HTB Stock Analysis: HomeTrust Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 831m USD | 12M Return: 29.2% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.74M
EPS Trend: 88.2%
Qual. Beats: 1
Rev. Trend: 76.4%
Warnings
Tailwinds
No distinct edge detected
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
HomeTrust Bancshares, Inc. (HTB) is a bank holding company based in Asheville, North Carolina, that operates through its wholly owned subsidiary, HomeTrust Bank. The company provides a broad range of retail and commercial banking products and services across the United States, including savings, money market, checking, and certificate of deposit accounts for individuals, businesses, and nonprofit organizations. As a regional bank, HomeTrust focuses on relationship-based lending in its local markets, with a loan portfolio spanning residential mortgages, multifamily lending, home equity lines of credit, construction and land development, indirect auto finance, consumer loans, and various commercial lending categories including commercial real estate, commercial and industrial loans, SBA loans, equipment finance leases, and municipal leases. The company complements its core lending and deposit activities with cash management, online, and mobile banking services, and maintains an investment securities portfolio consisting of U.S. government agency debt, government-sponsored enterprise securities, municipal bonds, corporate bonds, commercial paper, and FDIC-insured certificates of deposit. Founded in 1926, HomeTrust operates as a publicly traded community-focused regional bank.
- Net interest margin compresses on rising deposit costs
- Commercial real estate loan portfolio faces credit risk
- Loan growth accelerates across North Carolina footprint
| Net Income: 66.6m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.49 > 1.0 |
| NWC/Revenue: -1.09k% < 20% (prev -1.05k%; Δ -43.76% < -1%) |
| CFO/TA 0.02 > 3% & CFO 88.6m > Net Income 66.6m |
| Net Debt (-447.7m) to EBITDA (115.7m): -3.87 < 3 |
| Current Ratio: 0.13 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.7m) vs 12m ago -2.32% < -2% |
| Gross Margin: 71.93% > 18% (prev 66.23%; Δ 5.70% > 0.5%) |
| Asset Turnover: 6.50% > 50% (prev 6.46%; Δ 0.04% > 0%) |
| Interest Coverage Ratio: 1.36 > 6 (EBIT TTM 103.5m / Interest Expense TTM 75.9m) |
| A: -0.72 (Total Current Assets 472.6m - Total Current Liabilities 3.64b) / Total Assets 4.39b |
| B: 0.10 (Retained Earnings 451.1m / Total Assets 4.39b) |
| C: 0.02 (EBIT TTM 103.5m / Avg Total Assets 4.47b) |
| D: 0.16 (Book Value of Equity 592.4m / Total Liabilities 3.79b) |
| Altman-Z'' = -4.08 = D |
| DSRI: 0.10 (Receivables 14.6m/181.8m, Revenue 290.9m/294.6m) |
| GMI: 0.92 (GM 66.23% / 71.93%) |
| AQI: 1.05 (AQ_t 0.88 / AQ_t-1 0.84) |
| SGI: 0.99 (Revenue 290.9m / 294.6m) |
| TATA: -0.01 (NI 66.6m - CFO 88.6m) / TA 4.39b) |
| Beneish M = -3.82 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 49.00 with a total of 132,477 shares traded. Over the past week, the price has changed by -0.85%, over one month by +3.95%, over three months by +12.88% and over the past year by +29.21%.
Current recommended Stop Loss: 47.70 (which is 2.7% or 1.2 ATR below the current price).
HomeTrust Bancshares has received a consensus analysts rating of 4.40. Therefore, it is recommended to buy HTB.
- StrongBuy: 3
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 50.1 | 2.2% |
P/E Trailing = 12.7726
P/E Forward = 11.7509
P/S = 3.9442
P/B = 1.4022
Revenue TTM = 290.9m USD
EBIT TTM = 103.5m USD
EBITDA TTM = 115.7m USD
Long Term Debt = 10.2m USD (from longTermDebt, last quarter)
Short Term Debt = 90.0m USD (from shortTermDebt, last quarter)
Debt = 10.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -447.7m USD (calculated: Debt 10.2m - CCE 458.0m)
Enterprise Value = 382.9m USD (830.7m + Debt 10.2m - CCE 458.0m)
Interest Coverage Ratio = 1.36 (Ebit TTM 103.5m / Interest Expense TTM 75.9m)
EV/FCF = 4.55x (Enterprise Value 382.9m / FCF TTM 84.2m)
FCF Yield = 21.99% (FCF TTM 84.2m / Enterprise Value 382.9m)
FCF Margin = 28.95% (FCF TTM 84.2m / Revenue TTM 290.9m)
Net Margin = 22.90% (Net Income TTM 66.6m / Revenue TTM 290.9m)
Gross Margin = 71.93% ((Revenue TTM 290.9m - Cost of Revenue TTM 81.6m) / Revenue TTM)
Gross Margin QoQ = 75.45% (prev 70.72%)
Tobins Q-Ratio = 0.09 (Enterprise Value 382.9m / Total Assets 4.39b)
Interest Expense / Debt = 740.5% (Interest Expense 75.9m / Debt 10.2m)
Taxrate = 20.26% (16.9m / 83.5m)
NOPAT = 82.6m (EBIT 103.5m * (1 - 20.26%))
Current Ratio = 0.13 (Total Current Assets 472.6m / Total Current Liabilities 3.64b)
Debt / Equity = 0.02 (Debt 10.2m / totalStockholderEquity, last quarter 592.4m)
Debt / EBITDA = -3.87 (Net Debt -447.7m / EBITDA 115.7m)
Debt / FCF = -5.32 (Net Debt -447.7m / FCF TTM 84.2m)
Total Stockholder Equity = 592.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.49% (Net Income 66.6m / Total Assets 4.39b)
RoE = 11.25% (Net Income TTM 66.6m / Total Stockholder Equity 592.1m)
RoCE = 17.19% (EBIT 103.5m / Capital Employed (Equity 592.1m + L.T.Debt 10.2m))
RoIC = 10.04% (NOPAT 82.6m / Invested Capital 822.3m)
WACC = 7.92% (E(830.7m)/V(840.9m) * Re(8.02%) + (debt cost/tax rate unavailable))
Discount Rate = 8.02% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 43.19 | Cagr: -0.29%
[DCF] Terminal Value 73.10% ; FCFF base≈94.5m ; Y1≈82.8m ; Y5≈66.9m
[DCF] Fair Price = 90.56 (EV 1.07b - Net Debt -447.7m = Equity 1.52b / Shares 16.8m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 88.19 | EPS CAGR: 15.47% | SUE: 1.87 | # QB: 1
Revenue Correlation: 76.35 | Revenue CAGR: 8.56% | SUE: N/A | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.87 | Chg30d=+0.00% | Revisions=+29% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.89 | Chg30d=+0.73% | Revisions=+0% | Analysts=4
EPS current Year (2026-12-31): EPS=3.64 | Chg30d=-0.05% | Revisions=+29% | GrowthEPS=-2.1% | GrowthRev=+0.8%
EPS next Year (2027-12-31): EPS=3.73 | Chg30d=+0.00% | Revisions=-40% | GrowthEPS=+2.5% | GrowthRev=+2.7%
[Analyst] Revisions Ratio: +12% (up=8, down=6)