HTB Stock Analysis: HomeTrust Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 770m USD | 12M Return: 15.5% | US4378721041 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 9.94M
EPS Trend: 90.9%
Qual. Beats: 0
Rev. Trend: 67.3%
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.7 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. (NYSE: HTB) is the holding company for HomeTrust Bank, a U.S. community bank founded in 1926 and headquartered in Asheville, North Carolina. It provides standard retail and commercial banking products-including checking, savings, money market, and certificate of deposit accounts-alongside a diversified loan portfolio covering residential real estate, multifamily, home equity, construction, indirect auto finance, commercial real estate, and commercial and industrial lending. The company also offers small business administration loans, equipment finance and municipal leases, cash management, and online/mobile banking services.
On the investment side, HomeTrust maintains a securities portfolio of U.S. government agency and government-sponsored enterprise debt, municipal and corporate bonds, commercial paper, and FDIC-insured certificates of deposit-a typical liquidity and yield-management approach for U.S. community banks.
A distinguishing element of HomeTrusts business model is its dedicated healthcare banking vertical, which delivers relationship-based financial services to medical, dental, and veterinary practices across the business lifecycle, from acquisition and ownership transitions through expansion. This specialized niche complements its general community bank franchise and is a notable differentiator within the regional banking sub-industry.
- Net interest margin compresses as Fed cuts rates pressure spreads
- Healthcare banking niche drives fee income and deposit growth
- Southeast commercial loan expansion lifts revenue mix
- Real estate loan credit costs rise on housing market softening
| Net Income: 65.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.06 > 1.0 |
| NWC/Revenue: -1.10k% < 20% (prev -1.20k%; Δ 98.76% < -1%) |
| CFO/TA 0.02 > 3% & CFO 98.9m > Net Income 65.0m |
| Net Debt (-243.4m) to EBITDA (113.4m): -2.15 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (16.6m) vs 12m ago -3.17% < -2% |
| Gross Margin: 73.00% > 18% (prev 68.41%; Δ 4.59% > 0.5%) |
| Asset Turnover: 6.38% > 50% (prev 6.41%; Δ -0.02% > 0%) |
| Interest Coverage Ratio: 1.40 > 6 (EBIT TTM 101.3m / Interest Expense TTM 72.3m) |
| A: -0.71 (Total Current Assets 433.0m - Total Current Liabilities 3.61b) / Total Assets 4.44b |
| B: 0.10 (Retained Earnings 464.3m / Total Assets 4.44b) |
| C: 0.02 (EBIT TTM 101.3m / Avg Total Assets 4.51b) |
| D: 0.16 (Book Value of Equity 600.6m / Total Liabilities 3.84b) |
| Altman-Z'' = -4.03 = D |
| DSRI: 0.10 (Receivables 14.5m/185.2m, Revenue 287.9m/293.4m) |
| GMI: 0.94 (GM 68.41% / 73.00%) |
| AQI: 0.94 (AQ_t 0.89 / AQ_t-1 0.95) |
| SGI: 0.98 (Revenue 287.9m / 293.4m) |
| TATA: -0.01 (NI 65.0m - CFO 98.9m) / TA 4.44b) |
| Beneish M = -3.87 (Cap -4..+1) = AAA |
As of October 06, 2026, the stock is trading at USD 46.53 with a total of 129,014 shares traded. Over the past week, the price has changed by +2.26%, over one month by -2.08%, over three months by -5.54% and over the past year by +15.54%.
Current recommended Stop Loss: 45.30 (which is 2.6% or 1.3 ATR below the current price).
HomeTrust Bancshares has received a consensus analysts rating of 4.00. Therefore, it is recommended to buy HTB.
- StrongBuy: 2
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 55.3 | 18.7% |
P/E Trailing = 12.2283
P/E Forward = 11.3379
P/S = 3.6669
P/B = 1.2446
Revenue TTM = 287.9m USD
EBIT TTM = 101.3m USD
EBITDA TTM = 113.4m USD
Long Term Debt = 10.2m USD (from longTermDebt, last fiscal year)
Short Term Debt = 90.0m USD (from shortTermDebt, two quarters ago)
Debt = 175.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -243.4m USD (calculated: Debt 175.0m - CCE 418.4m)
Enterprise Value = 526.9m USD (770.3m + Debt 175.0m - CCE 418.4m)
Interest Coverage Ratio = 1.40 (Ebit TTM 101.3m / Interest Expense TTM 72.3m)
EV/FCF = 5.55x (Enterprise Value 526.9m / FCF TTM 95.0m)
FCF Yield = 18.02% (FCF TTM 95.0m / Enterprise Value 526.9m)
FCF Margin = 32.99% (FCF TTM 95.0m / Revenue TTM 287.9m)
Net Margin = 22.58% (Net Income TTM 65.0m / Revenue TTM 287.9m)
Gross Margin = 73.00% ((Revenue TTM 287.9m - Cost of Revenue TTM 77.7m) / Revenue TTM)
Gross Margin QoQ = 75.77% (prev 75.45%)
Tobins Q-Ratio = 0.12 (Enterprise Value 526.9m / Total Assets 4.44b)
Interest Expense / Debt = 41.33% (Interest Expense 72.3m / Debt 175.0m)
Taxrate = 20.05% (16.3m / 81.3m)
NOPAT = 81.0m (EBIT 101.3m * (1 - 20.05%))
Current Ratio = 0.12 (Total Current Assets 433.0m / Total Current Liabilities 3.61b)
Debt / Equity = 0.29 (Debt 175.0m / totalStockholderEquity, last quarter 600.6m)
Debt / EBITDA = -2.15 (Net Debt -243.4m / EBITDA 113.4m)
Debt / FCF = -2.56 (Net Debt -243.4m / FCF TTM 95.0m)
Total Stockholder Equity = 597.4m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.44% (Net Income 65.0m / Total Assets 4.44b)
RoE = 10.88% (Net Income TTM 65.0m / Total Stockholder Equity 597.4m)
RoCE = 16.68% (EBIT 101.3m / Capital Employed (Equity 597.4m + L.T.Debt 10.2m))
RoIC = 9.89% (NOPAT 81.0m / Invested Capital 819.0m)
WACC = 12.17% (E(770.3m)/V(945.3m) * Re(7.43%) + D(175.0m)/V(945.3m) * Rd(41.33%) * (1-Tc(0.20)))
Discount Rate = 7.43% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -34.29 | Cagr: -0.80%
[DCF] Terminal Value 62.27% ; FCFF base≈97.2m ; Y1≈93.1m ; Y5≈89.6m
[DCF] Fair Price = 66.69 (EV 859.2m - Net Debt -243.4m = Equity 1.10b / Shares 16.5m; r=12.17% [WACC]; 5y FCF grow -5.54% → 2.50% )
EPS Correlation: 90.90 | EPS CAGR: 10.94% | SUE: 0.54 | # QB: 0
Revenue Correlation: 67.28 | Revenue CAGR: 4.34% | SUE: N/A | # QB: 0
EPS current Quarter (2026-09-30): EPS=0.91 | Chg30d=+0.00% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=3.76 | Chg30d=+0.00% | Revisions=+29% | GrowthEPS=+1.1% | GrowthRev=+2.8%
EPS next Year (2027-12-31): EPS=4.23 | Chg30d=+0.00% | Revisions=+38% | GrowthEPS=+12.4% | GrowthRev=+56.4%
[Analyst] Revisions Ratio: +36% (up=8, down=3)