HomeTrust Bancshares, Inc. (HTB) vs Shore Bancshares Inc (SHBI)

HomeTrust Bancshares, Inc. and Shore Bancshares Inc are both Banks Regional companies. HomeTrust Bancshares, Inc. and Shore Bancshares Inc are of similar size ($764.9M and $763.4M). Shore Bancshares Inc trades at the lower P/E: 11.6× against 12.0×. Shore Bancshares Inc grew revenue faster over the last twelve months: 2.79% against −1.99%. HomeTrust Bancshares, Inc. has the higher net margin (22.5% vs 19.2%) and the lower return on invested capital (10.5% vs 12.2%). Both pay a dividend; Shore Bancshares Inc yields more (4.34% vs 1.58%). Across the 20 metrics below, Shore Bancshares Inc leads on 13 and HomeTrust Bancshares, Inc. on 7.

Valuation

Metric HTB SHBI Banks Regional median
P/E 12.00 11.62 12.15
P/S 2.61 2.23 2.37
P/B 1.25 1.25 1.21
Price to free cash flow 7.79 8.91 10.80
EV/EBITDA n/m n/m —
EV/Sales 2.23 1.74 2.27
Earnings yield 8.34% 8.60% 8.11%
Free cash flow yield 12.83% 11.22% 8.98%

Profitability

Metric HTB SHBI Banks Regional median
Gross margin 74.97% 68.57% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.50% 19.15% 18.66%
Free cash flow margin 33.46% 24.99% 21.18%
Return on equity 11.02% 11.21% 10.64%
Return on assets 1.44% 1.09% 1.13%
Return on invested capital 10.48% 12.23% 8.33%

Growth

Metric HTB SHBI Banks Regional median
Revenue growth (TTM) (1.99%) 2.79% 6.61%
EPS growth (last fiscal year) 16.25% 34.85% —
Revenue growth, 5-year CAGR 11.91% 37.23% 12.30%
Net income growth, 5-year CAGR 23.30% 30.49% 9.71%

Health

Metric HTB SHBI Banks Regional median
Debt to equity 0.29 0.14 0.22
Current ratio 1.11 0.95 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HTB SHBI Banks Regional median
Dividend yield 1.58% 4.34% 3.75%
Payout ratio 0.14 0.33 0.27

Size

Metric HTB SHBI Banks Regional median
Market cap 763.38m 764.89m 921.07m

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