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Hometrust Bancshares
(NYSE:HTB)
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Rating:73Outperform
Price Target:
$58.00
â–²(19.10% Upside)
Action:Reiterated
Date:08/07/26
The score is driven primarily by strong financial performance (improving profitability and robust TTM cash generation) and a constructive technical trend (price above all key moving averages with positive MACD). Valuation is reasonable with a modest dividend, while revenue softness and balance-sheet/cash-flow volatility remain the main offsets; corporate actions (buybacks and dividend increase) provide additional support.
Positive Factors
Strong cash generation
Very strong trailing-twelve-month cash generation provides durable internal funding for loan growth, dividends, and buybacks without needing external financing. Reliable FCF near net income improves capital allocation flexibility and supports shareholder returns and balance-sheet resilience over months.
Negative Factors
Top-line softness
Persistently negative revenue trends limit sustainable long-term earnings expansion and force reliance on margin gains or capital returns to lift EPS. Without a reversal in loan or fee growth, organic growth may remain constrained, reducing upside from core banking activities.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong cash generation
Very strong trailing-twelve-month cash generation provides durable internal funding for loan growth, dividends, and buybacks without needing external financing. Reliable FCF near net income improves capital allocation flexibility and supports shareholder returns and balance-sheet resilience over months.
Read all positive factors
Hometrust Bancshares (HTB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$830.49M
Dividend Yield1.12%
Average Volume (3M)65.94K
Price to Earnings (P/E)12.9
Beta (1Y)0.79
Revenue Growth-2.39%
EPS Growth11.79%
CountryUS
Employees585
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)3.87
Shares Outstanding16,693,180
10 Day Avg. Volume52,461
30 Day Avg. Volume65,945
Financial Highlights & Ratios
PEG Ratio0.68
Price to Book (P/B)1.21
Price to Sales (P/S)2.49
P/FCF Ratio17.05
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$53.00Price Target Upside8.83% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.77
Revenue Forecast (FY)$215.48M
Hometrust Bancshares Business Overview & Revenue Model
Company Description
HomeTrust Bancshares, Inc. serves as the holding company for HomeTrust Bank, providing a comprehensive array of retail and commercial banking products and services. Its deposit offerings include savings, money market, and demand accounts, along wi...
How the Company Makes Money
Hometrust Bancshares makes money primarily through its banking subsidiary by generating net interest income and noninterest income. Net interest income is earned from the spread between (1) interest income on loans and other interest-earning asset...
Hometrust Bancshares Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
62
Positive
Cash Flow
71
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Jun 2022 | Jun 2021 | Jun 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 287.88M | 292.47M | 295.07M | 216.08M | 155.31M | 159.87M |
| Gross Profit | 210.16M | 206.13M | 194.59M | 170.98M | 150.56M | 151.59M |
| EBITDA | 113.41M | 92.07M | 86.95M | 70.57M | 57.18M | 31.31M |
| Net Income | 65.02M | 64.36M | 54.80M | 44.60M | 35.65M | 15.68M |
Balance Sheet | ||||||
| Total Assets | 4.44B | 4.55B | 4.60B | 4.61B | 3.55B | 3.52B |
| Cash, Cash Equivalents and Short-Term Investments | 418.42M | 480.02M | 459.77M | 488.57M | 450.07M | 437.17M |
| Total Debt | 175.00M | 10.22M | 10.12M | 210.23M | 0.00 | 115.00M |
| Total Liabilities | 3.84B | 3.94B | 4.04B | 4.14B | 3.16B | 3.13B |
| Stockholders Equity | 600.60M | 600.69M | 551.76M | 471.19M | 388.85M | 396.52M |
Cash Flow | ||||||
| Free Cash Flow | 94.97M | 42.77M | 28.23M | -57.15M | 23.62M | -18.40M |
| Operating Cash Flow | 98.94M | 49.49M | 44.97M | -42.40M | 33.13M | 9.56M |
| Investing Cash Flow | 85.53M | 110.06M | 21.28M | -121.13M | 34.84M | 149.50M |
| Financing Cash Flow | -209.13M | -114.08M | -134.17M | 361.91M | -13.84M | -229.69M |
Hometrust Bancshares Technical Analysis
Positive
48.70
Price Trends
49.01
Positive
46.95
Positive
44.61
Positive
Market Momentum
0.45
Positive
49.39
Neutral
12.19
Positive
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 48.7 is below the 20-day moving average (MA) of 50.08, below the 50-day MA of 49.01, and above the 200-day MA of 44.61, indicating a neutral trend. The MACD of 0.45 indicates Positive momentum. The RSI at 49.39 is Neutral, neither overbought nor oversold. The STOCH value of 12.19 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HTB.
Hometrust Bancshares Risk Analysis
Hometrust Bancshares disclosed 35 risk factors in its most recent earnings report. Hometrust Bancshares reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Hometrust Bancshares Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $1.05B | 10.79 | 13.25% | 2.63% | 4.47% | 12.98% | |
76 Outperform | $1.02B | 11.12 | 10.93% | 2.13% | 32.73% | 30.63% | |
75 Outperform | $888.18M | 14.54 | 11.11% | 2.05% | 1.47% | 5.67% | |
75 Outperform | $947.89M | 10.79 | 11.20% | 3.47% | 4.08% | 38.09% | |
73 Outperform | $830.49M | 12.87 | 10.88% | 1.09% | -2.39% | 11.79% | |
68 Neutral | $1.03B | 12.34 | 15.15% | 2.84% | 17.81% | 11.94% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
HTB
Hometrust Bancshares
49.80
10.32
26.13%
CCBG
Capital City Bank
52.33
12.30
30.74%
CCNE
Cnb Financial
34.82
10.27
41.82%
HAFC
Hanmi Financial
32.25
9.00
38.70%
MBWM
Mercantile Bank
61.31
15.61
34.15%
MCBS
MetroCity Bankshares
36.04
8.24
29.64%
Hometrust Bancshares Corporate Events
Business Operations and StrategyStock Buyback
Hometrust Bancshares Announces New Stock Repurchase Program
Positive
Aug 4, 2026
On August 4, 2026, HomeTrust Bancshares, Inc. announced it had completed a 5% stock repurchase program that began in December 2025, buying back 870,000 shares at an average price of $44.49 per share. The completed buyback reduces the company’...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
HomeTrust Bancshares Reports Lower Quarterly Earnings, Higher Dividend
Positive
Jul 23, 2026
HomeTrust Bancshares reported preliminary results for the quarter ended June 30, 2026, with net income declining to $15.6 million from $16.8 million in the prior quarter, as lower noninterest income and higher noninterest expenses, including a los...
Financial Disclosures
HomeTrust Bancshares to Announce Q2 2026 Results
Neutral
Jul 7, 2026
HomeTrust Bancshares, Inc., the holding company for HomeTrust Bank, announced it plans to release its second quarter 2026 earnings results before the U.S. markets open on July 23, 2026. The timing of the disclosure signals the company’s inte...
Executive/Board ChangesShareholder Meetings
HomeTrust Bancshares Announces Board Changes and Governance Votes
Positive
May 19, 2026
On May 18, 2026, HomeTrust Bancshares, Inc. announced that longtime director Robert E. James, Jr. retired from the boards of both the holding company and HomeTrust Bank at the conclusion of the company’s annual meeting of stockholders. The m...
Business Operations and Strategy
Hometrust Bancshares Redeems Junior Subordinated Debt Securities
Positive
May 15, 2026
On May 14, 2026, U.S. Bank Trust Company, National Association, acting as indenture and institutional trustee, notified investors that HomeTrust Bancshares, Inc. will redeem in full its $11.341 million of Junior Subordinated Debt Securities due Ma...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.