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16.27 (1y: +39%)
Market Cap 338.2 M P/E(ttm) 54.20
Enterprise Value 339.17 M P/B
HTBI- NAS (USA)
HomeTrust Bancshares Inc
Not Rated
Top Ranked Predictable Companies
$16.27
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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

vs
industry		 vs
history
Cash to Debt 9.255
HTBI's Cash to Debt is ranked higher than
82% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. HTBI: 9.255 )
HTBI' s 10-Year Cash to Debt Range
Min: 1.09   Max: No Debt
Current: 9.26
Equity to Asset 0.1
HTBI's Equity to Asset is ranked higher than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HTBI: 0.1 )
HTBI' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.11
Current: 0.1
0.1
0.11
Interest Coverage No Debt
HTBI's Interest Coverage is ranked higher than
68% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10000.00 vs. HTBI: No Debt )
HTBI' s 10-Year Interest Coverage Range
Min: No Debt   Max: No Debt
Current: No Debt
Z-Score: 0.46
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

vs
industry		 vs
history
Operating margin (%) 10.00
HTBI's Operating margin (%) is ranked lower than
72% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 25.80 vs. HTBI: 10.00 )
HTBI' s 10-Year Operating margin (%) Range
Min: -46.2   Max: 10
Current: 10
-46.2
10
Net-margin (%) 10.2
HTBI's Net-margin (%) is ranked lower than
75% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.10 vs. HTBI: 10.2 )
HTBI' s 10-Year Net-margin (%) Range
Min: -24.3   Max: 10.2
Current: 10.2
-24.3
10.2
» HTBI's 10-Y Financials

Financials


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

» Details

Guru Trades

HTBI Guru Trades in

Q3 2012

HTBI Guru Trades in Q3 2012

John Keeley 773,025 sh (New)
Michael Price 550,470 sh (New)
» More
Q4 2012

HTBI Guru Trades in Q4 2012

John Keeley 1,094,005 sh (+41.52%)
Michael Price 550,470 sh (unchged)
» More
Q1 2013

HTBI Guru Trades in Q1 2013

John Keeley 1,099,485 sh (+0.5%)
Michael Price 550,470 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with HTBI

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
John Keeley 2012-12-31 Add 41.52%0.1%$12.69 - $13.65 $ 16.2723%1094005
Michael Price 2012-09-30 New Buy1.1%$11.92 - $13.25 $ 16.2730%550470
John Keeley 2012-09-30 New Buy0.23%$11.92 - $13.25 $ 16.2730%773025
Premium More recent guru trades are included for Premium Members only!!

Top Ranked Articles about HomeTrust Bancshares Inc

Weekly CFO Buys Highlight: HTBI, HRB, FLL, TINY, MMLP
July 16, 2012
According to GuruFocus Insider Data, these are the largest CFO buys during the past week. The overall trend of CFOs is illustrated in the chart below: Read more...

Ratios

vs
industry		 vs
history
P/E(ttm) 54.20
HTBI's P/E(ttm) is ranked lower than
80% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.43 vs. HTBI: 54.20 )
HTBI' s 10-Year P/E(ttm) Range
Min: 51.6   Max: 227.33
Current: 54.2
51.6
227.33
P/S 5.24
HTBI's P/S is ranked lower than
87% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.20 vs. HTBI: 5.24 )
HTBI' s 10-Year P/S Range
Min: 6.48   Max: 17.27
Current: 5.24
6.48
17.27
PFCF 19.80
HTBI's PFCF is ranked lower than
96% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. HTBI: 19.80 )
HTBI' s 10-Year PFCF Range
Min: 18.88   Max: 39.44
Current: 19.8
18.88
39.44
EV-to-EBIT 41.7
HTBI's EV-to-EBIT is ranked lower than
67% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.90 vs. HTBI: 41.7 )
HTBI' s 10-Year EV-to-EBIT Range
Min: 6   Max: 36.9
Current: 41.7
6
36.9

Valuation & Return

vs
industry		 vs
history
Price/Median PS Value 0.8
HTBI's Price/Median PS Value is ranked lower than
79% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. HTBI: 0.8 )
HTBI' s 10-Year Price/Median PS Value Range
Min: 1   Max: 1
Current: 0.8
Earnings Yield (Greenblatt) 2.40
HTBI's Earnings Yield (Greenblatt) is ranked lower than
74% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. HTBI: 2.40 )
HTBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.4   Max: 16.7
Current: 2.4
2.4
16.7

Business Description

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.
Company Website
SEC Reports
Industry: Banks - Regional - US
Compare:
» 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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