Hometrust Bancshares (HTB) Fundamental Analysis: Revenue, Earnings & Valuation

4.43 / 10

Netural

Fundamentally, HTB.N rates neutral with a 4.4/10 health score. Strengths include Profit‑MV, gross margin, cash‑MV and cash‑UP; weaknesses are PB‑ROE and Asset‑MV, suggesting modest profitability but valuation concerns.

Analysis Checks(7/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight6.84%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight6.83%

1M Return3.70%

Profit-MV

Value1.22

Score3/3

Weight16.13%

1M Return7.25%

Net income-Revenue

Value0.59

Score1/3

Weight11.34%

1M Return5.19%

PB-ROE

Value-0.90

Score1/3

Weight8.80%

1M Return4.22%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight6.84%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight6.83%

1M Return3.70%

Cash-UP

Value-0.15

Score2/3

Weight8.24%

1M Return4.32%

Asset-MV

Value-0.55

Score1/3

Weight13.84%

1M Return6.12%

Cash-MV

Value0.02

Score3/3

Weight14.31%

1M Return6.88%

Is HTB undervalued or overvalued?

HTB scores 4.43/10 on fundamentals and holds a Fair valuation at present. Backed by its 11.17% ROE, 30.21% net margin, 11.47 P/E ratio, 1.23 P/B ratio, and 16.82% earnings growth, these metrics solidify its Netural investment rating.