HomeTrust Bancshares
Market Cap
US$460.2m
Last Updated
2019/10/20 00:29 UTC
Data Sources
Company Financials +
Executive Summary
HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products.
Snowflake
Fundamentals
Flawless balance sheet with acceptable track record.
Similar Companies
Share Price & News
How has HomeTrust Bancshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
2.8%
HTBI
2.7%
US Banks
0.4%
US Market
1 Year Return
-6.5%
HTBI
2.7%
US Banks
6.9%
US Market
Return vs Industry: HTBI underperformed the US Banks industry which returned 2.7% over the past year.
Return vs Market: HTBI underperformed the US Market which returned 6.9% over the past year.
Shareholder returns
| HTBI | Industry | Market | |
|---|---|---|---|
| 7 Day | 2.8% | 2.7% | 0.4% |
| 30 Day | -2.1% | 0.7% | -1.1% |
| 90 Day | 4.5% | 3.0% | -0.5% |
| 1 Year | -5.7%-6.5% | 5.7%2.7% | 9.3%6.9% |
| 3 Year | 45.0%43.7% | 52.1%41.6% | 45.8%36.4% |
| 5 Year | 73.6%72.0% | 69.2%50.7% | 62.9%45.1% |
Price Volatility Vs. Market
How volatile is HomeTrust Bancshares's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 week ago | Simply Wall St
Does HomeTrust Bancshares, Inc.'s (NASDAQ:HTBI) CEO Salary Reflect Performance?4 weeks ago | Simply Wall St
Should You Be Tempted To Sell HomeTrust Bancshares, Inc. (NASDAQ:HTBI) Because Of Its P/E Ratio?1 month ago | Simply Wall St
Do Institutions Own Shares In HomeTrust Bancshares, Inc. (NASDAQ:HTBI)?Valuation
Is HomeTrust Bancshares undervalued compared to its fair value and its price relative to the market?
17.04x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Undervalued: HTBI ($25.96) is trading above our estimate of fair value ($0.62)
Significantly Undervalued: HTBI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: HTBI is poor value based on its PE Ratio (17x) compared to the Banks industry average (12.6x).
PE vs Market: HTBI is good value based on its PE Ratio (17x) compared to the US market (17.6x).
Price to Earnings Growth Ratio
Low PEG Ratio: HTBI is poor value based on its PEG Ratio (2.4x)
Price to Book Ratio
PB vs Industry: HTBI is good value based on its PB Ratio (1.1x) compared to the US Banks industry average (1.2x).
Next Steps
Future Growth
How is HomeTrust Bancshares forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
7.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HTBI's forecast earnings growth (7% per year) is above the savings rate (2.7%).
Earnings vs Market: HTBI's earnings (7% per year) are forecast to grow slower than the US market (14.6% per year).
High Growth Earnings: HTBI's earnings are forecast to grow, but not significantly.
Revenue vs Market: Insufficient data to determine if HTBI's revenue is forecast to grow faster than the US market.
High Growth Revenue: Insufficient data to determine if HTBI's revenue is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: Insufficient data to determine if HTBI's Return on Equity is forecast to be high in 3 years time
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Past Performance
How has HomeTrust Bancshares performed over the past 5 years?
20.4%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: HTBI's earnings have grown significantly by 20.4% per year over the past 5 years.
Accelerating Growth: HTBI's earnings growth over the past year (229.7%) exceeds its 5-year average (20.4% per year).
Earnings vs Industry: HTBI earnings growth over the past year (229.7%) exceeded the Banks industry 29.6%.
Return on Equity
High ROE: HTBI's Return on Equity (6.6%) is considered low.
Return on Assets
ROA vs Industry: HTBI's Return on Assets is below or equal to the Banks industry average last year.
Return on Capital Employed
ROCE Improving: Insufficient data to calculate HTBI's Return on Capital Employed to determine if it has improved over the past 3 years.
Next Steps
Financial Health
How is HomeTrust Bancshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: HTBI has a low level of unsold assets or inventory.
Debt Coverage by Assets: HTBI's debt is not covered by short term assets (assets are 0.2x debt).
Financial Institutions Analysis
Asset Level: HTBI's level of assets compared to its equity is low.
Allowance for Bad Loans: HTBI has a sufficient allowance for bad loans.
Low Risk Liabilities: HTBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: HTBI has an acceptable proportion of non-loan assets held.
Low Risk Deposits: HTBI's loans are broadly funded by customer deposits.
Level of Bad Loans: HTBI has an appropriate level of bad loans (0.43%)
Next Steps
Dividend
What is HomeTrust Bancshares's current dividend yield, its reliability and sustainability?
0.92%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: HTBI's dividend (0.93%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.45%).
High Dividend: HTBI's dividend (0.93%) is low compared to the top 25% of dividend payers in the US market (3.73%).
Stable Dividend: Too early to tell whether HTBI's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if HTBI's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (11.8%), HTBI's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
What is the CEO of HomeTrust Bancshares's salary, the management and board of directors tenure and is there insider trading?
3.9yrs
Average management tenure
CEO
Dana Stonestreet (65yo)
6.3yrs
Tenure
US$1,047,385
Compensation
Mr. Dana L. Stonestreet has been President and a Director of HomeTrust Bank since 2008 and has been its Director since 2007. He has been Chief Executive Officer of HomeTrust Bancshares, Inc. and HomeTrust ...
CEO Compensation Analysis
Compensation vs. Market: Dana's total compensation ($USD1.05M) is below average for companies of similar size in the US market ($USD1.79M).
Compensation vs Earnings: Dana's compensation has been consistent with company performance over the past year.
Management Age and Tenure
3.9yrs
Average Tenure
56yo
Average Age
Experienced Management: HTBI's management team is considered experienced (3.9 years average tenure).
Board Age and Tenure
6.5yrs
Average Tenure
67.5yo
Average Age
Experienced Board: HTBI's board of directors are considered experienced (6.5 years average tenure).
Insider Trading
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Chief Information Officer Executive VP & Chief Information Officer |
| Shares | 503 |
| Max Price | US$25.44 |
Ownership Breakdown
Management Team
Keith Houghton (56yo)
Executive VP & Chief Credit Officer
- Tenure: 4.8yrs
- Compensation: US$364.15k
Bob Callicutt
Davidson County Market President of Hometrust Bank
- Tenure: 3.4yrs
Dana Stonestreet (65yo)
Chairman
- Tenure: 6.3yrs
- Compensation: US$1.05m
Tony VunCannon (54yo)
Executive VP
- Tenure: 13.3yrs
- Compensation: US$399.76k
Hunter Westbrook (56yo)
Senior EVP & COO
- Tenure: 1yrs
- Compensation: US$586.15k
R. Shipley
President of Tennessee Market - HomeTrust Bank
- Tenure: 2.8yrs
R. Little (51yo)
Executive VP & Chief Risk Officer
- Tenure: 4.6yrs
Bonnie Zelwak
VP & County Executive of Cleveland County & Gaston County North Carolina Markets - Hometrust Bank
- Tenure: 4.4yrs
Paula Labian (61yo)
Executive VP & Chief Human Resources Officer
- Tenure: 0.8yrs
Marty Caywood (47yo)
Executive VP & Chief Information Officer
- Tenure: 0.5yrs
- Compensation: US$415.17k
Board Members
Bob James (68yo)
Director
- Tenure: 3.5yrs
- Compensation: US$46.88k
Laura Kendall (67yo)
Director
- Tenure: 3.5yrs
- Compensation: US$45.88k
Bob Dinsmore (74yo)
Independent Director
- Tenure: 7.2yrs
- Compensation: US$93.02k
Stick Williams (65yo)
Vice Chairman & Lead Director
- Tenure: 1.9yrs
- Compensation: US$72.74k
John Switzer (62yo)
Director
- Tenure: 0.08yrs
- Compensation: US$14.60k
Sid Biesecker (68yo)
Independent Director
- Tenure: 7.8yrs
- Compensation: US$66.51k
J. Goforth (74yo)
Independent Director
- Tenure: 17.8yrs
- Compensation: US$105.55k
Craig Koontz (69yo)
Director
- Tenure: 7.3yrs
- Compensation: US$112.89k
Dana Stonestreet (65yo)
Chairman
- Tenure: 6.3yrs
- Compensation: US$1.05m
F. McFarland (62yo)
Independent Director
- Tenure: 16.8yrs
- Compensation: US$80.78k
Company Information
HomeTrust Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources
Key Information
- Name: HomeTrust Bancshares, Inc.
- Ticker: HTBI
- Exchange: NasdaqGS
- Founded: 1926
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$460.238m
- Shares outstanding: 17.73m
- Website: https://www.htb.com
Number of Employees
Location
- HomeTrust Bancshares, Inc.
- 10 Woodfin Street
- Asheville
- North Carolina
- 28801
- United States
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| HTBI | NasdaqGS (Nasdaq Global Select) | Yes | Common Stock | US | USD | Jul 2012 |
Biography
HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products. Its deposit products include savings, money market, and d ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/20 00:29 |
| End of Day Share Price | 2019/10/18 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2019/06/30 |
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.