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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.40
HTBI's Cash to Debt is ranked lower than
78% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. HTBI: 0.40 )
Ranked among companies with meaningful Cash to Debt only.
HTBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.4  Med: 3.12 Max: N/A
Current: 0.4
Equity to Asset 0.13
HTBI's Equity to Asset is ranked higher than
71% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HTBI: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
HTBI' s Equity to Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.14 Max: 0.24
Current: 0.13
0.1
0.24
Interest Coverage 2.96
HTBI's Interest Coverage is ranked higher than
66% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HTBI: 2.96 )
Ranked among companies with meaningful Interest Coverage only.
HTBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.33  Med: 1.96 Max: 2.96
Current: 2.96
0.33
2.96
F-Score: 5
M-Score: -2.62
WACC vs ROIC
2.39%
1.99%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 19.17
HTBI's Operating margin (%) is ranked lower than
75% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. HTBI: 19.17 )
Ranked among companies with meaningful Operating margin (%) only.
HTBI' s Operating margin (%) Range Over the Past 10 Years
Min: -40.96  Med: 11.47 Max: 23.36
Current: 19.17
-40.96
23.36
Net-margin (%) 13.18
HTBI's Net-margin (%) is ranked lower than
77% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. HTBI: 13.18 )
Ranked among companies with meaningful Net-margin (%) only.
HTBI' s Net-margin (%) Range Over the Past 10 Years
Min: -21.56  Med: 10.05 Max: 16.26
Current: 13.18
-21.56
16.26
ROE (%) 3.51
HTBI's ROE (%) is ranked lower than
81% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. HTBI: 3.51 )
Ranked among companies with meaningful ROE (%) only.
HTBI' s ROE (%) Range Over the Past 10 Years
Min: -8.6  Med: 2.78 Max: 4.03
Current: 3.51
-8.6
4.03
ROA (%) 0.46
HTBI's ROA (%) is ranked lower than
74% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. HTBI: 0.46 )
Ranked among companies with meaningful ROA (%) only.
HTBI' s ROA (%) Range Over the Past 10 Years
Min: -0.9  Med: 0.42 Max: 0.57
Current: 0.46
-0.9
0.57
Revenue Growth (3Y)(%) 19.30
HTBI's Revenue Growth (3Y)(%) is ranked higher than
90% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. HTBI: 19.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
HTBI' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 19.3
Current: 19.3
0
19.3
EBITDA Growth (3Y)(%) 18.60
HTBI's EBITDA Growth (3Y)(%) is ranked higher than
79% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. HTBI: 18.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
HTBI' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 18.6
Current: 18.6
0
18.6
EPS Growth (3Y)(%) 13.00
HTBI's EPS Growth (3Y)(%) is ranked higher than
67% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. HTBI: 13.00 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
HTBI' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: 0  Med: 0 Max: 13
Current: 13
0
13
» HTBI's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

HTBI Guru Trades in Q4 2015

Michael Price 259,622 sh (unchged)
Jim Simons 538,215 sh (-8.81%)
» More
Q1 2016

HTBI Guru Trades in Q1 2016

Jim Simons 527,815 sh (-1.93%)
Michael Price 123,500 sh (-52.43%)
» More
Q2 2016

HTBI Guru Trades in Q2 2016

Jim Simons 512,615 sh (-2.88%)
Michael Price 70,000 sh (-43.32%)
» More
Q3 2016

HTBI Guru Trades in Q3 2016

Michael Price 70,000 sh (unchged)
Jim Simons 503,215 sh (-1.83%)
» More
» Details

Insider Trades

Latest Guru Trades with HTBI

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:OTCPK:SBFC, NAS:OKSB, NAS:PCBK, NAS:TBBK, NAS:FISI, NAS:PGC, NAS:ACBI, NAS:PUB, NAS:BMRC, OTCPK:HBIA, NAS:SNBC, NAS:ABTX, NAS:TBK, NAS:IBCP, NAS:FMBH, NAS:HTBK, NAS:GNBC, NAS:BHBK, NYSE:FSB, NAS:FCBC » details
HomeTrust Bancshares Inc is a bank holding company. It is engaged in attracting deposits from public & investing funds, along with borrowed funds, in loans secured by first & second mortgages on one-to four-family residences.

HomeTrust Bancshares Inc was incorporated under the laws of the State of Maryland on December 27, 2011. It is a federally chartered mutual savings bank. The Company's banking subsidiary is a federally chartered mutual savings bank HomeTrust Bank. The Company's principal business consists of attracting deposits from the general public and investing those funds, along with borrowed funds in loans secured by first and second mortgages on one- to four-family residences, including home equity loans and construction and land/lot loans, commercial real estate loans, construction and development loans, and municipal leases. Municipal leases are secured by a ground lease for a firehouse or an equipment lease for fire trucks and firefighting equipment to fire departments located throughout North and South Carolina. It also purchases investment securities consisting of mortgage-backed securities issued by United States Government agencies and government-sponsored enterprises. It offers a variety of deposit accounts for individuals, businesses and nonprofit organizations. Deposits are its primary source of funds for its lending and investing activities. It has adopted a plan of conversion, to increase its capital to grow its loan portfolio organically and through acquisitions and to continue to build its franchise. It currently has 20 banking offices serving nine counties in Western North Carolina and the "Piedmont" region of North Carolina. The Company's mission is to continue serving individuals, businesses and community organizations in its primary markets in the Western and Piedmont regions of North Carolina through exceptional service.

Ratios

vs
industry
vs
history
P/E(ttm) 32.77
HTBI's P/E(ttm) is ranked lower than
91% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. HTBI: 32.77 )
Ranked among companies with meaningful P/E(ttm) only.
HTBI' s P/E(ttm) Range Over the Past 10 Years
Min: 24.75  Med: 35.87 Max: 227.33
Current: 32.77
24.75
227.33
Forward P/E 21.88
HTBI's Forward P/E is ranked lower than
93% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. HTBI: 21.88 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 32.77
HTBI's PE(NRI) is ranked lower than
91% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. HTBI: 32.77 )
Ranked among companies with meaningful PE(NRI) only.
HTBI' s PE(NRI) Range Over the Past 10 Years
Min: 24.75  Med: 35.87 Max: 227.33
Current: 32.77
24.75
227.33
Price/Owner Earnings (ttm) 26.18
HTBI's Price/Owner Earnings (ttm) is ranked lower than
83% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. HTBI: 26.18 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HTBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 13.43  Med: 27.37 Max: 377.55
Current: 26.18
13.43
377.55
P/B 1.17
HTBI's P/B is ranked lower than
53% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. HTBI: 1.17 )
Ranked among companies with meaningful P/B only.
HTBI' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 0.89 Max: 1.19
Current: 1.17
0.72
1.19
P/S 4.37
HTBI's P/S is ranked lower than
69% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. HTBI: 4.37 )
Ranked among companies with meaningful P/S only.
HTBI' s P/S Range Over the Past 10 Years
Min: 3.29  Med: 4.16 Max: 8.01
Current: 4.37
3.29
8.01
PFCF 31.74
HTBI's PFCF is ranked lower than
89% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. HTBI: 31.74 )
Ranked among companies with meaningful PFCF only.
HTBI' s PFCF Range Over the Past 10 Years
Min: 8.78  Med: 17.07 Max: 63.28
Current: 31.74
8.78
63.28
POCF 29.59
HTBI's POCF is ranked lower than
90% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. HTBI: 29.59 )
Ranked among companies with meaningful POCF only.
HTBI' s POCF Range Over the Past 10 Years
Min: 8.32  Med: 17.05 Max: 183.17
Current: 29.59
8.32
183.17
EV-to-EBIT 40.95
HTBI's EV-to-EBIT is ranked lower than
91% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. HTBI: 40.95 )
Ranked among companies with meaningful EV-to-EBIT only.
HTBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.7  Med: 16.35 Max: 51.6
Current: 40.95
-0.7
51.6
EV-to-EBITDA 34.84
HTBI's EV-to-EBITDA is ranked lower than
91% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. HTBI: 34.84 )
Ranked among companies with meaningful EV-to-EBITDA only.
HTBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.5  Med: 14.1 Max: 48.6
Current: 34.84
-0.5
48.6

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 4.70
HTBI's 3-Year Average Share Buyback Ratio is ranked higher than
96% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. HTBI: 4.70 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
HTBI' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: 4.7  Med: 0 Max: 0
Current: 4.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.27
HTBI's Price/Tangible Book is ranked lower than
53% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. HTBI: 1.27 )
Ranked among companies with meaningful Price/Tangible Book only.
HTBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.75  Med: 0.92 Max: 1.27
Current: 1.27
0.75
1.27
Price/Projected FCF 0.90
HTBI's Price/Projected FCF is ranked lower than
61% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. HTBI: 0.90 )
Ranked among companies with meaningful Price/Projected FCF only.
HTBI' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.64  Med: 0.68 Max: 0.9
Current: 0.9
0.64
0.9
Price/Median PS Value 1.06
HTBI's Price/Median PS Value is ranked higher than
58% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HTBI: 1.06 )
Ranked among companies with meaningful Price/Median PS Value only.
HTBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.81  Med: 1 Max: 1.88
Current: 1.06
0.81
1.88
Price/Graham Number 1.37
HTBI's Price/Graham Number is ranked lower than
77% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. HTBI: 1.37 )
Ranked among companies with meaningful Price/Graham Number only.
HTBI' s Price/Graham Number Range Over the Past 10 Years
Min: 1  Med: 1.27 Max: 2.72
Current: 1.37
1
2.72
Earnings Yield (Greenblatt) (%) 2.45
HTBI's Earnings Yield (Greenblatt) (%) is ranked lower than
69% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. HTBI: 2.45 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HTBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 5.9 Max: 4107.8
Current: 2.45
1.9
4107.8

More Statistics

Revenue (TTM) (Mil) $96.48
EPS (TTM) $ 0.73
Beta0.23
Short Percentage of Float1.68%
52-Week Range $16.97 - 24.60
Shares Outstanding (Mil)18.00

Analyst Estimate

Jun17
Revenue (Mil $)
EPS ($) 1.11
EPS w/o NRI ($) 1.11
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for NAS:HTBI

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: HTBI, HRB, FLL, TINY, MMLP Jul 16 2012 

More From Other Websites
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Nov 28 2016
HomeTrust Bancshares, Inc. and TriSummit Bancorp, Inc. Receive Regulatory Approvals Nov 28 2016
HOMETRUST BANCSHARES, INC. Financials Nov 17 2016
HOMETRUST BANCSHARES, INC. Files SEC form 10-Q, Quarterly Report Nov 09 2016
HomeTrust Bancshares, Inc. breached its 50 day moving average in a Bullish Manner : HTBI-US :... Nov 04 2016
ETF’s with exposure to HomeTrust Bancshares, Inc. : November 2, 2016 Nov 02 2016
HomeTrust Bancshares, Inc. :HTBI-US: Earnings Analysis: Q1, 2017 By the Numbers : October 31, 2016 Oct 31 2016
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition,... Oct 28 2016
HomeTrust Bancshares posts 1Q profit Oct 26 2016
HomeTrust Bancshares posts 1Q profit Oct 26 2016
HomeTrust Bancshares, Inc. Reports Financial Results For The First Fiscal Quarter Of 2017 Oct 26 2016
HomeTrust Bancshares, Inc. Reports Financial Results For The First Fiscal Quarter Of 2017 Oct 26 2016
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement Sep 21 2016
HomeTrust Bancshares, Inc. and TriSummit Bancorp, Inc. Announce Highly Accretive In-Market... Sep 21 2016
HomeTrust Bancshares, Inc. and TriSummit Bancorp, Inc. Announce Highly Accretive In-Market... Sep 21 2016
HomeTrust Bancshares, Inc. breached its 50 day moving average in a Bearish Manner : HTBI-US :... Sep 19 2016
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Sep 15 2016
HOMETRUST BANCSHARES, INC. Files SEC form 10-K, Annual Report Sep 13 2016
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Change in Directors or Principal Officers Aug 25 2016
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Change in Directors or Principal Officers Aug 24 2016

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