HomeTrust Bancshares
Financial ratios & Valuation

Forward Multiples (2026 – 2026)

2026
Price/Earnings ratio
12.56
Price/Sales ratio
2.59
Earnings per Share (EPS)
$3.13

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
28.4039.7628.1235.7961.6216.3111.7428.6110.877.0210.6016.31
Price/Sales ratio
4.663.453.404.004.223.421.993.132.581.872.093.42
Price/Book Value ratio
0.770.850.891.061.241.080.651.130.990.691.061.08
Price/Cash Flow ratio
12.36119.9011.2228.0516.1957.82-6.36162.7611.14-8.226.1457.82
Price/Free Cash Flow ratio
13.31-140.1911.5234.4918.20-40.12-4.53-19.8815.33-6.0915.6815.68
Price/Earnings Growth ratio
1.42-1.780.5123.26-2.030.07-0.99-1.010.080.233.87-2.03
Dividend Yield
N/AN/AN/AN/AN/A0.71%1.70%1.11%1.40%1.78%1.32%1.32%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
32.23%17.31%23.65%23.86%42.53%49.73%21.51%13.33%41.51%36.12%12.42%49.73%
Pretax Profit Margin
23.60%11.47%17.27%16.08%29.13%26.24%21.51%13.33%30.25%33.97%24.19%26.24%
Net Profit Margin
16.43%8.69%12.10%11.18%6.86%20.98%17.01%10.94%23.77%26.63%19.05%6.86%
Effective Tax Rate
30.38%24.17%29.96%30.47%76.45%20.01%20.91%17.91%21.43%20.96%21.24%21.24%
Return on Assets
0.49%0.28%0.42%0.36%0.24%0.78%0.61%0.44%1.00%1.07%1.16%0.24%
Return On Equity
2.74%2.16%3.18%2.97%2.01%6.63%5.58%3.95%9.16%9.93%10.41%2.01%
Return on Capital Employed
0.97%0.57%2.07%1.36%2.77%3.15%1.53%1.65%1.76%1.52%0.75%3.15%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/A0.09N/AN/AN/AN/AN/A
Quick Ratio
N/AN/A1.332.011.900.440.430.22271.633.22N/A0.44
Cash ratio
N/AN/A0.130.160.090.080.090.0311.201.73N/A0.08
Days of Sales Outstanding
39.3529.7528.5430.1728.4129.7233.5620.2120.86307.56226.5728.41
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A226.57N/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A226.57N/A
Debt Ratios
Debt Ratio
N/A0.17N/A0.210.190.190.120.03N/A0.040.020.19
Debt Equity Ratio
N/A1.28N/A1.751.551.661.160.29N/A0.450.211.66
Long-term Debt to Capitalization
N/A0.56N/A0.630.600.620.530.22N/A0.050.010.62
Total Debt to Capitalization
N/A0.56N/A0.630.600.620.530.22N/A0.310.170.62
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.67N/A
Cash Flow to Debt Ratio
N/A0.00N/A0.020.040.01-0.080.02N/A-0.180.800.04
Company Equity Multiplier
5.507.507.548.068.078.509.118.889.129.218.588.07
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.370.020.300.140.260.05-0.310.010.23-0.220.320.26
Free Cash Flow / Operating Cash Flow Ratio
0.92-0.850.970.810.88-1.441.40-8.180.721.340.400.40
Cash Flow Coverage Ratio
N/A0.00N/A0.020.040.01-0.080.02N/A-0.180.800.04
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/A-0.210.87N/A
Dividend Payout Ratio
N/AN/AN/AN/AN/A11.69%19.97%32.01%15.29%12.54%13.83%11.69%