A Business at a Glance
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HomeTrust Bancshares, Inc.
HTB
$834M
Mkt Cap
$48.70
+0.45%
HomeTrust Bancshares, Inc. (HTB) has a current P/E ratio of 13.5, compared to its historical median P/E of 16.8. The stock is currently considered Fair based on its historical valuation range.
HomeTrust Bancshares, Inc. (HTB) has a 5-year average return on invested capital (ROIC) of 8.8%. This is below average and may indicate limited pricing power.
HomeTrust Bancshares, Inc. (HTB) has a market capitalization of $818M. It is classified as a small-cap stock.
Yes, HomeTrust Bancshares, Inc. (HTB) pays a dividend with a trailing twelve-month yield of 1.02%. The company also returns capital through share buybacks, with a buyback yield of 3.23%.
Based on historical P/E analysis, HomeTrust Bancshares, Inc. (HTB) appears fair. The current P/E of 13.5 is 20% below its historical median of 16.8. The estimated fair value CAGR (P/E method) is 23.6%.
HomeTrust Bancshares, Inc. (HTB) operates in the Savings Institution, Federally Chartered industry, within the Financials sector.
HomeTrust Bancshares, Inc., a Maryland corporation, was formed for the purpose of becoming the holding company for HomeTrust Bank in connection with the Bank’s conversion from mutual to stock form, which was completed on July 10, 2012. As a bank holding company and financial holding company, we are regulated by the Federal Reserve. At December 31, 2024, the Company had consolidated total assets of $4.6 billion, total deposits of $3.8 billion and stockholders’ equity of $551.8 million. The Company has not engaged in any significant activity other than holding the stock of the Bank. Accordingly, the information set forth in this Form 10-K, including the audited consolidated financial statements and related data, relates primarily to the Bank and its subsidiary. As a North Carolina state-chartered bank, and member of the FRB, the Bank's primary regulators are the NCCOB and the Federal Reserve. The Bank's deposits are federally insured up to applicable limits by the FDIC.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 214M | 292M | 295M | 218M | 155M | 159M |
| Net Income | 64M | 64M | 54M | 44M | 35M | 16M |
| EPS | $3.71 | $3.72 | $3.20 | $2.80 | $2.23 | $0.94 |
| Free Cash Flow | 158M | 43M | 29M | -48M | 30M | -18M |
| ROIC | 10.9% | 11.1% | 10.3% | 9.9% | 9.0% | 3.9% |
| Gross Margin | - | 0.0% | - | - | - | - |
| Debt/Equity | 0.00 | 0.27 | 0.34 | 0.87 | 8.13 | 7.89 |
| Dividends/Share | $0.50 | $0.49 | $0.45 | $0.39 | $0.35 | $0.31 |
| Operating Income | 4.1M | 3.9M | 3.6M | 3.7M | 3.4M | 4.7M |
| Operating Margin | 1.9% | 1.3% | 1.2% | 1.7% | 2.2% | 3.0% |
| ROE | 10.9% | 11.1% | 10.3% | 9.9% | 9.0% | 3.9% |
| Shares Outstanding | 17M | 17M | 17M | 16M | 16M | 17M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 69M | 98M | 102M | 116M | 136M | 160M | 167M | 159M | 155M | 218M | 295M | 292M | 214M |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 30M | 41M | 42M | 46M | 48M | 52M | 57M | 63M | 60M | 62M | 68M | 73M | 74M |
| EBIT | 2.7M | 1.9M | 2.1M | 2.3M | 2.4M | 2.6M | 2.9M | 4.7M | 3.4M | 3.7M | 3.6M | 3.9M | 4.1M |
| Op. Margin | 4.0% | 1.9% | 2.1% | 2.0% | 1.8% | 1.7% | 1.7% | 3.0% | 2.2% | 1.7% | 1.2% | 1.3% | 1.9% |
| Net Income | 10M | 8.0M | 11M | 12M | 8.2M | 27M | 23M | 16M | 35M | 44M | 54M | 64M | 64M |
| Net Margin | 15.0% | 8.2% | 11.1% | 10.1% | 6.0% | 16.8% | 13.6% | 9.8% | 22.8% | 20.3% | 18.4% | 21.8% | 30.1% |
| Non-Recurring | 0 | 375K | 410K | 385K | 164K | 0 | 0 | 202K | -87K | 0 | 0 | 1.4M | 1.4M |
| Returns on Capital | |||||||||||||
| ROIC | 2.8% | 2.1% | 3.1% | 3.1% | 2.0% | 6.6% | 5.5% | 3.9% | 9.0% | 9.9% | 10.3% | 11.1% | 10.9% |
| ROE | 2.8% | 2.1% | 3.1% | 3.1% | 2.0% | 6.6% | 5.5% | 3.9% | 9.0% | 9.9% | 10.3% | 11.1% | 10.9% |
| ROA | 0.6% | 0.3% | 0.4% | 0.4% | 0.3% | 0.8% | 0.6% | 0.4% | 1.0% | 1.1% | 1.2% | 1.4% | 1.5% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 24M | 2.2M | 29M | 15M | 31M | 7.6M | -39M | 9.6M | 39M | -33M | 45M | 49M | 162M |
| Free Cash Flow | 22M | -2.7M | 28M | 12M | 28M | -11M | -57M | -18M | 30M | -48M | 29M | 43M | 158M |
| Owner Earnings | 20M | -3.0M | 23M | 9.8M | 26M | 2.5M | -47M | -2.0M | 28M | -44M | 32M | 36M | 149M |
| CapEx | 1.7M | 4.9M | 801K | 2.8M | 3.5M | 19M | 17M | 28M | 9.5M | 15M | 17M | 6.7M | 3.9M |
| Maint. CapEx | 2.4M | 3.8M | 4.0M | 3.8M | 3.8M | 4.2M | 5.9M | 9.5M | 9.3M | 9.1M | 12M | 11M | 11M |
| Growth CapEx | 0 | 1.2M | 0 | 0 | 0 | 14M | 12M | 18M | 161K | 5.7M | 5.1M | 0 | 0 |
| D&A | 2.4M | 3.8M | 4.0M | 3.8M | 3.8M | 4.2M | 5.9M | 9.5M | 9.3M | 9.1M | 12M | 11M | 11M |
| CapEx/OCF | 7.1% | 252.7% | 2.8% | 18.7% | 11.0% | 245.2% | N/A | 261.7% | 28.7% | N/A | 37.2% | N/A | 2.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 3.2M | 4.6M | 5.0M | 5.5M | 6.2M | 7.7M | 8.4M | 8.3M |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | 0.7% | 1.6% | 1.2% | 1.4% | 1.8% | 1.5% | N/A | 1.0% |
| Share Buybacks | 29M | 18M | 28M | 0 | 0 | 31M | 24M | 16M | 43M | 0 | 645K | 14M | 26M |
| Buyback Yield | N/A | 5.3% | 6.7% | N/A | N/A | 6.7% | 7.8% | 3.3% | 11.8% | N/A | 0.1% | 0.0% | 3.2% |
| Stock-Based Comp | 1.4M | 1.4M | 1.4M | 1.5M | 1.3M | 865K | 1.8M | 2.1M | 2.2M | 1.9M | 1.8M | 2.2M | 2.3M |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 498M | 60M | 25M | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -40M | -243M | -302M | -450M |
| Cash & Equiv. | 46M | 116M | 53M | 87M | 71M | 71M | 122M | 51M | 165M | 347M | 279M | 325M | 450M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 | N/A |
| Debt/Equity | 4.50 | 6.50 | 6.55 | 7.06 | 7.07 | 7.50 | 8.12 | 7.89 | 8.13 | 0.87 | 0.34 | 0.27 | 0.00 |
| Interest Coverage | 0.5 | 0.7 | 0.3 | 0.3 | 0.2 | 0.1 | 0.1 | 0.2 | 0.6 | 0.1 | 0.0 | 0.0 | 4.1 |
| Equity | 377M | 371M | 360M | 398M | 409M | 409M | 408M | 397M | 389M | 500M | 552M | 601M | 592M |
| Total Assets | 2.1B | 2.8B | 2.7B | 3.2B | 3.3B | 3.5B | 3.7B | 3.5B | 3.5B | 4.7B | 4.6B | 4.5B | 4.4B |
| Total Liabilities | 1.7B | 2.4B | 2.4B | 2.8B | 2.9B | 3.1B | 3.3B | 3.1B | 3.2B | 4.2B | 4.0B | 3.9B | 3.8B |
| Intangibles | N/A | 10M | 7.1M | 7.2M | 4.5M | 2.5M | 1.1M | 343K | 93K | 11M | 6.6M | 4.8M | 4.8M |
| Retained Earnings | 160M | 168M | 180M | 192M | 201M | 225M | 243M | 240M | 270M | 333M | 381M | 437M | 451M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 0 |
| Per Share Data | |||||||||||||
| EPS | 0.54 | 0.42 | 0.65 | 0.65 | 0.44 | 1.46 | 1.30 | 0.94 | 2.23 | 2.80 | 3.20 | 3.72 | 3.71 |
| Owner EPS | 1.05 | -0.16 | 1.35 | 0.54 | 1.41 | 0.14 | -2.69 | -0.12 | 1.74 | -2.78 | 1.89 | 2.11 | 8.87 |
| Book Value | 19.69 | 19.42 | 20.72 | 22.05 | 22.03 | 22.15 | 23.50 | 24.00 | 24.53 | 31.67 | 32.54 | 35.08 | 35.26 |
| Cash Flow/Share | 1.24 | 0.12 | 1.66 | 0.84 | 1.69 | 0.41 | -2.25 | 0.58 | 2.47 | -2.08 | 2.68 | 2.89 | 4.48 |
| Dividends/Share | N/A | N/A | N/A | 0.00 | 0.00 | 0.18 | 0.27 | 0.31 | 0.35 | 0.39 | 0.45 | 0.49 | 0.50 |
| Shares Out. | 19.2M | 19.1M | 17.4M | 18.0M | 18.6M | 18.5M | 17.4M | 16.5M | 15.8M | 15.8M | 17.0M | 17.1M | 16.8M |
| Valuation | |||||||||||||
| P/E Ratio | 27.3 | 43.6 | 36.3 | 36.0 | 53.7 | 16.8 | 13.8 | 31.5 | 10.3 | 9.5 | 10.4 | N/A | 13.1 |
| P/FCF | 12.8 | N/A | 14.6 | 34.3 | 15.8 | N/A | N/A | N/A | 12.3 | N/A | 19.8 | N/A | 5.2 |
| EV/EBIT | N/A | 171.2 | 307.1 | 255.1 | 275.5 | 175.0 | 171.0 | 184.9 | 134.7 | 23.9 | 83.2 | N/A | 89.7 |
| Price/Book | 0.7 | 0.9 | 1.2 | 1.1 | 1.1 | 1.1 | 0.8 | 1.2 | 0.9 | 0.9 | 1.0 | N/A | 1.4 |
| Price/Sales | 4.2 | 3.2 | 3.2 | 3.8 | 3.8 | 3.4 | 2.1 | 2.9 | 2.7 | 1.9 | 2.5 | N/A | 3.8 |
| FCF Yield | 7.8% | -0.8% | 6.8% | 2.9% | 6.3% | -2.4% | -18.0% | -3.7% | 8.1% | -11.2% | 5.0% | N/A | 19.4% |
| Market Cap | 282M | 350M | 415M | 426M | 442M | 457M | 314M | 494M | 367M | 425M | 573M | 0 | 818M |
| Avg. Price | 13.99 | 15.62 | 17.51 | 22.46 | 24.66 | 23.58 | 16.18 | 25.16 | 25.18 | 22.53 | 29.97 | 0.00 | 48.70 |
| Year-End Price | 14.74 | 18.31 | 23.57 | 23.39 | 23.64 | 24.58 | 17.92 | 29.63 | 22.93 | 26.68 | 33.43 | 0.00 | 48.70 |
HomeTrust Bancshares, Inc. passes 5 of 9 quality checks, suggesting mixed fundamentals.
HomeTrust Bancshares, Inc. trades at 13.5x trailing earnings, compared to its 15-year median P/E of 16.8x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 16.6x vs a median of 15.8x. The company's 5-year average ROIC is 8.8%. Total shareholder yield (dividends + buybacks) is 4.2%. At current prices, the estimated annualized return to fair value is +26.1%.
HomeTrust Bancshares, Inc. (HTB) reported annual revenue of $292 million in its most recent fiscal year, based on SEC EDGAR filings.
HomeTrust Bancshares, Inc. (HTB) has a net profit margin of 21.8%. This is a strong margin indicating high profitability.
HomeTrust Bancshares, Inc. (HTB) generated $43 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
HomeTrust Bancshares, Inc. (HTB) has a debt-to-equity ratio of 0.27. This indicates a conservatively financed balance sheet.
HomeTrust Bancshares, Inc. (HTB) reported earnings per share (EPS) of $3.72 in its most recent fiscal year.
HomeTrust Bancshares, Inc. (HTB) has a return on equity (ROE) of 11.1%. This indicates moderate shareholder returns.
The Ledger Terminal provides 16 years of financial data for HomeTrust Bancshares, Inc. (HTB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
HomeTrust Bancshares, Inc. (HTB) has a book value per share of $35.08, based on its most recent annual SEC filing.