Hometrust Bancshares (HTB)
NYSE:HTB
Top Page
Hometrust Bancshares
(NYSE:HTB)
Select Model
Select Model
Rating:62Neutral
Price Target:
$45.00
â–²(0.36% Upside)
Action:ReiteratedDate:03/14/26
The score is driven primarily by solid profitability/ROE but constrained by volatile and weakening cash flow and slightly softer revenue momentum. Valuation is supportive with a low P/E, while technical indicators point to softer near-term momentum. A positive corporate update (dividend raise and buybacks) adds a modest lift.
Positive Factors
Profitability & margins
Sustained net margin near 21% and a mid-teens ROE band provide a durable earnings base that supports internal capital formation, dividend capacity and loan loss absorption. Strong operating profitability helps the bank fund growth and cushions cyclical credit stress over months.
Negative Factors
Sharp revenue decline
A near‑term 27% TTM revenue fall undermines sustainable top‑line momentum, constraining net interest income growth and fee diversification. Persistent revenue weakness reduces operating leverage, limits reinvestment potential, and raises execution risk for medium‑term earnings recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability & margins
Sustained net margin near 21% and a mid-teens ROE band provide a durable earnings base that supports internal capital formation, dividend capacity and loan loss absorption. Strong operating profitability helps the bank fund growth and cushions cyclical credit stress over months.
Read all positive factors
Hometrust Bancshares (HTB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$780.57M
Dividend Yield1.12%
Average Volume (3M)65.94K
Price to Earnings (P/E)11.3
Beta (1Y)0.88
Revenue Growth0.21%
EPS Growth14.54%
CountryUS
Employees539
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.93
Shares Outstanding16,928,453
10 Day Avg. Volume52,461
30 Day Avg. Volume65,945
Financial Highlights & Ratios
PEG Ratio0.63
Price to Book (P/B)1.21
Price to Sales (P/S)2.49
P/FCF Ratio27.41
Enterprise Value/Market Cap1.21
Enterprise Value/Revenue3.24
Enterprise Value/Gross Profit4.60
Enterprise Value/Ebitda8.45
Forecast
1Y Price Target
$49.00Price Target Upside9.28% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)3.44
Revenue Forecast (FY)$213.03M
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
72
Positive
Balance Sheet
63
Positive
Cash Flow
44
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Jun 2022 | Jun 2021 | Jun 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 292.47M | 295.07M | 216.08M | 155.31M | 159.87M |
| Gross Profit | 206.13M | 194.59M | 170.98M | 150.56M | 151.59M |
| EBITDA | 80.95M | 86.95M | 70.57M | 57.18M | 31.31M |
| Net Income | 64.36M | 54.80M | 44.60M | 35.65M | 15.68M |
Balance Sheet | |||||
| Total Assets | 4.55B | 4.60B | 4.61B | 3.55B | 3.52B |
| Cash, Cash Equivalents and Short-Term Investments | 156.95M | 459.77M | 488.57M | 450.07M | 437.17M |
| Total Debt | 175.22M | 10.12M | 210.23M | 0.00 | 115.00M |
| Total Liabilities | 3.94B | 4.04B | 4.14B | 3.16B | 3.13B |
| Stockholders Equity | 600.69M | 551.76M | 471.19M | 388.85M | 396.52M |
Cash Flow | |||||
| Free Cash Flow | 26.61M | 28.23M | -57.15M | 23.62M | -18.40M |
| Operating Cash Flow | 26.61M | 44.97M | -42.40M | 33.13M | 9.56M |
| Investing Cash Flow | 2.53M | 21.28M | -121.13M | 34.84M | 149.50M |
| Financing Cash Flow | -21.87M | -134.17M | 361.91M | -13.84M | -229.69M |
Hometrust Bancshares Technical Analysis
Positive
44.84
Price Trends
42.96
Positive
42.79
Positive
41.18
Positive
Market Momentum
0.28
Negative
69.12
Neutral
91.51
Negative
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 44.84 is above the 20-day moving average (MA) of 42.47, above the 50-day MA of 42.96, and above the 200-day MA of 41.18, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 69.12 is Neutral, neither overbought nor oversold. The STOCH value of 91.51 is Negative, 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 |
|---|---|---|---|---|---|---|---|
73 Outperform | $802.21M | 11.80 | 11.55% | 2.33% | 9.43% | 17.64% | |
71 Outperform | $839.98M | 10.60 | 9.85% | 3.82% | 3.34% | 15.52% | |
71 Outperform | $931.70M | 8.81 | 13.54% | 3.05% | 5.64% | 6.24% | |
71 Outperform | $901.48M | 10.05 | 14.82% | 3.55% | -0.23% | 10.95% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | $927.88M | 9.76 | 8.88% | 2.68% | 11.13% | -15.28% | |
62 Neutral | $780.57M | 11.33 | 10.88% | 1.12% | 0.21% | 14.54% |
* Financial Sector Average
HTB
Hometrust Bancshares
46.11
14.55
46.09%
CCBG
Capital City Bank
46.77
14.25
43.83%
CCNE
Cnb Financial
31.31
11.02
54.34%
HAFC
Hanmi Financial
28.10
8.47
43.14%
MBWM
Mercantile Bank
53.94
16.33
43.42%
MCBS
MetroCity Bankshares
31.35
6.83
27.86%
Hometrust Bancshares Corporate Events
Business Operations and StrategyExecutive/Board Changes
HomeTrust Bancshares Adopts 2026 Executive Incentive Plan
Neutral
Feb 11, 2026
On February 9, 2026, HomeTrust Bancshares, Inc. set targeted cash incentive opportunities for its senior leadership team for the year ending December 31, 2026, tying President and CEO C. Hunter Westbrook’s incentive to 50% of base salary and...
Business Operations and StrategyStock BuybackDividendsFinancial DisclosuresShareholder Meetings
HomeTrust Bancshares Reports Strong 2025 Results, Raises Dividend
Positive
Jan 22, 2026
On January 22, 2026, HomeTrust Bancshares reported preliminary financial results for the fourth quarter and full year ended December 31, 2025, showing slightly lower quarterly net income of $16.1 million and diluted EPS of $0.93 versus the prior q...
Financial Disclosures
HomeTrust Bancshares Schedules Q4 2025 Earnings Release
Neutral
Jan 8, 2026
HomeTrust Bancshares, Inc., the holding company for HomeTrust Bank, announced it plans to issue its fourth quarter 2025 earnings release before the market opens on January 22, 2026. The timing signals the company’s intention to inform invest...
Stock Buyback
Hometrust Bancshares Announces New Stock Repurchase Program
Neutral
Dec 16, 2025
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 ha...
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.