HTB

NEUTRAL

$45.73 Live

HomeTrust Bancshares, Inc. · NYSE

Target $50.06 (+9.5%)

$33.42 52W Range $47.64

HTB HomeTrust Bancshares, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

HTB Stock | Fundamental Analysis & Investment Insights

NYSE • Financial Services • Banks - Regional

Current Price Live

$45.73

Analyst Target

$50.06

+9.5% Upside

52W High

$47.64

52W Low

$33.42

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 28, 2026

Market cap

$768.41M

P/E

11.82

ROE

11.5%

Profit margin

31.6%

Debt/Equity

N/A

Dividend yield

1.31%

AI Analysis

AI-powered fundamental assessment

Confidence

80%

HTB presents a stark contrast between strong valuation and weak fundamental health, highlighted by a critical Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($55.29) and Intrinsic Value ($114.17), the low health score and bearish technical trend (10/100) suggest underlying operational or liquidity deterioration. Strong earnings growth (17.9% YoY) and a consistent track record of beating estimates provide a bullish counter-narrative, but the lack of insider buying and poor health metrics warrant a cautious approach.

Key Strengths

Significant undervaluation relative to Graham Number and Intrinsic Value

Strong earnings growth trajectory (17.9% YoY) and consistent EPS beats

Healthy profitability metrics with ROE at 11.50% and ROA at 1.49%

Very low dividend payout ratio (12.92%), indicating high dividend safety

Positive long-term price performance (85.6% 5-year change)

Key Risks

Severe fundamental health warning indicated by Piotroski F-Score of 2/9

Strongly bearish technical trend (10/100) suggesting negative momentum

Bearish insider sentiment with selling activity and zero recent buys

Exposure to regional banking risks (CET1 and ACL volatility)

Low dividend yield (1.31%) provides little cushion during price volatility

AI Fair Value Estimate

Based on comprehensive analysis

$62.5

+36.7% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Strong

Value

Future

Past

Health

Dividend

AI Verdict

Value Trap Risk

Key drivers: Deep valuation discount, Critical Piotroski health failure, Strong earnings growth, Bearish technicals

Confidence

85%

Value

85/100

Ref P/E 11.82, Graham Number $55.29

Positives

Price $45.73 is well below Graham Number $55.29
P/E of 11.82 is conservative for the growth rate

Watchpoints

Price/Book of 1.30 is moderate

Future

75/100

Ref Growth rates and Earnings Track Record

Positives

17.9% YoY Earnings Growth
Consistent quarterly earnings surprises (3/4 beats)

Watchpoints

Forward P/E slightly higher than trailing P/E

Past

80/100

Ref Historical price performance

Positives

Strong 1Y (+37.7%) and 3Y (+129.2%) returns
Long-term EPS progression is positive

Watchpoints

Recent 1-week momentum is flat

Health

20/100

Ref Piotroski F-Score

Positives

Positive ROA

Watchpoints

Piotroski F-Score of 2/9 indicates weak financial health

Dividend

40/100

Ref Yield and Payout

Positives

Very low payout ratio (12.92%)

Watchpoints

Low yield (1.31%) compared to typical regional bank premiums

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$45.73

Analyst Target

$50.06

Upside/Downside

+9.5%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for HTB and closest competitors.

Updated 2026-04-27

Company	5Y	3Y	1Y	6M	1M	1W
HTB HomeTrust Bancshares, Inc. Primary	+85.6%	+129.2%	+37.7%	+13.6%	+8.8%	+0.6%
WRLD World Acceptance Corporation Peer	+15.9%	+62.6%	+17.4%	-1.9%	+12.2%	+16.2%
AXG Solowin Holdings Peer	-32.4%	-32.4%	+152.2%	+8.9%	-3.8%	-4.0%
FFC Flaherty & Crumrine Preferred Securities Income Fund Inc. Peer	-1.0%	+43.8%	+14.2%	+0.5%	+3.7%	-0.4%
ORRF Orrstown Financial Services, Inc. Peer	+97.5%	+126.2%	+49.2%	+18.0%	+11.3%	+0.7%

HTB

HomeTrust Bancshares, Inc.

Primary

+85.6%

+129.2%

+37.7%

+13.6%

+8.8%

+0.6%

WRL

World Acceptance Corporation

Peer

+15.9%

+62.6%

+17.4%

-1.9%

+12.2%

+16.2%

AXG

Solowin Holdings

Peer

-32.4%

+152.2%

+8.9%

-3.8%

-4.0%

FFC

Flaherty & Crumrine Preferred Securities Income Fund Inc.

Peer

-1.0%

+43.8%

+14.2%

+0.5%

+3.7%

-0.4%

ORR

Orrstown Financial Services, Inc.

Peer

+97.5%

+126.2%

+49.2%

+18.0%

+11.3%

+0.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

11.82

12.25

N/A

1.3

3.65

2.59

N/A

$768.41M

Profitability

Profit margins and return metrics

Profit Margin 31.62%

Operating Margin 40.49%

Gross Margin N/A

ROE 11.5%

ROA 1.49%

Growth

Revenue and earnings growth rates

Revenue Growth +9.3%

Earnings Growth +17.9%

Q/Q Revenue Growth +5.73%

Q/Q Earnings Growth +15.4%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$18.9

Quarterly Earnings History

EPS performance vs analyst estimates

2026-07-22

$N/A

2026-04-23

$0.99

+20.7% surprise

2026-01-22

$0.93

+7.6% surprise

2025-10-22

$0.95

+9.4% surprise

Financial Services Sector Comparison

Comparing HTB against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)

P/E Ratio

11.82

This Stock

36.01

Sector Avg

-67.2% (Discount)

Return on Equity (ROE)

11.5%

This Stock

-0.73%

Sector Avg

-1670.0% (Below Avg)

Profit Margin

31.62%

This Stock

91.62%

Sector Avg

-65.5% (Weaker)

Revenue Growth

9.3%

This Stock

35.27%

Sector Avg

-73.6% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
HTB HomeTrust Bancshares, Inc.	NEUTRAL	$768.41M	11.82	11.5%	31.6%	$45.73
WRLD World Acceptance Corporation	BEARISH	$766.19M	19.55	11.0%	7.5%	$152.08	Compare
AXG Solowin Holdings	BEARISH	$771.41M	-	-3.7%	-90.3%	$4.11	Compare
FFC Flaherty & Crumrine...	NEUTRAL	$773.74M	10.85	8.5%	79.6%	$16.06	Compare
ORRF Orrstown Financial Services, Inc.	BULLISH	$759.09M	9.26	14.6%	32.1%	$38.69	Compare

HTB HomeTrust...

NEUTRAL

Mkt Cap

$768M

P/E

11.8

ROE

11.5%

Price

$45.73

Compare with HTB

Compare with HTB

Compare with HTB

Compare with HTB

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-02-11	WESTBROOK C. HUNTER	Chief Executive Officer	Stock Award	20,540	-
2026-02-11	VANCANNON TONY J.	Chief Financial Officer	Stock Award	3,951	-
2026-02-11	POWELL KRISTIN Y	Officer	Stock Award	3,477	-
2026-02-11	PELLETIER MEGAN	Chief Operating Officer	Stock Award	4,933	-
2026-02-11	SPRINK JOHN FRANCIS II	Officer	Stock Award	3,352	-
2026-02-11	JEX LORA	Officer	Stock Award	2,407	-
2026-02-11	SIVLEY CHARLES F JR.	Chief Technology Officer	Stock Award	2,329	-
2026-02-11	NUNLEY KEVIN M.	Officer	Stock Award	2,407	-
2026-02-06	SPRINK JOHN FRANCIS II	Officer	Sale	2,000	$90,000
2026-02-06	SPRINK JOHN FRANCIS II	Officer	Option Exercise	2,000	$34,700

WESTBROOK C. HUNTER

Chief Executive Officer

Stock Award

2026-02-11

20,540 shares

VANCANNON TONY J.

Chief Financial Officer

Stock Award

2026-02-11

3,951 shares

POWELL KRISTIN Y

Officer

Stock Award

2026-02-11

3,477 shares

PELLETIER MEGAN

Chief Operating Officer

Stock Award

2026-02-11

4,933 shares

SPRINK JOHN FRANCIS II

Officer

Stock Award

2026-02-11

3,352 shares

JEX LORA

Officer

Stock Award

2026-02-11

2,407 shares

SIVLEY CHARLES F JR.

Chief Technology Officer

Stock Award

2026-02-11

2,329 shares

NUNLEY KEVIN M.

Officer

Stock Award

2026-02-11

2,407 shares

SPRINK JOHN FRANCIS II

Officer

Sell

2026-02-06

2,000 shares · $90,000

SPRINK JOHN FRANCIS II

Officer

Option Exercise

2026-02-06

2,000 shares · $34,700

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-23

HTB filed an 8-K on April 23, 2026, likely to announce its first-quarter financial results.

8-K

2026-04-07

HTB likely filed this 8-K to announce its first-quarter financial results for 2026.

DEF 14A

2026-04-07

HTB filed a Definitive Proxy Statement on April 7, 2026, providing shareholders with necessary information and voting materials for the upcoming annual meeting.

10-K

2026-03-13

HTB filed its 10-K on March 13, 2026, identifying as a financial institution through the use of banking-specific terminology such as Common Equity Tier 1 (CET1) and Allowance for Credit Losses (ACL). The provided excerpts are limited to the filing's table of contents and glossary, and do not contain specific financial performance data or detailed risk disclosures.

8-K

2026-02-11

HTB likely reported its fourth-quarter and full-year financial results for the fiscal year ending 2025.

8-K

2026-01-22

HTB filed an 8-K on January 22, 2026, likely to announce its fourth-quarter and full-year financial results.

8-K

2026-01-08

8-K

2025-12-16

10-Q

2025-11-06

HTB's 10-Q filing outlines standard financial reporting for a banking institution, focusing on regulatory metrics such as Common Equity Tier 1 (CET1) and Current Expected Credit Losses (CECL). The provided excerpts do not contain specific financial results or detailed risk disclosures beyond the table of contents and a glossary of banking terms.

8-K

2025-10-22

HTB likely filed this 8-K to announce its third-quarter financial results for the period ending September 30, 2025.

8-K

2025-10-06

10-Q

2025-08-08

8-K

2025-07-28

8-K

2025-07-22

8-K

2025-07-07

Data sourced from SEC EDGAR. AI summaries generated automatically.

Past News Coverage

Recent headlines mentioning HTB from our newsroom.

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HTB

HTB HomeTrust Bancshares, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Past News Coverage

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