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HomeTrust Bancshares, Inc. (HTB) vs VersaBank (VBNK)

HomeTrust Bancshares, Inc. and VersaBank are both Banks Regional companies. HomeTrust Bancshares, Inc. and VersaBank are of similar size ($742.9M and $724.9M). HomeTrust Bancshares, Inc. trades at the lower P/E: 11.7× against 30.2×. VersaBank grew revenue faster over the last twelve months: 14.5% against −2.48%. VersaBank has the higher net margin (9.94% vs 0.00%) and the higher return on invested capital (41.3% vs 0.00%). Both pay a dividend; HomeTrust Bancshares, Inc. yields more (1.19% vs 0.31%). Across the 18 metrics below, HomeTrust Bancshares, Inc. leads on 10 and VersaBank on 8.

Valuation

Metric HTB VBNK Banks Regional median
P/E 11.73 30.22 11.87
P/S 2.60 3.01 2.35
P/B 1.31 1.83 1.23
Price to free cash flow 7.71 105.27 10.45
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 8.53% 3.31% 8.34%
Free cash flow yield 12.96% 0.95% 9.37%

Profitability

Metric HTB VBNK Banks Regional median
Gross margin 76.03% 43.56% 69.92%
Operating margin 0.00% 0.00% 0.00%
Net margin 0.00% 9.94% 18.99%
Free cash flow margin 0.00% 2.86% 18.19%
Return on equity 0.00% 6.20% 10.45%
Return on assets 0.00% 0.55% 1.15%
Return on invested capital 0.00% 41.26% 8.54%

Growth

Metric HTB VBNK Banks Regional median
Revenue growth (TTM) (2.48%) 14.54% 6.56%
EPS growth (last fiscal year) 16.25% (41.28%) 18.85%
Revenue growth, 5-year CAGR 11.91% 27.64% 12.65%
Net income growth, 5-year CAGR 23.30% 9.64% 9.81%

Health

Metric HTB VBNK Banks Regional median
Debt to equity 0.00 0.00 0.14
Current ratio 0.00 1.11 0.92
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric HTB VBNK Banks Regional median
Dividend yield 1.19% 0.31% 2.51%
Payout ratio 0.14 0.09 0.30

Size

Metric HTB VBNK Banks Regional median
Market cap 742.89m 724.91m 915.17m

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