HomeTrust Bancshares, Inc.

$ 36.55 0.00 %

HomeTrust Bancshares, Inc. functions as the parent entity for HomeTrust Bank, delivering a broad spectrum of financial offerings for both individual customers and commercial enterprises. The institution provides various deposit solutions, such as savings, money market, and checking accounts, along with certificates of deposit, catering to individuals, businesses, and non-profit groups. Its extensive lending portfolio encompasses retail consumer credit, including mortgages for single to four-unit residential properties, home equity lines of credit, financing for construction and land purchases, indirect vehicle loans, and other personal borrowing options. For its commercial clients, HomeTrust Bank extends credit for commercial real estate ventures, development projects, and general commercial and industrial needs. Additionally, the company offers specialized financial services like Small Business Administration (SBA) loans, equipment leasing arrangements, further indirect automobile financing, and municipal leases. Clients also benefit from contemporary banking conveniences such as cash management services and robust online and mobile banking platforms. As of mid-2021, HomeTrust Bancshares, Inc. operated 41 branches spread across North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. The company, founded in 1926, maintains its primary corporate office in Asheville, North Carolina.

CEO: C. Hunter Westbrook - https://www.htb.com

Price objectif

$42 14.91 %

Recommandation

Hold

DCF

$ 0.00

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HTBI vs S&P500

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Quick ratio

0.05

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

11.42

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

3.20

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

11.25 %

reflects reasonable profitability, showing good use of equity.

ROIC

-2.04 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

-

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

0.17

indicates that the company uses more equity than debt, suggesting prudent management.

Free cash flow per share

5.08

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

12.76 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
5 indicates moderate financial health
Altman score
0.35 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.00 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.02 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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