HomeTrust Bancshares (HTB)
Market Price (5/26/2026): $46.83 | Market Cap: $776.6 MilSector: Financials | Industry: Regional Banks
HomeTrust Bancshares (HTB)
Market Price (5/26/2026): $46.83Market Cap: $776.6 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.5%, FCF Yield is 11% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -58% Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 39% Low stock price volatilityVol 12M is 23% | Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% | Key risksHTB key risks include [1] financial vulnerability to interest rate fluctuations, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.7%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.5%, FCF Yield is 11% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -58% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 41%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 39% |
| Low stock price volatilityVol 12M is 23% |
| Trading close to highsDist 52W High is 0.0%, Dist 3Y High is 0.0% |
| Key risksHTB key risks include [1] financial vulnerability to interest rate fluctuations, Show more. |
Qualitative Assessment
AI Analysis | Feedback
1. HomeTrust Bancshares reported a strong earnings beat for the first quarter of 2026. The company posted diluted earnings per share (EPS) of $0.99, significantly exceeding the Zacks Consensus Estimate of $0.82 per share by 21.47%. Revenue for the quarter reached $54.34 million, surpassing the consensus estimate of $52.13 million by 4.24%. This marks the fourth consecutive quarter that HomeTrust Bancshares has surpassed consensus EPS estimates. Furthermore, the net interest margin expanded to a top-quartile 4.31% for the quarter ended March 31, 2026, up from 4.20% in the prior quarter.
2. The company announced a significant increase in its quarterly cash dividend. On April 23, 2026, HomeTrust Bancshares declared a quarterly cash dividend of $0.15 per common share, representing a 15.4% increase ($0.02) over the previous quarter's dividend of $0.13 per share. This marks the eighth dividend increase since the company began issuing cash dividends in November 2018, demonstrating a consistent commitment to shareholder returns.
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Stock Movement Drivers
Fundamental Drivers
The 9.3% change in HTB stock from 1/31/2026 to 5/25/2026 was primarily driven by a 4.1% change in the company's Net Income Margin (%).| (LTM values as of) | 1312026 | 5252026 | Change |
|---|---|---|---|
| Stock Price ($) | 42.85 | 46.83 | 9.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 209 | 215 | 2.4% |
| Net Income Margin (%) | 29.8% | 31.0% | 4.1% |
| P/E Multiple | 11.7 | 11.7 | 0.0% |
| Shares Outstanding (Mil) | 17 | 17 | 2.5% |
| Cumulative Contribution | 9.3% |
Market Drivers
1/31/2026 to 5/25/2026| Return | Correlation | |
|---|---|---|
| HTB | 9.3% | |
| Market (SPY) | 8.1% | 31.5% |
| Sector (XLF) | -2.3% | 53.0% |
Fundamental Drivers
The 20.3% change in HTB stock from 10/31/2025 to 5/25/2026 was primarily driven by a 8.2% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 5252026 | Change |
|---|---|---|---|
| Stock Price ($) | 38.94 | 46.83 | 20.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 206 | 215 | 4.2% |
| Net Income Margin (%) | 28.7% | 31.0% | 8.2% |
| P/E Multiple | 11.2 | 11.7 | 4.0% |
| Shares Outstanding (Mil) | 17 | 17 | 2.6% |
| Cumulative Contribution | 20.3% |
Market Drivers
10/31/2025 to 5/25/2026| Return | Correlation | |
|---|---|---|
| HTB | 20.3% | |
| Market (SPY) | 9.9% | 28.5% |
| Sector (XLF) | 0.0% | 52.0% |
Fundamental Drivers
The 39.4% change in HTB stock from 4/30/2025 to 5/25/2026 was primarily driven by a 14.8% change in the company's Net Income Margin (%).| (LTM values as of) | 4302025 | 5252026 | Change |
|---|---|---|---|
| Stock Price ($) | 33.61 | 46.83 | 39.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 203 | 215 | 5.8% |
| Net Income Margin (%) | 27.0% | 31.0% | 14.8% |
| P/E Multiple | 10.4 | 11.7 | 12.0% |
| Shares Outstanding (Mil) | 17 | 17 | 2.4% |
| Cumulative Contribution | 39.4% |
Market Drivers
4/30/2025 to 5/25/2026| Return | Correlation | |
|---|---|---|
| HTB | 39.4% | |
| Market (SPY) | 36.0% | 40.6% |
| Sector (XLF) | 8.2% | 59.9% |
Fundamental Drivers
The 135.4% change in HTB stock from 4/30/2023 to 5/25/2026 was primarily driven by a 44.0% change in the company's P/E Multiple.| (LTM values as of) | 4302023 | 5252026 | Change |
|---|---|---|---|
| Stock Price ($) | 19.89 | 46.83 | 135.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 161 | 215 | 33.0% |
| Net Income Margin (%) | 22.9% | 31.0% | 35.7% |
| P/E Multiple | 8.1 | 11.7 | 44.0% |
| Shares Outstanding (Mil) | 15 | 17 | -9.4% |
| Cumulative Contribution | 135.4% |
Market Drivers
4/30/2023 to 5/25/2026| Return | Correlation | |
|---|---|---|
| HTB | 135.4% | |
| Market (SPY) | 86.3% | 42.1% |
| Sector (XLF) | 64.4% | 59.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| HTB Return | 62% | -21% | 13% | 27% | 29% | 9% | 162% |
| Peers Return | 29% | -28% | 25% | 8% | 29% | -1% | 61% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 9% | 98% |
Monthly Win Rates [3] | |||||||
| HTB Win Rate | 75% | 25% | 50% | 58% | 67% | 80% | |
| Peers Win Rate | 44% | 50% | 56% | 50% | 65% | 54% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| HTB Max Drawdown | -13% | -32% | -38% | -18% | -16% | -8% | |
| Peers Max Drawdown | -22% | -39% | -36% | -25% | -24% | -23% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, AGBK, NU, FITB.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/22/2026 (YTD)
How Low Can It Go
| Event | HTB | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -15.3% | -18.8% |
| % Gain to Breakeven | 18.1% | 23.1% |
| Time to Breakeven | 80 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -16.6% | -9.5% |
| % Gain to Breakeven | 19.9% | 10.5% |
| Time to Breakeven | 36 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -34.3% | -6.7% |
| % Gain to Breakeven | 52.2% | 7.1% |
| Time to Breakeven | 224 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -30.3% | -24.5% |
| % Gain to Breakeven | 43.4% | 32.4% |
| Time to Breakeven | 639 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -53.6% | -33.7% |
| % Gain to Breakeven | 115.4% | 50.9% |
| Time to Breakeven | 402 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -15.5% | -19.2% |
| % Gain to Breakeven | 18.4% | 23.8% |
| Time to Breakeven | 892 days | 105 days |
In The Past
HomeTrust Bancshares's stock fell -15.3% during the 2025 US Tariff Shock. Such a loss loss requires a 18.1% gain to breakeven.
Preserve Wealth
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Asset Allocation
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| Event | HTB | S&P 500 |
|---|---|---|
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -34.3% | -6.7% |
| % Gain to Breakeven | 52.2% | 7.1% |
| Time to Breakeven | 224 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -30.3% | -24.5% |
| % Gain to Breakeven | 43.4% | 32.4% |
| Time to Breakeven | 639 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -53.6% | -33.7% |
| % Gain to Breakeven | 115.4% | 50.9% |
| Time to Breakeven | 402 days | 140 days |
In The Past
HomeTrust Bancshares's stock fell -15.3% during the 2025 US Tariff Shock. Such a loss loss requires a 18.1% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About HomeTrust Bancshares (HTB)
AI Analysis | Feedback
Here are 1-3 brief analogies to describe HomeTrust Bancshares (HTB):
- A community bank version of Bank of America for the Southeast.
- Truist Bank, but for smaller towns and counties in the Carolinas, Tennessee, and Virginia.
- The local banking solution, much like a neighborhood Chase Bank, for its Appalachian foothill markets.
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- Deposit Accounts: Offers various savings, money market, demand accounts, and certificates of deposit for individuals, businesses, and nonprofit organizations.
- Retail Consumer Loans: Provides financing for one-to-four-family real estate, home equity lines of credit, construction, land/lots, and indirect auto finance.
- Commercial Loans: Extends loans for commercial real estate, construction and development, and general commercial and industrial purposes.
- Specialty Lending: Includes Small Business Administration (SBA) loans, equipment finance leases, indirect automobile loans, and municipal leases.
- Cash Management Services: Offers services to help businesses efficiently manage their cash flow and financial operations.
- Online/Mobile Banking Services: Provides convenient digital platforms for customers to access and manage their accounts remotely.
AI Analysis | Feedback
HomeTrust Bancshares (HTB) operates as a community bank primarily serving individuals, businesses, and organizations within its operating regions (North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia). The company does not have a few major named corporate customers; instead, its customer base is diversified across different segments.
The major customer categories served by HomeTrust Bancshares include:
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Individuals: Customers seeking personal banking services, including savings, money market, and demand accounts, certificates of deposit, one-to-four-family real estate lending (mortgages), home equity lines of credit, construction and land/lots loans for personal use, indirect auto finance, and other consumer lending products.
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Businesses: Small to medium-sized enterprises (SMEs) and commercial clients requiring various services such as business deposit accounts (savings, money market, demand accounts, CDs), commercial real estate loans, construction and development loans, commercial and industrial loans, Small Business Administration (SBA) loans, equipment finance leases, and cash management services.
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Nonprofit Organizations and Municipal Entities: Organizations and local government entities seeking deposit products (savings, money market, demand accounts, CDs) and specialized financial services such as municipal leases.
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C. Hunter Westbrook
President and Chief Executive Officer
Mr. Westbrook is a 30-year banking veteran who assumed the role of Chief Executive Officer of HomeTrust Bancshares, Inc. in September 2022. Prior to joining HomeTrust in June 2012 as Senior Vice President and Chief Banking Officer, he served as President and CEO of two community banks. Mr. Westbrook also held various senior-level positions for nearly 20 years with TCF Bank and its parent, TCF Financial Corporation, and served as President and Chief Executive Officer of First Community Bancshares in Texas from 2006 to 2008. He earned his Master of Business Administration from the University of Minnesota's Carlson School of Management and holds a Bachelor of Science in Accounting and Business from West Virginia University.
Tony J. VunCannon
Executive Vice President, Chief Financial Officer, Corporate Secretary & Treasurer
Mr. VunCannon has served as Executive Vice President, Chief Financial Officer, and Treasurer of HomeTrust Bancshares since HomeTrust Bank's mutual-to-stock conversion and as Corporate Secretary since September 2017. He was previously employed by KPMG in Charlotte, North Carolina. His tenure at HomeTrust Bank dates back to April 1992, where he served as Controller before being promoted to Vice President and Treasurer, and later Executive Vice President, Chief Financial Officer, and Treasurer. Mr. VunCannon is a Certified Public Accountant (CPA).
Megan Pelletier
Executive Vice President, Chief Operations & People Officer
Ms. Pelletier joined HomeTrust Bancshares and HomeTrust Bank in May 2022 as Executive Vice President, Chief People Officer, and was promoted to Executive Vice President, Chief Operations & People Officer in July 2023. Her career spans 20 years in banking and financial services, encompassing both human resources and commercial banking roles. Before joining HomeTrust, she held several key positions at SouthState Bank, including Senior Vice President, Director of Talent Acquisition, and Director of Commercial Operations. She has also worked at CommunityOne Bank, SunTrust Bank (now Truist), and Wellington Management Company.
Kevin M. Nunley
Executive Vice President, Chief Credit Officer
Mr. Nunley became Executive Vice President and Chief Credit Officer of HomeTrust Bank in July 2024. He initially joined HomeTrust Bank in September 2020 as Senior Vice President and Director of Loan Review, subsequently being promoted to Director of Commercial Credit in June 2023. With 20 years of experience prior to HomeTrust, his background includes senior credit officer, portfolio management, and relationship manager roles at First Tennessee Bank, First Horizon Bank, Wachovia, and as a financial analyst at Bayer.
Charles F. Sivley, Jr.
Executive Vice President, Chief Technology Officer
Mr. Sivley joined HomeTrust Bancshares and HomeTrust Bank in June 2024 as Chief Technology Officer, bringing over 30 years of technology experience in various large organizations. Prior to HomeTrust, he served as Chief Information Officer at American National Bank, Highlands Union Bank, and First State Bank of the Southeast. He also has experience from Southern Company Services and the US Army Reserves.
AI Analysis | Feedback
The key risks for HomeTrust Bancshares (HTB) include:
- Commercial Real Estate (CRE) Concentration Risk: HomeTrust Bancshares has concentrations in commercial real estate that are significant enough to attract ongoing supervisory focus from regulators. This indicates a heightened level of exposure to potential downturns in the commercial real estate market and associated credit quality issues.
- Impact of Broader Banking Industry Issues: The company faces risks stemming from the potential impact of bank failures or adverse developments involving other financial institutions. Negative press or a decline in general sentiment about the banking industry could lead to reduced investor confidence and depositor withdrawals, affecting HomeTrust Bancshares' liquidity and funding.
- Forecasted Decline in Earnings: HomeTrust Bancshares' earnings are projected to decline over the next three years at an annual rate of 2.8%. This forecast suggests potential challenges to the company's profitability and future growth, which could stem from various factors such as interest rate fluctuations, increased competition, or economic slowdowns impacting loan demand and asset quality.
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The emergence of digital-only banks (neobanks) and financial technology companies (fintechs) represents a clear emerging threat. These agile competitors leverage technology to offer banking products and services, including deposit accounts and various loan types, with significantly lower overhead costs compared to traditional institutions like HomeTrust Bancshares, which operates 41 physical offices. By focusing on mobile-first experiences, streamlined onboarding, and often more competitive rates or lower fees, neobanks and fintechs can attract customers who prioritize digital convenience and may no longer see the value in a physical branch presence. This shift in consumer preference threatens to erode HomeTrust Bancshares' customer base, deposit funding, and loan origination volumes in its operating regions.
AI Analysis | Feedback
HomeTrust Bancshares, Inc. (HTB) offers a variety of banking products and services across North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. Here are the addressable market sizes for its main products and services:
Retail Consumer Loans
- One-to-four-family real estate lending (Mortgages): The U.S. mortgage market typically sees annual originations between $1.5 trillion and $2.3 trillion. In 2021, originations reached $4.43 trillion. Mortgage debt outstanding in the U.S. was estimated at $13.61 trillion at the end of 2022 and is projected to reach $14.783 trillion by the end of 2026. North America's mortgage loan market share was 30.2% of the global market in 2025.
- Home Equity Lines of Credit (HELOCs): The total HELOC debt nationwide in the U.S. grew to $359.9 billion in 2024. The average HELOC balance in the U.S. increased to $45,157 in 2024. Tappable home equity in the U.S. approached $12 trillion going into 2025. The global home equity lending market is projected to grow from USD 31.96 billion in 2025 to USD 40.23 billion by 2031.
- Indirect Auto Finance / Indirect Automobile Loans: The U.S. auto loan market was valued at approximately USD 178.64 billion in 2024 and is projected to reach USD 292.98 billion by 2032. New passenger vehicle loan originations in the U.S. increased to $485 billion in December 2023. The North American auto loan market generated revenue of USD 65.2 billion in 2023.
Commercial Loans
- Commercial Real Estate, Construction and Development, and Commercial and Industrial Loans (Commercial Lending): The U.S. commercial banking market size was valued at USD 229 billion in 2023 and is expected to reach USD 339 billion by 2032. Another estimate places the U.S. commercial banking market size at USD 226.44 billion in 2024, expected to reach USD 269.28 billion by 2029. In North Carolina, the Real Estate Loans & Collateralized Debt industry (which includes commercial real estate) is estimated at $6.4 billion in 2026. The global commercial banking market size was valued at USD 3.78 trillion in 2024.
Small Business Administration Loans
- Small Business Loans: The U.S. small business loan market was valued at $245.39 billion in 2023 and is projected to reach $349.64 billion by 2033. In North Carolina, reporting banks issued $13.7 billion in loans to businesses with revenues of $1 million or less in 2020.
Deposit Products
- Savings, Money Market, Demand Accounts, and Certificates of Deposit: The U.S. retail banking market, which encompasses deposit products, generated an estimated revenue of USD 454.3 billion in 2024 and is expected to reach USD 678.3 billion by 2033. The North America retail banking market accounted for approximately 25% of the global retail banking market in 2022. In North Carolina, total bank deposits from branches for 2025 show Bank of America with $333.2 billion, Truist Bank with $125.3 billion, and First-Citizens Bank & Trust Company with $85.4 billion.
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HomeTrust Bancshares (HTB) is expected to drive future revenue growth over the next 2-3 years through several key strategies:
- Enhanced Loan Growth: The company is strategically positioned to enhance its loan growth in 2026. This focus on expanding its loan portfolio, which includes various retail consumer loans and commercial loans, is supported by a resilient loan portfolio and a solid capital foundation.
- Growth in Non-Interest Income: HomeTrust Bancshares anticipates a 12% increase in non-interest income, primarily driven by expanded service offerings in treasury management and wealth management. This diversification aims to broaden revenue streams beyond traditional lending activities.
- Strategic Focus on Customer-Centric Initiatives and Digital Transformation: The company's leadership emphasizes a strategic focus on customer-centric initiatives. HomeTrust Bank is also investing approximately $25 million annually in innovation and technology to enhance commercial banking capabilities and improve the customer experience, which is expected to support future growth and market position.
- Maintenance of a Strong Net Interest Margin (NIM): While not a direct growth driver, the company's ability to maintain a robust net interest margin is crucial for revenue. HomeTrust Bancshares reported a leading net interest margin of 4.25% for fiscal year 2025 and saw an improvement to 4.37% in the second quarter of 2025, which contributes significantly to its strong financial performance and positive outlook. The company targets total revenue growth supported by a stabilized net interest margin.
- Strong Deposit Growth: Strong deposit growth is cited by the CEO as a key driver for future performance. A growing and stable deposit base provides a cost-effective source of funds for lending activities, directly supporting the expansion of the loan portfolio and overall revenue.
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Share Repurchases
- HomeTrust Bancshares completed a 5% stock repurchase program that commenced in March 2022, repurchasing a total of 806,000 shares of its common stock at an average price of $31.84 per share.
- The company's Board of Directors authorized a new repurchase program for up to an additional 870,000 shares of common stock, representing approximately 5% of the company's currently outstanding shares.
Share Issuance
- A shareholder filed to sell 2,000 shares of HomeTrust Bancshares common stock under Rule 144, acquired through a stock option exercise on February 4, 2026, with an aggregate market value of $88,840.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can HomeTrust Bancshares Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to HTB.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 04302026 | EEFT | Euronet Worldwide | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 04242026 | HOMB | Home BancShares | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | 1.5% | 1.5% | 0.0% |
| 03312026 | HBAN | Huntington Bancshares | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 7.1% | 7.1% | 0.0% |
| 03312026 | NP | Neptune Insurance | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 3.9% | 3.9% | 0.0% |
| 03272026 | JKHY | Jack Henry & Associates | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.3% | 0.3% | -4.0% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 21.09 |
| Mkt Cap | 0.9 |
| Rev LTM | 3,066 |
| Op Inc LTM | - |
| FCF LTM | 110 |
| FCF 3Y Avg | 24 |
| CFO LTM | 216 |
| CFO 3Y Avg | 37 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.9% |
| Rev Chg 3Y Avg | 10.4% |
| Rev Chg Q | 17.8% |
| QoQ Delta Rev Chg LTM | 4.1% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 16.5% |
| CFO/Rev 3Y Avg | 22.3% |
| FCF/Rev LTM | 11.2% |
| FCF/Rev 3Y Avg | 19.6% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.9 |
| P/S | 3.6 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 11.7 |
| P/CFO | 10.0 |
| Total Yield | 10.5% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | 3.3% |
| D/E | 0.3 |
| Net D/E | -0.5 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 1.1% |
| 3M Rtn | 2.5% |
| 6M Rtn | 18.1% |
| 12M Rtn | 33.5% |
| 3Y Rtn | 84.1% |
| 1M Excs Rtn | -5.8% |
| 3M Excs Rtn | -6.8% |
| 6M Excs Rtn | 7.7% |
| 12M Excs Rtn | 5.6% |
| 3Y Excs Rtn | 14.4% |
Price Behavior
| Market Price | $46.83 | |
| Market Cap ($ Bil) | 0.8 | |
| First Trading Date | 07/11/2012 | |
| Distance from 52W High | 0.0% | |
| 50 Days | 200 Days | |
| DMA Price | $44.41 | $42.21 |
| DMA Trend | up | up |
| Distance from DMA | 5.4% | 10.9% |
| 3M | 1YR | |
| Volatility | 21.7% | 23.4% |
| Downside Capture | 40.02 | 62.77 |
| Upside Capture | 63.57 | 77.74 |
| Correlation (SPY) | 32.7% | 38.4% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.39 | 0.35 | 0.44 | 0.48 | 0.78 | 0.85 |
| Up Beta | 0.37 | 0.30 | 0.30 | 0.60 | 0.89 | 0.86 |
| Down Beta | 0.52 | 0.23 | 0.33 | 0.53 | 0.71 | 0.78 |
| Up Capture | 51% | 57% | 65% | 52% | 74% | 84% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 13 | 24 | 34 | 63 | 130 | 374 |
| Down Capture | -9% | 20% | 37% | 30% | 73% | 93% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 9 | 18 | 28 | 59 | 118 | 371 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HTB | |
|---|---|---|---|---|
| HTB | 34.5% | 23.4% | 1.20 | - |
| Sector ETF (XLF) | 4.9% | 14.5% | 0.11 | 58.5% |
| Equity (SPY) | 29.5% | 12.0% | 1.86 | 38.2% |
| Gold (GLD) | 35.5% | 26.8% | 1.11 | -3.9% |
| Commodities (DBC) | 42.9% | 18.7% | 1.77 | -19.4% |
| Real Estate (VNQ) | 15.2% | 13.1% | 0.82 | 43.3% |
| Bitcoin (BTCUSD) | -31.3% | 41.8% | -0.78 | 18.0% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HTB | |
|---|---|---|---|---|
| HTB | 11.6% | 28.2% | 0.40 | - |
| Sector ETF (XLF) | 8.4% | 18.6% | 0.33 | 56.1% |
| Equity (SPY) | 14.0% | 17.0% | 0.64 | 41.0% |
| Gold (GLD) | 18.8% | 18.0% | 0.85 | -1.5% |
| Commodities (DBC) | 10.4% | 19.4% | 0.42 | 5.3% |
| Real Estate (VNQ) | 3.8% | 18.8% | 0.10 | 41.1% |
| Bitcoin (BTCUSD) | 11.6% | 55.3% | 0.41 | 14.5% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with HTB | |
|---|---|---|---|---|
| HTB | 11.2% | 31.6% | 0.41 | - |
| Sector ETF (XLF) | 12.9% | 22.1% | 0.53 | 61.5% |
| Equity (SPY) | 15.7% | 17.9% | 0.75 | 45.8% |
| Gold (GLD) | 13.0% | 16.0% | 0.67 | -4.3% |
| Commodities (DBC) | 7.8% | 17.9% | 0.35 | 15.4% |
| Real Estate (VNQ) | 5.5% | 20.7% | 0.23 | 45.4% |
| Bitcoin (BTCUSD) | 66.7% | 66.9% | 1.06 | 12.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 3.6% | 2.0% | 5.0% |
| 1/22/2026 | -2.4% | -7.3% | -2.9% |
| 10/22/2025 | 1.6% | 1.8% | -0.7% |
| 7/22/2025 | 3.6% | 4.4% | 0.8% |
| 4/24/2025 | -0.9% | -2.2% | 1.8% |
| 1/23/2025 | 4.1% | 9.2% | 6.3% |
| 10/24/2024 | -0.1% | -0.2% | 11.9% |
| 7/24/2024 | -4.2% | -1.6% | -4.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 15 | 14 | 16 |
| # Negative | 9 | 10 | 8 |
| Median Positive | 2.0% | 4.6% | 6.9% |
| Median Negative | -2.4% | -1.5% | -2.9% |
| Max Positive | 6.2% | 11.4% | 19.8% |
| Max Negative | -4.2% | -7.3% | -8.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/06/2026 | 10-Q |
| 12/31/2025 | 03/13/2026 | 10-K |
| 09/30/2025 | 11/06/2025 | 10-Q |
| 06/30/2025 | 08/08/2025 | 10-Q |
| 03/31/2025 | 05/08/2025 | 10-Q |
| 12/31/2024 | 03/13/2025 | 10-K |
| 09/30/2024 | 11/08/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 03/12/2024 | 10-KT |
| 09/30/2023 | 11/08/2023 | 10-Q |
| 06/30/2023 | 09/11/2023 | 10-K |
| 03/31/2023 | 05/09/2023 | 10-Q |
| 12/31/2022 | 02/07/2023 | 10-Q |
| 09/30/2022 | 11/09/2022 | 10-Q |
| 06/30/2022 | 09/12/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Westbrook, Hunter | President, CEO | Direct | Sell | 5072026 | 46.00 | 5,074 | 233,428 | 4,868,596 | Form |
| 2 | Westbrook, Hunter | President, CEO | Direct | Sell | 5072026 | 45.81 | 31,022 | 1,420,991 | 4,847,547 | Form |
| 3 | Westbrook, Hunter | President, CEO | Direct | Sell | 5042026 | 45.65 | 20,000 | 912,910 | 4,830,572 | Form |
| 4 | Sprink, John Francis II | EVP | Direct | Sell | 2062026 | 45.00 | 2,000 | 90,000 | 605,925 | Form |
| 5 | Powell, Kristin Y | EVP | Direct | Sell | 8252025 | 41.18 | 2,000 | 82,354 | 776,183 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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