Financial Institutions, Inc. (FISI) vs HomeTrust Bancshares, Inc. (HTB)
Financial Institutions, Inc. and HomeTrust Bancshares, Inc. are both Banks Regional companies. Financial Institutions, Inc. and HomeTrust Bancshares, Inc. are of similar size ($788.6M and $763.4M). Financial Institutions, Inc. trades at the lower P/E: 9.8× against 12.0×. Financial Institutions, Inc. grew revenue faster over the last twelve months: 46.3% against −1.99%. HomeTrust Bancshares, Inc. has the higher net margin (22.5% vs 21.4%) and the higher return on invested capital (10.5% vs 10.0%). Both pay a dividend; Financial Institutions, Inc. yields more (6.57% vs 1.58%). Across the 20 metrics below, Financial Institutions, Inc. leads on 10 and HomeTrust Bancshares, Inc. on 10.
Valuation
Profitability
| Metric | FISI | HTB | Banks Regional median |
|---|---|---|---|
| Gross margin | 67.21% | 74.97% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | 21.40% | 22.50% | 18.66% |
| Free cash flow margin | 14.85% | 33.46% | 21.18% |
| Return on equity | 13.41% | 11.02% | 10.64% |
| Return on assets | 1.30% | 1.44% | 1.13% |
| Return on invested capital | 10.00% | 10.48% | 8.33% |
Growth
Health
Dividend
Size
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