Switch to:

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 1.83
HTBI's Cash to Debt is ranked higher than
79% of the 1570 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.48 vs. HTBI: 1.83 )
HTBI' s 10-Year Cash to Debt Range
Min: 0.53   Max: No Debt
Current: 1.83

Equity to Asset 0.17
HTBI's Equity to Asset is ranked higher than
95% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HTBI: 0.17 )
HTBI' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.24
Current: 0.17

0.1
0.24
Interest Coverage 2.73
HTBI's Interest Coverage is ranked higher than
81% of the 1845 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. HTBI: 2.73 )
HTBI' s 10-Year Interest Coverage Range
Min: 0.33   Max: 2.73
Current: 2.73

0.33
2.73
F-Score: 5
Z-Score: 0.27
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 (%) 17.27
HTBI's Operating margin (%) is ranked higher than
59% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.47 vs. HTBI: 17.27 )
HTBI' s 10-Year Operating margin (%) Range
Min: -40.96   Max: 23.36
Current: 17.27

-40.96
23.36
Net-margin (%) 13.36
HTBI's Net-margin (%) is ranked higher than
60% of the 2032 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.42 vs. HTBI: 13.36 )
HTBI' s 10-Year Net-margin (%) Range
Min: -21.56   Max: 16.26
Current: 13.36

-21.56
16.26
ROE (%) 2.52
HTBI's ROE (%) is ranked higher than
54% of the 2042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.60 vs. HTBI: 2.52 )
HTBI' s 10-Year ROE (%) Range
Min: -8.6   Max: 3.35
Current: 2.52

-8.6
3.35
ROA (%) 0.50
HTBI's ROA (%) is ranked higher than
63% of the 2045 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HTBI: 0.50 )
HTBI' s 10-Year ROA (%) Range
Min: -0.9   Max: 0.57
Current: 0.5

-0.9
0.57
ROC (Joel Greenblatt) (%) 35.03
HTBI's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 2013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.18 vs. HTBI: 35.03 )
HTBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -249.93   Max: 48.47
Current: 35.03

-249.93
48.47
» HTBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

HTBI Guru Trades in Q4 2013

Jim Simons 49,400 sh (New)
John Keeley 1,083,295 sh (-0.05%)
Michael Price 300,000 sh (-34.13%)
» More
Q1 2014

HTBI Guru Trades in Q1 2014

Jim Simons 102,979 sh (+108.46%)
John Keeley 1,083,295 sh (unchged)
Michael Price 300,000 sh (unchged)
» More
Q2 2014

HTBI Guru Trades in Q2 2014

Jim Simons 339,003 sh (+229.2%)
Michael Price 259,622 sh (-13.46%)
John Keeley 26,100 sh (-97.59%)
» More
Q3 2014

HTBI Guru Trades in Q3 2014

Michael Price 259,622 sh (unchged)
Jim Simons 321,015 sh (-5.31%)
John Keeley 18,100 sh (-30.65%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2014-09-30 Reduce -30.65%$14.62 - $15.79 $ 16.156%18100
John Keeley 2014-06-30 Reduce -97.59%0.28%$14.87 - $16 $ 16.154%26100
Michael Price 2013-12-31 Reduce -34.13%0.34%$15.89 - $16.55 $ 16.150%300000
Michael Price 2013-09-30 Reduce -17.26%0.22%$16 - $17 $ 16.15-2%455470
John Keeley 2012-12-31 Add 41.52%0.1%$12.69 - $13.65 $ 16.1522%1094005
Michael Price 2012-09-30 New Buy1.1%$11.92 - $13.25 $ 16.1529%550470
John Keeley 2012-09-30 New Buy0.23%$11.92 - $13.25 $ 16.1529%773025
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 32.70
HTBI's P/E(ttm) is ranked higher than
67% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.00 vs. HTBI: 32.70 )
HTBI' s 10-Year P/E(ttm) Range
Min: 24.55   Max: 227.33
Current: 32.7

24.55
227.33
P/B 0.90
HTBI's P/B is ranked higher than
87% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.33 vs. HTBI: 0.90 )
HTBI' s 10-Year P/B Range
Min: 0.72   Max: 0.96
Current: 0.9

0.72
0.96
P/S 4.40
HTBI's P/S is ranked higher than
68% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.59 vs. HTBI: 4.40 )
HTBI' s 10-Year P/S Range
Min: 3.96   Max: 8.63
Current: 4.4

3.96
8.63
PFCF 27.30
HTBI's PFCF is ranked higher than
75% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. HTBI: 27.30 )
HTBI' s 10-Year PFCF Range
Min: 8.74   Max: 30.76
Current: 27.3

8.74
30.76
EV-to-EBIT 19.78
HTBI's EV-to-EBIT is ranked higher than
71% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.57 vs. HTBI: 19.78 )
HTBI' s 10-Year EV-to-EBIT Range
Min: 2.2   Max: 36.9
Current: 19.78

2.2
36.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.92
HTBI's Price/Tangible Book is ranked higher than
88% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. HTBI: 0.92 )
HTBI' s 10-Year Price/Tangible Book Range
Min: 0.75   Max: 0.96
Current: 0.92

0.75
0.96
Price/Median PS Value 0.87
HTBI's Price/Median PS Value is ranked higher than
92% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.22 vs. HTBI: 0.87 )
HTBI' s 10-Year Price/Median PS Value Range
Min: 0.79   Max: 1.68
Current: 0.87

0.79
1.68
Price/Graham Number 1.20
HTBI's Price/Graham Number is ranked higher than
72% of the 2646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.18 vs. HTBI: 1.20 )
HTBI' s 10-Year Price/Graham Number Range
Min: 1   Max: 1.32
Current: 1.2

1
1.32
Earnings Yield (Greenblatt) 5.10
HTBI's Earnings Yield (Greenblatt) is ranked higher than
68% of the 2006 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. HTBI: 5.10 )
HTBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 44.7
Current: 5.1

2.7
44.7

Analyst Estimate


Warning: Invalid argument supplied for foreach() in /home/gurufocu/public_html/modules/stock/estimate.php on line 31
Jun15 Jun16
Revenue(Mil)
EPS($) 0.63 0.91
EPS without NRI($) 0.63 0.91

Business Description

Industry: Banks » Banks - Regional - US
Compare: » details
HomeTrust Bancshares, Inc. is incorporated under the laws of the State of Maryland. 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 primarily 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 primarily 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 primarily 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, primarily 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
comment on HTBI Dec 04 2012 
comment on HTBI Dec 04 2012 
Weekly CFO Buys Highlight: HTBI, HRB, FLL, TINY, MMLP Jul 16 2012 

More From Other Websites
HomeTrust Branch Sales & Service Manager Receives Volunteer of the Year Award Dec 19 2014
HomeTrust Bankers Spread Holiday Cheer Dec 16 2014
HomeTrust Bank Hires Jeff Mylton as Market President for Charlotte Dec 16 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Other Events Dec 15 2014
Photo Release -- HomeTrust Bank Hires Jeff Mylton as Market President for Charlotte Dec 15 2014
First Bancorp (FBP) Jumps: Stock Adds 6.4% in Session Dec 09 2014
HomeTrust Bancshares Announces Retirement of F. Edward Broadwell, Jr. from Board Dec 01 2014
Hometrust Bancshares (HTBI) Upgraded From Hold to Buy Nov 28 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Submission of Matters to a Vote of Security Holders Nov 25 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Other Events Nov 24 2014
HomeTrust Bancshares Announces Retirement of F. Edward Broadwell, Jr. From Board of Directors Nov 24 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Other Events Nov 19 2014
HomeTrust Bancshares Announces Completion of Previous Stock Repurchase Program, Authorization of New... Nov 19 2014
HOMETRUST BANCSHARES, INC. Financials Nov 18 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Other Events Nov 17 2014
HomeTrust Bank Completes Acquisition of Bank of America Branches Nov 17 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Other Events Nov 12 2014
HomeTrust Bank, N.A. to Open Commercial Loan Production Office in Raleigh, N.C. Nov 12 2014
HOMETRUST BANCSHARES, INC. Files SEC form 10-Q, Quarterly Report Nov 10 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition Oct 29 2014

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
Free 7-day Trial
FEEDBACK