Profitability
Weight: 25%
B+
78
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 58.7%
- Efficiency Ratio Trend -2.35 pp/yr
HTB
HomeTrust Bancshares, Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
C
56
- 5yr Avg ROE 9.9%
- 5yr Share-Count CAGR 0.8%
Growth Quality
Weight: 15%
A
87
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 14.4%
- Efficiency Ratio Trend (growth quality check) -2.35 pp/yr
- Revenue-Growth Years (5) 3/5
Cash Generation
Weight: 15%
F
11
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.11
Balance Sheet
Weight: 20%
A
90
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 13.2%
Stability
Weight: 10%
D+
40
- EPS Volatility (σ/μ) 0.63
- Negative-Revenue Years (5) 2/5
- Piotroski F-Score 5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.Not held by any curated guru.