HomeTrust Bancshares, Inc. (HTBI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

CNB Financial Corp. (Pennsylvania)

Metropolitan Bank Holding Corp.

Camden National Corp. (Maine)

HomeTrust Bancshares, Inc.

Washington Trust Bancorp, Inc.

HarborOne Bancorp, Inc.

South Plains Financial, Inc. (Texas)

Central Pacific Financial Corp.

Flushing Financial Corp.

Independent Bank Corp. (Michigan)

Luther Burbank Corp.

Why is HomeTrust Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 9.83%

Flat results in Mar 26

GROSS NPA (%)(Q) Highest at 1.32%
ROCE(HY) Lowest at 1.47%
CASH AND EQV(HY) Lowest at USD 28.91 MM

With ROA of 0.77%, it has a very attractive valuation with a 1.23 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 30.54%, its profits have risen by 17.3% ; the PEG ratio of the company is 0.7

High Institutional Holdings at 65.98%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 2.73% over the previous quarter.

Market Beating performance in long term as well as near term

Along with generating 30.54% returns in the last 1 year, the stock has outperformed S&P 500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How 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?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

HomeTrust Bancshares, Inc.

30.54%

3.12

23.77%

S&P 500

22.99%

1.78

12.93%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

15.48%

EBIT Growth (5y)

28.59%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

13.16%

Pledged Shares

Institutional Holding

65.98%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.23

EV to EBIT

5.57

EV to EBITDA

4.18

EV to Capital Employed

1.69

EV to Sales

1.30

PEG Ratio

0.65

Dividend Yield

1.46%

ROCE (Latest)

30.36%

ROE (Latest)

10.60%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bullish

OBV

Mildly Bullish

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company

ROCE(HY)

Highest at 1.47%

DIVIDEND PER SHARE(HY)

Highest at USD 0

OPERATING PROFIT MARGIN(Q)

Highest at 33.52 %

-7What is not working for the Company

GROSS NPA (%)

ROCE(HY)

Lowest at 1.47%

CASH AND EQV(HY)

Lowest at USD 28.91 MM

NET SALES(Q)

Lowest at USD 61.5 MM

Here's what is working for HomeTrust Bancshares, Inc.

Dividend per share

Highest at USD 0 and Grown

In each year in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Operating Profit Margin

Highest at 33.52 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

CASA

Highest at 14.4%

in the last five periods

MOJO 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 1.32% and Grown

In each half year in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Net Sales

Lowest at USD 61.5 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Cash and Eqv

Lowest at USD 28.91 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents