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HomeTrust Bancshares, Inc. (HTB) vs Independent Bank Corp. (IBCP)

HomeTrust Bancshares, Inc. and Independent Bank Corp. are both Banks Regional companies. HomeTrust Bancshares, Inc. and Independent Bank Corp. are of similar size ($783.4M and $776.1M). Independent Bank Corp. trades at the lower P/E: 10.2× against 12.2×. Independent Bank Corp. grew revenue faster over the last twelve months: 0.86% against −1.99%. HomeTrust Bancshares, Inc. has the higher net margin (22.5% vs 22.3%) and the higher return on invested capital (10.5% vs 10.0%). Both pay a dividend; Independent Bank Corp. yields more (3.09% vs 1.19%). Across the 19 metrics below, HomeTrust Bancshares, Inc. leads on 13 and Independent Bank Corp. on 6.

Valuation

Metric HTB IBCP Banks Regional median
P/E 12.23 10.23 11.98
P/S 2.66 2.28 2.34
P/B 1.28 1.39 1.19
Price to free cash flow 7.94 19.24 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.18% 9.78% 8.23%
Free cash flow yield 12.59% 5.20% 9.08%

Profitability

Metric HTB IBCP Banks Regional median
Gross margin 74.97% 73.96% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.50% 22.32% 18.66%
Free cash flow margin 33.46% 11.86% 21.11%
Return on equity 11.02% 14.38% 10.65%
Return on assets 1.44% 1.29% 1.13%
Return on invested capital 10.48% 10.04% 8.35%

Growth

Metric HTB IBCP Banks Regional median
Revenue growth (TTM) (1.99%) 0.86% 6.98%
EPS growth (last fiscal year) 16.25% 3.48% 18.88%
Revenue growth, 5-year CAGR 11.91% 7.41% 12.38%
Net income growth, 5-year CAGR 23.30% 4.07% 9.71%

Health

Metric HTB IBCP Banks Regional median
Debt to equity 0.29 0.32 0.22
Current ratio 1.11 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HTB IBCP Banks Regional median
Dividend yield 1.19% 3.09% 2.57%
Payout ratio 0.15 0.32 0.30

Size

Metric HTB IBCP Banks Regional median
Market cap 776.06m 783.42m 913.33m

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