Switch to:

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 : 5/10

vs
industry
vs
history
Cash-to-Debt 0.35
HTBI's Cash-to-Debt is ranked lower than
80% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 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: 2.1 Max: N/A
Current: 0.35
Equity-to-Asset 0.12
HTBI's Equity-to-Asset is ranked higher than
71% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. HTBI: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
HTBI' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1  Med: 0.13 Max: 0.24
Current: 0.12
0.1
0.24
Interest Coverage 2.07
HTBI's Interest Coverage is ranked higher than
66% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. HTBI: 2.07 )
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: 2.73
Current: 2.07
0.33
2.73
Beneish M-Score: -2.54
WACC vs ROIC
2.95%
1.47%
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 : 3/10

vs
industry
vs
history
Operating Margin % 14.42
HTBI's Operating Margin % is ranked lower than
76% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. HTBI: 14.42 )
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: 14.42
-40.96
23.36
Net Margin % 10.13
HTBI's Net Margin % is ranked lower than
77% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. HTBI: 10.13 )
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: 10.13
-21.56
16.26
ROE % 2.82
HTBI's ROE % is ranked lower than
81% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. HTBI: 2.82 )
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: 2.82
-8.6
4.03
ROA % 0.37
HTBI's ROA % is ranked lower than
75% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. HTBI: 0.37 )
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: 0.37
-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 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 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 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 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
65% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 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 5 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 30-Y Financials

Financials (Next Earnings Date: 2017-07-29 Est.)


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

» Details

Guru Trades

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
Q1 2017

HTBI Guru Trades in Q1 2017

Jim Simons 587,515 sh (+10.87%)
» 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%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522120    SIC: 6035
Compare:NAS:SNBC, NAS:OKSB, NAS:PUB, NAS:HEOP, NAS:FISI, AMEX:BHB, NAS:NCOM, NYSE:SCNB, NAS:BHBK, NAS:ACBI, OTCPK:HBIA, NAS:CARO, NAS:WFBI, NAS:IBCP, NAS:AROW, NAS:ABTX, OTCPK:FMCB, NAS:FRBK, NAS:FCBC, NYSE:OFG » details
Headquarter Location:USA
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.

Top Ranked Articles about HomeTrust Bancshares Inc

HomeTrust Completes Conversion of Highly Accretive Acquisition

ASHEVILLE, N.C., March 16, 2017 (GLOBE NEWSWIRE) -- HomeTrust Bancshares, Inc. (NASDAQ:HTBI) (“HomeTrust”), the holding company for HomeTrust Bank, announced today the completion of the system conversion related to its recent acquisition of TriSummit Bancorp, Inc. (“TriSummit”) and its wholly-owned subsidiary, TriSummit Bank. On Monday, March 13, 2017, all TriSummit Bank branches opened for business as HomeTrust Bank branches.
"I am extremely proud of the hard work of our combined teams uniting two separate banking operations and systems into one,” said Dana L. Stonestreet, Chairman, President, and CEO of HomeTrust. “We have truly enjoyed working with the TriSummit team while integrating our banks together to do more for our customers, employees, and stockholders and to capitalize on our combined strengths to grow our business in the Tri-Cities and eastern Tennessee. "This in-market merger has increased our assets to approximately $3.1 billion and enables us to increase loan production and offer additional products to new and existing customers, while significantly reducing expenses. The completion of this acquisition only adds to the momentum we are already achieving across our expanded regional franchise through recently hired seasoned commercial lenders. In the first eight months of our current fiscal year, we have seen overall organic loan growth increase $147.2 million, or 13.1% annualized. With increases in loan growth and estimated cost savings of 48%, we fully expect earnings accretion, net of any merger related expenses, to be above 30% beginning in the fourth quarter of fiscal 2017." As previously announced, HomeTrust completed the acquisition of TriSummit on January 1, 2017, when both TriSummit and TriSummit Bank merged into HomeTrust and HomeTrust Bank, respectively. About HomeTrust Bancshares, Inc. HomeTrust Bancshares, Inc. is the holding company for HomeTrust Bank (the “Bank”). As of December 31, 2016, HomeTrust had assets of $2.8 billion. The Bank, founded in 1926, is a North Carolina state chartered, community-focused financial institution committed to providing value added relationship banking through 41 locations as well as online/mobile channels. Locations include: North Carolina (including the Asheville metropolitan area, the "Piedmont" region, Charlotte, and a loan production office in Raleigh), Upstate South Carolina (Greenville), East Tennessee (including Kingsport/Johnson City, Knoxville, and Morristown) and Southwest Virginia (including the Roanoke Valley). The Bank is the 6th largest community bank headquartered in North Carolina. Cautionary Statement Regarding Forward Looking Statements This press release may contain certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Such statements often include words such as “believe,” “expect,” “anticipate,” “estimate,” and “intend” or future or conditional verbs such as “will,” “would,” “should,” “could,” or “may.” Forward-looking statements are not historical facts but instead represent management’s current expectations and forecasts regarding future events many of which are inherently uncertain and outside of our control. Actual results may differ, possibly materially from those currently expected or projected in these forward-looking statements. Factors that could cause actual results to differ materially from expected results include: expected cost savings, synergies and other financial benefits from the acquisition by HomeTrust of TriSummit and/or the combined company might not be realized within the expected time frames or at all, and costs or difficulties relating to integration matters might be greater than expected; increased competitive pressures; changes in the interest rate environment; changes in general economic conditions and conditions within the securities markets; legislative and regulatory changes; and other factors described in HomeTrust’s latest annual Report on Form 10-K and Quarterly Reports on Form 10-Q and other filings with the Securities and Exchange Commission (“SEC”) which are available on our website at www.hometrustbanking.com and on the SEC’s website at www.sec.gov. Any of the forward-looking statements that we make in this press release or our SEC filings are based upon management’s beliefs and assumptions at the time they are made and may turn out to be wrong because of inaccurate assumptions we might make, because of the factors illustrated above or because of other factors that we cannot foresee. We do not undertake and specifically disclaim any obligation to revise any forward-looking statements to reflect the occurrence of anticipated or unanticipated events or circumstances after the date of such statements. These risks could cause our actual results for fiscal 2017 and beyond to differ materially from those expressed in any forward-looking statements by, or on behalf of, us and could negatively affect our operating and stock performance. WEBSITE:          WWW.HOMETRUSTBANCSHARES.COM 
HomeTrust Bancshares, Inc.
Dana L. Stonestreet - Chairman, President and CEO
Tony J. VunCannon - Executive Vice President, CFO, and Treasurer
828-259-3939

Read more...

Ratios

vs
industry
vs
history
PE Ratio 42.44
HTBI's PE Ratio is ranked lower than
89% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. HTBI: 42.44 )
Ranked among companies with meaningful PE Ratio only.
HTBI' s PE Ratio Range Over the Past 10 Years
Min: 24.75  Med: 35.87 Max: 227.33
Current: 42.44
24.75
227.33
Forward PE Ratio 20.92
HTBI's Forward PE Ratio is ranked lower than
81% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. HTBI: 20.92 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 42.44
HTBI's PE Ratio without NRI is ranked lower than
90% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. HTBI: 42.44 )
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: 35.87 Max: 227.33
Current: 42.44
24.75
227.33
Price-to-Owner-Earnings 38.08
HTBI's Price-to-Owner-Earnings is ranked lower than
86% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. HTBI: 38.08 )
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: 29.16 Max: 402.17
Current: 38.08
13.47
402.17
PB Ratio 1.22
HTBI's PB Ratio is ranked higher than
53% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. HTBI: 1.22 )
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: 1.22
0.72
1.29
PS Ratio 4.33
HTBI's PS Ratio is ranked lower than
65% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. HTBI: 4.33 )
Ranked among companies with meaningful PS Ratio only.
HTBI' s PS Ratio Range Over the Past 10 Years
Min: 3.27  Med: 4.2 Max: 8.65
Current: 4.33
3.27
8.65
Price-to-Free-Cash-Flow 33.98
HTBI's Price-to-Free-Cash-Flow is ranked lower than
85% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. HTBI: 33.98 )
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: 8.74  Med: 17.38 Max: 62.89
Current: 33.98
8.74
62.89
Price-to-Operating-Cash-Flow 30.49
HTBI's Price-to-Operating-Cash-Flow is ranked lower than
85% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. HTBI: 30.49 )
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: 8.29  Med: 16.2 Max: 179.61
Current: 30.49
8.29
179.61
EV-to-EBIT 59.79
HTBI's EV-to-EBIT is ranked lower than
92% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. HTBI: 59.79 )
Ranked among companies with meaningful EV-to-EBIT only.
HTBI' s EV-to-EBIT Range Over the Past 10 Years
Min: -0.7  Med: 25.8 Max: 60.05
Current: 59.79
-0.7
60.05
EV-to-EBITDA 54.47
HTBI's EV-to-EBITDA is ranked lower than
92% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. HTBI: 54.47 )
Ranked among companies with meaningful EV-to-EBITDA only.
HTBI' s EV-to-EBITDA Range Over the Past 10 Years
Min: -0.5  Med: 19.05 Max: 54.71
Current: 54.47
-0.5
54.71

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 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 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 1.33
HTBI's Price-to-Tangible-Book is ranked higher than
53% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. HTBI: 1.33 )
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: 1.33
0.75
1.34
Price-to-Intrinsic-Value-Projected-FCF 0.99
HTBI's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
61% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. HTBI: 0.99 )
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  Med: 0.69 Max: 1
Current: 0.99
0
1
Price-to-Median-PS-Value 1.03
HTBI's Price-to-Median-PS-Value is ranked higher than
70% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. HTBI: 1.03 )
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  Med: 1.04 Max: 1.99
Current: 1.03
0
1.99
Price-to-Graham-Number 1.58
HTBI's Price-to-Graham-Number is ranked lower than
73% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. HTBI: 1.58 )
Ranked among companies with meaningful Price-to-Graham-Number only.
HTBI' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0  Med: 1.27 Max: 2.72
Current: 1.58
0
2.72
Earnings Yield (Greenblatt) % 1.67
HTBI's Earnings Yield (Greenblatt) % is ranked lower than
69% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. HTBI: 1.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
HTBI' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.65  Med: 3.8 Max: 4107.8
Current: 1.67
1.65
4107.8

More Statistics

Revenue (TTM) (Mil) $102.5
EPS (TTM) $ 0.59
Beta0.47
Short Percentage of Float0.50%
52-Week Range $17.28 - 27.05
Shares Outstanding (Mil)18.95

Analyst Estimate

Jun17 Jun18 Jun19
Revenue (Mil $) 91 102 109
EPS ($) 0.90 1.19 1.52
EPS without NRI ($) 0.90 1.19 1.52
EPS Growth Rate
(Future 3Y To 5Y Estimate)
N/A
Dividends per Share ($)

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)