| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 2/6 |
| Past Performance | 5/6 |
| 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.
Rewards
Risk Analysis
No risks detected for HTBI from our risk checks.
HomeTrust Bancshares Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$24.71 |
| 52 Week High | US$32.60 |
| 52 Week Low | US$22.88 |
| Beta | 0.60 |
| 1 Month Change | -1.79% |
| 3 Month Change | -7.83% |
| 1 Year Change | -11.66% |
| 3 Year Change | -1.16% |
| 5 Year Change | 7.44% |
| Change since IPO | 111.20% |
Recent News & Updates
HomeTrust Bancshares (NASDAQ:HTBI) Has Announced A Dividend Of $0.09
The board of HomeTrust Bancshares, Inc. ( NASDAQ:HTBI ) has announced that it will pay a dividend on the 1st of...
Shareholder Returns
| HTBI | US Banks | US Market | |
|---|---|---|---|
| 7D | 2.7% | 3.0% | 1.2% |
| 1Y | -11.7% | -14.5% | -11.6% |
Return vs Industry: HTBI exceeded the US Banks industry which returned -15.3% over the past year.
Return vs Market: HTBI exceeded the US Market which returned -13.5% over the past year.
Price Volatility
| HTBI volatility | |
|---|---|
| HTBI Average Weekly Movement | 3.3% |
| Banks Industry Average Movement | 3.7% |
| Market Average Movement | 7.9% |
| 10% most volatile stocks in US Market | 17.0% |
| 10% least volatile stocks in US Market | 3.2% |
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$382.19m |
| Earnings (TTM) | US$35.65m |
| Revenue (TTM) | US$150.56m |
10.7x
P/E Ratio1.0x
P/B RatioIs HTBI overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| HTBI income statement (TTM) | |
|---|---|
| Revenue | US$150.56m |
| Cost of Revenue | US$0 |
| Gross Profit | US$150.56m |
| Other Expenses | US$114.91m |
| Earnings | US$35.65m |
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.31 |
| Gross Margin | 100.00% |
| Net Profit Margin | 23.68% |
| Debt/Equity Ratio | 0.0% |
How did HTBI perform over the long term?
See historical performance and comparisonDividends
1.5%
Current Dividend Yield15%
Payout RatioDoes HTBI pay a reliable dividends?
See HTBI dividend history and benchmarks| HomeTrust Bancshares dividend dates | |
|---|---|
| Ex Dividend Date | Aug 17 2022 |
| Dividend Pay Date | Sep 01 2022 |
| Days until Ex dividend | 6 days |
| Days until Dividend pay date | 21 days |
Does HTBI pay a reliable dividends?
See HTBI dividend history and benchmarksValuation
Is HTBI undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
2/6Valuation Score 2/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Analyst Forecast
Key Valuation Metric
Which metric is best to use when looking at relative valuation for HTBI?
Other financial metrics that can be useful for relative valuation.
| What is HTBI's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | US$382.19m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | 1x |
Price to Earnings Ratio vs Peers
How does HTBI's PE Ratio compare to its peers?
| HTBI PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 10x | ||
RRBI Red River Bancshares | 11.9x | 6.3% | US$393.8m |
EBTC Enterprise Bancorp | 10.1x | n/a | US$393.2m |
PFIS Peoples Financial Services | 8.6x | -2.5% | US$381.8m |
AMNB American National Bankshares | 9.5x | -6.8% | US$368.5m |
HTBI HomeTrust Bancshares | 10.7x | 11.0% | US$382.2m |
Price-To-Earnings vs Peers: HTBI is expensive based on its Price-To-Earnings Ratio (10.7x) compared to the peer average (10x).
Price to Earnings Ratio vs Industry
How does HTBI's PE Ratio compare vs other companies in the US Banks Industry?
Price-To-Earnings vs Industry: HTBI is expensive based on its Price-To-Earnings Ratio (10.7x) compared to the US Banks industry average (9.9x)
Price to Earnings Ratio vs Fair Ratio
What is HTBI's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 10.7x |
| Fair PE Ratio | 12.8x |
Price-To-Earnings vs Fair Ratio: HTBI is good value based on its Price-To-Earnings Ratio (10.7x) compared to the estimated Fair Price-To-Earnings Ratio (12.8x).
Share Price vs Fair Value
What is the Fair Price of HTBI when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: HTBI ($24.71) is trading below our estimate of fair value ($26.31)
Significantly Below Fair Value: HTBI is trading below fair value, but not by a significant amount.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
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Future Growth
How is HomeTrust Bancshares forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
Future Growth Score
2/6Future Growth Score 2/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
11.0%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HTBI's forecast earnings growth (11% per year) is above the savings rate (1.9%).
Earnings vs Market: HTBI's earnings (11% 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: HTBI's revenue (10.8% per year) is forecast to grow faster than the US market (7.9% per year).
High Growth Revenue: HTBI's revenue (10.8% 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 (9.1%).
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Past Performance
How has HomeTrust Bancshares performed over the past 5 years?
Past Performance Score
5/6Past Performance Score 5/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
16.9%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HTBI has high quality earnings.
Growing Profit Margin: HTBI's current net profit margins (23.7%) are higher than last year (10.3%).
Past Earnings Growth Analysis
Earnings Trend: HTBI's earnings have grown by 16.9% per year over the past 5 years.
Accelerating Growth: HTBI's earnings growth over the past year (129.6%) exceeds its 5-year average (16.9% per year).
Earnings vs Industry: HTBI earnings growth over the past year (129.6%) exceeded the Banks industry 9.2%.
Return on Equity
High ROE: HTBI's Return on Equity (9.2%) is considered low.
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Financial Health
How is HomeTrust Bancshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score
6/6Financial Health Score 6/6
Asset Level
Allowance for Bad Loans
Low Risk Liabilities
Loan Level
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HTBI's Assets to Equity ratio (9.1x) is low.
Allowance for Bad Loans: HTBI has a sufficient allowance for bad loans (569%).
Low Risk Liabilities: 98% 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 (88%) is appropriate.
Level of Bad Loans: HTBI has an appropriate level of bad loans (0.2%).
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Dividend
What is HomeTrust Bancshares's current dividend yield, its reliability and sustainability?
Dividend Score
2/6Dividend Score 2/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
1.46%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: HTBI's dividend (1.46%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.51%).
High Dividend: HTBI's dividend (1.46%) is low compared to the top 25% of dividend payers in the US market (4.09%).
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 4 years.
Current Payout to Shareholders
Earnings Coverage: With its low payout ratio (15.2%), 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 thoroughly covered by earnings (12.8% payout ratio).
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Management
How experienced are the management team and are they aligned to shareholders interests?
6.9yrs
Average management tenure
CEO
Dana Stonestreet (68 yo)
8.75yrs
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 below average for companies of similar size in the US market ($USD2.68M).
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 (6.9 years average tenure).
Board Members
Experienced Board: HTBI's board of directors are considered experienced (6.3 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold 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$382.191m
- Shares outstanding: 15.47m
- 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 | 2022/08/10 00:00 |
| End of Day Share Price | 2022/08/10 00:00 |
| Earnings | 2022/06/30 |
| Annual Earnings | 2022/06/30 |
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.