HTB vs PFS: stock comparison and AI forecast
Hometrust Bancshares, Inc. (HTB) and Provident Financial Services Inc (PFS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
HTB Hometrust Bancshares, Inc.
- Price
- $46.98 +2.1% · 6M
- Market Cap
- $784M
- P/E Ratio
- 42.7x
- Size
- small-cap
- AI Forecast
PFS Provident Financial Services Inc
- Price
- $22.96 +2.1% · 6M
- Market Cap
- $2.99B
- P/E Ratio
- 10.2x
- Size
- mid-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- PFS is 3.8 times larger than HTB by market capitalization ($2.99B against $784M).
- PFS trades at 10.2 times trailing earnings, HTB at 42.7 times.
- Over the last six months HTB returned +2.1% and PFS +2.1%.
- PFS turns 34.0% of its revenue into net income, against 29.1% for HTB.
- PFS carries 8.02 times debt per unit of equity, against 6.76 times for HTB.
- PFS yields 4.15% in dividends and HTB 3.79%.
- Both companies share the SEC industry classification Savings Institution, Federally Chartered.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | HTB | PFS |
|---|---|---|
| Market Cap | $784M | $2.99B |
| P/E Ratio | 42.72x | 10.16x |
| P/B Ratio | 1.38x | 1.05x |
| Dividend Yield | 3.79% | 4.15% |
| EPS | $1.10 | $2.26 |
| Book Value/Share | $34.15 | $21.96 |
| Revenue/Share | $3.51 | $7.00 |
| FCF/Share | $10.85 | $2.31 |
Profitability & Margins
| Metric | HTB | PFS |
|---|---|---|
| ROE | 3.0% | 10.8% |
| ROA | 0.4% | 1.2% |
| Net Margin | 29.1% | 34.0% |
| EBT Margin | 33.0% | 46.1% |
| Tax Rate | 11.7% | 26.4% |
Financial Health
| Metric | HTB | PFS |
|---|---|---|
| D/E Ratio | 6.76x | 8.02x |
| Financial Leverage | 7.76x | 9.02x |
Cash Flow
| Metric | HTB | PFS |
|---|---|---|
| Operating Cash Flow | $183M | $329M |
| Free Cash Flow | $181M | $302M |
| Capital Spending | -$2M | -$27M |
| OCF Growth YoY | 148.4% | -46.4% |
| FCF Growth YoY | 159.4% | -50.4% |
| FCF/Sales | 308.6% | 33.0% |
| CapEx/Sales | 3.8% | 3.0% |
Operational Efficiency
| Metric | HTB | PFS |
|---|---|---|
| Asset Turnover | 0.01x | 0.04x |
| Fixed Assets Turnover | 0.9x | 7.9x |
Income Statement
| Metric | HTB | PFS |
|---|---|---|
| Total Revenue | $59M | $913M |
| Net Income | $17M | $310M |
Dividend & Shareholder Information
| Metric | HTB | PFS |
|---|---|---|
| Dividends Per Share | $1.78 | $0.95 |
| Payout Ratio | 161.8% | 42.0% |
| Shares Outstanding | 17M | 130M |
| Net Income Growth | -16.9% | 21.0% |
| EPS Growth | -7.6% | 26.3% |
HTB vs PFS: stock comparison and AI forecast
Which is bigger, HTB or PFS?
PFS is 3.8 times larger than HTB by market capitalization ($2.99B against $784M).
Which is cheaper on earnings, HTB or PFS?
PFS trades at 10.2 times trailing earnings, HTB at 42.7 times.
Which stock performed better over the last six months, HTB or PFS?
Over the last six months HTB returned +2.1% and PFS +2.1%.
Which one does Intratio's AI model rank higher, HTB or PFS?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
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This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.