HomeTrust Bancshares, Inc. — Earnings Quality Grade F
HTB · Financial Services
Major red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 28 days, change -5 days YoY
AR growth -12.9% vs revenue growth 4.2%
Revenue 4.2%, CFFO 8.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -59.9% vs revenue 4.2%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO < Net Income for 3 consecutive years
Small-cap context: Small-cap CFFO/NI often diverges from working-capital swings, not necessarily manipulation.
FCF $0.0B, FCF/NI = 0.66
Accruals ratio = 0.3%. Low accruals
Cash $0.3B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 6% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -4% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor HTB continuously
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Altman Z-Score — Not Applicable
HomeTrust Bancshares, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25