Hometrust Bancshares (HTB)
NYSE:HTB
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Hometrust Bancshares
(NYSE:HTB)
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Rating:72Outperform
Price Target:
$51.00
â–²(11.96% Upside)
Action:Reiterated
Date:05/20/26
The score is driven primarily by solid financial performance (improving margins, steady ROE, and improved leverage), tempered by recent revenue softness and historical cash-flow variability. Technicals are modestly positive with price above key moving averages but only neutral momentum. Valuation is attractive on a low P/E, and corporate events add support via dividend growth, buybacks, and debt redemption.
Positive Factors
Improved Leverage
Debt-to-equity falling materially to ~0.17 (TTM) from ~0.45 (2023) strengthens capital flexibility and reduces funding risk. This durable improvement supports regulatory ratios, enables continued dividends and buybacks, and increases resilience to credit or rate shocks over coming quarters.
Negative Factors
Recent Revenue Softness
Top-line declines in 2025 and TTM reduce growth optionality and can erode future net interest income and fee pools if sustained. Persistent revenue softness would pressure loan growth targets, limit margin expansion, and constrain long-term earnings power absent new revenue initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved Leverage
Debt-to-equity falling materially to ~0.17 (TTM) from ~0.45 (2023) strengthens capital flexibility and reduces funding risk. This durable improvement supports regulatory ratios, enables continued dividends and buybacks, and increases resilience to credit or rate shocks over coming quarters.
Read all positive factors
Hometrust Bancshares (HTB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$765.48M
Dividend Yield1.12%
Average Volume (3M)65.94K
Price to Earnings (P/E)10.5
Beta (1Y)0.82
Revenue Growth-1.41%
EPS Growth23.15%
CountryUS
Employees539
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.92
Shares Outstanding16,805,350
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 Ratio36.66
Enterprise Value/Market Cap1.13
Enterprise Value/Revenue2.98
Enterprise Value/Gross Profit4.15
Enterprise Value/Ebitda7.73
Forecast
1Y Price Target
$50.50Price Target Upside10.87% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
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
74
Positive
Balance Sheet
71
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Jun 2022 | Jun 2021 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 290.86M | 292.47M | 295.07M | 216.08M | 155.31M | 159.87M |
| Gross Profit | 209.23M | 206.13M | 194.59M | 170.98M | 150.56M | 151.59M |
| EBITDA | 112.30M | 92.07M | 86.95M | 70.57M | 57.18M | 31.31M |
| Net Income | 66.60M | 64.36M | 54.80M | 44.60M | 35.65M | 15.68M |
Balance Sheet | ||||||
| Total Assets | 4.39B | 4.55B | 4.60B | 4.61B | 3.55B | 3.52B |
| Cash, Cash Equivalents and Short-Term Investments | 164.23M | 156.95M | 459.77M | 488.57M | 450.07M | 437.17M |
| Total Debt | 100.25M | 175.22M | 10.12M | 210.23M | 0.00 | 115.00M |
| Total Liabilities | 3.79B | 3.94B | 4.04B | 4.14B | 3.16B | 3.13B |
| Stockholders Equity | 592.41M | 600.69M | 551.76M | 471.19M | 388.85M | 396.52M |
Cash Flow | ||||||
| Free Cash Flow | 84.21M | 19.90M | 28.23M | -57.15M | 23.62M | -18.40M |
| Operating Cash Flow | 88.64M | 26.61M | 44.97M | -42.40M | 33.13M | 9.56M |
| Investing Cash Flow | 140.80M | 2.53M | 21.28M | -121.13M | 34.84M | 149.50M |
| Financing Cash Flow | -228.57M | -21.87M | -134.17M | 361.91M | -13.84M | -229.69M |
Hometrust Bancshares Technical Analysis
Positive
45.55
Price Trends
44.12
Positive
43.65
Positive
42.08
Positive
Market Momentum
0.34
Positive
53.37
Neutral
34.56
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 below the 20-day moving average (MA) of 45.56, above the 50-day MA of 44.12, and above the 200-day MA of 42.08, indicating a neutral trend. The MACD of 0.34 indicates Positive momentum. The RSI at 53.37 is Neutral, neither overbought nor oversold. The STOCH value of 34.56 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 |
|---|---|---|---|---|---|---|---|
77 Outperform | $785.98M | 11.77 | 11.10% | 2.33% | 2.56% | 5.05% | |
77 Outperform | $880.79M | 8.66 | 10.31% | 3.82% | 4.27% | 26.39% | |
77 Outperform | $918.27M | 9.19 | 15.09% | 3.55% | 10.15% | 7.32% | |
76 Outperform | $890.94M | 7.90 | 10.08% | 2.68% | 25.89% | 20.01% | |
72 Outperform | $765.48M | 10.54 | 11.25% | 1.12% | -1.41% | 23.15% | |
70 Outperform | $884.45M | 9.77 | 13.36% | 3.05% | 4.55% | 16.09% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
HTB
Hometrust Bancshares
45.53
10.68
30.64%
CCBG
Capital City Bank
45.99
8.68
23.27%
CCNE
Cnb Financial
29.91
8.45
39.36%
HAFC
Hanmi Financial
29.44
7.33
33.15%
MBWM
Mercantile Bank
50.90
7.79
18.06%
MCBS
MetroCity Bankshares
31.94
4.82
17.77%
Hometrust Bancshares Corporate Events
Executive/Board ChangesShareholder Meetings
HomeTrust Bancshares Announces Board Changes and Governance Votes
Positive
May 19, 2026
On May 18, 2026, HomeTrust Bancshares, Inc. announced that longtime director Robert E. James, Jr. retired from the boards of both the holding company and HomeTrust Bank at the conclusion of the company’s annual meeting of stockholders. The m...
Business Operations and Strategy
Hometrust Bancshares Redeems Junior Subordinated Debt Securities
Positive
May 15, 2026
On May 14, 2026, U.S. Bank Trust Company, National Association, acting as indenture and institutional trustee, notified investors that HomeTrust Bancshares, Inc. will redeem in full its $11.341 million of Junior Subordinated Debt Securities due Ma...
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 ...
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.