HOMETRUST BANCSHARES INC (HTBI)
US4378721041 - Common Stock
Overall HTBI gets a fundamental rating of 3 out of 10. We evaluated HTBI against 411 industry peers in the Banks industry. HTBI has a bad profitability rating. Also its financial health evaluation is rather negative. HTBI has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
HTBI had positive earnings in the past year.
Each year in the past 5 years HTBI has been profitable.
In multiple years HTBI reported negative operating cash flow during the last 5 years.
1.2 Ratios
The profitability ratios for HTBI are negative, so there is not much use analyzing them.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | N/A | ||
| ROE | N/A | ||
| 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
1.3 Margins
HTBI has a Profit Margin (23.45%) which is in line with its industry peers.
HTBI's Profit Margin has improved in the last couple of years.
HTBI does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.45% | ||
| 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
2. Health
2.1 Basic Checks
HTBI does not have a ROIC to compare to the WACC, probably because it is not profitable.
HTBI has more shares outstanding than it did 1 year ago.
The number of shares outstanding for HTBI has been reduced compared to 5 years ago.
The debt/assets ratio for HTBI is higher compared to a year ago.
2.2 Solvency
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC10.13%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
HTBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 48.07%, which is quite impressive.
Measured over the past years, HTBI shows a quite strong growth in Earnings Per Share. The EPS has been growing by 15.61% on average per year.
HTBI shows a strong growth in Revenue. In the last year, the Revenue has grown by 25.67%.
The Revenue has been growing by 9.40% on average over the past years. This is quite good.
EPS 1Y (TTM)48.07%
EPS 3Y29.91%
EPS 5Y15.61%
EPS growth Q2Q120%
Revenue 1Y (TTM)25.67%
Revenue growth 3Y11.94%
Revenue growth 5Y9.4%
Revenue growth Q2QN/A
3.2 Future
Based on estimates for the next years, HTBI will show a decrease in Earnings Per Share. The EPS will decrease by -0.16% on average per year.
Based on estimates for the next years, HTBI will show a small growth in Revenue. The Revenue will grow by 1.56% on average per year.
EPS Next Y1.28%
EPS Next 2Y-0.16%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.14%
Revenue Next 2Y1.56%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.56 indicates a rather cheap valuation of HTBI.
HTBI's Price/Earnings ratio is a bit cheaper when compared to the industry. HTBI is cheaper than 79.81% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 24.92. HTBI is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 9.18, the valuation of HTBI can be described as reasonable.
Based on the Price/Forward Earnings ratio, HTBI is valued a bit cheaper than the industry average as 70.56% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.49, HTBI is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 9.18 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)5.89
PEG (5Y)0.48
EPS Next 2Y-0.16%
EPS Next 3YN/A
5. Dividend
5.1 Amount
HTBI has a Yearly Dividend Yield of 1.69%.
HTBI's Dividend Yield is slightly below the industry average, which is at 3.81.
HTBI's Dividend Yield is slightly below the S&P500 average, which is at 2.43.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
5.2 History
On average, the dividend of HTBI grows each year by 13.04%, which is quite nice.
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 Years5
Div Non Decr Years5
5.3 Sustainability
HTBI pays out 4.20% of its income as dividend. This is a sustainable payout ratio.
DP4.2%
EPS Next 2Y-0.16%
EPS Next 3YN/A
HOMETRUST BANCSHARES INC
NASDAQ:HTBI (4/26/2024, 7:00:02 PM)
After market: 26.08 0 (0%)26.08
-0.01 (-0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap454.84M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
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EPS beat(8)
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EPS beat(16)
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Revenue beat(2)
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Revenue beat(8)
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Revenue beat(12)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.56 | ||
| Fwd PE | 9.18 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)5.89
PEG (5Y)0.48
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | N/A | ||
| ROE | N/A | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 23.45% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset TurnoverN/A
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)48.07%
EPS 3Y29.91%
EPS 5Y
EPS growth Q2Q
EPS Next Y1.28%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)25.67%
Revenue growth 3Y11.94%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y