HomeTrust Bancshares, Inc.

HomeTrust Bancshares, Inc.

HTB · NYSE · Financial Services / Banks - Regional

47.28USD+0.06 (+0.13%)

Price History

Full chart

Market Stats

Previous Close47.22
Open47.12
Day Range46.70 – 47.39
52-Week Range37.82 – 52.34
Volume104.57K
Market Cap756.09M
P/E (TTM)11.85
Forward P/E11.34
EPS3.86
Dividend Yield1.33%
Beta0.78
50-Day Avg48.39
200-Day Avg45.80

About

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services in the United States. It's deposit products include savings, money market, noninterest-bearing, and interest-bearing checking accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises one-to-four-family real estate lending, multifamily, home equity lines of credit, construction and land development, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and land development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, and municipal leases, as well as cash management and online/mobile banking services. In addition, the company invests in debt securities issued by the United States government agencies and government-sponsored enterprises, municipal bonds, corporate bonds, commercial paper, and certificates of deposit insured by the federal deposit insurance corporation. Further it provides healthcare banking, designed to serve the distinct financial needs of healthcare practices and professionals; provides customized financial solutions and relationship-driven support for medical, dental, and veterinary practices throughout each stage of the business lifecycle, from acquisition and ownership transition to expansion and long-term operations. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. C. Hunter Westbrook
  • Employees585
  • Headquarters10 Woodfin Street, Asheville, NC, United States, 28801, USA
  • Websitehttps://www.htb.com

Leadership

  • Mr. C. Hunter WestbrookCEO, President & Vice Chairperson of the Board · b. 1963
  • Mr. Tony J. VunCannon CPAExecutive VP, CFO, Corporate Secretary & Treasurer · b. 1965
  • Ms. Megan PelletierExecutive VP, Chief Operations & People Officer · b. 1979
  • Ms. Kristin Y. PowellExecutive VP and Consumer & Business Banking Group Executive · b. 1977
  • Mr. John F. Sprink IIExecutive VP & Commercial Banking Group Executive · b. 1965
  • Mr. Charles F. Sivley Jr.Executive VP & Chief Technical Officer · b. 1966
  • Ms. Lora JexExecutive VP & Chief Risk Officer · b. 1980
  • Ms. Natasha DrozdakSenior VP & Director of Digital Strategy
  • Mr. Robert McCain IIISenior VP & Market President of Charlotte Metropolitan
  • Mr. Kevin M. NunleyExecutive VP & Chief Credit Officer · b. 1975

Financials

Income Statement

Currency: USD2010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Revenue78.26M79.21M73.38M69.83M68.37M97.65M101.50M114.86M136.08M159.72M166.59M159.87M155.31M216.08M265.82M295.07M292.47M
Growth (%)-+1.22%-7.37%-4.84%-2.08%+42.82%+3.94%+13.17%+18.48%+17.37%+4.30%-4.03%-2.85%+39.13%+23.02%+11.01%-0.88%
Cost of Revenue64.22M63.33M27.38M8.36M-868.00K5.54M6.04M8.24M16.07M36.08M40.65M8.28M4.75M45.10M80.14M100.49M86.34M
Gross Profit14.04M15.88M46.00M61.47M69.24M92.11M95.45M106.61M120.01M123.63M125.94M151.59M150.56M170.98M185.68M194.59M206.13M
Gross Margin17.94%20.05%62.69%88.03%101.27%94.33%94.05%92.82%88.19%77.41%75.60%94.82%96.94%79.13%69.85%65.95%70.48%
Operating Expense24.57M43.88M42.12M50.44M54.39M81.52M79.10M89.57M85.04M89.69M97.13M132.49M105.18M113.81M122.36M124.68M125.18M
Operating Income-10.54M-28.00M3.88M11.03M14.86M10.58M16.36M17.04M34.97M33.94M28.81M19.10M45.38M57.16M63.32M69.91M80.95M
Operating Margin-13.46%-35.35%5.29%15.79%21.73%10.84%16.12%14.83%25.70%21.25%17.29%11.95%29.22%26.46%23.82%23.69%27.68%
EBITDA-8.49M-25.98M5.97M13.19M16.12M12.10M19.31M17.02M35.48M33.38M33.59M31.31M57.18M70.57M79.36M86.95M92.07M
EBITDA Margin-10.85%-32.79%8.13%18.89%23.57%12.39%19.03%14.82%26.07%20.90%20.16%19.59%36.81%32.66%29.86%29.47%31.48%
Net Income7.04M-14.74M4.53M9.05M10.34M8.03M11.46M11.85M8.23M27.15M22.78M15.68M35.65M44.60M50.04M54.80M64.36M
Net Income Margin9.00%-18.60%6.17%12.97%15.13%8.22%11.29%10.31%6.05%17.00%13.68%9.81%22.96%20.64%18.83%18.57%22.01%
Interest Expense25.62M20.53M11.78M7.25M5.43M5.39M6.04M8.24M16.07M30.38M32.15M15.41M5.34M29.71M65.05M92.94M79.40M
Interest Expense % of Total Revenue32.73%25.92%16.05%10.39%7.94%5.52%5.95%7.18%11.81%19.02%19.30%9.64%3.44%13.75%24.47%31.50%27.15%

Balance Sheet

Currency: USD2010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Total Assets1.64B1.64B1.72B1.58B2.07B2.78B2.72B3.21B3.30B3.48B3.72B3.52B3.55B4.61B4.67B4.60B4.55B
Total Liabilities1.47B1.47B1.55B1.22B1.70B2.41B2.36B2.81B2.89B3.07B3.31B3.13B3.16B4.14B4.17B4.04B3.94B
Total Equity174.81M167.77M172.49M367.51M377.15M371.05M359.98M397.65M409.24M408.90M408.26M396.52M388.85M471.19M499.89M551.76M600.69M
Cash215.97M153.52M332.81M262.33M209.61M582.94M443.97M369.12M366.75M364.49M482.28M280.71M323.10M336.65M381.86M307.76M343.53M
Total Debt117.13M141.12M24.29M2.02M52.00M476.98M492.96M698.44M636.91M681.88M475.00M115.00M8.40M210.23M133.78M10.12M10.22M
Net Debt-98.84M-12.40M-308.52M-260.31M-157.61M-105.96M48.99M329.31M270.16M317.39M-7.28M-165.71M-323.10M-126.42M-248.08M-297.64M-333.31M

Cash Flow

Currency: USD2010-06-302011-06-302012-06-302013-06-302014-06-302015-06-302016-06-302017-06-302018-06-302019-06-302020-06-302021-06-302022-06-302023-06-302024-06-302025-06-302026-06-30
Operating Cash Flow23.21M32.71M19.87M23.93M23.76M2.21M28.92M15.12M31.32M7.63M-39.09M9.56M33.13M-42.40M29.51M44.97M49.49M
Investing Cash Flow54.59M-19.80M93.80M29.42M-15.10M-189.78M-11.11M-106.76M-134.02M-150.49M-127.91M149.50M34.84M-121.13M-19.04M21.28M110.06M
Financing Cash Flow66.00K-95.06M76.46M-152.44M-88.54M257.89M-81.38M126.03M86.46M143.16M217.57M-229.69M-13.84M361.91M33.17M-134.17M-114.08M
Capital Expenditure1.54M2.40M3.22M1.58M1.69M4.94M801.00K2.82M3.46M18.70M17.43M27.96M9.51M14.75M14.46M16.74M6.72M
Free Cash Flow21.67M30.31M16.65M22.35M22.07M-2.72M28.12M12.29M27.86M-11.07M-56.52M-18.40M23.62M-57.15M15.05M28.23M42.77M
Dividends Paid---------3.18M4.55M5.02M5.45M6.23M3.55M7.67M8.38M
FCF to OCF93.36%92.67%83.80%93.39%92.90%-122.99%97.23%81.34%88.96%-145.18%144.60%-192.50%71.30%134.80%51.01%62.78%86.43%
Dividend Paid to FCF----------28.68%-8.05%-27.27%23.08%-10.90%23.56%27.15%19.59%

Earnings

Report DateAug 29, 2012Oct 31, 2012Jan 29, 2013Apr 29, 2013Jul 29, 2013Oct 29, 2013Jan 28, 2014Apr 28, 2014Jul 28, 2014Oct 29, 2014Jan 29, 2015Apr 29, 2015Jul 27, 2015Oct 29, 2015Jan 29, 2016Apr 29, 2016Jul 29, 2016Oct 26, 2016Jan 26, 2017Apr 27, 2017Jul 26, 2017Oct 30, 2017Jan 29, 2018Apr 26, 2018Jul 26, 2018Oct 29, 2018Jan 29, 2019Apr 24, 2019Jul 25, 2019Oct 29, 2019Jan 29, 2020Apr 29, 2020Jul 27, 2020Oct 29, 2020Jan 28, 2021Apr 28, 2021Jul 29, 2021Oct 27, 2021Jan 27, 2022Apr 27, 2022Jul 27, 2022Oct 26, 2022Apr 26, 2023Jul 26, 2023Oct 25, 2023Jan 24, 2024Apr 24, 2024Jul 24, 2024Oct 24, 2024Jan 23, 2025Apr 24, 2025Jul 22, 2025Oct 22, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 28, 2026
EPS Estimate-0.150.130.140.100.100.150.120.130.160.180.180.140.140.150.150.170.170.230.230.270.270.310.330.360.400.430.410.410.420.420.360.150.140.250.360.250.470.560.530.540.54--0.790.710.730.730.770.750.760.770.870.860.820.890.90
EPS Actual0.070.060.110.130.150.170.150.160.150.180.200.120.160.170.140.180.210.250.170.270.250.300.380.340.360.410.430.160.440.490.520.070.220.350.570.480.500.650.680.510.390.600.410.890.880.790.880.730.760.970.841.000.950.930.990.94-
Surprise--60.00%-15.38%-7.14%50.00%70.00%0.00%33.33%15.38%12.50%11.11%-33.33%14.29%21.43%-6.67%20.00%23.53%47.06%-26.09%17.39%-7.41%11.11%22.58%3.03%0.00%2.50%0.00%-60.98%7.32%16.67%23.81%-80.56%46.67%150.00%128.00%33.33%100.00%38.30%21.43%-3.77%-27.78%11.11%--11.39%11.27%20.55%0.00%-1.30%29.33%10.53%29.87%9.20%8.14%20.73%5.62%-
Timing-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market--Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-

Key Statistics & Ratios

Market Cap756.09M
Enterprise Value655.58M
Trailing P/E11.85
Forward P/E11.34
Price / Sales3.60
Price / Book1.24
EPS3.86
Book Value36.24
Revenue (TTM)210.07M
Gross Profit (TTM)210.07M
Profit Margin30.95%
Operating Margin38.87%
Return on Equity11.02%
Return on Assets1.44%
Shares Outstanding16.53M
Shares Float13.90M
Beta0.78
Dividend Yield1.33%
Dividend Rate0.60
Payout Ratio14.70%

Analyst Ratings

Buy
Based on 5 analystsTarget 55.25
  • Strong Buy
    3
  • Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
63.81%
Insiders
10.41%
Retail / Other
25.78%

Top Institutional Holders

  • BlackRock Inc
    1.60M9.65%
  • Dimensional Fund Advisors, Inc.
    856.61K5.18%
  • FJ Capital Management LLC
    839.12K5.08%
  • Vanguard Capital Management, LLC
    682.91K4.13%
  • American Century Companies Inc
    556.44K3.37%
  • AllianceBernstein L.P.
    552.80K3.34%
  • Renaissance Technologies Corp
    466.21K2.82%
  • State Street Corp
    453.88K2.75%
  • Geode Capital Management, LLC
    352.76K2.13%
  • Private Capital Management, LLC
    248.34K1.50%
  • Royce & Associates, LP
    145.43K0.88%
  • The Goldman Sachs Group Inc
    138.20K0.84%
  • Acadian Asset Management LLC
    128.87K0.78%

Top Fund Holders

  • Avantis US Small Cap Value ETF
    500.02K3.02%
  • Vanguard MStar Total Stk Mkt Idx Invest
    480.12K2.90%
  • iShares Russell 2000 ETF
    384.81K2.33%
  • DFA US Small Cap Value I
    202.53K1.23%
  • Fidelity Small Cap Index
    165.22K1.00%
  • iShares Russell 2000 Value ETF
    152.02K0.92%
  • BlackRock Advantage Small Cap Core Instl
    145.60K0.88%

Dividends

20264×
0.15Nov 12, 20260.15Aug 13, 20260.15May 14, 20260.13Feb 18, 2026
20254×
0.13Nov 14, 20250.12Aug 14, 20250.12May 15, 20250.12Feb 13, 2025
20244×
0.12Nov 14, 20240.11Aug 15, 20240.11May 15, 20240.11Feb 14, 2024
20234×
0.11Nov 15, 20230.10Aug 16, 20230.10May 17, 20230.10Feb 15, 2023
20224×
0.10Nov 16, 20220.09Aug 17, 20220.09May 18, 20220.09Feb 16, 2022
20214×
0.09Nov 17, 20210.08Aug 18, 20210.08May 19, 20210.08Feb 17, 2021