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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 57.75
HTBI's Cash to Debt is ranked higher than
85% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. HTBI: 57.75 )
HTBI' s 10-Year Cash to Debt Range
Min: 0.53   Max: No Debt
Current: 57.75

Equity to Asset 0.22
HTBI's Equity to Asset is ranked higher than
96% of the 1647 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HTBI: 0.22 )
HTBI' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.24
Current: 0.22

0.1
0.24
Interest Coverage 1.52
HTBI's Interest Coverage is ranked higher than
70% of the 1502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 vs. HTBI: 1.52 )
HTBI' s 10-Year Interest Coverage Range
Min: 0.33   Max: 1.52
Current: 1.52

0.33
1.52
F-Score: 5
Z-Score: 0.33
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 : 4/10

vs
industry
vs
history
Operating margin (%) 17.36
HTBI's Operating margin (%) is ranked higher than
58% of the 1646 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.41 vs. HTBI: 17.36 )
HTBI' s 10-Year Operating margin (%) Range
Min: -40.96   Max: 17.36
Current: 17.36

-40.96
17.36
Net-margin (%) 14.25
HTBI's Net-margin (%) is ranked higher than
61% of the 1665 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.71 vs. HTBI: 14.25 )
HTBI' s 10-Year Net-margin (%) Range
Min: -21.56   Max: 14.25
Current: 14.25

-21.56
14.25
ROE (%) 2.46
HTBI's ROE (%) is ranked higher than
52% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.17 vs. HTBI: 2.46 )
HTBI' s 10-Year ROE (%) Range
Min: -8.78   Max: 4.03
Current: 2.46

-8.78
4.03
ROA (%) 0.57
HTBI's ROA (%) is ranked higher than
65% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. HTBI: 0.57 )
HTBI' s 10-Year ROA (%) Range
Min: -0.9   Max: 0.57
Current: 0.57

-0.9
0.57
ROC (Joel Greenblatt) (%) 49.23
HTBI's ROC (Joel Greenblatt) (%) is ranked higher than
67% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 73.28 vs. HTBI: 49.23 )
HTBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -124.97   Max: 49.23
Current: 49.23

-124.97
49.23
» HTBI's 10-Y Financials

Financials


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

» Details

Guru Trades

Q3 2013

HTBI Guru Trades in Q3 2013

John Keeley 1,083,795 sh (-1.43%)
Michael Price 455,470 sh (-17.26%)
» More
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
» 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 2014-06-30 Reduce -97.59%0.28%$14.87 - $16 $ 15.06-2%26100
Michael Price 2013-12-31 Reduce -34.13%0.34%$15.89 - $16.55 $ 15.06-7%300000
Michael Price 2013-09-30 Reduce -17.26%0.22%$16 - $17 $ 15.06-8%455470
John Keeley 2012-12-31 Add 41.52%0.1%$12.69 - $13.65 $ 15.0614%1094005
Michael Price 2012-09-30 New Buy1.1%$11.92 - $13.25 $ 15.0620%550470
John Keeley 2012-09-30 New Buy0.23%$11.92 - $13.25 $ 15.0620%773025
Premium More recent guru trades are included for Premium Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 24.20
HTBI's P/E(ttm) is ranked higher than
53% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.10 vs. HTBI: 24.20 )
HTBI' s 10-Year P/E(ttm) Range
Min: 24.2   Max: 227.33
Current: 24.2

24.2
227.33
P/B 0.80
HTBI's P/B is ranked higher than
84% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HTBI: 0.80 )
HTBI' s 10-Year P/B Range
Min: 0.72   Max: 0.96
Current: 0.8

0.72
0.96
P/S 4.60
HTBI's P/S is ranked lower than
67% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.06 vs. HTBI: 4.60 )
HTBI' s 10-Year P/S Range
Min: 4.59   Max: 8.63
Current: 4.6

4.59
8.63
PFCF 11.10
HTBI's PFCF is ranked higher than
70% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 24.14 vs. HTBI: 11.10 )
HTBI' s 10-Year PFCF Range
Min: 8.74   Max: 30.76
Current: 11.1

8.74
30.76
EV-to-EBIT 2.89
HTBI's EV-to-EBIT is ranked higher than
98% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.09 vs. HTBI: 2.89 )
HTBI' s 10-Year EV-to-EBIT Range
Min: 2.2   Max: 36.9
Current: 2.89

2.2
36.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.80
HTBI's Price/Tangible Book is ranked higher than
86% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 vs. HTBI: 0.80 )
HTBI' s 10-Year Price/Tangible Book Range
Min: 0.75   Max: 0.96
Current: 0.8

0.75
0.96
Price/Median PS Value 0.90
HTBI's Price/Median PS Value is ranked higher than
86% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. HTBI: 0.90 )
HTBI' s 10-Year Price/Median PS Value Range
Min: 0.95   Max: 1.66
Current: 0.9

0.95
1.66
Price/Graham Number 1.00
HTBI's Price/Graham Number is ranked higher than
65% of the 1831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. HTBI: 1.00 )
HTBI' s 10-Year Price/Graham Number Range
Min: 1   Max: 1.32
Current: 1

1
1.32
Earnings Yield (Greenblatt) 35.00
HTBI's Earnings Yield (Greenblatt) is ranked higher than
97% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.90 vs. HTBI: 35.00 )
HTBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 44.7
Current: 35

2.7
44.7

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 Bank Reaches Settlement in Trademark Dispute With HomeTown Bank Aug 19 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Regulation FD Disclosure Aug 19 2014
HomeTrust Bank Reaches Settlement in Trademark Dispute With HomeTown Bank Aug 19 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K/A, Financial Statements and Exhibits Aug 08 2014
HomeTrust Bank and Bank of Commerce Complete Merger Aug 04 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Aug 04 2014
HomeTrust Bank and Bank of Commerce Complete Merger Aug 04 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jul 30 2014
HomeTrust Bancshares, Inc. Reports Increased Earnings for Fiscal Year End 2014 Jul 28 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Results of Operations and Financial Condition Jul 28 2014
HomeTrust Bancshares, Inc. Reports Increased Earnings for Fiscal Year End 2014 Jul 28 2014
Regions Q2 Earnings in Line with Estimates, Rises Y/Y Jul 22 2014
HomeTrust Bancshares Inc Stock Upgraded (HTBI) Jul 15 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 30 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Jun 25 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Entry into a Material Definitive Agreement, Financial... Jun 10 2014
HomeTrust Bancshares to Expand Branch Banking Operations in Virginia Jun 10 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Other Events, Financial Statements and Exhibits Jun 05 2014
HomeTrust Bank to Open Commercial Loan Production Office in Roanoke Jun 05 2014
HOMETRUST BANCSHARES, INC. Files SEC form 8-K, Completion of Acquisition or Disposition of Assets,... Jun 03 2014

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