(HTB) HomeTrust Bancshares - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 761m USD | Total Return: 33.8% in 12m
Avg Turnover: 2.61M
EPS Trend: 88.2%
Qual. Beats: 1
Rev. Trend: 76.4%
Warnings
No concerns identified
Tailwinds
Supp Ema20
HomeTrust Bancshares, Inc. (HTB) is a regional bank holding company headquartered in Asheville, North Carolina. Founded in 1926, the institution operates through HomeTrust Bank, offering a diversified suite of retail and commercial banking products across the Southeastern United States. Its primary operations involve gathering deposits through various checking and savings vehicles and deploying capital into a broad loan portfolio that includes residential mortgages, commercial real estate, and municipal leases.
The company functions within the regional banking sub-industry, where profitability is largely driven by the net interest margin-the difference between interest earned on loans and interest paid on deposits. Unlike larger money-center banks, regional players like HomeTrust often focus on community-based relationship lending and specialized financing, such as Small Business Administration (SBA) loans and equipment leasing. This business model relies heavily on local economic conditions and the credit quality of regional real estate markets.
Investors may find it useful to examine the companys historical valuation trends on ValueRay. In addition to its lending activities, HomeTrust manages an investment portfolio composed of U.S. government agency debt, municipal bonds, and corporate paper to maintain liquidity and generate supplemental income.
- Net interest margin expansion driven by commercial loan yield repricing
- Asset quality stability across North Carolina and regional real estate markets
- Commercial and industrial loan growth offsets residential mortgage volume declines
- Disciplined expense management and branch optimization improve efficiency ratio
| 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: -1.24k% < 20% (prev -1.05k%; Δ -192.8% < -1%) |
| CFO/TA 0.02 > 3% & CFO 88.6m > Net Income 66.6m |
| Net Debt (-64.0m) to EBITDA (100.5m): -0.64 < 3 |
| Current Ratio: 0.05 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.7m) vs 12m ago -2.32% < -2% |
| Gross Margin: 71.93% > 18% (prev 0.66%; Δ 7.13k% > 0.5%) |
| Asset Turnover: 6.50% > 50% (prev 6.46%; Δ 0.04% > 0%) |
| Interest Coverage Ratio: 1.10 > 6 (EBITDA TTM 100.5m / Interest Expense TTM 75.9m) |
| A: -0.82 (Total Current Assets 178.9m - Total Current Liabilities 3.78b) / Total Assets 4.39b |
| B: 0.10 (Retained Earnings 451.1m / Total Assets 4.39b) |
| C: 0.02 (EBIT TTM 83.5m / Avg Total Assets 4.47b) |
| D: 0.12 (Book Value of Equity 451.2m / Total Liabilities 3.79b) |
| Altman-Z'' = -4.80 = D |
| DSRI: 0.08 (Receivables 14.6m/181.8m, Revenue 290.9m/294.6m) |
| GMI: 0.92 (GM 71.93% / 66.23%) |
| AQI: 1.12 (AQ_t 0.95 / 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 = -3.79 (Cap -4..+1) = AAA |
As of May 24, 2026, the stock is trading at USD 46.72 with a total of 42,956 shares traded.
Over the past week, the price has changed by +3.38%,
over one month by +5.20%,
over three months by +10.63% and
over the past year by +33.84%.
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 | 7.1% |
P/E Forward = 11.3379
P/S = 3.6146
P/B = 1.3072
Revenue TTM = 290.9m USD
EBIT TTM = 83.5m USD
EBITDA TTM = 100.5m USD
Long Term Debt = 10.1m USD (from longTermDebt, last fiscal year)
Short Term Debt = 90.0m USD (from shortTermDebt, last quarter)
Debt = 100.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -64.0m USD (calculated: Debt 100.2m - CCE 164.2m)
Enterprise Value = 697.3m USD (761.3m + Debt 100.2m - CCE 164.2m)
Interest Coverage Ratio = 1.10 (Ebit TTM 83.5m / Interest Expense TTM 75.9m)
EV/FCF = 8.28x (Enterprise Value 697.3m / FCF TTM 84.2m)
FCF Yield = 12.08% (FCF TTM 84.2m / Enterprise Value 697.3m)
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 = 0.16 (Enterprise Value 697.3m / Total Assets 4.39b)
Interest Expense / Debt = 75.68% (Interest Expense 75.9m / Debt 100.2m)
Taxrate = 20.10% (4.22m / 21.0m)
NOPAT = 66.7m (EBIT 83.5m * (1 - 20.10%))
Current Ratio = 0.05 (Total Current Assets 178.9m / Total Current Liabilities 3.78b)
Debt / Equity = 0.17 (Debt 100.2m / totalStockholderEquity, last quarter 592.4m)
Debt / EBITDA = -0.64 (Net Debt -64.0m / EBITDA 100.5m)
Debt / FCF = -0.76 (Net Debt -64.0m / 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 = 13.87% (EBIT 83.5m / Capital Employed (Equity 592.1m + L.T.Debt 10.1m))
RoIC = 12.52% (NOPAT 66.7m / Invested Capital 532.9m)
WACC = 7.34% (E(761.3m)/V(861.5m) * Re(8.31%) + (debt cost/tax rate unavailable))
Discount Rate = 8.31% (= 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 = 67.73 (EV 1.07b - Net Debt -64.0m = Equity 1.14b / 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=+5.21% | Revisions=+25% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.89 | Chg30d=+1.84% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=3.64 | Chg30d=+7.04% | Revisions=+25% | GrowthEPS=-2.1% | GrowthRev=+1.0%
EPS next Year (2027-12-31): EPS=3.73 | Chg30d=+1.00% | Revisions=-33% | GrowthEPS=+2.5% | GrowthRev=+2.5%
[Analyst] Revisions Ratio: -33%