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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 0.35
HTBI's Cash-to-Debt is ranked lower than
79% of the 1495 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.97 vs. HTBI: 0.35 )
Ranked among companies with meaningful Cash-to-Debt only.
HTBI' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.35  Med: 2.21 Max: N/A
Current: 0.35
Equity-to-Asset 0.13
HTBI's Equity-to-Asset is ranked higher than
71% of the 1496 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 2.94
HTBI's Interest Coverage is ranked higher than
67% of the 1758 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.61 vs. HTBI: 2.94 )
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: 2.94
Current: 2.94
0.33
2.94
Piotroski F-Score: 5
Beneish M-Score: -2.55
WACC vs ROIC
3.35%
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 % 19.55
HTBI's Operating Margin % is ranked lower than
75% of the 1511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.68 vs. HTBI: 19.55 )
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: 19.55
-40.96
23.36
Net Margin % 13.59
HTBI's Net Margin % is ranked lower than
76% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.91 vs. HTBI: 13.59 )
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: 13.59
-21.56
16.26
ROE % 3.66
HTBI's ROE % is ranked lower than
80% of the 1509 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.30 vs. HTBI: 3.66 )
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: 3.66
-8.6
4.03
ROA % 0.48
HTBI's ROA % is ranked lower than
73% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. HTBI: 0.48 )
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: 0.48
-0.9
0.57
3-Year Revenue Growth Rate 19.30
HTBI's 3-Year Revenue Growth Rate is ranked higher than
91% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.90 vs. HTBI: 19.30 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
HTBI' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 7.8 Max: 19.3
Current: 19.3
0
19.3
3-Year EBITDA Growth Rate 18.40
HTBI's 3-Year EBITDA Growth Rate is ranked higher than
78% of the 1228 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.20 vs. HTBI: 18.40 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
HTBI' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: 9.2 Max: 30.9
Current: 18.4
0
30.9
3-Year EPS without NRI Growth Rate 13.00
HTBI's 3-Year EPS without NRI Growth Rate is ranked higher than
66% of the 1184 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. HTBI: 13.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
HTBI' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 13
Current: 13
0
13
GuruFocus has detected 4 Warning Signs with HomeTrust Bancshares Inc $HTBI.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» HTBI's 10-Y Financials

Financials (Next Earnings Date: 2017-04-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

HTBI Guru Trades in Q4 2016

Jim Simons 529,915 sh (+5.31%)
Michael Price Sold Out
» 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    NAICS: 522120    SIC: 6035
Compare:NAS:NCBS, NAS:FMBH, NAS:BMRC, NAS:CARO, NAS:MOFG, NAS:FCBC, NAS:EQBK, NAS:FBNK, NAS:IBCP, NAS:HMPR, NAS:VBTX, OTCPK:SBFC, NAS:CCNE, NAS:HEOP, NAS:BSRR, NAS:FMNB, NAS:SNBC, NAS:WFBI, NAS:FRBK, NAS:WTBA » 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
PE Ratio 29.56
HTBI's PE Ratio is ranked lower than
90% of the 1941 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.56 vs. HTBI: 29.56 )
Ranked among companies with meaningful PE Ratio only.
HTBI' s PE Ratio Range Over the Past 10 Years
Min: 24.75  Med: 34.21 Max: 227.33
Current: 29.56
24.75
227.33
Forward PE Ratio 17.15
HTBI's Forward PE Ratio is ranked lower than
76% of the 526 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.33 vs. HTBI: 17.15 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 29.56
HTBI's PE Ratio without NRI is ranked lower than
89% of the 1635 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.25 vs. HTBI: 29.56 )
Ranked among companies with meaningful PE Ratio without NRI only.
HTBI' s PE Ratio without NRI Range Over the Past 10 Years
Min: 24.75  Med: 34.21 Max: 227.33
Current: 29.56
24.75
227.33
Price-to-Owner-Earnings 27.15
HTBI's Price-to-Owner-Earnings is ranked lower than
85% of the 905 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.04 vs. HTBI: 27.15 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
HTBI' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 13.47  Med: 29.13 Max: 402.17
Current: 27.15
13.47
402.17
PB Ratio 1.06
HTBI's PB Ratio is ranked higher than
56% of the 1810 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. HTBI: 1.06 )
Ranked among companies with meaningful PB Ratio only.
HTBI' s PB Ratio Range Over the Past 10 Years
Min: 0.72  Med: 0.89 Max: 1.29
Current: 1.06
0.72
1.29
PS Ratio 4.02
HTBI's PS Ratio is ranked lower than
63% of the 1833 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.32 vs. HTBI: 4.02 )
Ranked among companies with meaningful PS Ratio only.
HTBI' s PS Ratio Range Over the Past 10 Years
Min: 3.29  Med: 4.3 Max: 8.65
Current: 4.02
3.29
8.65
Price-to-Free-Cash-Flow 22.74
HTBI's Price-to-Free-Cash-Flow is ranked lower than
82% of the 1008 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.76 vs. HTBI: 22.74 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
HTBI' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 8.78  Med: 17.27 Max: 63.28
Current: 22.74
8.78
63.28
Price-to-Operating-Cash-Flow 20.41
HTBI's Price-to-Operating-Cash-Flow is ranked lower than
82% of the 1096 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.62 vs. HTBI: 20.41 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
HTBI' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 8.32  Med: 15.85 Max: 183.17
Current: 20.41
8.32
183.17
EV-to-EBIT 40.46
HTBI's EV-to-EBIT is ranked lower than
91% of the 1558 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.64 vs. HTBI: 40.46 )
Ranked among companies with meaningful EV-to-EBIT only.
HTBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.7  Med: 23.3 Max: 51.6
Current: 40.46
-0.7
51.6
EV-to-EBITDA 36.66
HTBI's EV-to-EBITDA is ranked lower than
92% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.00 vs. HTBI: 36.66 )
Ranked among companies with meaningful EV-to-EBITDA only.
HTBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.5  Med: 17.4 Max: 48.9
Current: 36.66
-0.5
48.9

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 1010 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.60 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: 2.7  Med: 2.35 Max: 0
Current: 4.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.17
HTBI's Price-to-Tangible-Book is ranked higher than
55% of the 1798 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. HTBI: 1.17 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
HTBI' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.75  Med: 0.93 Max: 1.34
Current: 1.17
0.75
1.34
Price-to-Intrinsic-Value-Projected-FCF 0.85
HTBI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
54% of the 1104 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HTBI: 0.85 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
HTBI' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.68  Med: 0.69 Max: 0.98
Current: 0.85
0.68
0.98
Price-to-Median-PS-Value 0.95
HTBI's Price-to-Median-PS-Value is ranked higher than
78% of the 1693 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.15 vs. HTBI: 0.95 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
HTBI' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.78  Med: 1.02 Max: 1.95
Current: 0.95
0.78
1.95
Price-to-Graham-Number 1.24
HTBI's Price-to-Graham-Number is ranked lower than
73% of the 1556 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. HTBI: 1.24 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HTBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 1  Med: 1.27 Max: 2.72
Current: 1.24
1
2.72
Earnings Yield (Greenblatt) % 2.46
HTBI's Earnings Yield (Greenblatt) % is ranked lower than
68% of the 2086 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.41 vs. HTBI: 2.46 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HTBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.9  Med: 4.2 Max: 4107.8
Current: 2.46
1.9
4107.8

More Statistics

Revenue (TTM) (Mil) $97.51
EPS (TTM) $ 0.76
Beta0.47
Short Percentage of Float0.54%
52-Week Range $17.28 - 27.05
Shares Outstanding (Mil)18.00

Analyst Estimate

Jun17 Jun18
Revenue (Mil $)
EPS ($) 1.11 1.30
EPS without NRI ($) 1.11 1.30
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)
» More Articles for HTBI

Headlines

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

More From Other Websites
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HomeTrust Completes Conversion of Highly Accretive Acquisition Mar 16 2017
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HOMETRUST BANCSHARES, INC. Financials Feb 15 2017
HOMETRUST BANCSHARES, INC. Files SEC form 10-Q, Quarterly Report Feb 09 2017
HomeTrust Bancshares, Inc. breached its 50 day moving average in a Bearish Manner : HTBI-US :... Feb 07 2017
ETFs with exposure to HomeTrust Bancshares, Inc. : February 2, 2017 Feb 02 2017
HomeTrust Bancshares, Inc. :HTBI-US: Earnings Analysis: Q2, 2017 By the Numbers : January 31, 2017 Jan 31 2017
HomeTrust Bancshares posts 2Q profit Jan 26 2017
HomeTrust Bancshares posts 2Q profit Jan 26 2017
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HomeTrust Bancshares, Inc. Reports Financial Results For The Second Fiscal Quarter Of 2017 Jan 26 2017
HomeTrust Bancshares, Inc. breached its 50 day moving average in a Bullish Manner : HTBI-US :... Jan 25 2017
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HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Dec 13 2016
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ETFs with exposure to HomeTrust Bancshares, Inc. : December 9, 2016 Dec 09 2016

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