HTB Stock Analysis: HomeTrust Bancshares | NYSE
Banks - Regional | NYSE, USA | Market Cap: 778m USD | 12M Return: 11.6% | US4378721041 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 10.3M
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. (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: 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 September 27, 2026, the stock is trading at USD 46.19 with a total of 118,280 shares traded. Over the past week, the price has changed by -1.89%, over one month by -0.90%, over three months by -5.39% and over the past year by +11.63%.
Current recommended Stop Loss: 44.90 (which is 2.8% or 1.3 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 | 55.3 | 19.6% |
P/E Trailing = 12.3895
P/E Forward = 11.3379
P/S = 3.7055
P/B = 1.2983
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 = 535.0m USD (778.4m + Debt 175.0m - CCE 418.4m)
Interest Coverage Ratio = 1.40 (Ebit TTM 101.3m / Interest Expense TTM 72.3m)
EV/FCF = 5.63x (Enterprise Value 535.0m / FCF TTM 95.0m)
FCF Yield = 17.75% (FCF TTM 95.0m / Enterprise Value 535.0m)
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 535.0m / 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 = 12.14% (E(778.4m)/V(953.4m) * Re(7.44%) + D(175.0m)/V(953.4m) * Rd(41.33%) * (1-Tc(0.20)))
Discount Rate = 7.44% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -34.29 | Cagr: -0.80%
[DCF] Terminal Value 62.36% ; FCFF base≈97.2m ; Y1≈93.1m ; Y5≈89.6m
[DCF] Fair Price = 66.86 (EV 862.0m - Net Debt -243.4m = Equity 1.11b / Shares 16.5m; r=12.14% [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=+1.26% | Revisions=+0% | Analysts=5
EPS current Year (2026-12-31): EPS=3.76 | Chg30d=+3.41% | Revisions=+29% | GrowthEPS=+1.1% | GrowthRev=+2.8%
EPS next Year (2027-12-31): EPS=4.23 | Chg30d=+13.66% | Revisions=+38% | GrowthEPS=+12.4% | GrowthRev=+56.4%
[Analyst] Revisions Ratio: +36% (up=8, down=3)