>
Switch to:

HomeTrust Bancshares ROE %

: 10.53% (As of Sep. 2021)
View and export this data going back to 2012. Start your Free Trial

ROE % is calculated as Net Income attributable to Common Stockholders (Net Income minus dividends to participating security holders) divided by its average Total Stockholders Equity over a certain period of time. HomeTrust Bancshares's annualized net income attributable to common stockholders for the quarter that ended in Sep. 2021 was $41.7 Mil. HomeTrust Bancshares's average Total Stockholders Equity over the quarter that ended in Sep. 2021 was $396.5 Mil. Therefore, HomeTrust Bancshares's annualized ROE % for the quarter that ended in Sep. 2021 was 10.53%.

The historical rank and industry rank for HomeTrust Bancshares's ROE % or its related term are showing as below:

NAS:HTBI' s ROE % Range Over the Past 10 Years
Min: 2.03   Med: 3.09   Max: 6.59
Current: 5.06

2.03
6.59

During the past 12 years, HomeTrust Bancshares's highest ROE % was 6.59%. The lowest was 2.03%. And the median was 3.09%.

NAS:HTBI's ROE % is ranked lower than
66% of the 934 Companies
in the Banks industry.

( Industry Median: 11.10 vs. NAS:HTBI: 5.06 )

HomeTrust Bancshares ROE % Historical Data

The historical data trend for HomeTrust Bancshares's ROE % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

HomeTrust Bancshares Annual Data
Trend Jun12 Jun13 Jun14 Jun15 Jun16 Jun17 Jun18 Jun19 Jun20 Jun21
ROE %
Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3.09 2.03 6.59 5.53 3.86

HomeTrust Bancshares Quarterly Data
Dec16 Mar17 Jun17 Sep17 Dec17 Mar18 Jun18 Sep18 Dec18 Mar19 Jun19 Sep19 Dec19 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21
ROE % Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 5.64 9.32 7.69 -7.32 10.53

Competitive Comparison

For the Banks - Regional subindustry, HomeTrust Bancshares's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

   

HomeTrust Bancshares ROE % Distribution

For the Banks industry and Financial Services sector, HomeTrust Bancshares's ROE % distribution charts can be found below:

* The bar in red indicates where HomeTrust Bancshares's ROE % falls into.



HomeTrust Bancshares ROE % Calculation

HomeTrust Bancshares's annualized ROE % for the fiscal year that ended in Jun. 2021 is calculated as

ROE %=Net Income attributable to Common Stockholders (A: Jun. 2021 )/( (Total Stockholders Equity (A: Jun. 2020 )+Total Stockholders Equity (A: Jun. 2021 ))/ count )
=15.53/( (408.263+396.519)/ 2 )
=15.53/402.391
=3.86 %

HomeTrust Bancshares's annualized ROE % for the quarter that ended in Sep. 2021 is calculated as

ROE %=Net Income attributable to Common Stockholders (Q: Sep. 2021 )/( (Total Stockholders Equity (Q: Jun. 2021 )+Total Stockholders Equity (Q: Sep. 2021 ))/ count )
=41.74/( (396.519+396.511)/ 2 )
=41.74/396.515
=10.53 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual ROE %, the net income attributable to common stockholders of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data, the net income attributable to common stockholders data used here is four times the quarterly (Sep. 2021) net income attributable to common stockholders data. ROE % is displayed in the 30-year financial page.


HomeTrust Bancshares  (NAS:HTBI) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %**(Q: Sep. 2021 )
=Net Income/Total Stockholders Equity
=42.108/396.515
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(42.108 / 152.236)*(152.236 / 3503.0415)*(3503.0415 / 396.515)
=Net Margin %*Asset Turnover*Equity Multiplier
=27.66 %*0.0435*8.8346
=ROA %*Equity Multiplier
=1.2 %*8.8346
=10.62 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %**(Q: Sep. 2021 )
=Net Income/Total Stockholders Equity
=42.108/396.515
=(Net Income /Pre-Tax Income) * (Pre-Tax Income/Operating Income) * (Operating Income/Revenue) * (Revenue/Total Assets) * (Total Assets/Total Stockholders Equity)
= (42.108 / 54.012) * (54.012 / 0) * (0 / 152.236) * (152.236 / 3503.0415) * (3503.0415 / 396.515)
= Tax Burden * Interest Burden * Operating Margin % * Asset Turnover * Equity Multiplier
= 0.7796 * N/A * 0 % * 0.0435 * 8.8346
=10.62 %

Note: The net income attributable to common stockholders data used here is four times the quarterly (Sep. 2021) net income attributable to common stockholders data. The Revenue data used here is four times the quarterly (Sep. 2021) revenue data. The same rule applies to Pre-Tax Income and Operating Income.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

** The ROE % used above is for Du Pont Analysis only. It is different from the defined ROE % page on our website, as here it uses Net Income instead of Net Income attributable to Common Stockholders in the calculation.


Be Aware

Net income attributable to common stockholders is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.

Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.


HomeTrust Bancshares ROE % Related Terms

Thank you for viewing the detailed overview of HomeTrust Bancshares's ROE % provided by GuruFocus.com. Please click on the following links to see related term pages.


HomeTrust Bancshares Business Description

HomeTrust Bancshares logo
Industry
Financial Services » Banks NAICS : 522120 SIC : 6035
Traded in Other Exchanges
N/A
Address
10 Woodfin Street, Asheville, NC, USA, 28801
HomeTrust Bancshares Inc operates as a bank holding company, which offers deposit accounts for individuals, businesses, and nonprofit organizations for HomeTrust Bank. It involves attracting deposits, including savings money market, demand accounts, and certificates of deposit from the general public. The company's loan portfolio comprises retail consumer loans, such as one-to-four-family residential property lending, home equity lines of credit, construction and land/lots, indirect auto finance, and consumer lending; and commercial loans, including commercial real estate lending, construction, and development lending, and commercial and industrial loans.
Executives
Koontz Craig C. director C/O HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Vuncannon Tony J. officer: EVP, CFO and Treasurer C/O HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Westbrook Hunter officer: EVP, Chief Banking Officer C/O HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Williams Richard Tyrone director HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Kendall Laura C director C/O CHARLES & COLVARD 3800 GATEWAY BLVD #310 MORRISVILLE NC 27560
Houghton Keith J officer: EVP, Chief Credit Officer C/O HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Stonestreet Dana L. director, officer: President and CEO C/O HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Biesecker Sidney A. director C/O HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Goforth J. Steven director C/O HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Mcfarland F. K. Iii director C/O HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Little R. Parrish officer: EVP, Chief Risk Officer HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
James Robert E. director HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Switzer John director BARINGS LLC 300 SOUTH TRYON STREET, SUITE 2500 CHARLOTTE NC 28202
Caywood Marty T. officer: EVP, Chief Information Officer HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801
Labian Paula C. officer: EVP, Chief Human Resources Off HOMETRUST BANCSHARES, INC. 10 WOODFIN STREET ASHEVILLE NC 28801

HomeTrust Bancshares Headlines

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)