Hometrust Bancshares (HTB) AI Stock Analysis

• Market Cap: $778.88M
• Dividend Yield: 1.1%
• Average Volume (3M): 65.94K
• Price to Earnings (P/E): 12.4
• Beta (1Y): 0.91
• Revenue Growth: 0.21%
• EPS Growth: 14.54%
• Country: US
• Employees: 539
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.95
• Shares Outstanding: 17,444,033
• 10 Day Avg. Volume: 52,461
• 30 Day Avg. Volume: 65,945
• PEG Ratio: 1.21
• Price to Book (P/B): 1.03
• Price to Sales (P/S): 1.93
• P/FCF Ratio: 20.20
• Enterprise Value/Market Cap: 1.20
• Enterprise Value/Revenue: 3.18
• Enterprise Value/Gross Profit: 4.80
• Enterprise Value/Ebitda: 10.87
• 1Y Price Target: $45.00
• Price Target Upside: 0.78% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $47.00 ▲(5.26% Upside)

Hometrust Bancshares demonstrates strong financial performance and operational efficiency, supported by a conservative balance sheet and robust cash flows. The technical indicators suggest a positive trend, while the valuation remains attractive. The recent dividend increase underscores management's confidence in the company's future prospects. These factors collectively contribute to a solid overall stock score.

Positive Factors

Dividend Increase

The consistent increase in dividends reflects strong cash flow and management's confidence in the company's long-term financial health, enhancing shareholder value.

Earnings Growth

Significant EPS growth indicates effective cost management and robust revenue streams, supporting long-term profitability and market competitiveness.

Net Interest Margin

A strong net interest margin demonstrates efficient lending practices and interest income generation, crucial for sustained financial performance in banking.

Negative Factors

Revenue Growth Stagnation

Flat revenue growth can hinder long-term expansion and market share gains, potentially impacting future profitability and strategic initiatives.

Net Income Decrease

A decrease in net income may signal challenges in maintaining profitability, affecting the company's ability to reinvest in growth opportunities.

Leverage Limitations

While low leverage ensures stability, it may limit growth potential by restricting the company's ability to capitalize on investment opportunities.

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 generates revenue through several key streams. Primarily, the company earns interest income from loans provided to customers, including residential mortgages, commercial real estate loans, and personal loans. This interest income constitutes a significant portion of the company's revenue. Additionally, HTB makes money from non-interest income sources such as fees for account maintenance, transaction services, and wealth management services. The bank also engages in investment activities, earning returns from its portfolio of securities. Strategic partnerships with local businesses and community organizations help to enhance its service offerings and attract new customers, contributing to overall growth in deposits and loan origination. Overall, HTB's well-diversified revenue model supports its financial stability and growth objectives.

Hometrust Bancshares Financial Statement Overview

Summary

Hometrust Bancshares presents a solid financial standing with strong profitability and operational efficiency. The balance sheet is conservative with low leverage, which may limit growth potential but ensures stability. Cash flows are robust, providing flexibility for future investments. Despite some revenue growth stagnation, the company's financial health is commendable.

Income Statement

The income statement reflects a stable financial performance with consistent gross and net profit margins. The Gross Profit Margin is strong, indicating efficient cost management. The Net Profit Margin is also healthy, showcasing profitability. However, the Revenue Growth Rate is flat, suggesting limited top-line expansion. The EBIT and EBITDA margins are solid, reflecting operational efficiency.

Balance Sheet

The balance sheet is robust with a low Debt-to-Equity Ratio, indicating conservative leverage. The Return on Equity (ROE) is satisfactory, demonstrating effective use of equity capital. The Equity Ratio is stable, highlighting a strong capital base. However, the low debt levels might limit potential leverage benefits.

Cash Flow

Cash flow statements show strong Free Cash Flow generation, with significant growth in recent periods. The Operating Cash Flow to Net Income Ratio is high, indicating efficient cash generation from operations. The Free Cash Flow to Net Income Ratio further supports cash flow strength. However, fluctuations in investing and financing cash flows suggest potential volatility in cash operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	294.56M	295.07M	265.82M	216.08M	155.31M	159.87M
Gross Profit	195.10M	194.59M	185.68M	170.98M	150.56M	151.59M
EBITDA	86.10M	86.95M	79.36M	70.57M	57.18M	31.31M
Net Income	54.28M	54.80M	50.04M	44.60M	35.65M	15.68M
Balance Sheet
Total Assets	4.56B	4.60B	4.67B	4.61B	3.55B	3.52B
Cash, Cash Equivalents and Short-Term Investments	476.21M	459.77M	508.81M	488.57M	450.07M	437.17M
Total Debt	10.14M	10.12M	133.78M	210.23M	48.00M	115.00M
Total Liabilities	3.99B	4.04B	4.17B	4.14B	3.16B	3.13B
Stockholders Equity	565.45M	551.76M	499.89M	471.19M	388.85M	396.52M
Cash Flow
Free Cash Flow	109.81M	28.23M	15.05M	-57.15M	23.62M	-18.40M
Operating Cash Flow	125.69M	44.97M	29.51M	-42.40M	33.13M	9.56M
Investing Cash Flow	-21.22M	21.28M	-19.04M	-121.13M	34.84M	149.50M
Financing Cash Flow	-185.14M	-134.17M	33.17M	361.91M	-13.84M	-229.69M

Hometrust Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 44.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 44.65 is above the 20-day moving average (MA) of 42.92, above the 50-day MA of 41.02, and above the 200-day MA of 38.08, indicating a bullish trend. The MACD of 1.38 indicates Negative momentum. The RSI at 64.64 is Neutral, neither overbought nor oversold. The STOCH value of 59.41 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
MBWM	78 Outperform	$804.72M	9.38	13.79%	3.03%	5.64%	6.24%
HAFC	77 Outperform	$854.33M	11.89	9.49%	3.79%	3.34%	15.52%
HTB	76 Outperform	$778.88M	12.36	10.88%	1.10%	0.21%	14.54%
CCBG	76 Outperform	$747.61M	12.26	11.90%	2.28%	9.43%	17.64%
MCBS	74 Outperform	$806.34M	10.80	15.62%	3.43%	-0.23%	10.95%
CCNE	69 Neutral	$806.76M	13.81	6.51%	2.63%	11.13%	-15.28%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Hometrust Bancshares Corporate Events

Hometrust Bancshares Announces New Stock Repurchase Program

On December 16, 2025, HomeTrust Bancshares, Inc. announced the completion of its 5% stock repurchase program, initiated in March 2022, with 806,000 shares repurchased at an average price of $31.84 per share. Additionally, the Board of Directors has authorized a new repurchase program for up to 870,000 shares, representing another 5% of the company’s outstanding shares, which may be purchased in the open market or through private transactions depending on market conditions.

Hometrust Bancshares Increases Quarterly Dividend by 8.3%

HomeTrust Bancshares, Inc. reported its financial results for the third quarter ending September 30, 2025, with a net income of $16.5 million, a slight decrease from the previous quarter. The company announced an 8.3% increase in its quarterly cash dividend, marking the seventh increase since 2018. Despite a decrease in net income compared to the previous quarter, the company showed a year-over-year growth in earnings per share by 25%, driven by a strong net interest margin and disciplined expense management. The announcement reflects the company’s solid financial performance and strategic focus on sustainable growth.