| Snowflake Score | |
|---|---|
| Valuation | 0/6 |
| Future Growth | 1/6 |
| Past Performance | 1/6 |
| Financial Health | 6/6 |
| Dividends | 2/6 |
HTBI Stock Overview
HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services.
HomeTrust Bancshares Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$32.51 |
| 52 Week High | US$32.57 |
| 52 Week Low | US$19.55 |
| Beta | 0.63 |
| 1 Month Change | 9.87% |
| 3 Month Change | 11.64% |
| 1 Year Change | 56.15% |
| 3 Year Change | 21.53% |
| 5 Year Change | 29.26% |
| Change since IPO | 177.86% |
Recent News & Updates
HomeTrust Bancshares' (NASDAQ:HTBI) Dividend Will Be US$0.09
HomeTrust Bancshares, Inc. ( NASDAQ:HTBI ) has announced that it will pay a dividend of US$0.09 per share on the 2nd of...
Shareholder Returns
| HTBI | US Banks | US Market | |
|---|---|---|---|
| 7D | 0.8% | -0.5% | -0.5% |
| 1Y | 56.1% | 32.9% | 13.7% |
Return vs Industry: HTBI exceeded the US Banks industry which returned 32.9% over the past year.
Return vs Market: HTBI exceeded the US Market which returned 13.7% over the past year.
Price Volatility
| HTBI volatility | |
|---|---|
| HTBI Average Weekly Movement | 2.6% |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 6.6% |
| 10% most volatile stocks in US Market | 15.9% |
| 10% least volatile stocks in US Market | 2.4% |
Stable Share Price: HTBI is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: HTBI's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1926 | 563 | Dana Stonestreet | https://www.htb.com |
HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. Its deposit products include savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company’s loan portfolio comprises retail consumer loans, such as one-to-four-family real estate lending, home equity lines of credit, construction and land/lots, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and development, and commercial and industrial loans.
HomeTrust Bancshares Fundamentals Summary
| HTBI fundamental statistics | |
|---|---|
| Market Cap | US$525.90m |
| Earnings (TTM) | US$20.26m |
| Revenue (TTM) | US$156.60m |
26.0x
P/E Ratio1.3x
P/B RatioIs HTBI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| HTBI income statement (TTM) | |
|---|---|
| Revenue | US$156.60m |
| Cost of Revenue | US$0 |
| Gross Profit | US$156.60m |
| Expenses | US$136.34m |
| Earnings | US$20.26m |
Last Reported Earnings
Sep 30, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | 1.25 |
| Gross Margin | 100.00% |
| Net Profit Margin | 12.94% |
| Debt/Equity Ratio | 10.1% |
How did HTBI perform over the long term?
See historical performance and comparisonDividends
1.1%
Current Dividend Yield25%
Payout RatioValuation
Is HomeTrust Bancshares undervalued compared to its fair value and its price relative to the market?
25.96x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: HTBI ($32.51) is trading above our estimate of fair value ($31.87)
Significantly Below Fair Value: 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 (26x) compared to the US Banks industry average (11.3x).
PE vs Market: HTBI is poor value based on its PE Ratio (26x) compared to the US market (17.4x).
Price to Earnings Growth Ratio
PEG Ratio: HTBI is poor value based on its PEG Ratio (4.6x)
Price to Book Ratio
PB vs Industry: HTBI is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1.2x).
Future Growth
How is HomeTrust Bancshares forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
5.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HTBI's forecast earnings growth (5.6% per year) is above the savings rate (2%).
Earnings vs Market: HTBI's earnings (5.6% per year) are forecast to grow slower than the US market (13% per year).
High Growth Earnings: HTBI's earnings are forecast to grow, but not significantly.
Revenue vs Market: HTBI's revenue (1.4% per year) is forecast to grow slower than the US market (9.3% per year).
High Growth Revenue: HTBI's revenue (1.4% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: HTBI's Return on Equity is forecast to be low in 3 years time (7.6%).
Past Performance
How has HomeTrust Bancshares performed over the past 5 years?
18.0%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HTBI has a large one-off loss of $24.2M impacting its September 30 2021 financial results.
Growing Profit Margin: HTBI's current net profit margins (12.9%) are lower than last year (15.7%).
Past Earnings Growth Analysis
Earnings Trend: HTBI's earnings have grown by 18% per year over the past 5 years.
Accelerating Growth: HTBI's earnings growth over the past year (3.6%) is below its 5-year average (18% per year).
Earnings vs Industry: HTBI earnings growth over the past year (3.6%) underperformed the Banks industry 43.7%.
Return on Equity
High ROE: HTBI's Return on Equity (5.2%) is considered low.
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
Financial Institutions Analysis
Asset Level: HTBI's Assets to Equity ratio (8.8x) is low.
Allowance for Bad Loans: HTBI has a sufficient allowance for bad loans (511%).
Low Risk Liabilities: 97% of HTBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: HTBI has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: HTBI's Loans to Deposits ratio (90%) is appropriate.
Level of Bad Loans: HTBI has an appropriate level of bad loans (0.2%).
Dividend
What is HomeTrust Bancshares's current dividend yield, its reliability and sustainability?
1.11%
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: HTBI's dividend (1.11%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.32%).
High Dividend: HTBI's dividend (1.11%) is low compared to the top 25% of dividend payers in the US market (3.44%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, HTBI has been paying a dividend for less than 10 years.
Growing Dividend: HTBI's dividend payments have increased, but the company has only paid a dividend for 3 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (25.2%), HTBI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: HTBI's dividends in 3 years are forecast to be well covered by earnings (15.9% payout ratio).
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
6.7yrs
Average management tenure
CEO
Dana Stonestreet (67 yo)
8.17yrs
Tenure
US$1,179,044
Compensation
Mr. Dana L. Stonestreet has been Director of HomeTrust Bank since 2008 and served as President until October 28, 2020. Mr. Stonestreet has been Chief Executive Officer of HomeTrust Bancshares, Inc. since N...
CEO Compensation Analysis
Compensation vs Market: Dana's total compensation ($USD1.18M) is about average for companies of similar size in the US market ($USD1.68M).
Compensation vs Earnings: Dana's compensation has been consistent with company performance over the past year.
Leadership Team
Experienced Management: HTBI's management team is seasoned and experienced (6.7 years average tenure).
Board Members
Experienced Board: HTBI's board of directors are considered experienced (5.8 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: HTBI insiders have only sold shares in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
HomeTrust Bancshares, Inc.'s employee growth, exchange listings and data sources
Key Information
- Name: HomeTrust Bancshares, Inc.
- Ticker: HTBI
- Exchange: NasdaqGS
- Founded: 1926
- Industry: Regional Banks
- Sector: Banks
- Implied Market Cap: US$525.900m
- Shares outstanding: 16.18m
- Website: https://www.htb.com
Number of Employees
Location
- HomeTrust Bancshares, Inc.
- 10 Woodfin Street
- Asheville
- North Carolina
- 28801
- United States
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/01/16 23:13 |
| End of Day Share Price | 2022/01/14 00:00 |
| Earnings | 2021/09/30 |
| Annual Earnings | 2021/06/30 |
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.