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HomeTrust Bancshares, Inc. HTB R2KR3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.htb.com
Company Profile ↓
$47.25
+19.70% 1Y
Mkt Cap$788.75M
P/E12.40
P/B1.38
Div. Yield1.20%
52W High$51.69
52W Low$37.99
Book Value$36.23
EPS (TTM)$3.81

Company Overview

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. Further it provides healthcare banking, designed to serve the distinct financial needs of healthcare practices and professionals; provides customized financial solutions and relationship-driven support for medical, dental, and veterinary practices throughout each stage of the business lifecycle, from acquisition and ownership transition to expansion and long-term operations. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 15.9% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 12.4, below the sector median of 14.5.

Healthy Margins

Maintains a net profit margin of 30.9%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Trailing 12 Months Year-on-year growth — revenue -1.0%, earnings -6.0%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.6%, profit CAGR 15.9%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.62%
1 Year:-1.00%

Compounded Profit Growth

5 Years:15.90%
1 Year:-6.00%

Stock Price Performance

1 Year:+19.70%
6 Months:+11.96%
3 Months:+0.37%
1 Month:-8.19%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 68% of range
$37.99 $51.69
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)43.83 · Neutral
Price Performance
1M-8.19%
3M+0.37%
6M+11.96%
1Y+19.70%
Valuation vs Sector

P/E of 12.40 is below the sector median of 14.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 30.9%.
  • Profit CAGR of 15.9% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
12.40
Industry PE
14.52
Forward P/E
12.33
PEG Ratio
-
Book Value
$36.23
Price to Book
1.38
P/S
3.97
EV/EBITDA
-
Dividend Yield
1.20%

Growth (CAGR)

Revenue 5Y
3.62%
Profit 5Y
15.90%
Revenue (YoY)
-1.00%
Earnings (YoY)
-6.00%

Profitability & Returns

ROCE
-
ROE
11.02%
ROA
1.44%
Profit Margin
30.95%
Op Margin
38.87%
Gross Margin
0.00%
EPS (Latest Qtr)
$0.94
EPS (TTM)
$3.81

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$183.36M
Total Assets
$4.44B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
10.41%
Chg in Prom Hold
0.10%
FII / Inst Holding
63.73%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$788.75M
Total Revenue (TTM)
$210.07M
EBITDA
-
Free Cash Flow
$45.32M
Operating Cash Flow
$98.73M
Shares Outstanding
16.69M
Gross Margin
0.00%
Payout Ratio
13.91%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HTB HomeTrust Bancshares, Inc. R2KR3KFINANCIAL 47.25 12.40 $788.75M 1.20% - 11.02% 3.62% 15.90%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 358.64 15.37 $953.34B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 506.03 15.07 $707.59B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 374.00 31.86 $637.34B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 579.21 31.82 $503.60B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 62.68 14.48 $438.31B 2.03% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 759,350.00 15.07 $384.00B 0.00% - 10.50% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 107.11 15.30 $367.34B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 217.72 17.59 $342.26B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026Jun 2026
Revenue -------2.14M2.35M2.31M-2.80M2.89M2.69M--------------------------
Net Income 2.45M3.14M3.30M3.82M2.98M274.00K4.77M5.57M-10.67M6.13M7.21M7.79M8.04M3.30M8.01M8.80M9.19M1.19M3.60M5.75M9.46M7.87M-7.41M10.53M11.08M8.02M6.03M9.20M13.66M6.73M15.01M14.83M15.07M12.42M13.11M14.54M17.21M16.49M16.77M15.63M
Diluted EPS 0.140.18-0.220.170.01-0.30-0.590.32-0.410.430.18-0.490.520.07-0.350.570.48-0.650.680.51-0.600.900.400.900.880.880.730.760.841.000.950.990.94

Profit & Loss (Annual)

Figures in USD.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Dec 2024Dec 2025
Revenue -------9.00M10.16M11.13M10.57M10.37M----
Net Income 7.04M-14.74M4.53M9.05M10.34M8.03M11.46M11.85M8.23M27.15M22.78M15.68M35.65M44.60M54.80M64.36M
Diluted EPS ---0.450.540.420.650.650.441.461.300.942.232.803.203.72

Balance Sheet (Annual)

Figures in USD.

Metric Jun 2009Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Dec 2023Dec 2024Dec 2025
Total Assets --1.64B1.72B1.58B2.07B2.78B2.72B3.21B3.30B3.48B3.72B3.52B3.55B4.61B4.67B4.60B4.55B
Total Equity --167.77M172.49M367.51M377.15M371.05M359.98M397.65M409.24M408.90M408.26M396.52M388.85M471.19M499.89M551.76M600.69M
Cash & Equivalents 38.97M116.83M34.67M224.80M125.71M45.83M116.16M52.60M86.98M70.75M71.04M121.62M50.99M105.12M303.50M347.14M279.22M324.69M
Total Liabilities --1.47B1.55B1.22B1.70B2.41B2.36B2.81B2.89B3.07B3.31B3.13B3.16B4.14B4.17B4.04B3.94B

Cash Flows (Annual)

Figures in USD.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Dec 2024Dec 2025
Operating Cash Flow 23.21M32.71M19.87M23.93M23.76M2.21M28.92M15.12M31.32M7.63M-39.09M9.56M39.11M-32.89M45.44M49.49M
Investing Cash Flow 54.59M-19.80M93.80M29.42M-15.10M-189.78M-11.11M-106.76M-134.02M-150.49M-127.91M149.50M28.86M-130.64M20.81M110.06M
Financing Cash Flow 66.00K-95.06M76.46M-152.44M-88.54M257.89M-81.38M126.03M86.46M143.16M217.57M-229.69M-13.84M361.91M-134.17M-114.08M
Capital Expenditure 1.54M2.40M3.22M-1.58M-1.69M-4.94M-801.00K-2.82M-3.46M-2.12M-2.92M-16.08M-6.61M-3.42M-3.04M-4.17M
Free Cash Flow 24.75M35.11M23.09M22.35M22.07M-2.72M28.12M12.29M27.86M5.50M-42.02M-6.52M32.50M-36.31M42.40M45.32M
Share Buybacks ----29.46M18.47M27.73M0030.64M24.48M16.16M43.35M0645.00K13.61M
Dividends Paid -------003.18M4.55M5.02M5.45M6.23M7.67M8.38M

Ratios (Annual)

Figures in %.

Metric Jun 2010Jun 2011Jun 2012Jun 2013Jun 2014Jun 2015Jun 2016Jun 2017Jun 2018Jun 2019Jun 2020Jun 2021Jun 2022Jun 2023Dec 2024Dec 2025
Gross Margin % ----------------
Operating Margin % ----------------
Net Margin % -------131.6%81.1%243.9%215.5%151.1%----
ROE % --8.8%2.6%2.5%2.7%2.2%3.2%3.0%2.0%6.6%5.6%4.0%9.2%9.5%9.9%10.7%
ROCE % ----------------

Shareholding Pattern

Insiders
10.41%
Institutions
63.73%
Public Float
71.13%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 10.05% 1.68M $78.71M
2 Dimensional Fund Advisors LP 5.13% 856.61K $40.18M
3 FJ Capital Management LLC 5.03% 839.12K $39.36M
4 Vanguard Capital Management LLC 3.86% 644.31K $30.22M
5 American Century Companies Inc 3.33% 556.44K $26.10M
6 Alliancebernstein L.P. 2.87% 479.58K $22.50M
7 State Street Corporation 2.77% 462.91K $21.72M
8 Renaissance Technologies, LLC 2.62% 436.81K $20.49M
9 Geode Capital Management, LLC 2.20% 366.68K $17.20M
10 Nuveen, LLC 1.66% 276.69K $12.98M

Analyst View

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Latest News

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HTB — Frequently Asked Questions

What is the current share price of HomeTrust Bancshares, Inc. (HTB)?

As of 2026-09-07 16:24 PDT, HomeTrust Bancshares, Inc. (HTB) trades at $47.25 on NYSE. Its 52-week range is $37.99 to $51.69.

What is the market capitalisation of HTB?

HomeTrust Bancshares, Inc. (HTB) has a market capitalisation of $788.75M on NYSE.

What is the P/E ratio of HTB?

HTB trades at a trailing price-to-earnings (P/E) ratio of 12.40. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 1.38.

Does HTB pay a dividend?

HomeTrust Bancshares, Inc. (HTB) currently offers a dividend yield of 1.20%.

What is the return on equity (ROE) of HTB?

HTB has a return on equity (ROE) of 11.02%.

Is HTB a good stock to buy?

This page provides a data-driven analysis of HomeTrust Bancshares, Inc. (HTB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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