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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.49
HTBI's Cash to Debt is ranked lower than
70% of the 1161 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.56 vs. HTBI: 0.49 )
Ranked among companies with meaningful Cash to Debt only.
HTBI' s Cash to Debt Range Over the Past 10 Years
Min: 0.49  Med: 7.25 Max: N/A
Current: 0.49
Equity to Asset 0.13
HTBI's Equity to Asset is ranked higher than
71% of the 1653 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: 0.15 Max: 0.24
Current: 0.13
0.1
0.24
Interest Coverage 2.14
HTBI's Interest Coverage is ranked higher than
57% of the 1537 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.64 vs. HTBI: 2.14 )
Ranked among companies with meaningful Interest Coverage only.
HTBI' s Interest Coverage Range Over the Past 10 Years
Min: 0.33  Med: 1.74 Max: 2.73
Current: 2.14
0.33
2.73
F-Score: 3
M-Score: -2.69
WACC vs ROIC
2.01%
2.25%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 12.64
HTBI's Operating margin (%) is ranked lower than
85% of the 1671 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.24 vs. HTBI: 12.64 )
Ranked among companies with meaningful Operating margin (%) only.
HTBI' s Operating margin (%) Range Over the Past 10 Years
Min: -40.96  Med: 8.67 Max: 23.36
Current: 12.64
-40.96
23.36
Net-margin (%) 9.19
HTBI's Net-margin (%) is ranked lower than
86% of the 1674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.66 vs. HTBI: 9.19 )
Ranked among companies with meaningful Net-margin (%) only.
HTBI' s Net-margin (%) Range Over the Past 10 Years
Min: -21.56  Med: 9.38 Max: 16.26
Current: 9.19
-21.56
16.26
ROE (%) 2.34
HTBI's ROE (%) is ranked lower than
87% of the 1669 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.48 vs. HTBI: 2.34 )
Ranked among companies with meaningful ROE (%) only.
HTBI' s ROE (%) Range Over the Past 10 Years
Min: -8.6  Med: 2.66 Max: 3.35
Current: 2.34
-8.6
3.35
ROA (%) 0.32
HTBI's ROA (%) is ranked lower than
82% of the 1679 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. HTBI: 0.32 )
Ranked among companies with meaningful ROA (%) only.
HTBI' s ROA (%) Range Over the Past 10 Years
Min: -0.9  Med: 0.33 Max: 0.57
Current: 0.32
-0.9
0.57
» HTBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q1 2015

HTBI Guru Trades in Q1 2015

John Keeley 18,100 sh (unchged)
Michael Price 259,622 sh (unchged)
Jim Simons 288,390 sh (-3.62%)
» More
Q2 2015

HTBI Guru Trades in Q2 2015

Jim Simons 468,405 sh (+62.42%)
Michael Price 259,622 sh (unchged)
John Keeley Sold Out
» More
Q3 2015

HTBI Guru Trades in Q3 2015

Jim Simons 590,215 sh (+26.01%)
Michael Price 259,622 sh (unchged)
» More
Q4 2015

HTBI Guru Trades in Q4 2015

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

vs
industry
vs
history
P/E(ttm) 38.99
HTBI's P/E(ttm) is ranked lower than
92% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.61 vs. HTBI: 38.99 )
Ranked among companies with meaningful P/E(ttm) only.
HTBI' s P/E(ttm) Range Over the Past 10 Years
Min: 24.55  Med: 37.60 Max: 227.33
Current: 38.99
24.55
227.33
PE(NRI) 38.99
HTBI's PE(NRI) is ranked lower than
92% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.57 vs. HTBI: 38.99 )
Ranked among companies with meaningful PE(NRI) only.
HTBI' s PE(NRI) Range Over the Past 10 Years
Min: 24.75  Med: 37.53 Max: 227.33
Current: 38.99
24.75
227.33
Price/Owner Earnings (ttm) 45.61
HTBI's Price/Owner Earnings (ttm) is ranked lower than
94% of the 878 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.23 vs. HTBI: 45.61 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
HTBI' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 21.13  Med: 48.03 Max: 263.61
Current: 45.61
21.13
263.61
P/B 0.99
HTBI's P/B is ranked higher than
55% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. HTBI: 0.99 )
Ranked among companies with meaningful P/B only.
HTBI' s P/B Range Over the Past 10 Years
Min: 0.72  Med: 0.87 Max: 1.04
Current: 0.99
0.72
1.04
P/S 3.65
HTBI's P/S is ranked lower than
65% of the 1630 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.93 vs. HTBI: 3.65 )
Ranked among companies with meaningful P/S only.
HTBI' s P/S Range Over the Past 10 Years
Min: 3.31  Med: 4.61 Max: 8.65
Current: 3.65
3.31
8.65
PFCF 52.39
HTBI's PFCF is ranked lower than
94% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. HTBI: 52.39 )
Ranked among companies with meaningful PFCF only.
HTBI' s PFCF Range Over the Past 10 Years
Min: 8.78  Med: 17.36 Max: 56.72
Current: 52.39
8.78
56.72
POCF 43.16
HTBI's POCF is ranked lower than
95% of the 970 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.10 vs. HTBI: 43.16 )
Ranked among companies with meaningful POCF only.
HTBI' s POCF Range Over the Past 10 Years
Min: 8.32  Med: 16.03 Max: 134.06
Current: 43.16
8.32
134.06
EV-to-EBIT 49.06
HTBI's EV-to-EBIT is ranked lower than
92% of the 1501 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.32 vs. HTBI: 49.06 )
Ranked among companies with meaningful EV-to-EBIT only.
HTBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.7  Med: 8.50 Max: 51.6
Current: 49.06
-0.7
51.6
EV-to-EBITDA 40.53
HTBI's EV-to-EBITDA is ranked lower than
92% of the 1503 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.32 vs. HTBI: 40.53 )
Ranked among companies with meaningful EV-to-EBITDA only.
HTBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.5  Med: 7.90 Max: 43.5
Current: 40.53
-0.5
43.5

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.02
HTBI's Price/Tangible Book is ranked higher than
55% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.11 vs. HTBI: 1.02 )
Ranked among companies with meaningful Price/Tangible Book only.
HTBI' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.75  Med: 0.91 Max: 1.11
Current: 1.02
0.75
1.11
Price/Median PS Value 0.79
HTBI's Price/Median PS Value is ranked higher than
79% of the 1530 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.02 vs. HTBI: 0.79 )
Ranked among companies with meaningful Price/Median PS Value only.
HTBI' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.76  Med: 1.03 Max: 1.82
Current: 0.79
0.76
1.82
Price/Graham Number 1.32
HTBI's Price/Graham Number is ranked lower than
85% of the 1455 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. HTBI: 1.32 )
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: 1.32
1
2.72
Earnings Yield (Greenblatt) (%) 2.03
HTBI's Earnings Yield (Greenblatt) (%) is ranked lower than
84% of the 1641 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HTBI: 2.03 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
HTBI' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.9  Med: 11.60 Max: 4107.8
Current: 2.03
1.9
4107.8

More Statistics

Revenue(Mil) $95
EPS $ 0.48
Beta0.07
Short Percentage of Float2.84%
52-Week Range $15.35 - 20.98
Shares Outstanding(Mil)18.36

Analyst Estimate

Jun16
Revenue(Mil)
EPS($) 0.88
EPS without NRI($) 0.88

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:MBWM, NAS:BHBK, NAS:UVSP, NAS:CUNB, NAS:GBNK, NAS:TSC » details
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.
» More Articles for HTBI

Headlines

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

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