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HOMETRUST BANCSHARES INC (HTBI) Stock Fundamental Analysis

USA - 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

Taking everything into account, HTBI scores 4 out of 10 in our fundamental rating. HTBI was compared to 390 industry peers in the Banks industry. HTBI has an average financial health and profitability rating. HTBI 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

In the past year HTBI was profitable.
HTBI had a positive operating cash flow in the past year.
Of the past 5 years HTBI 4 years were profitable.
In multiple years HTBI reported negative operating cash flow during the last 5 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

HTBI has a better Return On Assets (1.47%) than 89.22% of its industry peers.
HTBI's Return On Equity of 12.64% is amongst the best of the industry. HTBI outperforms 86.47% of its industry peers.
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.
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 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

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4

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

HTBI has a debt to FCF ratio of 0.42. This is a very positive value and a sign of high solvency as it would only need 0.42 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.42, HTBI belongs to the top of the industry, outperforming 85.46% of the companies in the same industry.
A Debt/Equity ratio of 0.03 indicates that HTBI is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.03, HTBI belongs to the best 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

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2

3. Growth

3.1 Past

HTBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.19%, which is quite good.
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

Based on estimates for the next years, HTBI will show a decrease in Earnings Per Share. The EPS will decrease by -1.18% on average per year.
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

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4

4. Valuation

4.1 Price/Earnings Ratio

HTBI is valuated reasonably with a Price/Earnings ratio of 10.94.
73.18% of the companies in the same industry are more expensive than HTBI, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of HTBI to the average of the S&P500 Index (27.00), we can say HTBI is valued rather cheaply.
The Price/Forward Earnings ratio is 11.67, which indicates a very decent valuation of HTBI.
HTBI's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, HTBI is valued a bit cheaper.
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of HTBI is on the same level as its industry peers.
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

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4

5. Dividend

5.1 Amount

HTBI has a Yearly Dividend Yield of 1.31%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.50, HTBI is paying slightly less dividend.
With a Dividend Yield of 1.31, HTBI pays less dividend than the S&P500 average, which is at 2.31.
Industry RankSector Rank
Dividend Yield 1.31%

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 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

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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 Change-0.08%
Ins Owners2.95%
Ins Owner Change0%
Market Cap640.72M
Revenue(TTM)N/A
Net Income(TTM)68.25M
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
Graham NumberN/A
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
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 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

HOMETRUST BANCSHARES INC / HTBI FAQ

What is the fundamental rating for HTBI stock?

ChartMill assigns a fundamental rating of 4 / 10 to HTBI.


What is the valuation status for HTBI stock?

ChartMill assigns a valuation rating of 4 / 10 to HOMETRUST BANCSHARES INC (HTBI). This can be considered as Fairly Valued.


Can you provide the profitability details for HOMETRUST BANCSHARES INC?

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


What is the valuation of HOMETRUST BANCSHARES INC based on its PE and PB ratios?

The Price/Earnings (PE) ratio for HOMETRUST BANCSHARES INC (HTBI) is 10.94 and the Price/Book (PB) ratio is 1.19.


What is the expected EPS growth for HOMETRUST BANCSHARES INC (HTBI) stock?

The Earnings per Share (EPS) of HOMETRUST BANCSHARES INC (HTBI) is expected to decline by -6.25% in the next year.