Hometrust Bancshares (HTB) AI Stock Analysis

• Market Cap: $736.14M
• Dividend Yield: 1.12%
• Average Volume (3M): 65.94K
• Price to Earnings (P/E): 11.3
• Beta (1Y): 0.92
• Revenue Growth: 0.21%
• EPS Growth: 14.54%
• Country: US
• Employees: 539
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.93
• Shares Outstanding: 17,444,033
• 10 Day Avg. Volume: 52,461
• 30 Day Avg. Volume: 65,945
• PEG Ratio: 0.63
• Price to Book (P/B): 1.21
• Price to Sales (P/S): 2.49
• P/FCF Ratio: 27.41
• Enterprise Value/Market Cap: 1.22
• Enterprise Value/Revenue: 3.08
• Enterprise Value/Gross Profit: 4.38
• Enterprise Value/Ebitda: 8.05
• 1Y Price Target: $49.00
• Price Target Upside: 16.11% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): 3.47
• Revenue Forecast (FY): $214.14M

• Rating: 62 Neutral
• Price Target: $45.00 ▲(6.64% Upside)
• Action: Reiterated Date: 03/14/26
• Date: Action: Reiterated 03/14/26

The score is driven primarily by solid profitability/ROE but constrained by volatile and weakening cash flow and slightly softer revenue momentum. Valuation is supportive with a low P/E, while technical indicators point to softer near-term momentum. A positive corporate update (dividend raise and buybacks) adds a modest lift.

Positive Factors

Profitability & margins

Sustained net margin near 21% and a mid-teens ROE band provide a durable earnings base that supports internal capital formation, dividend capacity and loan loss absorption. Strong operating profitability helps the bank fund growth and cushions cyclical credit stress over months.

2025 results & shareholder returns

Improved full-year earnings, a raised dividend and renewed repurchase program signal management discipline on capital allocation. Persistent shareholder distributions indicate confidence in earnings sustainability and strengthen investor alignment, enhancing long-term access to capital and credibility.

Adequate capitalization

An adequate capital base with growing equity supports lending capacity and regulatory resilience. For a regional bank, rising equity provides a buffer for credit volatility, enables measured balance-sheet expansion, and lowers probability of forced capital actions over coming quarters.

Negative Factors

Sharp revenue decline

A near‑term 27% TTM revenue fall undermines sustainable top‑line momentum, constraining net interest income growth and fee diversification. Persistent revenue weakness reduces operating leverage, limits reinvestment potential, and raises execution risk for medium‑term earnings recovery.

Free cash flow volatility

A roughly 52% drop in FCF and uneven historical cash generation weaken the bank's ability to consistently fund dividends, buybacks, or organic growth without drawing on capital or external funding. Volatile FCF raises sensitivity to loan losses or funding shocks.

Rising leverage

An uptick in debt‑to‑equity to ~0.39 from very low levels reduces financial flexibility and raises interest‑rate and funding sensitivity. For a regional bank, higher leverage can tighten regulatory scrutiny and limit capacity to expand loans or absorb credit deterioration over the next several quarters.

Hometrust Bancshares Business Overview & Revenue Model

Company Description

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. Its deposit products include savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises retail consumer loans, such as one-to-four-family real estate lending, home equity lines of credit, construction and land/lots, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services. As of June 30, 2021, the company operated 41 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

How the Company Makes Money

HomeTrust Bancshares primarily makes money through its banking subsidiary by earning net interest income and generating fee-based (noninterest) income. (1) Net interest income: The core revenue engine is the spread between interest earned on interest-earning assets—mainly loans to commercial and retail customers and interest income from investment securities—and interest paid on funding sources such as customer deposits and other borrowings. Profitability in this stream is driven by loan growth and mix, yields earned on loans and securities, funding costs and the composition of deposits (e.g., noninterest-bearing vs. interest-bearing), and overall interest-rate conditions that affect the company’s net interest margin. (2) Noninterest income: The company also earns revenue from banking fees and service charges associated with deposit accounts and customer services (e.g., account/service fees and other transactional or service-related charges). Additional noninterest income can come from other bank-related sources reported by the company (e.g., gains/losses on certain asset sales or valuation changes), but specific itemization beyond broad categories is null. (3) Other contributing factors: Earnings are influenced by credit performance (provision for credit losses and charge-offs), operating efficiency (personnel, occupancy, technology, and other noninterest expenses), and the balance-sheet strategy between loan originations and investment securities. Information on any significant external partnerships that materially drive revenue is null.

Hometrust Bancshares Financial Statement Overview

Summary

Profitability and returns are solid (net margin improved to 22.0% in 2025; ROE ~10.7%), but quality is held back by cooling revenue momentum (2025 revenue -3.5%) and notably volatile cash generation with a sharp 2025 drop in operating cash flow and a 45.3% free-cash-flow decline.

Income Statement

Profitability is solid for the industry, with net margin improving from 18.6% (2024) to 22.0% (2025) and EBIT margin rising to 27.7% (2025). Net income has grown steadily from 2020 through 2025, indicating improved earnings power over the cycle. The main weakness is growth consistency: revenue fell slightly in 2025 (-3.5%) after a strong 2024 (+11.0%) and a surge in 2023, suggesting momentum has cooled and results may be more rate-cycle sensitive.

Balance Sheet

Capital generation looks healthy with return on equity around ~10% in 2024–2025 (10.7% in 2025), and equity has expanded meaningfully over the period. Leverage appears moderate in the latest year (debt-to-equity 0.29 in 2025), but the debt profile is volatile across periods (very low in 2024, higher in 2023 and 2025, and notably high in 2020), which introduces uncertainty around funding strategy and balance sheet mix. Overall assets are broadly stable, implying the story is more about profitability and capital management than balance-sheet expansion.

Cash Flow

Cash generation is inconsistent. Operating cash flow is positive in 2024–2025, but it dropped sharply in 2025 (to $26.6M) and free cash flow declined materially (down 45.3% in 2025). Prior years show meaningful volatility including negative operating and free cash flow in 2020 and 2023, which reduces confidence in cash earnings stability. While free cash flow matches net income in 2025 (1.0x), the multi-year swing profile is the key weakness.

Breakdown	Dec 2025	Dec 2024	Jun 2022	Jun 2021	Jun 2021
Income Statement
Total Revenue	292.47M	295.07M	216.08M	155.31M	159.87M
Gross Profit	206.13M	194.59M	170.98M	150.56M	151.59M
EBITDA	80.95M	86.95M	70.57M	57.18M	31.31M
Net Income	64.36M	54.80M	44.60M	35.65M	15.68M
Balance Sheet
Total Assets	4.55B	4.60B	4.61B	3.55B	3.52B
Cash, Cash Equivalents and Short-Term Investments	156.95M	459.77M	488.57M	450.07M	437.17M
Total Debt	175.22M	10.12M	210.23M	0.00	115.00M
Total Liabilities	3.94B	4.04B	4.14B	3.16B	3.13B
Stockholders Equity	600.69M	551.76M	471.19M	388.85M	396.52M
Cash Flow
Free Cash Flow	26.61M	28.23M	-57.15M	23.62M	-18.40M
Operating Cash Flow	26.61M	44.97M	-42.40M	33.13M	9.56M
Investing Cash Flow	2.53M	21.28M	-121.13M	34.84M	149.50M
Financing Cash Flow	-21.87M	-134.17M	361.91M	-13.84M	-229.69M

Hometrust Bancshares Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 42.20
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HTB, the sentiment is Negative. The current price of 42.2 is below the 20-day moving average (MA) of 42.90, below the 50-day MA of 43.23, and above the 200-day MA of 40.59, indicating a neutral trend. The MACD of -0.37 indicates Positive momentum. The RSI at 42.79 is Neutral, neither overbought nor oversold. The STOCH value of 48.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for HTB.

Hometrust Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CCBG	73 Outperform	$724.51M	11.80	11.55%	2.33%	9.43%	17.64%
HAFC	71 Outperform	$758.97M	9.45	9.85%	3.82%	3.34%	15.52%
MBWM	70 Outperform	$862.27M	8.81	13.79%	3.05%	5.64%	6.24%
MCBS	69 Neutral	$816.13M	9.71	15.62%	3.55%	-0.23%	10.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CCNE	64 Neutral	$804.00M	9.76	8.88%	2.68%	11.13%	-15.28%
HTB	62 Neutral	$736.14M	11.33	10.88%	1.12%	0.21%	14.54%

Hometrust Bancshares Corporate Events

HomeTrust Bancshares Adopts 2026 Executive Incentive Plan

On February 9, 2026, HomeTrust Bancshares, Inc. set targeted cash incentive opportunities for its senior leadership team for the year ending December 31, 2026, tying President and CEO C. Hunter Westbrook’s incentive to 50% of base salary and setting 40% targets for four other executive vice presidents. The company structured performance measures so that Westbrook, CFO Tony J. VunCannon, and COO/Chief People Officer Megan Pelletier are evaluated entirely on adjusted pretax, pre-provision income, while Consumer and Business Banking head Kristin Y. Powell and Commercial Banking head John F. Sprink, II are judged half on that bank-wide metric and half on their respective division profitability, underscoring a focus on earnings quality and business-line accountability in executive pay for 2026.

The most recent analyst rating on (HTB) stock is a Buy with a $46.00 price target. To see the full list of analyst forecasts on Hometrust Bancshares stock, see the HTB Stock Forecast page.

HomeTrust Bancshares Reports Strong 2025 Results, Raises Dividend

On January 22, 2026, HomeTrust Bancshares reported preliminary financial results for the fourth quarter and full year ended December 31, 2025, showing slightly lower quarterly net income of $16.1 million and diluted EPS of $0.93 versus the prior quarter, as well as modest declines in net interest margin, ROA and ROE, partially offset by higher noninterest income and continued credit discipline. For full-year 2025, the company posted stronger performance with net income rising to $64.4 million from $54.8 million in 2024, EPS increasing to $3.72, net interest margin improving to 4.25%, lower provision for credit losses, gains from the sale of two Knoxville branches, and expanded capital return through higher dividends and increased share repurchases, while the board approved a higher quarterly dividend for payment in February 2026 and set the 2026 annual stockholders’ meeting for May 18, 2026 in Asheville, North Carolina, underscoring both its financial momentum and shareholder-focused capital strategy.

The most recent analyst rating on (HTB) stock is a Buy with a $54.00 price target. To see the full list of analyst forecasts on Hometrust Bancshares stock, see the HTB Stock Forecast page.

HomeTrust Bancshares Schedules Q4 2025 Earnings Release

HomeTrust Bancshares, Inc., the holding company for HomeTrust Bank, announced it plans to issue its fourth quarter 2025 earnings release before the market opens on January 22, 2026. The timing signals the company’s intention to inform investors and other stakeholders of its financial performance ahead of that trading day, allowing the market to digest its quarterly results promptly.

The most recent analyst rating on (HTB) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Hometrust Bancshares stock, see the HTB Stock Forecast page.

Hometrust Bancshares Announces New Stock Repurchase Program

On December 16, 2025, HomeTrust Bancshares, Inc. announced the completion of its 5% stock repurchase program, initiated in March 2022, with 806,000 shares repurchased at an average price of $31.84 per share. Additionally, the Board of Directors has authorized a new repurchase program for up to 870,000 shares, representing another 5% of the company’s outstanding shares, which may be purchased in the open market or through private transactions depending on market conditions.

The most recent analyst rating on (HTB) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Hometrust Bancshares stock, see the HTB Stock Forecast page.