Hometrust Bancshares (HTB) AI Stock Analysis

• Market Cap: $665.09M
• Dividend Yield: 1.25%
• Average Volume (3M): 49.94K
• Price to Earnings (P/E): 12.0
• Beta (1Y): 1.00
• Revenue Growth: 5.23%
• EPS Growth: -8.00%
• Country: US
• Employees: 539
• Sector: Financial
• Sector Strength: 75
• Industry: Banks - Regional
• EPS (TTM): 0.84
• Shares Outstanding: 17,548,426
• 10 Day Avg. Volume: 39,615
• 30 Day Avg. Volume: 49,938
• 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: 0.47
• Enterprise Value/Revenue: 0.27
• Enterprise Value/Gross Profit: 1.60
• Enterprise Value/Ebitda: 0.90
• 1Y Price Target: $42.00
• Price Target Upside: 9.38% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 75 Outperform
• Price Target: $40.00 ▲(4.17%Upside)

Hometrust Bancshares scores well due to its strong financial foundation and strategic moves that enhance market presence. The technical analysis is neutral, with valuation metrics indicating reasonable pricing. Positive corporate events further boost the stock's profile.

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. (HTB) is a bank holding company headquartered in Asheville, North Carolina. It primarily operates through its subsidiary, HomeTrust Bank, which provides a wide range of financial services. The company offers traditional retail and commercial banking products, including checking and savings accounts, certificates of deposit, residential and commercial mortgage loans, and home equity lines of credit. HomeTrust Bancshares serves individuals, businesses, and municipalities across its branch network in North Carolina, South Carolina, Tennessee, and Virginia.

How the Company Makes Money

HomeTrust Bancshares generates revenue primarily through interest income from its loan portfolio and investments in securities. The company earns interest by lending to individuals and businesses, with key areas including residential and commercial real estate loans, construction loans, and consumer loans. Additionally, HomeTrust Bancshares benefits from non-interest income sources such as service charges on deposit accounts, fees from mortgage banking activities, and income from insurance and investment advisory services. The company also maintains partnerships with financial service providers to expand its offerings and enhance revenue. Managing its interest rate margin and maintaining credit quality are crucial factors for sustaining profitability.

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
EBITDA	86.10M	86.95M	70.57M	57.18M	31.31M	33.59M
Net Income	54.28M	54.80M	44.60M	35.65M	15.68M	22.78M
Balance Sheet
Total Assets	4.56B	4.60B	4.61B	3.55B	3.52B	3.72B
Cash, Cash Equivalents and Short-Term Investments	476.21M	459.77M	488.57M	450.07M	437.17M	609.82M
Total Debt	10.14M	10.12M	210.23M	0.00	115.00M	475.00M
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: 38.40
• 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 38.4 is above the 20-day moving average (MA) of 37.80, above the 50-day MA of 36.67, and above the 200-day MA of 35.21, indicating a bullish trend. The MACD of 0.66 indicates Positive momentum. The RSI at 62.02 is Neutral, neither overbought nor oversold. The STOCH value of 54.24 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	$786.08M	12.36	9.47%	―	14.53%	-2.85%
HTB	75 Outperform	$665.09M	12.02	9.96%	1.25%	5.23%	-8.00%
HBNC	73 Outperform	$679.98M	14.98	6.06%	4.15%	9.55%	90.70%
CCBG	71 Outperform	$700.62M	12.35	11.83%	2.34%	8.13%	11.18%
Sector *	68 Neutral	$16.73B	11.75	9.79%	3.76%	11.87%	-7.97%
EGBN	54 Neutral	$638.53M	―	-3.60%	3.13%	1.68%	-159.14%
MOFG	49 Neutral	$615.77M	―	-8.74%	3.28%	-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.