HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products.
Flawless balance sheet and slightly overvalued.
Share Price & News
How has HomeTrust Bancshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: HTBI's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: HTBI underperformed the US Banks industry which returned -27.8% over the past year.
Return vs Market: HTBI underperformed the US Market which returned -10.7% over the past year.
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
2 weeks ago | Simply Wall StWhat Is HomeTrust Bancshares's (NASDAQ:HTBI) P/E Ratio After Its Share Price Tanked?
3 weeks ago | Simply Wall StDoes HomeTrust Bancshares, Inc.'s (NASDAQ:HTBI) CEO Salary Reflect Performance?
1 month ago | Simply Wall StCan You Imagine How HomeTrust Bancshares's (NASDAQ:HTBI) Shareholders Feel About The 69% Share Price Increase?
Is HomeTrust Bancshares undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: HTBI ($15.93) is trading above our estimate of fair value ($4.85)
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 (9.4x) compared to the Banks industry average (8.9x).
PE vs Market: HTBI is good value based on its PE Ratio (9.4x) compared to the US market (13.1x).
Price to Earnings Growth Ratio
PEG Ratio: HTBI's earnings are forecast to decline next year, so we can't calculate its PEG ratio.
Price to Book Ratio
PB vs Industry: HTBI is good value based on its PB Ratio (0.7x) compared to the US Banks industry average (0.8x).
How is HomeTrust Bancshares forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HTBI's earnings are forecast to decline over the next 3 years (-2.1% per year).
Earnings vs Market: HTBI's earnings are forecast to decline over the next 3 years (-2.1% per year).
High Growth Earnings: HTBI's earnings are forecast to decline over the next 3 years.
Revenue vs Market: HTBI's revenue (4.5% per year) is forecast to grow slower than the US market (7.2% per year).
High Growth Revenue: HTBI's revenue (4.5% 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 (6.6%).
How has HomeTrust Bancshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HTBI has high quality earnings.
Growing Profit Margin: HTBI's current net profit margins (22.3%) are lower than last year (23.1%).
Past Earnings Growth Analysis
Earnings Trend: HTBI's earnings have grown significantly by 28% per year over the past 5 years.
Accelerating Growth: HTBI's earnings growth over the past year (0.3%) is below its 5-year average (28% per year).
Earnings vs Industry: HTBI earnings growth over the past year (0.3%) underperformed the Banks industry 10.9%.
Return on Equity
High ROE: HTBI's Return on Equity (7%) is considered low.
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
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 0.6x 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 (0.61%)
What is HomeTrust Bancshares's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: HTBI's dividend (1.76%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.95%).
High Dividend: HTBI's dividend (1.76%) is low compared to the top 25% of dividend payers in the US market (5.37%).
Stability and Growth of Payments
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 (14.8%), HTBI's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: HTBI's dividends in 3 years are forecast to be well covered by earnings (19.4% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dana Stonestreet (65yo)
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 about average for companies of similar size in the US market ($USD1.48M).
Compensation vs Earnings: Dana's compensation has been consistent with company performance over the past year.
|Executive VP||13.75yrs||US$399.76k||0.38% $961.8k|
|Senior EVP & COO||1.5yrs||US$586.15k||0.32% $808.4k|
|Executive VP & Chief Information Officer||1yr||US$415.17k||0.16% $394.6k|
|Executive VP & Chief Credit Officer||5.33yrs||US$364.15k||0.058% $146.1k|
|Executive VP & Chief Human Resources Officer||1.25yrs||no data||0.045% $112.8k|
|Executive VP & Chief Risk Officer||5.08yrs||no data||0.051% $129.7k|
|Davidson County Market President of Hometrust Bank||3.92yrs||no data||no data|
|President of Tennessee Market - HomeTrust Bank||3.25yrs||no data||no data|
|VP & County Executive of Cleveland County & Gaston County North Carolina Markets - Hometrust Bank||4.92yrs||no data||no data|
Experienced Management: HTBI's management team is considered experienced (4.4 years average tenure).
|Independent Director||4yrs||US$46.88k||0.053% $133.7k|
|Independent Director||4yrs||US$45.88k||0.058% $147.2k|
|Vice Chairman & Lead Director||2.42yrs||US$72.74k||0.058% $147.2k|
|Independent Director||0.58yr||US$14.60k||0.012% $30.7k|
|Independent Director||8.25yrs||US$66.51k||0.19% $479.3k|
|Independent Director||18.25yrs||US$105.55k||0.15% $384.6k|
|Independent Director||7.75yrs||US$112.89k||0.19% $469.3k|
|Independent Director||17.25yrs||US$80.78k||0.17% $425.3k|
Experienced Board: HTBI's board of directors are considered experienced (6.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: HTBI insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
HomeTrust Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: HomeTrust Bancshares, Inc.
- Ticker: HTBI
- Exchange: NasdaqGS
- Founded: 1926
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$253.494m
- Shares outstanding: 17.41m
- Website: https://www.htb.com
Number of Employees
- HomeTrust Bancshares, Inc.
- 10 Woodfin Street
- North Carolina
- United States
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|HTBI||NasdaqGS (Nasdaq Global Select)||Yes||Common Stock||US||USD||Jul 2012|
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, equipment finance leases, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services. As of June 30, 2019, 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.
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/04/03 04:11|
|End of Day Share Price||2020/04/02 00:00|
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.