Home Trust Bancshares, Inc. - Understand $htbi stock

$HTBI Market Cap: $647.6 Million

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$195.4M

TTM

Gross Margin

Net Earnings

$68.68M

TTM

Current Assets

Current Liabilities

$9.917M

Q3 2024

Current Ratio

Total Assets

$4.637B

Q3 2024

Total Liabilities

$4.097B

Q3 2024

Book Value

$540.0M

Q3 2024

Cash

$293.5M

Q3 2024

P/E

9.429

Nov 29, 2024 EST

Free Cash Flow

$41.49M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue	$187.1M	$116.1M	$118.7M	$136.3M	$137.2M	$117.4M	$99.44M	$87.75M	$85.16M	$60.28M	$60.39M
YoY Change	61.16%	-2.21%	-12.86%	-0.7%	16.88%	18.07%	13.32%	3.04%	41.27%	-0.18%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Revenue	$187.1M	$116.1M	$118.7M	$136.3M	$137.2M	$117.4M	$99.44M	$87.75M	$85.16M	$60.28M	$60.39M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$9.063M	$9.348M	$9.499M	$5.856M	$4.243M	$3.810M	$3.816M	$4.035M	$3.776M	$2.369M	$2.287M	$2.280M	$2.200M	$2.120M	$1.840M
YoY Change	-3.05%	-1.59%	62.21%	38.02%	11.36%	-0.16%	-5.43%	6.86%	59.39%	3.59%	0.31%	3.64%	3.77%	15.22%	0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Interest Expense	$29.71M	$5.340M	$15.41M	$32.15M	$30.38M	$16.07M	$8.245M	$6.040M	$5.390M	$5.432M	$7.255M
YoY Change	456.39%	-65.35%	-52.07%	5.82%	89.04%	94.93%	36.51%	12.06%	-0.77%	-25.13%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Pretax Income	$57.16M	$45.38M	$19.10M	$28.81M	$33.94M	$34.97M	$17.04M	$16.36M	$10.58M	$14.86M	$11.03M	$3.900M	-$28.00M	-$10.50M	$2.200M
YoY Change	25.97%	137.63%	-33.71%	-15.12%	-2.96%	105.24%	4.17%	54.56%	-28.76%	34.7%	182.77%	-113.93%	166.67%	-577.27%	-81.36%
Income Tax	$12.56M	$9.725M	$3.421M	$6.024M	$6.791M	$26.74M	$5.192M	$4.901M	$2.558M	$4.513M	$1.975M	-$600.0K	-$13.30M	-$17.60M	-$1.200M
% Of Pretax Income	21.97%	21.43%	17.91%	20.91%	20.01%	76.45%	30.47%	29.96%	24.17%	30.38%	17.91%	-15.38%			-54.55%
Net Earnings	$44.60M	$35.65M	$15.68M	$22.78M	$27.15M	$8.235M	$11.85M	$11.46M	$8.025M	$10.34M	$9.053M	$4.500M	-$14.70M	$7.000M	$3.400M
YoY Change	25.11%	127.45%	-31.2%	-16.07%	229.64%	-30.49%	3.41%	42.75%	-22.4%	14.24%	101.18%	-130.61%	-310.0%	105.88%	-69.37%
Net Earnings / Revenue	23.84%	30.71%	13.2%	16.72%	19.78%	7.01%	11.91%	13.06%	9.42%	17.16%	14.99%
Basic Earnings Per Share	$2.82	$2.27	$0.96	$1.34	$1.52	$0.45	$0.66	$0.65	$0.42	$0.54	$0.45
Diluted Earnings Per Share	$2.80	$2.23	$0.94	$1.30	$1.46	$0.44	$0.65	$0.65	$0.42	$0.54	$0.45	$0.45

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$82.85M	$76.99M	$78.50M	$65.10M	$61.10M	$62.50M	$63.60M	$54.20M	$57.50M	$47.20M	$22.40M	$23.10M	$22.40M	$21.40M	$21.40M
YoY Change	7.6%	-1.92%	20.58%	6.55%	-2.24%	-1.73%	17.34%	-5.74%	21.82%	110.71%	-3.03%	3.13%	4.67%	0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets	$10.91M	$11.49M	$16.90M	$16.30M	$26.50M	$32.60M	$57.40M	$54.20M	$59.50M	$58.60M	$47.40M	$48.90M	$48.50M	$34.00M	$34.00M
YoY Change	-5.01%	-32.03%	3.68%	-38.49%	-18.71%	-43.21%	5.9%	-8.91%	1.54%	23.63%	-3.07%	0.82%	42.65%	0.0%
Total Long-Term Assets
YoY Change
Total Assets	$4.607B	$3.549B	$3.525B	$3.723B	$3.476B	$3.304B	$3.207B	$2.718B	$2.783B	$2.075B	$1.583B	$1.720B	$1.638B	$1.641B	$1.641B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses	$10.79M	$6.641M	$5.900M	$4.600M	$4.600M
YoY Change	62.48%	12.56%	28.26%	0.0%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$10.79M	$6.641M	$5.900M	$4.600M	$4.600M
YoY Change	62.48%	12.56%	28.26%	0.0%
Long-Term Debt	$9.971M	$1.763M	$1.800M	$1.800M	$1.900M	$1.900M	$1.900M	$2.000M	$2.000M	$2.000M	$2.000M	$2.000M	$2.000M	$2.000M	$2.000M
YoY Change	465.57%	-2.06%	0.0%	-5.26%	0.0%	0.0%	-5.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
Other Long-Term Liabilities	$57.11M	$52.19M	$49.90M	$47.40M	$58.10M	$61.80M	$62.00M	$62.00M	$63.00M	$62.30M	$59.00M	$57.10M	$58.00M	$52.50M	$52.50M
YoY Change	9.42%	4.6%	5.27%	-18.42%	-5.99%	-0.32%	0.0%	-1.59%	1.12%	5.59%	3.33%	-1.55%	10.48%	0.0%
Total Long-Term Liabilities	$67.08M	$53.96M	$51.70M	$49.20M	$60.00M	$63.70M	$63.90M	$64.00M	$65.00M	$64.30M	$61.00M	$59.10M	$60.00M	$54.50M	$54.50M
YoY Change	24.32%	4.37%	5.08%	-18.0%	-5.81%	-0.31%	-0.16%	-1.54%	1.09%	5.41%	3.21%	-1.5%	10.09%	0.0%
Total Liabilities	$4.136B	$3.160B	$3.128B	$3.315B	$3.067B	$2.895B	$2.809B	$2.358B	$2.412B	$1.697B	$1.216B	$1.548B	$1.470B	$1.466B	$1.466B
YoY Change	30.88%	1.03%	-5.62%	8.06%	5.96%	3.06%	19.14%	-2.26%	42.11%	39.6%	-21.44%	5.29%	0.25%	0.0%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Basic Shares Outstanding	15.70M shares	15.52M shares	16.08M shares	16.73M shares	17.69M shares	18.03M shares	17.38M shares	17.42M shares	19.04M shares	18.63M shares	19.92M shares
Diluted Shares Outstanding	15.78M shares	15.81M shares	16.50M shares	17.29M shares	18.39M shares	18.73M shares	17.96M shares	17.61M shares	19.12M shares	18.72M shares	19.94M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $647.56 Million

About HomeTrust Bancshares, Inc.

HomeTrust Bancshares, Inc. operates as a bank holding company, which engages in the business of planning, directing, and coordinating business activities of HomeTrust Bank. The company is headquartered in Asheville, North Carolina and currently employs 541 full-time employees. The company went IPO on 2011-12-27. The Bank is a state-chartered, community-focused financial institution committed to providing value-added relationship banking with over 30 locations, as well as online/mobile channels. Its principal business consists of attracting deposits from the general public and investing those funds, along with borrowed funds, in commercial real estate loans, construction and development loans, commercial and industrial loans, equipment finance leases, municipal leases, loans secured by first and second mortgages on one-to-four family residences, including home equity loans and other consumer loans. The company also originates one-to-four family loans, SBA loans and HELOCs to sell to third parties. The company invests in debt securities issued by United States Government agencies and GSEs, municipal bonds, corporate bonds, commercial paper and certificates of deposit insured by the Federal Deposit Insurance Corporation.

Industry: Savings Institution, Federally Chartered Peers: Carter Bankshares, Inc. CITIZENS & NORTHERN CORP ENTERPRISE BANCORP INC /MA/ John Marshall Bancorp, Inc. MVB FINANCIAL CORP PNC FINANCIAL SERVICES GROUP, INC. Professional Holding Corp. RED RIVER BANCSHARES INC SHORE BANCSHARES INC SOUTHERN BANCSHARES NC INC