HomeTrust Bancshares Financials

HTBI Stock  USD 38.27  0.59  1.57%   
Based on the key indicators related to HomeTrust Bancshares' liquidity, profitability, solvency, and operating efficiency, HomeTrust Bancshares is doing better financially today then in previous quarter. It has a moderate probability of reporting better financial numbers in December. As of now, HomeTrust Bancshares' Common Stock Shares Outstanding is decreasing as compared to previous years. The HomeTrust Bancshares' current Non Current Liabilities Total is estimated to increase to about 570.6 M, while Total Assets are projected to decrease to under 3.1 B. Key indicators impacting HomeTrust Bancshares' financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.250.24
Sufficiently Up
Slightly volatile
Return On Assets0.010.0095
Sufficiently Up
Slightly volatile
Return On Equity0.09380.0894
Sufficiently Up
Slightly volatile
Debt Equity Ratio0.780.41
Way Up
Pretty Stable
Operating Income87.4 M83.2 M
Sufficiently Up
Slightly volatile
Current Ratio2.152.26
Notably Down
Pretty Stable
The financial analysis of HomeTrust Bancshares is a critical element in measuring its lifeblood. Investors should not minimize HomeTrust Bancshares' ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

59.94 Million

  
Understanding current and past HomeTrust Bancshares Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of HomeTrust Bancshares' financial statements are interrelated, with each one affecting the others. For example, an increase in HomeTrust Bancshares' assets may result in an increase in income on the income statement.

HomeTrust Bancshares Stock Summary

HomeTrust Bancshares competes with First Northwest, Community West, First Financial, Great Southern, and First Capital. HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina. Hometrust Bancshares operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 493 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS4378721041
CUSIP437872104
LocationNorth Carolina; U.S.A
Business Address10 Woodfin Street,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.htb.com
Phone828 259 3939
CurrencyUSD - US Dollar

HomeTrust Bancshares Key Financial Ratios

HomeTrust Bancshares Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets3.7B3.5B3.5B4.7B5.4B3.1B
Other Liab47.4M57.7M60.6M57.1M51.4M46.8M
Net Debt297.7M23.9M(120.3M)(126.4M)(145.4M)(138.1M)
Retained Earnings242.8M240.1M270.3M333.4M383.4M219.2M
Accounts Payable2.3B2.8B3.0B(2.8B)(2.5B)(2.4B)
Cash177.3M91.1M128.7M336.6M303.0M161.2M
Other Assets2.8B2.8B4.0B360.6M414.7M394.0M
Long Term Debt1.9M475M115M467.2M537.3M564.2M
Net Receivables12.3M7.9M8.6M14.8M17.1M10.2M
Inventory(494.9M)(288.8M)200K(351.5M)(316.3M)(300.5M)
Total Liab475M115M3.2B4.1B4.8B5.0B
Total Current Assets317.2M255.5M3.1B503.4M578.9M550.0M
Short Term Debt1.4M116.5M1.6M200.3M180.2M199.4M
Other Current Liab1.8B2.3B2.8B(200.3M)(230.3M)(218.8M)
Net Tangible Assets380.8M381.5M370.5M363.1M417.6M383.6M
Capital Surpluse190.3M169.6M160.6M126.1M145.0M195.9M
Other Current Assets494.9M288.8M2.9B351.5M404.2M384.0M

HomeTrust Bancshares Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense32.2M15.4M5.3M29.7M34.2M17.2M
Total Revenue133.9M143.2M150.0M186.4M214.3M114.3M
Gross Profit133.9M143.2M150.0M186.4M214.3M114.3M
Operating Income28.8M19.1M62.3M72.4M83.2M87.4M
Ebit26.3M9.6M47.6M(13.4M)(15.4M)(14.6M)
Ebitda33.6M19.8M57.2M(628K)(722.2K)(686.1K)
Income Before Tax28.8M19.1M45.4M63.3M72.8M76.5M
Net Income22.8M15.7M35.7M49.6M57.1M59.9M
Income Tax Expense6.0M3.4M9.7M13.3M15.3M16.0M
Tax Provision6.0M3.4M9.7M12.6M14.4M9.5M
Net Interest Income104.1M103.3M110.8M157.4M181.0M114.4M
Interest Income136.3M118.7M116.1M187.1M215.2M132.6M

HomeTrust Bancshares Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash50.6M(70.6M)54.1M198.4M228.1M239.5M
Free Cash Flow(59.0M)(22.6M)25.3M(57.1M)(51.4M)(48.9M)
Depreciation1.9M9.2M11.8M13.4M15.4M16.2M
Other Non Cash Items(66.9M)(30.2M)(20.9M)(97.9M)(88.1M)(83.7M)
Capital Expenditures16.9M25.3M9.5M14.8M17.0M17.8M
Net Income22.8M15.7M35.7M44.6M51.3M53.9M
End Period Cash Flow121.6M51.0M105.1M303.5M349.0M366.5M
Investments(107.1M)115.7M(48.8M)(121.1M)(109.0M)(114.5M)
Net Borrowings(205M)(382.7M)(115M)432.5M389.3M408.7M
Dividends Paid4.6M5.0M5.5M6.2M7.2M7.5M
Change To Netincome(59.3M)(23.4M)(6.8M)(92.3M)(83.1M)(79.0M)

HomeTrust Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining HomeTrust Bancshares's current stock value. Our valuation model uses many indicators to compare HomeTrust Bancshares value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across HomeTrust Bancshares competition to find correlations between indicators driving HomeTrust Bancshares's intrinsic value. More Info.
HomeTrust Bancshares is rated # 2 in return on equity category among its peers. It is one of the top stocks in return on asset category among its peers reporting about  0.11  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for HomeTrust Bancshares is roughly  9.17 . As of now, HomeTrust Bancshares' Return On Equity is increasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the HomeTrust Bancshares' earnings, one of the primary drivers of an investment's value.

HomeTrust Bancshares Systematic Risk

HomeTrust Bancshares' systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. HomeTrust Bancshares volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on HomeTrust Bancshares correlated with the market. If Beta is less than 0 HomeTrust Bancshares generally moves in the opposite direction as compared to the market. If HomeTrust Bancshares Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one HomeTrust Bancshares is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of HomeTrust Bancshares is generally in the same direction as the market. If Beta > 1 HomeTrust Bancshares moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in HomeTrust Bancshares Stock are looking for potential investment opportunities by analyzing not only static indicators but also various HomeTrust Bancshares' growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of HomeTrust Bancshares growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.25

As of now, HomeTrust Bancshares' Price Earnings To Growth Ratio is decreasing as compared to previous years.

HomeTrust Bancshares November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of HomeTrust Bancshares help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of HomeTrust Bancshares. We use our internally-developed statistical techniques to arrive at the intrinsic value of HomeTrust Bancshares based on widely used predictive technical indicators. In general, we focus on analyzing HomeTrust Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build HomeTrust Bancshares's daily price indicators and compare them against related drivers.

Complementary Tools for HomeTrust Stock analysis

When running HomeTrust Bancshares' price analysis, check to measure HomeTrust Bancshares' market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy HomeTrust Bancshares is operating at the current time. Most of HomeTrust Bancshares' value examination focuses on studying past and present price action to predict the probability of HomeTrust Bancshares' future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move HomeTrust Bancshares' price. Additionally, you may evaluate how the addition of HomeTrust Bancshares to your portfolios can decrease your overall portfolio volatility.
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