HomeTrust Bancshares [HTBI] vs U.S. Bancorp [USB] Detailed Stock Comparison

HomeTrust Bancshares Inc.

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: HomeTrust Bancshares Inc. wins in 4 metrics, U.S. Bancorp wins in 5 metrics, with 0 ties. U.S. Bancorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric HomeTrust Bancshares Inc. U.S. Bancorp Better
P/E Ratio (TTM) 11.42 11.92 HomeTrust Bancshares Inc.
Price-to-Book Ratio N/A 1.51 N/A
Debt-to-Equity Ratio 0.02 1.21 HomeTrust Bancshares Inc.
PEG Ratio N/A 0.82 N/A
Profit Margin (TTM) N/A 29.29% N/A
Operating Margin (TTM) N/A 37.84% N/A
EBITDA Margin (TTM) N/A 37.84% N/A
Return on Equity 9.83% 12.35% U.S. Bancorp
Return on Assets (TTM) N/A 1.14% N/A
Free Cash Flow (TTM) $28.23M $7.97B U.S. Bancorp
Dividend Yield 1.00% 3.82% U.S. Bancorp
1-Year Return 28.76% 25.83% HomeTrust Bancshares Inc.
Price-to-Sales Ratio (TTM) 4.01 3.32 U.S. Bancorp
Enterprise Value $513.55M $126.46B U.S. Bancorp
EV/Revenue Ratio 2.54 4.75 HomeTrust Bancshares Inc.
Revenue per Share (TTM) N/A $17 N/A
Earnings per Share (Diluted) N/A $4.77 N/A
Beta (Stock Volatility) N/A 1.03 N/A
Short % of Float N/A 0.00% N/A

HomeTrust Bancshares Inc. vs U.S. Bancorp Stock Performance Analysis

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HTBI
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
HomeTrust Bancshares Inc.-1.02%-0.77%2.02%8.50%12.44%8.52%
U.S. Bancorp-2.67%-1.12%-1.16%-0.05%9.90%1.24%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
HomeTrust Bancshares Inc.28.76%114.44%58.44%144.07%287.25%287.25%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: HomeTrust Bancshares Inc. vs U.S. Bancorp

MetricHTBIUSB
Market Information
Market Cap i$811.18M$88.06B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i72,5149,829,002
90 Day Avg. Volume i81,52310,401,007
Last Close$46.47$53.14
52 Week Range$34.66 - $47.64$42.55 - $61.19
% from 52W High-2.46%-13.16%
All-Time High$47.64 (Dec 15, 2025)$63.57 (Jan 10, 2022)
% from All-Time High-2.46%-16.41%
Growth Metrics
Quarterly Revenue Growth0.02%0.05%
Quarterly Earnings Growth0.02%0.14%
Financial Health
Profit Margin (TTM) iN/A0.29%
Operating Margin (TTM) iN/A0.38%
Return on Equity (TTM) i0.10%0.12%
Debt to Equity (MRQ) i0.021.21
Cash & Liquidity
Book Value per Share (MRQ)N/A$37.54
Cash per Share (MRQ)N/A$31.14
Operating Cash Flow (TTM) i$44.08M$6.04B
Levered Free Cash Flow (TTM) i$54.26M$7.19B
Dividends
Last 12-Month Dividend Yield i1.00%3.82%
Last 12-Month Dividend i$0.35$2.04

Valuation & Enterprise Metrics Analysis: HomeTrust Bancshares Inc. vs U.S. Bancorp

MetricHTBI (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i11.4211.92
Forward P/E i12.4310.09
PEG Ratio iN/A0.82
Price to Sales (TTM) i4.013.32
Price to Book (MRQ) iN/A1.51
Market Capitalization
Market Capitalization i$811.18M$88.06B
Enterprise Value i$513.55M$126.46B
Enterprise Value Metrics
Enterprise to Revenue i2.544.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta iN/A1.03
Book Value per Share (MRQ) iN/A$37.54

Financial Statements Comparison: HomeTrust Bancshares Inc. vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricHTBI (2024)USB (2025)
Revenue/Sales i202.13M28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i69.91M9.52B
Pre-Tax Income % of Revenue i34.6%33.3%
Income Tax i15.11M1.92B
Income Tax % of Revenue i7.5%6.7%
Net Income (Profit) i54.81M7.60B
Profit Margin i27.1%26.6%

Balance Sheet & Liquidity Metrics

MetricHTBI (2024)USB (2025)
Cash & Equivalents i307.76M46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i10.12M60.76B
Long-Term Debt % of Revenue i5.0%212.9%
Total Shareholders Equity i551.76M65.65B
Retained Earnings i380.54M80.91B
Retained Earnings % of Revenue i188.3%283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricHTBI (2024)USB (2025)
Operating Cash Flow i44.08M6.04B
Operating Cash Flow % of Revenue i21.8%21.2%
Capital Expenditures i-16.74MN/A
Free Cash Flow i28.23M7.97B
FCF Margin i14.0%27.9%
Debt Repayment i0-9.05B
Common Stock Repurchase i-1.01M-489.00M

Short Interest & Institutional Ownership Analysis

MetricHTBIUSB
Shares Short iN/A27,002
Short Ratio iN/A0.00
Short % of Float iN/A0.00%
Shares Outstanding i17.53M1.56B
Float Shares iN/A1.55B
% Held by Insiders iN/A0.14%
% Held by Institutions iN/A83.55%
% Held by Public iN/A16.31%

Dividend Analysis & Yield Comparison: HomeTrust Bancshares Inc. vs U.S. Bancorp

MetricHTBIUSB
Last 12-Month Dividend i$0.35$2.04
Last 12-Month Dividend Yield i1.00%3.82%
3-Year Avg Annual Dividend i$0.39$1.98
3-Year Avg Dividend Yield i0.39%1.19%
3-Year Total Dividends i$1.17$5.95
Ex-Dividend DateFeb 13, 2025Dec 31, 2025