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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 Q2 2026 was $0.76. For the 2026 fiscal year, HTB's free cash flow was decreased by $ and operating cash flow was $0.28. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Jun 22Jun 21
Liquidity Ratios
Current Ratio
 0.12 0.13 0.17 0.17 0.20
Quick Ratio
 0.12 0.13 0.17 0.17 0.20
Cash Ratio
 0.08 0.09 0.08 0.09 0.09
Solvency Ratio
 0.02 0.02 0.02 0.01 <0.01
Operating Cash Flow Ratio
 0.03 0.01 0.01 -0.01 <0.01
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 -0.21 0.08
Net Current Asset Value
$ -3.41B$ -3.45B$ -3.40B$ -3.49B$ -2.54B
Leverage Ratios
Debt-to-Assets Ratio
 0.04 <0.01 <0.01 0.05 0.03
Debt-to-Equity Ratio
 0.29 0.02 0.02 0.45 0.29
Debt-to-Capital Ratio
 0.23 0.02 0.02 0.31 0.22
Long-Term Debt-to-Capital Ratio
 0.23 0.02 0.02 0.02 0.22
Financial Leverage Ratio
 7.39 7.57 8.33 9.78 8.89
Debt Service Coverage Ratio
 1.34 0.95 0.77 0.25 0.21
Interest Coverage Ratio
 1.12 1.02 0.75 1.92 1.24
Debt to Market Cap
 0.21 0.01 0.02 0.64 0.52
Interest Debt Per Share
 15.04 5.28 6.09 15.28 8.11
Net Debt to EBITDA
 -0.86 -3.62 -3.42 -1.79 -5.29
Profitability Margins
Gross Profit Margin
73.00%70.48%65.95%79.13%94.82%
EBIT Margin
35.20%27.68%23.69%26.46%11.95%
EBITDA Margin
39.39%31.48%29.47%32.66%19.59%
Operating Profit Margin
28.25%27.68%23.69%26.46%11.95%
Pretax Profit Margin
28.25%27.68%23.69%26.46%11.95%
Net Profit Margin
22.58%22.01%18.57%20.64%9.81%
Continuous Operations Profit Margin
22.58%22.01%18.57%20.64%9.81%
Net Income Per EBT
79.95%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)
1.46%1.42%1.19%0.97%0.44%
Return on Equity (ROE)
10.88%10.72%9.93%9.47%3.95%
Return on Capital Employed (ROCE)
9.76%9.69%8.57%7.09%3.35%
Return on Invested Capital (ROIC)
7.80%7.70%6.71%4.43%2.29%
Return on Tangible Assets
1.48%1.43%1.20%0.98%0.45%
Earnings Yield
8.14%8.82%9.61%13.60%3.49%
Efficiency Ratios
Receivables Turnover
 19.81 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
 4.61 4.69 4.22 2.95 2.25
Asset Turnover
 0.06 0.06 0.06 0.05 0.05
Working Capital Turnover Ratio
 -0.09 -0.09 -0.09 -0.08 -0.07
Cash Conversion Cycle
 18.42 19.93 228.00 265.27 338.72
Days of Sales Outstanding
 18.42 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
 18.42 19.93 228.00 265.27 338.72
Cash Flow Ratios
Operating Cash Flow Per Share
 6.02 2.91 2.66 -2.70 0.59
Free Cash Flow Per Share
 5.77 2.52 1.67 -3.64 -1.14
CapEx Per Share
 0.24 0.40 0.99 0.94 1.74
Free Cash Flow to Operating Cash Flow
 0.96 0.86 0.63 1.35 -1.92
Dividend Paid and CapEx Coverage Ratio
 7.68 3.28 1.84 -2.02 0.29
Capital Expenditure Coverage Ratio
 24.94 7.37 2.69 -2.87 0.34
Operating Cash Flow Coverage Ratio
 0.57 4.84 4.44 -0.20 0.08
Operating Cash Flow to Sales Ratio
 0.34 0.17 0.15 -0.20 0.06
Free Cash Flow Yield
11.64%5.86%4.95%-17.43%-4.10%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.54 11.45 10.49 7.35 28.62
Price-to-Sales (P/S) Ratio
 2.83 2.49 1.93 1.52 2.81
Price-to-Book (P/B) Ratio
 1.33 1.21 1.03 0.70 1.13
Price-to-Free Cash Flow (P/FCF) Ratio
 8.59 17.05 20.20 -5.74 -24.38
Price-to-Operating Cash Flow Ratio
 8.07 14.74 12.68 -7.74 46.93
Price-to-Earnings Growth (PEG) Ratio
 1.03 0.68 1.36 0.30 -1.04
Price-to-Fair Value
 1.33 1.21 1.03 0.70 1.13
Enterprise Value Multiple
 6.33 4.30 3.14 2.86 9.03
Enterprise Value
 718.19M 396.15M 272.63M 201.53M 282.87M
EV to EBITDA
 6.33 4.30 3.14 2.86 9.03
EV to Sales
 2.49 1.35 0.92 0.93 1.77
EV to Free Cash Flow
 7.56 9.26 9.66 -3.53 -15.37
EV to Operating Cash Flow
 7.26 8.00 6.06 -4.75 29.59
Tangible Book Value Per Share
 34.19 33.07 30.18 27.16 23.05
Shareholders’ Equity Per Share
 36.52 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
 17.50 17.22 17.43 13.76 9.94
Net Income Per Share
 3.95 3.79 3.24 2.84 0.97
Tax Burden
 0.80 0.80 0.78 0.78 0.82
Interest Burden
 0.80 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 0.01 0.01 0.01 0.02
Income Quality
 1.24 0.77 0.82 -0.95 0.61
Currency in USD