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HOMETRUST BANCSHARES INC (HTBI) Stock Fundamental Analysis

NASDAQ:HTBI - Nasdaq - US4378721041 - Common Stock

34.67  -0.35 (-1%)

Fundamental Rating

4

Taking everything into account, HTBI scores 4 out of 10 in our fundamental rating. HTBI was compared to 405 industry peers in the Banks industry. HTBI has only an average score on both its financial health and profitability. HTBI has a correct valuation and a medium growth rate.


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.
Each year in the past 5 years HTBI has been profitable.
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

With an excellent Return On Assets value of 1.47%, HTBI belongs to the best of the industry, outperforming 89.45% of the companies in the same industry.
With an excellent Return On Equity value of 12.64%, HTBI belongs to the best of the industry, outperforming 87.19% 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

With a decent Profit Margin value of 27.12%, HTBI is doing good in the industry, outperforming 72.86% of the companies in the same industry.
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.
The number of shares outstanding for HTBI has been increased compared to 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.
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.
HTBI's Debt to FCF ratio of 0.42 is amongst the best of the industry. HTBI outperforms 85.43% 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.
The Debt to Equity ratio of HTBI (0.03) is better than 84.92% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.42
Altman-Z N/A
ROIC/WACCN/A
WACC9.11%
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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5

3. Growth

3.1 Past

HTBI shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 8.77%, 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 15.61% yearly.
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)8.77%
EPS 3Y29.91%
EPS 5Y15.61%
EPS Q2Q%-18.89%
Revenue 1Y (TTM)25.67%
Revenue growth 3Y11.94%
Revenue growth 5Y9.4%
Sales Q2Q%-0.99%

3.2 Future

HTBI is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.08% yearly.
Based on estimates for the next years, HTBI will show a small growth in Revenue. The Revenue will grow by 3.19% on average per year.
EPS Next Y12.38%
EPS Next 2Y2.53%
EPS Next 3Y3.08%
EPS Next 5YN/A
Revenue Next Year6.44%
Revenue Next 2Y2.95%
Revenue Next 3Y3.19%
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.
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

A Price/Earnings ratio of 11.18 indicates a reasonable valuation of HTBI.
74.87% of the companies in the same industry are more expensive than HTBI, based on the Price/Earnings ratio.
HTBI is valuated cheaply when we compare the Price/Earnings ratio to 28.29, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 11.57, which indicates a very decent valuation of HTBI.
HTBI's Price/Forward Earnings is on the same level as the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.44, HTBI is valued rather cheaply.
Industry RankSector Rank
PE 11.18
Fwd PE 11.57
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

HTBI's Price/Free Cash Flow ratio is a bit more expensive when compared to the industry. HTBI is more expensive than 60.05% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.96
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

HTBI's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.9
PEG (5Y)0.72
EPS Next 2Y2.53%
EPS Next 3Y3.08%

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4

5. Dividend

5.1 Amount

HTBI has a Yearly Dividend Yield of 1.43%.
Compared to an average industry Dividend Yield of 3.22, HTBI is paying slightly less dividend.
Compared to the average S&P500 Dividend Yield of 2.28, HTBI is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.43%

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 0.1 0.2 0.3 0.4

5.3 Sustainability

10.95% of the earnings are spent on dividend by HTBI. This is a low number and sustainable payout ratio.
HTBI's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP10.95%
EPS Next 2Y2.53%
EPS Next 3Y3.08%
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 (1/22/2025, 11:36:31 AM)

34.67

-0.35 (-1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-24 2024-10-24/bmo
Earnings (Next)01-23 2025-01-23/bmo
Inst Owners57.26%
Inst Owner Change-0.23%
Ins Owners2.83%
Ins Owner Change0.01%
Market Cap607.77M
Analysts82
Price Target43.86 (26.51%)
Short Float %0.23%
Short Ratio0.78
Dividend
Industry RankSector Rank
Dividend Yield 1.43%
Yearly Dividend0.38
Dividend Growth(5Y)13.04%
DP10.95%
Div Incr Years6
Div Non Decr Years6
Ex-DateN/A
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)3.2%
PT rev (3m)6.67%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.49%
EPS NY rev (1m)0%
EPS NY rev (3m)0.64%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.49%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.54%
Valuation
Industry RankSector Rank
PE 11.18
Fwd PE 11.57
P/S 2.42
P/FCF 15.96
P/OCF 9.77
P/B 1.13
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)3.1
EY8.94%
EPS(NY)3
Fwd EY8.64%
FCF(TTM)2.17
FCFY6.27%
OCF(TTM)3.55
OCFY10.23%
SpS14.35
BVpS30.8
TBVpS28.45
PEG (NY)0.9
PEG (5Y)0.72
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
WACC9.11%
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)8.77%
EPS 3Y29.91%
EPS 5Y15.61%
EPS Q2Q%-18.89%
EPS Next Y12.38%
EPS Next 2Y2.53%
EPS Next 3Y3.08%
EPS Next 5YN/A
Revenue 1Y (TTM)25.67%
Revenue growth 3Y11.94%
Revenue growth 5Y9.4%
Sales Q2Q%-0.99%
Revenue Next Year6.44%
Revenue Next 2Y2.95%
Revenue Next 3Y3.19%
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