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

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Camden National Corp. (Maine)

HomeTrust Bancshares, Inc.

Central Pacific Financial Corp.

Independent Bank Corp. (Michigan)

South Plains Financial, Inc. (Texas)

Flushing Financial Corp.

HarborOne Bancorp, Inc.

CNB Financial Corp. (Pennsylvania)

Washington Trust Bancorp, Inc.

Metropolitan Bank Holding Corp.

Luther Burbank Corp.

Why is HomeTrust Bancshares, Inc. ?

High Profitability with a Net Interest Margin of 9.30%

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

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 28.09%, its profits have fallen by -7.2%

Market Beating Performance

The stock has generated a return of 28.09% in the last 1 year, much higher than market (S&P 500) returns of 15.98%

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?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

HomeTrust Bancshares, Inc.

17.62%

2.34

25.49%

S&P 500

13.59%

0.81

19.85%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

13.81%

EBIT Growth (5y)

21.27%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

14.08%

Pledged Shares

Institutional Holding

61.80%

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

1.17

EV to EBIT

6.39

EV to EBITDA

4.92

EV to Capital Employed

1.40

EV to Sales

1.30

PEG Ratio

Dividend Yield

1.23%

ROCE (Latest)

21.91%

ROE (Latest)

9.50%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Bullish

Mildly Bearish

Dow Theory

No Trend

OBV

Mildly Bearish

Mildly Bullish

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

15What 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 (%)

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 periods

MOJO 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 periods

MOJO 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 periods

MOJO 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 periods

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

NII

Highest at USD 44.23 MM

in the last five periods

MOJO 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 years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

EPS

Highest at USD 0.99

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

CASA

Highest at 13.36%

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 0.81%

in the last four Semi-Annual periods

MOJO 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 periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents

Non Operating Income

Highest at USD 0.07 MM

in the last five periods

MOJO Watch

Increased income from non business activities may not be sustainable

Non Operating income