85.46% of its industry peers.
HTBI has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.03, HTBI belongs to the top of the industry, outperforming 84.71% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.42
Altman-Z N/A
ROIC/WACCN/A
WACC8.88%
HTBI Yearly LT Debt VS Equity VS FCFHTBI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100M 200M 300M 400M

2.3 Liquidity

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

More info and screens

2

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.19% over the past year.
HTBI shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 18.16% yearly.
EPS 1Y (TTM)17.19%
EPS 3Y41.86%
EPS 5Y18.16%
EPS Q2Q%7.78%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%1.31%

3.2 Future

HTBI is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.18% yearly.
The Revenue is expected to grow by 2.34% on average over the next years.
EPS Next Y-6.25%
EPS Next 2Y-1.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.02%
Revenue Next 2Y2.34%
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.
HTBI Yearly Revenue VS EstimatesHTBI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M
HTBI Yearly EPS VS EstimatesHTBI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3

More info and screens

4

4. Valuation

4.1 Price/Earnings Ratio

HTBI is valuated reasonably with a Price/Earnings ratio of 10.94.
Based on the Price/Earnings ratio, HTBI is valued a bit cheaper than 73.18% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.17. HTBI is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 11.67, which indicates a very decent valuation of HTBI.
Compared to the rest of the industry, the Price/Forward Earnings ratio of HTBI is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.78. HTBI is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 10.94
Fwd PE 11.67
HTBI Price Earnings VS Forward Price EarningsHTBI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as HTBI.
Industry RankSector Rank
P/FCF 16.82
EV/EBITDA N/A
HTBI Per share dataHTBI 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)0.6
EPS Next 2Y-1.18%
EPS Next 3YN/A

More info and screens

4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.31%, HTBI has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.30, HTBI is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.34, HTBI's dividend is way lower than the S&P500 average.
Industry RankSector Rank
Dividend Yield 1.31%

5.2 History

The dividend of HTBI is nicely growing with an annual growth rate of 13.04%!
HTBI has been paying a dividend for over 5 years, so it has already some track record.
As HTBI did not decrease their dividend in the past 5 years, we can say the dividend looks stable.
Dividend Growth(5Y)13.04%
Div Incr Years6
Div Non Decr Years6
HTBI Yearly Dividends per shareHTBI Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 0.1 0.2 0.3 0.4

5.3 Sustainability

HTBI pays out 10.95% of its income as dividend. This is a sustainable payout ratio.
DP10.95%
EPS Next 2Y-1.18%
EPS Next 3YN/A
HTBI Yearly Income VS Free CF VS DividendHTBI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M -20M 40M -40M
HTBI Dividend Payout.HTBI Dividend Payout, showing the Payout Ratio.HTBI Dividend Payout.PayoutRetained Earnings

More info and screens

HOMETRUST BANCSHARES INC

NASDAQ:HTBI (2/21/2025, 8:26:09 PM)

After market: 36.55 0 (0%)

36.55

-0.65 (-1.75%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-23 2025-01-23/dmh
Earnings (Next)07-22 2025-07-22/amc
Inst Owners58.25%
Inst Owner Change0.2%
Ins Owners2.95%
Ins Owner Change0%
Market Cap640.72M
Analysts82
Price Target44.37 (21.4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.31%
Yearly Dividend0.38
Dividend Growth(5Y)13.04%
DP10.95%
Div Incr Years6
Div Non Decr Years6
Ex-Date02-13 2025-02-13 (0.12)
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-2.53%
Min EPS beat(2)-3.55%
Max EPS beat(2)-1.51%
EPS beat(4)2
Avg EPS beat(4)1.7%
Min EPS beat(4)-3.55%
Max EPS beat(4)10.89%
EPS beat(8)4
Avg EPS beat(8)-2.58%
EPS beat(12)7
Avg EPS beat(12)5.21%
EPS beat(16)11
Avg EPS beat(16)25.34%
Revenue beat(2)1
Avg Revenue beat(2)-2.88%
Min Revenue beat(2)-6.99%
Max Revenue beat(2)1.23%
Revenue beat(4)1
Avg Revenue beat(4)-2.75%
Min Revenue beat(4)-6.99%
Max Revenue beat(4)1.23%
Revenue beat(8)4
Avg Revenue beat(8)5.91%
Revenue beat(12)7
Avg Revenue beat(12)5.6%
Revenue beat(16)11
Avg Revenue beat(16)11.36%
PT rev (1m)1.16%
PT rev (3m)6.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.8%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE 10.94
Fwd PE 11.67
P/S 2.55
P/FCF 16.82
P/OCF 10.3
P/B 1.19
P/tB 1.28
EV/EBITDA N/A
EPS(TTM)3.34
EY9.14%
EPS(NY)3.13
Fwd EY8.57%
FCF(TTM)2.17
FCFY5.94%
OCF(TTM)3.55
OCFY9.71%
SpS14.35
BVpS30.8
TBVpS28.45
PEG (NY)N/A
PEG (5Y)0.6
Profitability
Industry RankSector Rank
ROA 1.47%
ROE 12.64%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 27.12%
GM N/A
FCFM 15.14%
ROA(3y)0.8%
ROA(5y)0.76%
ROE(3y)7.46%
ROE(5y)6.9%
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 3Y11.72%
PM growth 5Y28.03%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.42
Debt/EBITDA N/A
Cap/Depr 218.16%
Cap/Sales 9.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 55.81%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.88%
ROIC/WACCN/A
Cap/Depr(3y)186.28%
Cap/Depr(5y)230.94%
Cap/Sales(3y)11.23%
Cap/Sales(5y)12.22%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)17.19%
EPS 3Y41.86%
EPS 5Y18.16%
EPS Q2Q%7.78%
EPS Next Y-6.25%
EPS Next 2Y-1.18%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%1.31%
Revenue Next Year1.02%
Revenue Next 2Y2.34%
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 1Y57.45%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y117.17%
OCF growth 3YN/A
OCF growth 5YN/A