ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is HomeTrust Bancshares, Inc. ?
1
High Profitability with a Net Interest Margin of 9.30%
2
Flat results in Jun 25
- ROCE(HY) Lowest at 1.26%
- GROSS NPA (%)(Q) Highest at 0.81%
- CASH AND EQV(HY) Lowest at USD 30.96 MM
3
With ROA of 0.65%, it has a fair valuation with a 1.17 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 8.60%, its profits have fallen by -7.2%
4
High Institutional Holdings at 60.07%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.79% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to HomeTrust Bancshares, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is HomeTrust Bancshares, Inc. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
HomeTrust Bancshares, Inc.
14.14%
2.03
25.70%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
13.81%
EBIT Growth (5y)
21.27%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
14.08%
Pledged Shares
0
Institutional Holding
60.07%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
1.17
EV to EBIT
6.39
EV to EBITDA
4.92
EV to Capital Employed
1.40
EV to Sales
1.30
PEG Ratio
NA
Dividend Yield
1.23%
ROCE (Latest)
21.91%
ROE (Latest)
9.50%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend15What is working for the Company
ROCE(HY)
Highest at 1.26%
DIVIDEND PER SHARE(HY)
Highest at USD 0
OPERATING PROFIT(Q)
Highest at USD 20.35 MM
OPERATING PROFIT MARGIN(Q)
Highest at 31.98 %
PRE-TAX PROFIT(Q)
Highest at USD 21.83 MM
NET PROFIT(Q)
Highest at USD 17.02 MM
NII(Q)
Highest at USD 44.23 MM
EPS(Q)
Highest at USD 0.99
-5What is not working for the Company
ROCE(HY)
Lowest at 1.26%
GROSS NPA (%)
(Q
CASH AND EQV(HY)
Lowest at USD 30.96 MM
Here's what is working for HomeTrust Bancshares, Inc.
Operating Profit
Highest at USD 20.35 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 31.98 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 21.83 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 17.02 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
NII
Highest at USD 44.23 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
EPS
Highest at USD 0.99
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
CASA
Highest at 13.36%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.
CAR (%)
Here's what is not working for HomeTrust Bancshares, Inc.
Non Performing Loans (%)
Highest at 0.81%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are increasing
Non Performing Loans (%)
Cash and Eqv
Lowest at USD 30.96 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Non Operating Income
Highest at USD 0.07 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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