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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 2.21
HTBI's Cash to Debt is ranked higher than
75% of the 1734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.88 vs. HTBI: 2.21 )
HTBI' s 10-Year Cash to Debt Range
Min: 0.53   Max: No Debt
Current: 2.21

Equity to Asset 0.14
HTBI's Equity to Asset is ranked higher than
87% of the 2241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. HTBI: 0.14 )
HTBI' s 10-Year Equity to Asset Range
Min: 0.1   Max: 0.24
Current: 0.14

0.1
0.24
Interest Coverage 2.73
HTBI's Interest Coverage is ranked higher than
80% of the 2151 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.25 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: 4
Z-Score: 0.22
WACC vs ROIC
4.79%
5.12%
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 : 5/10

vs
industry
vs
history
Operating margin (%) 14.92
HTBI's Operating margin (%) is ranked higher than
55% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.14 vs. HTBI: 14.92 )
HTBI' s 10-Year Operating margin (%) Range
Min: -40.96   Max: 23.36
Current: 14.92

-40.96
23.36
Net-margin (%) 11.07
HTBI's Net-margin (%) is ranked higher than
56% of the 2344 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.16 vs. HTBI: 11.07 )
HTBI' s 10-Year Net-margin (%) Range
Min: -21.56   Max: 16.26
Current: 11.07

-21.56
16.26
ROE (%) 2.28
HTBI's ROE (%) is ranked higher than
51% of the 2347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.98 vs. HTBI: 2.28 )
HTBI' s 10-Year ROE (%) Range
Min: -8.6   Max: 3.35
Current: 2.28

-8.6
3.35
ROA (%) 0.41
HTBI's ROA (%) is ranked higher than
58% of the 2356 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. HTBI: 0.41 )
HTBI' s 10-Year ROA (%) Range
Min: -0.9   Max: 0.57
Current: 0.41

-0.9
0.57
ROC (Joel Greenblatt) (%) 27.69
HTBI's ROC (Joel Greenblatt) (%) is ranked higher than
57% of the 2318 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 87.69 vs. HTBI: 27.69 )
HTBI' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -249.93   Max: 48.47
Current: 27.69

-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%)
Michael Price 300,000 sh (unchged)
John Keeley 1,083,295 sh (unchged)
» More
Q2 2014

HTBI Guru Trades in Q2 2014

Jim Simons 339,003 sh (+229.20%)
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

John Keeley 18,100 sh (unchged)
John Keeley 18,100 sh (unchged)
Michael Price 259,622 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%)

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» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 35.60
HTBI's P/E(ttm) is ranked higher than
60% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.90 vs. HTBI: 35.60 )
HTBI' s 10-Year P/E(ttm) Range
Min: 24.55   Max: 227.33
Current: 35.6

24.55
227.33
Forward P/E 17.33
HTBI's Forward P/E is ranked higher than
66% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTBI: 17.33 )
N/A
PE(NRI) 35.40
HTBI's PE(NRI) is ranked higher than
66% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 18.70 vs. HTBI: 35.40 )
HTBI' s 10-Year PE(NRI) Range
Min: 24.75   Max: 227.33
Current: 35.4

24.75
227.33
P/B 0.90
HTBI's P/B is ranked higher than
84% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.40 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 3.89
HTBI's P/S is ranked higher than
56% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.82 vs. HTBI: 3.89 )
HTBI' s 10-Year P/S Range
Min: 3.81   Max: 8.63
Current: 3.89

3.81
8.63
PFCF 17.50
HTBI's PFCF is ranked higher than
75% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTBI: 17.50 )
HTBI' s 10-Year PFCF Range
Min: 8.74   Max: 30.76
Current: 17.5

8.74
30.76
POCF 13.61
HTBI's POCF is ranked higher than
78% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 225.87 vs. HTBI: 13.61 )
HTBI' s 10-Year POCF Range
Min: 8.33   Max: 27.96
Current: 13.61

8.33
27.96
EV-to-EBIT 1.81
HTBI's EV-to-EBIT is ranked higher than
99% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.40 vs. HTBI: 1.81 )
HTBI' s 10-Year EV-to-EBIT Range
Min: -0.7   Max: 36.9
Current: 1.81

-0.7
36.9
Days Sales Outstanding 34.14
HTBI's Days Sales Outstanding is ranked higher than
88% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.00 vs. HTBI: 34.14 )
HTBI' s 10-Year Days Sales Outstanding Range
Min: 0.7   Max: 74.89
Current: 34.14

0.7
74.89

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.90
HTBI's Price/Tangible Book is ranked higher than
86% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 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 0.80
HTBI's Price/Median PS Value is ranked higher than
93% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. HTBI: 0.80 )
HTBI' s 10-Year Price/Median PS Value Range
Min: 0.8   Max: 1.7
Current: 0.8

0.8
1.7
Price/Graham Number 1.20
HTBI's Price/Graham Number is ranked higher than
68% of the 3164 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 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) 55.80
HTBI's Earnings Yield (Greenblatt) is ranked higher than
98% of the 2337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.50 vs. HTBI: 55.80 )
HTBI' s 10-Year Earnings Yield (Greenblatt) Range
Min: 2.7   Max: 4107.8
Current: 55.8

2.7
4107.8

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 
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