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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 1.83
HTBI's Cash to Debt is ranked higher than
80% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.46 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
90% of the 2022 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 1874 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 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: 0.26
WACC vs ROIC
5.00%
5.25%
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 : 4/10

vs
industry
vs
history
Operating margin (%) 17.27
HTBI's Operating margin (%) is ranked higher than
57% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 29.81 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
58% of the 2058 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.95 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 2060 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.74 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
61% of the 2064 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 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
60% of the 2021 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 78.79 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

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 (unchged)
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
Q4 2014

HTBI Guru Trades in Q4 2014

Michael Price 259,622 sh (unchged)
John Keeley 18,100 sh (unchged)
Jim Simons 299,215 sh (-6.79%)
» 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 $ 15.84%18100
John Keeley 2014-06-30 Reduce -97.59%0.28%$14.87 - $16 $ 15.82%26100
Michael Price 2013-12-31 Reduce -34.13%0.34%$15.89 - $16.55 $ 15.8-2%300000
Michael Price 2013-09-30 Reduce -17.26%0.22%$16 - $17 $ 15.8-4%455470
John Keeley 2012-12-31 Add 41.52%0.1%$12.69 - $13.65 $ 15.819%1094005
Michael Price 2012-09-30 New Buy1.1%$11.92 - $13.25 $ 15.826%550470
John Keeley 2012-09-30 New Buy0.23%$11.92 - $13.25 $ 15.826%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) 31.80
HTBI's P/E(ttm) is ranked higher than
67% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. HTBI: 31.80 )
HTBI' s 10-Year P/E(ttm) Range
Min: 24.55   Max: 227.33
Current: 31.8

24.55
227.33
Forward P/E 17.36
HTBI's Forward P/E is ranked higher than
77% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.42 vs. HTBI: 17.36 )
N/A
PE(NRI) 32.20
HTBI's PE(NRI) is ranked higher than
67% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.80 vs. HTBI: 32.20 )
HTBI' s 10-Year PE(NRI) Range
Min: 24.75   Max: 227.33
Current: 32.2

24.75
227.33
P/B 0.90
HTBI's P/B is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 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 3.90
HTBI's P/S is ranked higher than
71% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.63 vs. HTBI: 3.90 )
HTBI' s 10-Year P/S Range
Min: 3.96   Max: 8.63
Current: 3.9

3.96
8.63
PFCF 26.70
HTBI's PFCF is ranked higher than
80% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTBI: 26.70 )
HTBI' s 10-Year PFCF Range
Min: 8.74   Max: 30.76
Current: 26.7

8.74
30.76
POCF 19.24
HTBI's POCF is ranked higher than
79% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 77.89 vs. HTBI: 19.24 )
HTBI' s 10-Year POCF Range
Min: 8.33   Max: 27.96
Current: 19.24

8.33
27.96
EV-to-EBIT 19.01
HTBI's EV-to-EBIT is ranked higher than
99% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 19.45 vs. HTBI: 19.01 )
HTBI' s 10-Year EV-to-EBIT Range
Min: 2.2   Max: 36.9
Current: 19.01

2.2
36.9
Days Sales Outstanding 38.24
HTBI's Days Sales Outstanding is ranked higher than
87% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTBI: 38.24 )
HTBI' s 10-Year Days Sales Outstanding Range
Min: 0.7   Max: 74.89
Current: 38.24

0.7
74.89

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
HTBI's Price/Tangible Book is ranked higher than
88% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.51 vs. HTBI: 0.90 )
HTBI' s 10-Year Price/Tangible Book Range
Min: 0.75   Max: 0.96
Current: 0.9

0.75
0.96
Price/Median PS Value 0.90
HTBI's Price/Median PS Value is ranked higher than
95% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.24 vs. HTBI: 0.90 )
HTBI' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1.69
Current: 0.9

0.8
1.69
Price/Graham Number 1.20
HTBI's Price/Graham Number is ranked higher than
72% of the 2695 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 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) 5.30
HTBI's Earnings Yield (Greenblatt) is ranked higher than
99% of the 2048 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. HTBI: 5.30 )
HTBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 44.7
Current: 5.3

2.7
44.7

Analyst Estimate

Jun15 Jun16
EPS($) 0.67 0.91
EPS without NRI($) 0.67 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 BANCSHARES, INC. Files SEC form 8-K, Regulation FD Disclosure, Financial Statements and... Mar 02 2015
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HomeTrust Bank CEO sees 'half-a-billion dollar' market in Charlotte Feb 24 2015
HomeTrust Bancshares, Inc. Reports Second Quarter Fiscal Year 2015 Financial Results Feb 21 2015
HomeTrust Bank Recognized by United Way of Greenville County, SC for Fundraising Feb 21 2015
HomeTrust Bank Completes System Conversion and Re-Branding of Bank of Commerce Feb 21 2015
HomeTrust Bankers Volunteer at 'Tons of Fun' in Roanoke, VA Feb 21 2015
HomeTrust Bank Hires Sallie Jarosz SVP, Commercial Real Estate Relationship Manager, Charlotte Feb 19 2015
Thank You, Mountaineer Readers, for Voting HomeTrust "Best Bank" in Haywood County! Feb 19 2015
HomeTrust Bank Completes System Conversion and Re-Branding of Bank of Commerce Feb 17 2015
HOMETRUST BANCSHARES, INC. Financials Feb 14 2015
HOMETRUST BANCSHARES, INC. Files SEC form 10-Q, Quarterly Report Feb 09 2015
HomeTrust Bank Hires Sallie Jarosz Feb 05 2015
HomeTrust Bancshares posts 2Q profit Jan 29 2015
HomeTrust Bancshares posts 2Q profit Jan 29 2015
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HomeTrust Branch Sales & Service Manager Receives Volunteer of the Year Award Dec 19 2014

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