Hometrust Bancshares (HTB)
NYSE:HTB
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Hometrust Bancshares
(NYSE:HTB)
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Rating:66Neutral
Price Target:
$48.00
▲(5.38% Upside)
Action:ReiteratedDate:04/23/26
The score is primarily held back by uneven financial quality—especially volatile cash flow and softer 2025 revenue—despite solid and improving profitability. Technicals are moderately bullish with price above key moving averages and positive MACD, while valuation is reasonable (P/E 11.33). A positive corporate update (higher NIM, improving quarterly results, buybacks, and a dividend hike) adds support but does not fully offset cash-flow variability.
Positive Factors
Improving Profitability Margins
Sustained margin expansion to 22.0% net and 27.7% EBIT in 2025 indicates stronger core earnings power. Higher margins provide durable buffer against credit stress, support internal capital formation, and improve ability to fund dividends or strategic reinvestment over the medium term.
Negative Factors
Inconsistent Cash Generation
Material swings in operating and free cash flow reduce reliability of internally generated funding. Persistent volatility limits ability to sustainably fund dividends, buybacks, or loan growth without leaning on external funding, increasing execution risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Profitability Margins
Sustained margin expansion to 22.0% net and 27.7% EBIT in 2025 indicates stronger core earnings power. Higher margins provide durable buffer against credit stress, support internal capital formation, and improve ability to fund dividends or strategic reinvestment over the medium term.
Read all positive factors
Hometrust Bancshares (HTB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$766.06M
Dividend Yield1.12%
Average Volume (3M)65.94K
Price to Earnings (P/E)―
Beta (1Y)0.83
Revenue Growth-1.41%
EPS Growth23.57%
CountryUS
Employees539
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.03
Shares Outstanding16,818,100
10 Day Avg. Volume52,461
30 Day Avg. Volume65,945
Financial Highlights & Ratios
PEG Ratio0.67
Price to Book (P/B)1.21
Price to Sales (P/S)2.49
P/FCF Ratio27.41
Enterprise Value/Market Cap0.98
Enterprise Value/Revenue2.58
Enterprise Value/Gross Profit3.67
Enterprise Value/Ebitda6.75
Forecast
1Y Price Target
$50.00Price Target Upside9.77% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.46
Revenue Forecast (FY)$213.13M
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 ce...
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 inter...
Hometrust Bancshares Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
63
Positive
Cash Flow
44
Neutral
| 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 | 92.07M | 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 | 19.90M | 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
Positive
45.55
Price Trends
43.27
Positive
43.19
Positive
41.47
Positive
Market Momentum
0.74
Negative
64.39
Neutral
67.81
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HTB, the sentiment is Positive. The current price of 45.55 is above the 20-day moving average (MA) of 43.65, above the 50-day MA of 43.27, and above the 200-day MA of 41.47, indicating a bullish trend. The MACD of 0.74 indicates Negative momentum. The RSI at 64.39 is Neutral, neither overbought nor oversold. The STOCH value of 67.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HTB.
Hometrust Bancshares Risk Analysis
Hometrust Bancshares disclosed 35 risk factors in its most recent earnings report. Hometrust Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Hometrust Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | $888.13M | 8.66 | 10.31% | 3.82% | 4.27% | 26.39% | |
74 Outperform | $787.86M | 11.77 | 11.10% | 2.33% | 2.56% | 5.05% | |
74 Outperform | $875.66M | 9.77 | 13.36% | 3.05% | 4.55% | 16.09% | |
73 Outperform | $898.84M | 7.90 | 10.08% | 2.68% | 25.89% | ― | |
73 Outperform | $915.97M | 9.19 | 4.94% | 3.55% | 10.12% | 7.50% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $766.06M | ― | 8.42% | 1.12% | -1.41% | 23.57% |
* Financial Sector Average
HTB
Hometrust Bancshares
45.55
11.83
35.10%
CCBG
Capital City Bank
46.07
10.43
29.27%
CCNE
Cnb Financial
30.33
8.99
42.15%
HAFC
Hanmi Financial
29.85
7.96
36.36%
MBWM
Mercantile Bank
50.69
9.71
23.69%
MCBS
MetroCity Bankshares
31.96
5.35
20.11%
Hometrust Bancshares Corporate Events
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
HomeTrust Bancshares Posts Strong Quarterly Results, Hikes Dividend
Positive
Apr 23, 2026
HomeTrust Bancshares reported preliminary results for the quarter ended March 31, 2026, showing net income of $16.8 million and diluted EPS of $0.99, both up from the prior quarter. The bank’s performance was bolstered by a higher net intere...
Financial Disclosures
HomeTrust Bancshares Schedules Release of Q1 2026 Earnings
Neutral
Apr 7, 2026
HomeTrust Bancshares, Inc., the holding company for HomeTrust Bank, announced it plans to release its first quarter 2026 earnings results before the U.S. market opens on April 23, 2026. The scheduled disclosure date gives investors and analysts a ...
Business Operations and StrategyExecutive/Board Changes
HomeTrust Bancshares Adopts 2026 Executive Incentive Plan
Neutral
Feb 11, 2026
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...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.