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Hometrust Bancshares (HTB)
NYSE:HTB
US Market
HTB
Hometrust Bancshares
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Hometrust Bancshares (HTB) Ratios

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Hometrust Bancshares Ratios

HTB's free cash flow for Q4 2025 was $0.71. For the 2025 fiscal year, HTB's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Jun 22Jun 21
Liquidity Ratios
Current Ratio
 0.00 0.06 0.17 0.17 0.20
Quick Ratio
 0.00 0.06 0.17 0.17 0.20
Cash Ratio
 0.00 <0.01 0.08 0.09 0.09
Solvency Ratio
 0.01 0.02 0.02 0.01 <0.01
Operating Cash Flow Ratio
 0.00 <0.01 0.01 -0.01 <0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.16 0.00 -0.21 0.08
Net Current Asset Value
$ -3.62B$ -3.77B$ -3.40B$ -3.49B$ -2.54B
Leverage Ratios
Debt-to-Assets Ratio
 0.00 0.04 <0.01 0.05 0.03
Debt-to-Equity Ratio
 0.00 0.29 0.02 0.45 0.29
Debt-to-Capital Ratio
 0.00 0.23 0.02 0.31 0.22
Long-Term Debt-to-Capital Ratio
 0.00 0.02 0.02 0.02 0.22
Financial Leverage Ratio
 7.40 7.57 8.33 9.78 8.89
Debt Service Coverage Ratio
 1.30 0.31 0.77 0.25 0.21
Interest Coverage Ratio
 1.07 1.02 0.75 1.92 1.24
Debt to Market Cap
 0.00 0.24 0.02 0.64 0.52
Interest Debt Per Share
 3.54 14.99 6.09 15.28 8.11
Net Debt to EBITDA
 -0.16 1.75 -3.42 -1.79 -5.29
Profitability Margins
Gross Profit Margin
70.79%70.48%65.95%79.13%94.82%
EBIT Margin
37.63%27.68%23.69%26.46%11.95%
EBITDA Margin
40.48%31.48%29.47%32.66%19.59%
Operating Profit Margin
28.51%27.68%23.69%26.46%11.95%
Pretax Profit Margin
28.51%27.68%23.69%26.46%11.95%
Net Profit Margin
22.72%22.01%18.57%20.64%9.81%
Continuous Operations Profit Margin
22.72%22.01%18.57%20.64%9.81%
Net Income Per EBT
79.69%79.51%78.39%78.03%82.09%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.14%1.42%1.19%0.97%0.44%
Return on Equity (ROE)
8.42%10.72%9.93%9.47%3.95%
Return on Capital Employed (ROCE)
1.43%4.62%8.57%7.09%3.35%
Return on Invested Capital (ROIC)
17.82%-2.66%6.71%4.43%2.29%
Return on Tangible Assets
1.15%1.43%1.20%0.98%0.45%
Earnings Yield
6.46%8.82%9.61%13.60%3.49%
Efficiency Ratios
Receivables Turnover
 14.99 18.31 1.60 1.38 1.08
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 3.53 4.64 4.22 2.95 2.25
Asset Turnover
 0.05 0.06 0.06 0.05 0.05
Working Capital Turnover Ratio
 -0.18 -0.10 -0.09 -0.08 -0.07
Cash Conversion Cycle
 24.36 19.93 228.00 265.27 338.72
Days of Sales Outstanding
 24.36 19.93 228.00 265.27 338.72
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 0.00
Operating Cycle
 24.36 19.93 228.00 265.27 338.72
Cash Flow Ratios
Operating Cash Flow Per Share
 2.98 1.57 2.66 -2.70 0.59
Free Cash Flow Per Share
 2.58 1.57 1.67 -3.64 -1.14
CapEx Per Share
 0.41 0.40 0.99 0.94 1.74
Free Cash Flow to Operating Cash Flow
 0.86 1.00 0.63 1.35 -1.92
Dividend Paid and CapEx Coverage Ratio
 3.28 1.76 1.84 -2.02 0.29
Capital Expenditure Coverage Ratio
 7.37 3.96 2.69 -2.87 0.34
Operating Cash Flow Coverage Ratio
 0.00 0.15 4.44 -0.20 0.08
Operating Cash Flow to Sales Ratio
 0.23 0.09 0.15 -0.20 0.06
Free Cash Flow Yield
5.47%3.65%4.95%-17.43%-4.10%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 14.85 11.33 10.41 7.35 28.62
Price-to-Sales (P/S) Ratio
 3.42 2.49 1.93 1.52 2.81
Price-to-Book (P/B) Ratio
 1.25 1.21 1.03 0.70 1.13
Price-to-Free Cash Flow (P/FCF) Ratio
 17.55 27.41 20.20 -5.74 -24.38
Price-to-Operating Cash Flow Ratio
 14.95 27.41 12.68 -7.74 46.93
Price-to-Earnings Growth (PEG) Ratio
 0.87 0.67 1.35 0.30 -1.04
Price-to-Fair Value
 1.25 1.21 1.03 0.70 1.13
Enterprise Value Multiple
 8.29 9.67 3.14 2.86 9.03
Enterprise Value
 767.54M 890.27M 272.63M 201.53M 282.87M
EV to EBITDA
 8.65 9.67 3.14 2.86 9.03
EV to Sales
 3.50 3.04 0.92 0.93 1.77
EV to Free Cash Flow
 17.94 33.45 9.66 -3.53 -15.37
EV to Operating Cash Flow
 15.51 33.45 6.06 -4.75 29.59
Tangible Book Value Per Share
 33.40 33.07 30.18 27.16 23.05
Shareholders’ Equity Per Share
 35.73 35.36 32.59 30.01 24.66
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.22 0.22 0.18
Revenue Per Share
 13.23 17.22 17.43 13.76 9.94
Net Income Per Share
 3.00 3.79 3.24 2.84 0.97
Tax Burden
 0.80 0.80 0.78 0.78 0.82
Interest Burden
 0.76 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.36 0.26 0.24 0.30 0.41
Stock-Based Compensation to Revenue
 <0.01 0.00 0.01 0.01 0.02
Income Quality
 0.63 0.41 0.82 -0.95 0.61
Currency in USD