DDM Analysis: HTB

Valuation Snapshot

Stable Growth	$118.50 - $603.66	$212.52
Multi-Stage	$70.29 - $76.91	$73.54
Blended Fair Value	$143.03
Current Price	$40.94
Upside	249.37%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2023	2022	2021	2020	2019	2018	2017	2016
DPS	10.98%	0.00%	0.45	0.21	0.36	0.32	0.29	0.27	0.19	0.00	0.00	0.00
YoY Growth	-	-	116.10%	-43.06%	14.25%	8.65%	10.24%	43.32%	0.00%	0.00%	0.00%	0.00%
Dividend Yield	-	-	1.31%	0.79%	1.68%	1.44%	1.05%	1.96%	0.71%	0.00%	0.00%	0.00%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	62.45
(-) Cash Dividends Paid (M)	7.85
(=) Cash Retained (M)	54.60

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	12.49	7.81	4.68
Cash Retained (M)	54.60	54.60	54.60
(-) Cash Required (M)	-12.49	-7.81	-4.68
(=) Excess Retained (M)	42.11	46.79	49.92
(/) Shares Outstanding (M)	17.10	17.10	17.10
(=) Excess Retained per Share	2.46	2.74	2.92
LTM Dividend per Share	0.46	0.46	0.46
(+) Excess Retained per Share	2.46	2.74	2.92
(=) Adjusted Dividend	2.92	3.20	3.38
WACC / Discount Rate	8.10%	8.10%	8.10%
Growth Rate	5.50%	6.50%	7.50%
Fair Value	$118.50	$212.52	$603.66
Upside / Downside	189.44%	419.10%	1,374.51%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	62.45	66.51	70.83	75.43	80.34	85.56	88.13
Payout Ratio	12.57%	28.06%	43.54%	59.03%	74.51%	90.00%	92.50%
Projected Dividends (M)	7.85	18.66	30.84	44.53	59.86	77.00	81.52

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	8.10%	8.10%	8.10%
Growth Rate	5.50%	6.50%	7.50%
Year 1 PV (M)	17.10	17.26	17.42
Year 2 PV (M)	25.90	26.39	26.89
Year 3 PV (M)	34.26	35.25	36.25
Year 4 PV (M)	42.21	43.84	45.50
Year 5 PV (M)	49.76	52.16	54.66
PV of Terminal Value (M)	1,032.48	1,082.35	1,134.13
Equity Value (M)	1,201.71	1,257.25	1,314.85
Shares Outstanding (M)	17.10	17.10	17.10
Fair Value	$70.29	$73.54	$76.91
Upside / Downside	71.70%	79.63%	87.86%

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HomeTrust Bancshares, Inc. (HTB)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

High-Yield Dividend Screener