HOMETRUST BANCSHARES INC(NYSE:HTB) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to HTB. HTB was compared to 398 industry peers in the Banks industry. HTB has an average financial health and profitability rating. HTB is valied quite expensively at the moment, while it does show a decent growth rate.

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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 each 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.

1.2 Ratios

The Return On Assets of HTB (1.18%) is better than 76.63% of its industry peers.

With a decent Return On Equity value of 9.83%, HTB is doing good in the industry, outperforming 64.57% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	1.18%
ROE	9.83%
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

1.3 Margins

HTB's Profit Margin of 26.84% is fine compared to the rest of the industry. HTB outperforms 69.35% 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 Rank	Sector Rank
OM	N/A
PM (TTM)	26.84%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

HTB does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, HTB has more shares outstanding

HTB has less shares outstanding than it did 5 years ago.

The debt/assets ratio for HTB is higher compared to a year ago.

2.2 Solvency

HTB has a debt to FCF ratio of 0.36. This is a very positive value and a sign of high solvency as it would only need 0.36 years to pay back of all of its debts.

HTB has a Debt to FCF ratio of 0.36. This is amongst the best in the industry. HTB outperforms 85.93% of its industry peers.

HTB has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.

HTB has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. HTB outperforms 86.68% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	0.36
Altman-Z	N/A

ROIC/WACCN/A

WACC13.42%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.19% over the past year.

The Earnings Per Share has been growing by 18.16% on average over the past years. This is quite good.

HTB shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -19.89%.

The Revenue has been growing by 9.28% on average over the past years. This is quite good.

EPS 1Y (TTM)17.19%

EPS 3Y41.86%

EPS 5Y18.16%

EPS Q2Q%7.78%

Revenue 1Y (TTM)-19.89%

Revenue growth 3Y12.2%

Revenue growth 5Y9.28%

Sales Q2Q%-49.04%

3.2 Future

The Earnings Per Share is expected to decrease by -1.23% on average over the next years.

The Revenue is expected to grow by 2.58% on average over the next years.

EPS Next Y-7.05%

EPS Next 2Y-1.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year1.13%

Revenue Next 2Y2.58%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 10.21, the valuation of HTB can be described as reasonable.

Based on the Price/Earnings ratio, HTB is valued a bit cheaper than 68.34% of the companies in the same industry.

HTB is valuated cheaply when we compare the Price/Earnings ratio to 28.79, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 10.98, the valuation of HTB can be described as reasonable.

HTB's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. HTB is more expensive than 61.31% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, HTB is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	10.21
Fwd PE	10.98

4.2 Price Multiples

74.62% of the companies in the same industry are cheaper than HTB, based on the Price/Free Cash Flow ratio.

		Industry Rank	Sector Rank
P/FCF	21.2
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)0.56

EPS Next 2Y-1.23%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

HTB has a Yearly Dividend Yield of 1.37%.

HTB's Dividend Yield is slightly below the industry average, which is at 3.58.

Compared to an average S&P500 Dividend Yield of 2.51, HTB's dividend is way lower than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	1.37%

5.2 History

The dividend of HTB is nicely growing with an annual growth rate of 20.63%!

HTB has been paying a dividend for over 5 years, so it has already some track record.

Dividend Growth(5Y)20.63%

Div Incr YearsN/A

Div Non Decr YearsN/A

5.3 Sustainability

14.13% of the earnings are spent on dividend by HTB. This is a low number and sustainable payout ratio.

DP14.13%

EPS Next 2Y-1.23%

EPS Next 3YN/A

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HOMETRUST BANCSHARES INC

NYSE:HTB (4/25/2025, 7:00:00 PM)

After market: 34.1 0 (0%)

34.1

-0.5 (-1.45%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-23 2025-04-23/amc

Earnings (Next)07-22 2025-07-22/amc

Inst Owners58.25%

Inst Owner ChangeN/A

Ins Owners2.95%

Ins Owner ChangeN/A

Market Cap598.46M

Analysts82.22

Price Target44.24 (29.74%)

Short Float %0.33%

Short Ratio1.33

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.37%

Yearly Dividend0.44

Dividend Growth(5Y)20.63%

DP14.13%

Div Incr YearsN/A

Div Non Decr YearsN/A

Ex-Date02-13 2025-02-13 (0.12)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)12.52%

Min EPS beat(2)-2.59%

Max EPS beat(2)27.63%

EPS beat(4)2

Avg EPS beat(4)9.12%

Min EPS beat(4)-2.59%

Max EPS beat(4)27.63%

EPS beat(8)5

Avg EPS beat(8)5.73%

EPS beat(12)7

Avg EPS beat(12)6.1%

EPS beat(16)11

Avg EPS beat(16)27.4%

Revenue beat(2)1

Avg Revenue beat(2)-1.97%

Min Revenue beat(2)-6.07%

Max Revenue beat(2)2.14%

Revenue beat(4)2

Avg Revenue beat(4)-0.57%

Min Revenue beat(4)-6.07%

Max Revenue beat(4)2.24%

Revenue beat(8)6

Avg Revenue beat(8)16.42%

Revenue beat(12)9

Avg Revenue beat(12)13.7%

Revenue beat(16)13

Avg Revenue beat(16)16.27%

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	10.21
Fwd PE	10.98
P/S	2.96
P/FCF	21.2
P/OCF	13.31
P/B	1.08
P/tB	1.17
EV/EBITDA	N/A

EPS(TTM)3.34

EY9.79%

EPS(NY)3.1

Fwd EY9.1%

FCF(TTM)1.61

FCFY4.72%

OCF(TTM)2.56

OCFY7.51%

SpS11.52

BVpS31.44

TBVpS29.12

PEG (NY)N/A

PEG (5Y)0.56

Profitability

		Industry Rank	Sector Rank
ROA	1.18%
ROE	9.83%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	26.84%
GM	N/A
FCFM	13.97%

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

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 3Y35.33%

PM growth 5Y5.22%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	0.36
Debt/EBITDA	N/A
Cap/Depr	143.83%
Cap/Sales	8.28%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	52.04%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC13.42%

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)17.19%

EPS 3Y41.86%

EPS 5Y18.16%

EPS Q2Q%7.78%

EPS Next Y-7.05%

EPS Next 2Y-1.23%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-19.89%

Revenue growth 3Y12.2%

Revenue growth 5Y9.28%

Sales Q2Q%-49.04%

Revenue Next Year1.13%

Revenue Next 2Y2.58%

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 1Y149.4%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y206.06%

OCF growth 3Y61.43%

OCF growth 5Y42.59%

HOMETRUST BANCSHARES INC (HTB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens