Hometrust Bancshares (HTB) AI Stock Analysis

• Market Cap: $752.19M
• Dividend Yield: 1.12%
• Average Volume (3M): 65.94K
• Price to Earnings (P/E): 11.5
• Beta (1Y): 0.90
• Revenue Growth: 0.21%
• EPS Growth: 14.54%
• Country: US
• Employees: 539
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.93
• Shares Outstanding: 17,444,033
• 10 Day Avg. Volume: 52,461
• 30 Day Avg. Volume: 65,945
• PEG Ratio: 1.35
• Price to Book (P/B): 1.03
• Price to Sales (P/S): 1.93
• P/FCF Ratio: 20.20
• Enterprise Value/Market Cap: 0.98
• Enterprise Value/Revenue: 2.52
• Enterprise Value/Gross Profit: 3.59
• Enterprise Value/Ebitda: 6.51
• 1Y Price Target: $49.00
• Price Target Upside: 13.64% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: $45.00 ▲(4.36% Upside)

The score is anchored by solid profitability but tempered by weaker recent trends (sharp TTM revenue decline, higher leverage, and a large drop in free cash flow). Technicals are neutral-to-soft with RSI below 50 and price under shorter-term averages, while a reasonable P/E and dividend support the overall rating, reinforced by the recent dividend increase and buyback activity.

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.

2025 results & shareholder returns

Improved full-year earnings, a raised dividend and renewed repurchase program signal management discipline on capital allocation. Persistent shareholder distributions indicate confidence in earnings sustainability and strengthen investor alignment, enhancing long-term access to capital and credibility.

Adequate capitalization

An adequate capital base with growing equity supports lending capacity and regulatory resilience. For a regional bank, rising equity provides a buffer for credit volatility, enables measured balance-sheet expansion, and lowers probability of forced capital actions over coming quarters.

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.

Free cash flow volatility

A roughly 52% drop in FCF and uneven historical cash generation weaken the bank's ability to consistently fund dividends, buybacks, or organic growth without drawing on capital or external funding. Volatile FCF raises sensitivity to loan losses or funding shocks.

Rising leverage

An uptick in debt‑to‑equity to ~0.39 from very low levels reduces financial flexibility and raises interest‑rate and funding sensitivity. For a regional bank, higher leverage can tighten regulatory scrutiny and limit capacity to expand loans or absorb credit deterioration over the next several quarters.

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

Profitable with a solid TTM net margin (~21%) and acceptable ROE (~10–11%), but fundamentals look less steady recently: TTM revenue declined ~27%, leverage increased (debt-to-equity ~0.39 vs. very low in 2024), and free cash flow fell sharply (~52%) despite remaining positive.

Income Statement

HTB remains solidly profitable, with TTM (Trailing-Twelve-Months) net margin around 21% and stronger operating profitability than the prior annual period. Revenue momentum is the main weak spot: TTM (Trailing-Twelve-Months) revenue declined about 27% after growing in 2024 and 2023, indicating a meaningful slowdown. Overall, profitability is healthy, but top-line volatility reduces the score.

Balance Sheet

Capitalization looks adequate with return on equity around 10–11% in TTM (Trailing-Twelve-Months), but leverage appears to have increased: debt-to-equity rose to ~0.39 in TTM (Trailing-Twelve-Months) versus a very low level in 2024. Total assets are broadly stable, and equity has grown over time, yet the recent step-up in debt is a clear watch item for a regional bank.

Cash Flow

Cash generation is positive in TTM (Trailing-Twelve-Months), with free cash flow close to net income (about 0.93x), which is a strength. However, free cash flow fell sharply versus the prior period (down ~52% in TTM (Trailing-Twelve-Months)), and historical cash flow has been uneven (including periods of negative operating/free cash flow). The mix of positive current cash flow but weak trend and volatility keeps the score mid-range.

Breakdown	TTM	Dec 2024	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement
Total Revenue	292.57M	295.07M	216.08M	155.31M	159.87M	166.59M
Gross Profit	205.43M	194.59M	170.98M	150.56M	151.59M	125.94M
EBITDA	113.26M	86.95M	70.57M	57.18M	31.31M	33.59M
Net Income	62.45M	54.80M	44.60M	35.65M	15.68M	22.78M
Balance Sheet
Total Assets	4.59B	4.60B	4.61B	3.55B	3.52B	3.72B
Cash, Cash Equivalents and Short-Term Investments	161.12M	459.77M	488.57M	450.07M	437.17M	609.82M
Total Debt	230.00M	10.12M	210.23M	48.00M	115.00M	475.00M
Total Liabilities	4.00B	4.04B	4.14B	3.16B	3.13B	3.31B
Stockholders Equity	595.83M	551.76M	471.19M	388.85M	396.52M	408.26M
Cash Flow
Free Cash Flow	48.69M	28.23M	-57.15M	23.62M	-18.40M	-56.52M
Operating Cash Flow	55.91M	44.97M	-42.40M	33.13M	9.56M	-39.09M
Investing Cash Flow	70.67M	21.28M	-121.13M	34.84M	149.50M	-127.91M
Financing Cash Flow	-104.22M	-134.17M	361.91M	-13.84M	-229.69M	217.57M

Hometrust Bancshares Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 43.12
• 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 43.12 is below the 20-day moving average (MA) of 43.31, above the 50-day MA of 42.88, and above the 200-day MA of 39.40, indicating a neutral trend. The MACD of -0.14 indicates Positive momentum. The RSI at 48.65 is Neutral, neither overbought nor oversold. The STOCH value of 24.54 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	77 Outperform	$893.07M	9.39	13.79%	3.05%	5.64%	6.24%
CCBG	73 Outperform	$712.79M	11.51	11.90%	2.33%	9.43%	17.64%
HAFC	69 Neutral	$795.91M	10.59	9.49%	3.82%	3.34%	15.52%
MCBS	69 Neutral	$811.81M	10.38	15.62%	3.55%	-0.23%	10.95%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CCNE	66 Neutral	$816.49M	10.89	6.51%	2.68%	11.13%	-15.28%
HTB	61 Neutral	$752.19M	11.55	10.88%	1.12%	0.21%	14.54%

Hometrust Bancshares Corporate Events

HomeTrust Bancshares Reports Strong 2025 Results, Raises Dividend

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 quarter, as well as modest declines in net interest margin, ROA and ROE, partially offset by higher noninterest income and continued credit discipline. For full-year 2025, the company posted stronger performance with net income rising to $64.4 million from $54.8 million in 2024, EPS increasing to $3.72, net interest margin improving to 4.25%, lower provision for credit losses, gains from the sale of two Knoxville branches, and expanded capital return through higher dividends and increased share repurchases, while the board approved a higher quarterly dividend for payment in February 2026 and set the 2026 annual stockholders’ meeting for May 18, 2026 in Asheville, North Carolina, underscoring both its financial momentum and shareholder-focused capital strategy.

The most recent analyst rating on (HTB) stock is a Buy with a $54.00 price target. To see the full list of analyst forecasts on Hometrust Bancshares stock, see the HTB Stock Forecast page.

HomeTrust Bancshares Schedules Q4 2025 Earnings Release

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 investors and other stakeholders of its financial performance ahead of that trading day, allowing the market to digest its quarterly results promptly.

The most recent analyst rating on (HTB) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Hometrust Bancshares stock, see the HTB Stock Forecast page.

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.

The most recent analyst rating on (HTB) stock is a Buy with a $47.00 price target. To see the full list of analyst forecasts on Hometrust Bancshares stock, see the HTB Stock Forecast page.