Hometrust Bancshares (HTB) AI Stock Analysis

• Market Cap: $617.00M
• Dividend Yield: 1.34%
• Average Volume (3M): 39.29K
• Price to Earnings (P/E): 11.2
• Beta (1Y): 0.96
• Revenue Growth: 5.23%
• EPS Growth: -8.00%
• Country: US
• Employees: 539
• Sector: Financial
• Sector Strength: 76
• Industry: Banks - Regional
• EPS (TTM): 0.84
• Shares Outstanding: 17,548,426
• 10 Day Avg. Volume: 43,624
• 30 Day Avg. Volume: 39,294
• PEG Ratio: -9.01
• Price to Book (P/B): 1.07
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 5.71
• Enterprise Value/Market Cap: 0.50
• Enterprise Value/Revenue: 0.27
• Enterprise Value/Gross Profit: 1.60
• Enterprise Value/Ebitda: 0.90
• 1Y Price Target: $42.50
• Price Target Upside: 18.98% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

• Rating: 78 Outperform
• Price Target: $41.00 ▲(14.78%Upside)

Hometrust Bancshares scores highly due to strong financial performance and positive corporate events. Technical indicators suggest stability with potential upside, and valuation metrics indicate fair pricing with a modest dividend yield. The company's reputation and strategic moves bolster its market position.

Positive Factors

Financial Outlook

Analysts forecast above-peer net interest margin for Hometrust Bancshares, maintaining a tight range with forecasted NIMs above consensus and well above peers.

Market Position

Hometrust Bancshares is focused on high-growth markets, blending personalized service with innovation to strengthen communities.

Negative Factors

Interest Income

Rate cuts are pressuring loan yields and lacking a meaningful offset to net interest income headwinds, revenue headwinds will be apparent for the next several quarters.

Loan Growth

Loan growth was subdued and expected to be muted in the near term while credit metrics remained elevated.

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, Inc. generates revenue primarily through interest income from loans and mortgages issued to individuals and businesses. The bank earns interest by lending out deposits at higher interest rates than it pays to depositors. Other significant revenue streams include fees from various banking services such as account maintenance, overdrafts, and transaction processing. Additionally, HomeTrust Bank may earn income from investment securities and asset management services. The company's earnings are influenced by factors such as interest rate fluctuations, economic conditions in its operating regions, and the overall demand for banking services.

Hometrust Bancshares Financial Statement Overview

Summary

Hometrust Bancshares exhibits strong financial health with consistent revenue growth and solid profitability margins. The balance sheet is robust with minimal debt, significant equity, and high cash reserves. Despite improved cash flow performance, past volatility indicates the need for cautious cash management.

Income Statement

Hometrust Bancshares has exhibited strong revenue growth with a compound annual growth rate in revenues over recent years. The gross profit margin stands at 100% due to the nature of revenue recognition in the banking industry. The net profit margin has also shown positive progress, reaching 27.12% in the most recent annual report. However, EBIT and EBITDA margins are not available for the latest period, which limits the analysis of operational efficiency.

Balance Sheet

The balance sheet is robust with a low debt-to-equity ratio of 0.018, indicating financial stability and low leverage. The return on equity is strong, reflecting efficient utilization of equity to generate profits. The equity ratio of 12.01% suggests a moderate level of equity financing. The key strength lies in the company's high cash reserves, enhancing liquidity.

Cash Flow

Free cash flow has improved significantly, with a positive growth rate over the last period. The operating cash flow to net income ratio indicates solid cash generation relative to net earnings. However, the free cash flow to net income ratio, although improved, suggests there is room for enhancement in translating profits into free cash. Past volatility in cash flows due to financing activities is a potential risk factor.

Breakdown
TTM	Dec 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
294.56M	295.07M	216.08M	155.31M	159.87M	166.59M
	Gross Profit
195.10M	194.59M	170.98M	150.56M	151.59M	125.94M
	EBIT
69.33M	69.91M	57.16M	45.38M	19.10M	28.81M
	EBITDA
86.10M	86.95M	70.57M	57.18M	31.31M	33.59M
	Net Income Common Stockholders
54.28M	54.80M	44.60M	35.65M	15.68M	22.78M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
476.21M	459.77M	488.57M	450.07M	437.17M	609.82M
	Total Assets
4.56B	4.60B	4.61B	3.55B	3.52B	3.72B
	Total Debt
10.14M	10.12M	210.23M	0.00	115.00M	475.00M
	Net Debt
-315.49M	-297.64M	-126.42M	-323.10M	-165.71M	-7.28M
	Total Liabilities
3.99B	4.04B	4.14B	3.16B	3.13B	3.31B
	Stockholders Equity
565.45M	551.76M	471.19M	388.85M	396.52M	408.26M
Cash Flow		Free Cash Flow
109.81M	28.23M	-57.15M	23.62M	-18.40M	-56.52M
	Operating Cash Flow
125.69M	44.97M	-42.40M	33.13M	9.56M	-39.09M
	Investing Cash Flow
-21.22M	21.28M	-121.13M	34.84M	149.50M	-127.91M
	Financing Cash Flow
-185.14M	-134.17M	361.91M	-13.84M	-229.69M	217.57M

Hometrust Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 35.72
• 50DMA: Positive
• 100DMA: Positive
• 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 Positive. The current price of 35.72 is below the 20-day moving average (MA) of 35.91, above the 50-day MA of 35.09, and above the 200-day MA of 34.90, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 50.52 is Neutral, neither overbought nor oversold. The STOCH value of 21.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HTB.

Hometrust Bancshares Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MCB	79 Outperform	$690.03M	10.98	9.47%	―	14.53%	-2.85%
HTB	78 Outperform	$617.00M	11.15	9.96%	1.34%	5.23%	-8.00%
CCBG	73 Outperform	$625.23M	10.89	11.83%	2.60%	8.13%	11.18%
HBNC	67 Neutral	$643.82M	14.18	6.06%	4.38%	9.55%	90.70%
Sector *	64 Neutral	$12.73B	9.92	7.90%	78.88%	12.06%	-7.95%
EGBN	55 Neutral	$514.59M	―	-3.60%	3.90%	1.68%	-159.14%
MOFG	54 Neutral	$570.60M	―	-8.74%	3.49%	-27.65%	-343.61%

Hometrust Bancshares Corporate Events

Hometrust Bancshares Director Craig Koontz Retires

On May 19, 2025, Craig C. Koontz retired as a director of HomeTrust Bancshares, Inc. and HomeTrust Bank following the company’s annual meeting of stockholders. During the meeting, three directors were elected, and proposals regarding executive compensation and the appointment of Crowe LLP as the company’s independent accounting firm were approved, reflecting continued shareholder support for the company’s governance and operational strategies.

The most recent analyst rating on (HTB) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on Hometrust Bancshares stock, see the HTB Stock Forecast page.

Hometrust Bancshares Moves Listing to NYSE in February

Hometrust Bancshares recently transitioned its common stock listing from Nasdaq to the NYSE in February 2025, changing its ticker symbol to HTB. This move is seen as a step towards greater maturity and potential for enhanced liquidity and trading volume. The company has been recognized as one of the top community banks and aims to become a high-performing regional bank. With a refreshed leadership team and a strategic focus on high-growth markets, Hometrust is well-positioned for continued growth and value creation for shareholders.

The most recent analyst rating on (HTB) stock is a Buy with a $38.00 price target. To see the full list of analyst forecasts on Hometrust Bancshares stock, see the HTB Stock Forecast page.

Hometrust Bancshares Recognized as One of Forbes’ Best Banks

On May 8, 2025, HomeTrust Bancshares announced its recognition as one of Forbes’ America’s Best Banks for 2025 and a Top 50 Community Bank in the 2024 S&P Global Market Intelligence rankings, highlighting its strong financial performance. The company was also included in the 2025 KBW Bank Honor Roll and re-certified as a Most Loved Workplace, reflecting its consistent financial success and positive workplace culture.

Hometrust Bancshares Launches New Deferred Compensation Plan

On March 27, 2025, HomeTrust Bancshares’ Board of Directors approved a new non-qualified deferred compensation plan, effective April 1, 2025, replacing the previous plan frozen on December 31, 2024. This plan allows directors and eligible senior management to defer compensation and choose investment options, aiming to comply with tax regulations and offer tax deferral benefits.