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HomeTrust Bancshares

Nasdaq:HTBI
Snowflake Description

Flawless balance sheet with acceptable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
HTBI
Nasdaq
$461M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products. The last earnings update was 13 days ago. More info.


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HTBI Share Price and Events
7 Day Returns
0.8%
NasdaqGS:HTBI
0.5%
US Banks
1.6%
US Market
1 Year Returns
-5.8%
NasdaqGS:HTBI
-10%
US Banks
2.6%
US Market
HTBI Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
HomeTrust Bancshares (HTBI) 0.8% 0.6% -8% -5.8% 37.7% 69.3%
US Banks 0.5% -3.2% -2.2% -10% 41.6% 47.1%
US Market 1.6% -1.7% 2.1% 2.6% 38.5% 41.4%
1 Year Return vs Industry and Market
  • HTBI outperformed the Banks industry which returned -10% over the past year.
  • HTBI underperformed the Market in United States of America which returned 2.6% over the past year.
Price Volatility
HTBI
Industry
5yr Volatility vs Market

HTBI Value

 Is HomeTrust Bancshares undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of HomeTrust Bancshares to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for HomeTrust Bancshares.

NasdaqGS:HTBI Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= $23.56 * 2.9%
$0.68
Book Value of Equity per Share Weighted future Book Value estimates from 2 analysts. $23.56
Discount Rate (Cost of Equity) See below 10.1%
Perpetual Growth Rate 10-Year US Government Bond Rate 2.7%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NasdaqGS:HTBI
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year US Govt Bond Rate 2.7%
Equity Risk Premium S&P Global 6%
Banks Unlevered Beta Simply Wall St/ S&P Global 0.62
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.622 (1 + (1- 21%) (147.8%))
1.233
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.23
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 2.73% + (1.233 * 5.96%)
10.08%

Discounted Cash Flow Calculation for NasdaqGS:HTBI using Excess Returns Model Model

The calculations below outline how an intrinsic value for HomeTrust Bancshares is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NasdaqGS:HTBI Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (2.9% – 10.08%) * $23.56)
$-1.70
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= $-1.70 / (10.08% - 2.73%)
$-23.08
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= $23.56 + $-23.08
$0.48
NasdaqGS:HTBI Discount to Share Price
Calculation Result
Value per share (USD) From above. $0.48
Current discount Discount to share price of $25.47
= -1 x ($25.47 - $0.48) / $0.48
-5198.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of HomeTrust Bancshares is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for HomeTrust Bancshares's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are HomeTrust Bancshares's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NasdaqGS:HTBI PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-03-31) in USD $1.46
NasdaqGS:HTBI Share Price ** NasdaqGS (2019-05-21) in USD $25.47
United States of America Banks Industry PE Ratio Median Figure of 593 Publicly-Listed Banks Companies 12.81x
United States of America Market PE Ratio Median Figure of 3,087 Publicly-Listed Companies 17.74x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of HomeTrust Bancshares.

NasdaqGS:HTBI PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NasdaqGS:HTBI Share Price ÷ EPS (both in USD)

= 25.47 ÷ 1.46

17.42x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • HomeTrust Bancshares is overvalued based on earnings compared to the US Banks industry average.
  • HomeTrust Bancshares is good value based on earnings compared to the United States of America market.
Price based on expected Growth
Does HomeTrust Bancshares's expected growth come at a high price?
Raw Data
NasdaqGS:HTBI PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 17.42x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts
11.6%per year
United States of America Banks Industry PEG Ratio Median Figure of 270 Publicly-Listed Banks Companies 1.33x
United States of America Market PEG Ratio Median Figure of 2,123 Publicly-Listed Companies 1.53x

*Line of best fit is calculated by linear regression .

NasdaqGS:HTBI PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 17.42x ÷ 11.6%

1.51x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • HomeTrust Bancshares is poor value based on expected growth next year.
Price based on value of assets
What value do investors place on HomeTrust Bancshares's assets?
Raw Data
NasdaqGS:HTBI PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-03-31) in USD $22.45
NasdaqGS:HTBI Share Price * NasdaqGS (2019-05-21) in USD $25.47
United States of America Banks Industry PB Ratio Median Figure of 598 Publicly-Listed Banks Companies 1.21x
United States of America Market PB Ratio Median Figure of 5,202 Publicly-Listed Companies 1.84x
NasdaqGS:HTBI PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NasdaqGS:HTBI Share Price ÷ Book Value per Share (both in USD)

= 25.47 ÷ 22.45

1.13x

* Primary Listing of HomeTrust Bancshares.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • HomeTrust Bancshares is good value based on assets compared to the US Banks industry average.
X
Value checks
We assess HomeTrust Bancshares's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. HomeTrust Bancshares has a total score of 2/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

HTBI Future Performance

 How is HomeTrust Bancshares expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
11.6%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is HomeTrust Bancshares expected to grow at an attractive rate?
  • HomeTrust Bancshares's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • HomeTrust Bancshares's earnings growth is positive but not above the United States of America market average.
  • HomeTrust Bancshares's revenue growth is positive but not above the United States of America market average.
Annual Growth Rates Comparison
Raw Data
NasdaqGS:HTBI Future Growth Rates Data Sources
Data Point Source Value (per year)
NasdaqGS:HTBI Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts 11.6%
NasdaqGS:HTBI Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 2 Analysts 6.7%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 3.9%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.9%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 13.8%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.3%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NasdaqGS:HTBI Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NasdaqGS:HTBI Future Estimates Data
Date (Data in USD Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-06-30 144 33 1
2020-06-30 136 32 1
2019-06-30 130 26 1
NasdaqGS:HTBI Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-03-31 122 16 26
2018-12-31 126 26 29
2018-09-30 123 32 10
2018-06-30 120 31 8
2018-03-31 117 31 6
2017-12-31 116 24 0
2017-09-30 111 25 13
2017-06-30 107 15 12
2017-03-31 103 15 10
2016-12-31 98 20 13
2016-09-30 97 14 13
2016-06-30 96 29 11

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • HomeTrust Bancshares's earnings are expected to grow by 11.6% yearly, however this is not considered high growth (20% yearly).
  • HomeTrust Bancshares's revenue is expected to grow by 6.7% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NasdaqGS:HTBI Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below

All data from HomeTrust Bancshares Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:HTBI Future Estimates Data
Date (Data in USD Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-06-30 1.85 1.85 1.85 1.00
2020-06-30 1.76 1.91 1.66 3.00
2019-06-30 1.43 1.43 1.43 2.00
NasdaqGS:HTBI Past Financials Data
Date (Data in USD Millions) EPS *
2019-03-31 1.46
2018-12-31 1.61
2018-09-30 0.58
2018-06-30 0.45
2018-03-31 0.32
2017-12-31 0.00
2017-09-30 0.77
2017-06-30 0.67
2017-03-31 0.59
2016-12-31 0.77
2016-09-30 0.73
2016-06-30 0.65

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • HomeTrust Bancshares is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess HomeTrust Bancshares's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
HomeTrust Bancshares has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

HTBI Past Performance

  How has HomeTrust Bancshares performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare HomeTrust Bancshares's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • HomeTrust Bancshares's year on year earnings growth rate has been positive over the past 5 years.
  • HomeTrust Bancshares's 1-year earnings growth exceeds its 5-year average (355.7% vs 14%)
  • HomeTrust Bancshares's earnings growth has exceeded the US Banks industry average in the past year (355.7% vs 40.2%).
Earnings and Revenue History
HomeTrust Bancshares's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from HomeTrust Bancshares Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NasdaqGS:HTBI Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-03-31 122.17 26.16 72.78
2018-12-31 125.59 28.99 70.76
2018-09-30 123.22 10.40 69.42
2018-06-30 120.30 8.18 68.74
2018-03-31 117.47 5.74 68.88
2017-12-31 116.35 -0.08 69.35
2017-09-30 110.88 13.46 68.78
2017-06-30 107.30 11.72 66.62
2017-03-31 103.01 10.14 64.60
2016-12-31 97.84 12.99 62.41
2016-09-30 96.64 12.50 61.81
2016-06-30 96.00 11.30 62.60
2016-03-31 94.70 10.71 63.34
2015-12-31 94.60 8.73 64.19
2015-09-30 94.46 8.33 63.00
2015-06-30 92.14 7.90 61.06
2015-03-31 86.35 7.00 56.61
2014-12-31 79.82 8.44 50.81
2014-09-30 73.64 9.27 46.66
2014-06-30 69.89 10.34 42.54
2014-03-31 68.43 11.83 40.83
2013-12-31 66.63 11.84 40.21
2013-09-30 65.93 11.23 38.90
2013-06-30 62.42 9.05 37.76
2013-03-31 60.03 7.42 36.07
2012-12-31 56.96 6.82 34.56
2012-09-30 53.20 5.40 32.92
2012-06-30 49.04 4.53 31.51

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • HomeTrust Bancshares has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • HomeTrust Bancshares used its assets less efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if HomeTrust Bancshares improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess HomeTrust Bancshares's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
HomeTrust Bancshares has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

HTBI Health

 How is HomeTrust Bancshares's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of HomeTrust Bancshares's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from HomeTrust Bancshares Company Filings, last reported 1 month ago.

NasdaqGS:HTBI Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-03-31 407.23 681.89 133.55
2018-12-31 410.97 689.90 121.46
2018-09-30 414.20 676.91 116.01
2018-06-30 409.24 636.91 135.38
2018-03-31 401.55 626.92 162.95
2017-12-31 395.36 686.93 196.50
2017-09-30 405.50 681.73 188.32
2017-06-30 397.65 698.44 217.11
2017-03-31 390.75 627.94 216.09
2016-12-31 367.78 561.95 193.15
2016-09-30 364.40 538.45 211.58
2016-06-30 359.98 492.96 211.76
2016-03-31 358.84 508.96 206.57
2015-12-31 361.20 480.97 233.35
2015-09-30 368.15 477.97 241.92
2015-06-30 371.05 476.98 325.05
2015-03-31 381.94 251.98 497.38
2014-12-31 380.93 251.99 554.32
2014-09-30 378.05 113.99 196.46
2014-06-30 377.15 52.00 201.52
2014-03-31 358.44 4.21 241.82
2013-12-31 358.11 4.22 235.06
2013-09-30 368.07 4.24 236.66
2013-06-30 367.52 2.02 261.05
2013-03-31 372.36 2.02 262.96
2012-12-31 373.90 9.19 240.72
2012-09-30 371.54 16.25 238.91
2012-06-30 172.49 24.29 331.69
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • HomeTrust Bancshares has an acceptable proportion of non-loan assets held.
  • HomeTrust Bancshares's liabilities are made up of primarily low risk sources of funding.
  • Loans at HomeTrust Bancshares are broadly funded by customer deposits.
  • HomeTrust Bancshares's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • HomeTrust Bancshares has a sufficient allowance for bad loans.
  • HomeTrust Bancshares has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess HomeTrust Bancshares's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. HomeTrust Bancshares has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

HTBI Dividends

 What is HomeTrust Bancshares's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0.94%
Current annual income from HomeTrust Bancshares dividends.
If you bought $2,000 of HomeTrust Bancshares shares you are expected to receive $19 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • HomeTrust Bancshares's pays a lower dividend yield than the bottom 25% of dividend payers in United States of America (1.46%).
  • HomeTrust Bancshares's dividend is below the markets top 25% of dividend payers in United States of America (3.72%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NasdaqGS:HTBI Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 475 Stocks 2.9%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2003 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.7%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NasdaqGS:HTBI Future Dividends Estimate Data
Date (Data in $) Dividend per Share (annual) Avg. No. Analysts
2021-06-30
2020-06-30
2019-06-30
NasdaqGS:HTBI Past Annualized Dividends Data
Date (Data in $) Dividend per share (annual) Avg. Yield (%)
2019-04-30 0.240 0.944
2019-01-31 0.240 0.912
2018-11-01 0.240 0.917

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • It is too early to tell whether HomeTrust Bancshares has stable dividend payments.
  • HomeTrust Bancshares only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to shareholders
What portion of HomeTrust Bancshares's earnings are paid to the shareholders as a dividend.
  • Dividends paid are thoroughly covered by earnings (12.2x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess HomeTrust Bancshares's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can HomeTrust Bancshares afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. HomeTrust Bancshares has a total score of 1/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

HTBI Management

 What is the CEO of HomeTrust Bancshares's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Dana Stonestreet
COMPENSATION $2,489,312
AGE 64
TENURE AS CEO 5.8 years
CEO Bio

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 Bank since July 1, 2013. He has been Chairman of HomeTrust Bancshares, Inc. and HomeTrust Bank since November 25, 2013. He has been President of HomeTrust Bancshares, Inc. since 2012. He served as Chief Operating Officer at HomeTrust Bank until 2015. He was Chief Operating Officer at HomeTrust Bancshares, Inc. from 2012 to 2015. He was Co-Chief Executive Officer of HomeTrust Bancshares, Inc. and HomeTrust Bank from July 1, 2013 to November 25, 2013. Mr. Stonestreet joined HomeTrust Bank in 1989 as its Chief Financial Officer and was promoted to Chief Operating Officer in 2003. Mr. Stonestreet began his career with Hurdman & Cranston (an accounting firm that was later merged into KPMG) as a certified public accountant. Mr. Stonestreet serves as Director of the HUB Community Economic Development Alliance Board. In addition, Mr. Stonestreet has served as a Director and Chairman of the Asheville Area Chamber of Commerce and as a Director of United Way, RiverLink, the YMCA, the North Carolina Bankers Association and other community organizations. Mr. Stonestreet’s 29 years of service with HomeTrust Bank gives him in-depth knowledge of nearly all aspects of its operations. Mr. Stonestreet was appointed to the North Carolina Banking Commission since July 2017.

CEO Compensation
  • Dana's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Dana's remuneration is higher than average for companies of similar size in United States of America.
Management Team Tenure

Average tenure and age of the HomeTrust Bancshares management team in years:

3.5
Average Tenure
55
Average Age
  • The tenure for the HomeTrust Bancshares management team is about average.
Management Team

Dana Stonestreet

TITLE
Chairman
COMPENSATION
$2M
AGE
64
TENURE
5.8 yrs

Tony VunCannon

TITLE
Executive VP
COMPENSATION
$586K
AGE
53
TENURE
12.8 yrs

Hunter Westbrook

TITLE
Senior EVP & COO
COMPENSATION
$847K
AGE
55
TENURE
0.6 yrs

Keith Houghton

TITLE
Executive VP & Chief Credit Officer
COMPENSATION
$549K
AGE
55
TENURE
4.4 yrs

Marty Caywood

TITLE
Executive VP & Chief Information Officer
TENURE
0.1 yrs

Paula Labian

TITLE
Executive VP & Chief Human Resources Officer
TENURE
0.3 yrs

R. Little

TITLE
Executive VP & Chief Risk Officer
AGE
50
TENURE
4.2 yrs

Bob Callicutt

TITLE
Davidson County Market President of Hometrust Bank
TENURE
3 yrs

R. Shipley

TITLE
President of Tennessee Market - HomeTrust Bank
TENURE
2.3 yrs

Bonnie Zelwak

TITLE
VP & County Executive of Cleveland County & Gaston County North Carolina Markets - Hometrust Bank
TENURE
4 yrs
Board of Directors Tenure

Average tenure and age of the HomeTrust Bancshares board of directors in years:

6.8
Average Tenure
67
Average Age
  • The tenure for the HomeTrust Bancshares board of directors is about average.
Board of Directors

Stick Williams

TITLE
Vice Chairman & Lead Director
COMPENSATION
$59K
AGE
64
TENURE
1.5 yrs

Dana Stonestreet

TITLE
Chairman
COMPENSATION
$2M
AGE
64
TENURE
5.5 yrs

Sid Biesecker

TITLE
Director
COMPENSATION
$62K
AGE
67
TENURE
6.8 yrs

Craig Koontz

TITLE
Director
COMPENSATION
$103K
AGE
68
TENURE
6.8 yrs

Bob Dinsmore

TITLE
Director
COMPENSATION
$86K
AGE
73
TENURE
6.8 yrs

J. Goforth

TITLE
Director
COMPENSATION
$100K
AGE
73
TENURE
6.8 yrs

F. McFarland

TITLE
Director
COMPENSATION
$79K
AGE
61
TENURE
6.8 yrs

Laura Kendall

TITLE
Director
COMPENSATION
$48K
AGE
66
TENURE
3.1 yrs

Bob James

TITLE
Director
COMPENSATION
$44K
AGE
67
TENURE
3.1 yrs
Who owns this company?
Recent Insider Trading
  • HomeTrust Bancshares insiders have only sold shares in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
15. May 19 Sell Marty Caywood Individual 14. May 19 14. May 19 -503 $25.44 $-12,796
X
Management checks
We assess HomeTrust Bancshares's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. HomeTrust Bancshares has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

HTBI News

Simply Wall St News

What Kind Of Shareholders Own HomeTrust Bancshares, Inc. (NASDAQ:HTBI)?

Institutions often own shares in more established companies, while it's not unusual to see insiders own a fair bit of smaller companies. … Companies that have been privatized tend to have low insider ownership. … HomeTrust Bancshares is not a large company by global standards.

Simply Wall St -

Can HomeTrust Bancshares, Inc. (NASDAQ:HTBI) Survive The Next Financial Crisis?

HomeTrust Bancshares, Inc.’s (NASDAQ:HTBI) profitability and risk are largely affected by the underlying economic growth for the region it operates in US given it is a small-cap stock with a market capitalisation of US$470m. … Basel III target banking regulations to improve the sector’s ability to absorb shocks resulting from economic stress which may expose financial institutions like HomeTrust Bancshares to vulnerabilities. … High liquidity and low leverage could position HomeTrust Bancshares favourably at the face of macro headwinds.

Simply Wall St -

Is HomeTrust Bancshares, Inc.'s (NASDAQ:HTBI) CEO Being Overpaid?

First, this article will compare CEO compensation with compensation at similar sized companies. … How Does Dana Stonestreet's Compensation Compare With Similar Sized Companies. … has a market cap of US$465m, and is paying total annual CEO compensation of US$2.5m.

Simply Wall St -

Is HomeTrust Bancshares, Inc.'s (NASDAQ:HTBI) Stock Available For A Good Price After Accounting For Growth?

Let’s look into this by assessing HTBI's expected growth over the next few years. … See our latest analysis for HomeTrust Bancshares? … According to the analysts covering the company, the following few years should bring about good growth prospects for HomeTrust Bancshares

Simply Wall St -

Is HomeTrust Bancshares, Inc. (NASDAQ:HTBI) Over-Exposed To Risk?

As a small-cap bank with a market capitalisation of US$510m, HomeTrust Bancshares, Inc.’s (NASDAQ:HTBI) profit and value are directly affected by economic activity. … Risk associate with repayment is measured by the level of bad debt which is an expense written off HomeTrust Bancshares’s bottom line. … Today we will analyse HomeTrust Bancshares’s level of bad debt and liabilities in order to understand the risk involved with investing in the bank.

Simply Wall St -

Here's What HomeTrust Bancshares, Inc.'s (NASDAQ:HTBI) P/E Is Telling Us

This article is for investors who would like to improve their understanding of price to earnings ratios (P/E ratios). … Based on the last twelve months, HomeTrust Bancshares's P/E ratio is 46.04. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

Simply Wall St -

Is HomeTrust Bancshares, Inc.'s (NASDAQ:HTBI) CEO Being Overpaid?

This analysis aims first to contrast CEO compensation with other companies that have similar market capitalization. … How Does Dana Stonestreet's Compensation Compare With Similar Sized Companies. … is worth US$464m, and total annual CEO compensation is US$2.5m.

Simply Wall St -

Is HomeTrust Bancshares Inc (NASDAQ:HTBI) Over-Exposed To Risk?

As a small-cap bank with a market capitalisation of US$504m, HomeTrust Bancshares Inc’s (NASDAQ:HTBI) profit and value are directly affected by economic growth. … Risk associated with repayment is measured by bad debt which is written off as an expense, impacting HomeTrust Bancshares’s bottom line. … See our latest analysis for HomeTrust Bancshares

Simply Wall St -

Financial Metrics For HomeTrust Bancshares Inc (NASDAQ:HTBI)

As a small-cap finance stock with a market capitalisation of US$547m, the risk and profitability of HomeTrust Bancshares Inc (NASDAQ:HTBI) are largely tied to the underlying economic growth of the region it operates in US. … After the GFC, a set of reforms called Basel III was imposed in order to strengthen regulation, supervision and risk management in the banking sector. … Low levels of leverage coupled with sufficient liquidity may place HomeTrust Bancshares in a safe position in the face of adverse headwinds.

Simply Wall St -

Is HomeTrust Bancshares Inc's (NASDAQ:HTBI) CEO Pay Fair?

Understanding how CEOs are incentivised to run and grow their company is an important aspect of investing in a stock. … Incentives can be in the form of compensation, which should always be structured in a way that promotes value-creation to shareholders. … CEOs leading companies of similar size and profitability

Simply Wall St -

HTBI Company Info

Description

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 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 lending, construction and development lending, and commercial and industrial loans. It also provides small business administration loans, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services, as well as ground and equipment lease financing to fire departments. As of June 30, 2018, the company operated 43 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

Details
Name: HomeTrust Bancshares, Inc.
HTBI
Exchange: NasdaqGS
Founded: 1926
$461,355,556
18,113,685
Website: http://www.htb.com
Address: HomeTrust Bancshares, Inc.
10 Woodfin Street,
Asheville,
North Carolina, 28801,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NasdaqGS HTBI Common Stock Nasdaq Global Select US USD 11. Jul 2012
Number of employees
Current staff
Staff numbers
493
HomeTrust Bancshares employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/22 06:33
End of day share price update: 2019/05/21 00:00
Last estimates confirmation: 2019/05/08
Last earnings filing: 2019/05/09
Last earnings reported: 2019/03/31
Last annual earnings reported: 2018/06/30


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.