Hometrust Bancshares (HTB) AI Stock Analysis

• Market Cap: $599.18M
• Dividend Yield: 1.34%
• Average Volume (3M): 42.09K
• Price to Earnings (P/E): 10.8
• Beta (1Y): 1.04
• Revenue Growth: 5.23%
• EPS Growth: -7.72%
• Country: US
• Employees: 539
• Sector: Financial
• Sector Strength: 88
• Industry: Banks - Regional
• EPS (TTM): 3.15
• Shares Outstanding: 17,550,627
• 10 Day Avg. Volume: 32,533
• 30 Day Avg. Volume: 42,095
• PEG Ratio: 1.38
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.27
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 3.76
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $42.50
• Price Target Upside: 24.49% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2

Hometrust Bancshares scores a solid 74.1, driven by strong financial performance and a balanced valuation. The company shows robust revenue growth and profitability, supported by a stable balance sheet with low debt. Technical indicators suggest a neutral to slightly bearish trend, which may limit short-term upside. The reasonable P/E ratio and a modest dividend yield further underpin the stock's value proposition. Overall, HTB is well-positioned for steady growth within the regional banking sector.

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. is a bank holding company headquartered in Asheville, North Carolina. It operates through its subsidiary, HomeTrust Bank, which provides a range of financial services. The bank offers personal and business banking products, including checking and savings accounts, loans, mortgages, and investment services. It primarily serves individuals, small to medium-sized businesses, and professionals in its local communities across North Carolina, South Carolina, Tennessee, and Virginia.

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 demonstrates strong financial health through consistent revenue growth and solid profitability margins. The balance sheet is well-managed with minimal debt and significant equity, underscoring financial stability. While cash flow performance has improved, historical volatility indicates a need for cautious cash management. Overall, the company is well-positioned for continued growth within the regional banking sector.

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
Dec 2024	Jun 2023	Jun 2022	Jun 2021	Jun 2020
Income Statement		Total Revenue
202.13M	186.37M	149.97M	143.21M	133.90M
	Gross Profit
202.13M	186.37M	149.97M	143.21M	133.90M
	EBIT
0.00	67.33M	62.27M	19.10M	28.81M
	EBITDA
0.00	-628.00K	57.18M	0.00	33.59M
	Net Income Common Stockholders
54.80M	49.64M	35.65M	15.68M	22.78M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
459.77M	488.57M	255.65M	247.57M	304.85M
	Total Assets
4.60B	4.61B	3.55B	3.52B	3.72B
	Total Debt
10.12M	210.23M	8.40M	115.00M	475.00M
	Net Debt
-297.64M	-126.42M	-120.27M	23.89M	297.69M
	Total Liabilities
4.04B	4.14B	3.16B	115.00M	475.00M
	Stockholders Equity
551.76M	499.89M	388.85M	396.52M	408.26M
Cash Flow		Free Cash Flow
28.23M	-57.15M	25.29M	-22.56M	-58.98M
	Operating Cash Flow
44.97M	-42.40M	34.80M	2.76M	-42.06M
	Investing Cash Flow
21.28M	-121.13M	33.17M	156.30M	-124.94M
	Financing Cash Flow
-134.17M	66.34M	-13.84M	-229.69M	217.57M

Hometrust Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 34.14
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• 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 34.14 is above the 20-day moving average (MA) of 33.29, below the 50-day MA of 34.26, and below the 200-day MA of 34.65, indicating a neutral trend. The MACD of 0.08 indicates Negative momentum. The RSI at 54.24 is Neutral, neither overbought nor oversold. The STOCH value of 47.67 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	$569.79M	8.57	9.47%	―	14.53%	-2.85%
HTB	74 Outperform	$599.18M	10.83	9.99%	1.34%	5.23%	-7.72%
CCBG	73 Outperform	$623.16M	10.85	11.83%	2.48%	6.62%	11.18%
HBNC	70 Neutral	$648.77M	14.38	6.06%	4.36%	9.68%	90.70%
Sector *	63 Neutral	$12.46B	9.56	8.14%	17044.64%	12.63%	-4.25%
EGBN	55 Neutral	$547.87M	―	-3.60%	4.34%	1.68%	-159.14%
MOFG	54 Neutral	$583.26M	―	-8.74%	3.50%	-27.64%	-343.61%

Hometrust Bancshares Corporate Events

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.