HomeTrust Bancshares, Inc. HTB R2K

Financial Services · Banks - Regional · United States

https://www.htb.com

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services in the United States. It's deposit products include savings, money market, noninterest-bearing, and interest-bearing checking accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises one-to-four-family real estate lending, multifamily, home equity lines of credit, construction and land development, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and land development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, and municipal leases, as well as cash management and online/mobile banking services. In addition, the company invests in debt securities issued by the United States government agencies and government-sponsored enterprises, municipal bonds, corporate bonds, commercial paper, and certificates of deposit insured by the federal deposit insurance corporation. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

Market & Price

Market Cap

$780.94M

Current Price

$46.47

High / Low (52W)

$47.02 / $34.54

Beta

0.82

Valuation

Stock P/E

12.01

Industry PE

12.01

Forward P/E

12.45

PEG Ratio

Book Value

$35.63

Price to Book

1.30

P/S

3.71

EV/EBITDA

Dividend Yield

1.29%

Profitability & Returns

ROCE

ROE

11.50%

ROA

1.49%

Profit Margin

31.62%

Op Margin

40.49%

EPS (Latest Qtr)

$0.99

EPS (TTM)

$3.87

Balance Sheet & Liquidity

Debt/Equity

Quick Ratio

Current Ratio

Debt

$109.01M

Total Assets

$4.55B

Current Assets

Working Capital

Ownership

Promoter Holding

10.20%

Chg in Prom Hold

FII / Inst Holding

62.72%

Chg in FII Hold

Financial Snapshot

Enterprise Value

$565.57M

Total Revenue (TTM)

$210.61M

EBITDA

Free Cash Flow

Operating Cash Flow

$88.67M

Shares Outstanding

16.81M

Gross Margin

0.00%

Payout Ratio

12.92%

Growth (CAGR)

Revenue 5Y

12.15%

Profit 5Y

21.76%

Revenue (YoY)

9.30%

Earnings (YoY)

17.90%

PROS

Excellent profit margin of 31.6%.
Compounding revenue at 12.1% over 5 years.
Profit CAGR of 21.8% over 5 years.
In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP $	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	HTB HomeTrust Bancshares, Inc. R2K	46.47	12.01	$780.94M	1.29%	-	11.50%	12.15%	21.76%
2	JPM JPMorgan Chase & Co. SPX	299.31	14.33	$802.00B	2.00%	-	16.47%	12.50%	14.83%
3	V Visa Inc. SPX	326.36	28.48	$620.65B	0.82%	38.38%	60.35%	10.92%	10.28%
4	MA Mastercard Incorporated SPX	493.98	28.57	$436.47B	0.70%	61.47%	-	13.82%	14.66%
5	MS Morgan Stanley SPX	208.00	18.84	$328.08B	1.92%	-	16.39%	9.52%	15.20%
6	GS The Goldman Sachs Group, Inc. SPX	1,025.56	18.73	$302.55B	1.76%	-	14.55%	7.16%	15.11%
7	WFC Wells Fargo & Company SPX	77.54	11.98	$237.29B	2.32%	-	12.03%	4.02%	15.98%
8	BLK BlackRock, Inc. SPX	1,046.88	26.32	$162.51B	2.19%	4.89%	11.90%	10.65%	2.36%
9	SCHW The Charles Schwab Corporation SPX	87.35	17.37	$151.91B	1.47%	-	19.08%	4.83%	7.21%

Quarterly Results

Figures in USD.

Metric	Mar 2016	Jun 2016	Sep 2016	Dec 2016	Mar 2017	Jun 2017	Sep 2017	Dec 2017	Mar 2018	Jun 2018	Sep 2018	Dec 2018	Mar 2019	Jun 2019	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	-	-	-	-	2.14M	2.35M	2.31M	-	2.80M	2.89M	2.69M	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	51.45M	50.93M	52.91M	-	53.54M	53.96M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	22.99M	20.73M	19.41M	-	19.25M	17.19M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	18.29M	18.43M	21.83M	-	19.84M	20.99M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	4.09M	3.89M	4.62M	-	3.71M	4.22M
Net Income	3.14M	3.30M	3.82M	2.98M	274.00K	4.77M	5.57M	-10.67M	6.13M	7.21M	7.79M	8.04M	3.30M	8.01M	8.80M	9.19M	1.19M	3.60M	5.75M	9.46M	7.87M	-7.41M	10.53M	11.08M	8.02M	6.03M	9.20M	13.66M	6.73M	15.01M	14.83M	15.07M	12.42M	-	14.21M	14.54M	17.21M	16.49M	16.12M	16.77M
Diluted EPS	0.18	-	0.22	0.17	0.01	-	0.30	-0.59	0.32	-	0.41	0.43	0.18	-	0.49	0.52	0.07	-	0.35	0.57	0.48	-	0.65	0.68	0.51	-	0.60	0.90	0.40	0.90	0.88	0.88	0.73	-	0.83	0.84	1.00	0.95	0.93	0.99

Profit & Loss (Annual)

Figures in USD.

Metric	Jun 2010	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Dec 2024	Dec 2025
Revenue	-	-	-	-	-	-	-	9.00M	10.16M	11.13M	10.57M	-	149.97M	186.37M	202.96M	211.53M
Cost of Revenue	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Expenses	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Income	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Interest Expense	-	-	-	-	-	-	-	-	-	-	-	-	5.34M	29.71M	92.11M	79.40M
Pretax Income	-	-	-	-	-	-	-	-	-	-	-	-	45.38M	57.16M	69.91M	80.95M
Tax Provision	-	-	-	-	-	-	-	-	-	-	-	-	9.72M	12.56M	15.11M	16.59M
Net Income	7.04M	-14.74M	4.53M	9.05M	10.34M	8.03M	11.46M	11.85M	8.23M	27.15M	22.78M	-	35.65M	44.60M	54.80M	64.36M
Diluted EPS	-	-	-	0.45	0.54	0.42	0.65	0.65	0.44	1.46	1.30	-	2.23	2.80	3.20	3.72

Compounded Sales Growth

5 Years:	12.15%
1 Year:	9.30%

Compounded Profit Growth

5 Years:	21.76%
1 Year:	17.90%

Stock Price Performance

1 Year:	+30.38%
6 Months:	+12.46%
3 Months:	+10.64%
1 Month:	+2.36%

Balance Sheet (Annual)

Figures in USD.

Metric	Jun 2009	Jun 2010	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Dec 2023	Dec 2024	Dec 2025
Total Assets	-	-	1.64B	1.72B	1.58B	2.07B	2.78B	2.72B	3.21B	3.30B	3.48B	3.72B	-	3.55B	4.61B	4.67B	4.60B	4.55B
Current Assets	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Cash & Equivalents	38.97M	116.83M	34.67M	224.80M	125.71M	45.83M	116.16M	52.60M	86.98M	70.75M	71.04M	121.62M	-	105.12M	336.65M	381.86M	307.76M	343.53M
Inventory	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Receivables	-	-	-	-	-	-	-	-	-	-	-	-	-	-	14.83M	16.90M	18.34M	15.97M
Total Liabilities	-	-	1.47B	1.55B	1.22B	1.70B	2.41B	2.36B	2.81B	2.89B	3.07B	3.31B	-	3.16B	4.14B	4.17B	4.04B	3.94B
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	9.97M	10.02M	10.12M	10.22M
Total Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	210.23M	133.78M	10.12M	10.22M
Total Equity	-	-	167.77M	172.49M	367.51M	377.15M	371.05M	359.98M	397.65M	409.24M	408.90M	408.26M	-	388.85M	471.19M	499.89M	551.76M	600.69M
Shares Outstanding	-	-	-	-	-	-	-	-	-	-	-	-	-	-	17.37M	17.39M	17.53M	17.29M

Cash Flows (Annual)

Figures in USD.

Metric	Jun 2010	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Dec 2024	Dec 2025
Operating Cash Flow	23.21M	32.71M	19.87M	23.93M	23.76M	2.21M	28.92M	15.12M	31.32M	7.63M	-39.09M	-	33.13M	-42.40M	45.44M	49.49M
Investing Cash Flow	54.59M	-19.80M	93.80M	29.42M	-15.10M	-189.78M	-11.11M	-106.76M	-134.02M	-150.49M	-127.91M	-	34.84M	-121.13M	20.81M	110.06M
Financing Cash Flow	66.00K	-95.06M	76.46M	-152.44M	-88.54M	257.89M	-81.38M	126.03M	86.46M	143.16M	217.57M	-	-13.84M	361.91M	-134.17M	-114.08M
Capital Expenditure	1.54M	2.40M	3.22M	-1.58M	-1.69M	-4.94M	-801.00K	-2.82M	-3.46M	-2.12M	-2.92M	-	-9.51M	-14.75M	-16.74M	-6.72M
Free Cash Flow	24.75M	35.11M	23.09M	22.35M	22.07M	-2.72M	28.12M	12.29M	27.86M	5.50M	-42.02M	-	23.62M	-57.15M	28.70M	42.77M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-	-	-	54.13M	198.38M	-67.92M	45.47M
Share Buybacks	-	-	-	-	29.46M	18.47M	27.73M	0	0	30.64M	24.48M	16.16M	43.35M	0	645.00K	13.61M
Dividends Paid	-	-	-	-	-	-	-	0	0	3.18M	4.55M	5.02M	5.45M	6.23M	7.67M	8.38M

Ratios (Annual)

Figures in %.

Metric	Jun 2010	Jun 2011	Jun 2012	Jun 2013	Jun 2014	Jun 2015	Jun 2016	Jun 2017	Jun 2018	Jun 2019	Jun 2020	Jun 2021	Jun 2022	Jun 2023	Dec 2024	Dec 2025
Gross Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Operating Margin %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Net Margin %	-	-	-	-	-	-	-	131.6%	81.1%	243.9%	215.5%	-	23.8%	23.9%	27.0%	30.4%
ROE %	-	-8.8%	2.6%	2.5%	2.7%	2.2%	3.2%	3.0%	2.0%	6.6%	5.6%	-	9.2%	9.5%	9.9%	10.7%
ROCE %	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-

Shareholding Pattern

Insiders

10.20%

Institutions

62.72%

Public Float

69.85%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	Blackrock Inc.	9.49%	1.60M	$74.14M
2	FJ Capital Management LLC	9.25%	1.55M	$72.23M
3	Dimensional Fund Advisors LP	4.98%	836.26K	$38.86M
4	Vanguard Capital Management LLC	4.06%	682.91K	$31.73M
5	Alliancebernstein L.P.	3.29%	552.80K	$25.69M
6	American Century Companies Inc	2.99%	502.31K	$23.34M
7	Renaissance Technologies, LLC	2.77%	466.21K	$21.67M
8	State Street Corporation	2.70%	453.88K	$21.09M
9	Geode Capital Management, LLC	2.10%	352.76K	$16.39M
10	Private Capital Management, LLC	1.45%	244.09K	$11.34M

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