HomeTrust Bancshares, Inc. (HTB)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
HomeTrust Bancshares, Inc. (HTB) trades at $49.38 with AI Score 81/100 (Grade A+). HomeTrust Bancshares, Inc. is a bank holding company operating through HomeTrust Bank, providing retail and commercial banking services. Market cap: $829.93M, Sector: Financial services.
Price live · AI analysis from May 10, 2026HTB stock analysis for 2026: Analysts have set a consensus price target of $48.17 for HomeTrust Bancshares, Inc., suggesting 2.5% downside from the current price of $49.38. The AI MoonshotScore is 81/100, indicating a strong bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
HTB: 1/1 perspectives are bullish.
How is this calculated? →HomeTrust Bancshares, Inc. (HTB) Financial Services Profile
HomeTrust Bancshares, Inc., founded in 1926, operates as a regional bank holding company, offering diverse retail and commercial banking services. With a focus on community banking across North Carolina, South Carolina, Tennessee, and Virginia, HomeTrust distinguishes itself through its localized approach and comprehensive financial solutions.
What Is the Investment Thesis for HTB?
HomeTrust Bancshares, Inc. presents an investment opportunity rooted in its established regional presence and diversified banking services. With a market capitalization of $829.93M and a P/E ratio of 15.2, the company demonstrates stable financial metrics. A profit margin of 22.9% and a gross margin of 71.9% indicate efficient operations. Key growth catalysts include expanding its loan portfolio and enhancing digital banking services. Potential risks involve interest rate sensitivity and regional economic fluctuations. The company's dividend yield of 1.09% offers a modest return, appealing to income-focused investors. HomeTrust's beta of 0.86 suggests lower volatility compared to the broader market, making it a potentially stable investment within the financial sector.
Based on FMP financials and quantitative analysis
HTB Key Highlights
- Market capitalization of $829.93M indicates a solid valuation within the regional banking sector.
- P/E ratio of 15.2 suggests the company is reasonably valued compared to its earnings.
- Profit margin of 22.9% reflects efficient operations and profitability.
- Gross margin of 71.9% demonstrates effective cost management in its banking services.
- Dividend yield of 1.09% provides a modest income stream for investors.
Who Are HTB's Competitors?
HTB is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BBT Beacon Financial Corp. | $30.11 | -0.36% | $2.52B | 56 |
| FCNCA First Citizens BancShares, Inc. | $2117.43 | +1.65% | $24.53B | 73 |
| PBCT People's United Financial, Inc. | $19.41 | +0.00% | 48 | |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
| CIBEY Commercial International Bank (Egypt) S.A.E | $2.63 | +3.54% | $8.68B | 67 |
| GBOOY Grupo Financiero Banorte, S.A.B. de C.V. | $54.16 | +0.39% | $30.47B | 67 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HTB's Key Strengths?
- Strong regional presence in North Carolina, South Carolina, Tennessee, and Virginia.
- Diversified loan portfolio across retail and commercial sectors.
- Experienced management team with local market knowledge.
- Solid financial performance with a profit margin of 22.9%.
What Are HTB's Weaknesses?
- Limited geographic diversification compared to larger national banks.
- Reliance on traditional banking services, with less focus on fintech innovation.
- Smaller market capitalization compared to major competitors.
- Lower dividend yield compared to some other regional banks.
What Could Drive HTB Stock Higher?
- Potential acquisitions of smaller regional banks to expand market share.
- Continued growth in commercial lending driven by economic development in operating regions.
- Expansion of digital banking services to attract and retain customers.
What Are the Key Risks for HTB?
- Financial-distress signal — its Altman Z-Score of -0.45 sits in the distress zone (elevated bankruptcy risk).
- Interest rate hikes impacting net interest margin and profitability.
- Economic downturns in operating regions leading to increased loan defaults.
- Increasing competition from larger national banks and fintech companies.
What Are the Growth Opportunities for HTB?
- Expanding Digital Banking Services: HomeTrust can capitalize on the increasing demand for digital banking solutions by enhancing its online and mobile platforms. Investing in user-friendly interfaces and advanced features can attract younger customers and improve customer retention. The digital banking market is projected to grow significantly, offering HomeTrust the opportunity to expand its customer base and increase transaction volumes. Timeline: Ongoing.
- Increasing Commercial Lending: HomeTrust can focus on growing its commercial loan portfolio by targeting small and medium-sized businesses in its operating regions. Offering tailored financing solutions and building strong relationships with local businesses can drive loan growth. The commercial lending market is expected to expand, driven by economic growth and business investment. Timeline: Ongoing.
- Strategic Acquisitions: HomeTrust can pursue strategic acquisitions of smaller banks or credit unions in adjacent markets to expand its geographic footprint and increase its market share. Acquisitions can provide access to new customers, branches, and product offerings. The regional banking sector is consolidating, creating opportunities for HomeTrust to grow through acquisitions. Timeline: Upcoming.
- Enhancing Wealth Management Services: HomeTrust can expand its wealth management services to cater to high-net-worth individuals and families in its operating regions. Offering financial planning, investment management, and trust services can generate additional revenue streams and deepen customer relationships. The wealth management market is growing, driven by increasing wealth and demand for financial advice. Timeline: Ongoing.
- Focusing on SBA Loans: HomeTrust can increase its focus on providing Small Business Administration (SBA) loans to support small businesses in its communities. SBA loans offer attractive terms and guarantees, reducing the risk for the bank. Supporting small businesses can enhance HomeTrust's reputation and drive economic development in its operating regions. Timeline: Ongoing.
What Opportunities Does HTB Have?
- Expanding digital banking services to attract younger customers.
- Increasing commercial lending to support small and medium-sized businesses.
- Strategic acquisitions of smaller banks or credit unions.
- Enhancing wealth management services for high-net-worth individuals.
What Threats Does HTB Face?
- Increasing competition from larger national banks and fintech companies.
- Interest rate fluctuations impacting net interest margin.
- Economic downturns affecting loan demand and credit quality.
- Regulatory changes increasing compliance costs.
What Are HTB's Competitive Advantages?
- Established regional presence with a network of 41 offices.
- Strong customer relationships built on community banking principles.
- Diversified loan portfolio across retail and commercial sectors.
- Experienced management team with local market knowledge.
What Does HTB Do?
HomeTrust Bancshares, Inc., established in 1926 and headquartered in Asheville, North Carolina, functions as the bank holding company for HomeTrust Bank. The bank provides an array of retail and commercial banking products and services tailored to individuals, businesses, and nonprofit organizations. Its deposit offerings include savings, money market, and demand accounts, alongside certificates of deposit. The company's loan portfolio is diverse, featuring retail consumer loans such as one-to-four-family real estate lending, home equity lines of credit, construction and land/lots, indirect auto finance, and general consumer lending. Additionally, HomeTrust provides commercial loans encompassing commercial real estate, construction and development, and commercial and industrial loans. HomeTrust also extends its services through small business administration loans, equipment finance leases, indirect automobile loans, and municipal leases. The bank supports its customers with cash management and online/mobile banking services, enhancing accessibility and convenience. As of June 30, 2021, HomeTrust operated 41 offices strategically located in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia, emphasizing its regional presence and commitment to local communities. The company's focus on both retail and commercial sectors allows it to serve a broad customer base, contributing to its established position in the regional banking landscape.
What Products and Services Does HTB Offer?
- Provides retail banking services including savings, money market, and checking accounts.
- Offers commercial banking services such as business loans and lines of credit.
- Provides real estate lending for residential and commercial properties.
- Offers home equity lines of credit and consumer loans.
- Provides small business administration (SBA) loans.
- Offers cash management and online/mobile banking services.
- Provides equipment finance leases and municipal leases.
How Does HTB Make Money?
- Generates revenue through interest income from loans.
- Earns fees from various banking services such as account maintenance and transactions.
- Manages deposits and invests funds to generate returns.
- Provides wealth management services for fees.
What Industry Does HTB Operate In?
HomeTrust Bancshares operates within the regional banking sector, which is characterized by increasing competition from larger national banks and fintech companies. The industry is influenced by interest rate fluctuations, regulatory changes, and economic conditions. HomeTrust's focus on community banking and its presence in specific regional markets allows it to maintain a competitive edge through localized services and customer relationships. The regional banking sector is expected to see moderate growth, driven by increasing demand for loans and financial services in local communities.
Who Are HTB's Key Customers?
- Individuals seeking personal banking services.
- Small and medium-sized businesses requiring commercial loans and banking solutions.
- Nonprofit organizations needing financial services.
- Real estate developers and investors.
Company Profile
HomeTrust Bancshares, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Asheville, US. The company is led by CEO C. Hunter Westbrook. HTB has traded publicly since 2011.
How HomeTrust Bancshares, Inc. Is Valued
HomeTrust Bancshares, Inc. carries a market capitalization of $829.93M, placing it in the small-cap category. Relative to its peer group, HTB's quantitative score of 81/100 is above the peer average of 63/100.
ROE 15%Key Financial Metrics
Return on equity for HomeTrust Bancshares, Inc. stands at 15.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.5%, showing how much profit it generates from its asset base. HTB trades at a trailing price-to-earnings ratio of 15.20, below the Financial Services sector average of ~18x. Its free cash flow yield is 10.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.13 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
HomeTrust Bancshares, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -0.45 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project HomeTrust Bancshares, Inc. revenue of about $215.5M for fiscal 2026, with EPS near $3.64.
HTB Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in the company's future performance, indicating that executives believe in the growth potential of HomeTrust Bancshares.
- Community sentiment has shifted positively, with discussions highlighting the bank's strong local presence and customer loyalty as key strengths.
- Analysts note improvements in operational efficiency, which could enhance profitability and attract more investors to the stock.
- The broader trend of rising interest rates may benefit banks like HomeTrust, potentially increasing their net interest margins.
Bear Case
- Concerns about economic slowdown have led some investors to question the stability of regional banks, including HomeTrust Bancshares, in a tightening financial environment.
- Negative community sentiment has emerged regarding the bank's exposure to potential defaults in the mortgage sector, raising red flags for future earnings.
- Recent regulatory changes are creating uncertainty in the banking sector, which could impact HomeTrust's operational flexibility and growth plans.
- Some analysts express caution about the competitive landscape, with larger banks potentially overshadowing regional players like HomeTrust in attracting new customers.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
HTB Latest News
No recent news available for HTB.
HTB Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HTB.
Price Targets
Consensus target: $48.17
HTB MoonshotScore
What does this score mean?
The MoonshotScore rates HTB's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest HomeTrust Bancshares, Inc. Analysis
Leadership: C. Hunter Westbrook
President and Chief Executive Officer
C. Hunter Westbrook serves as the President and Chief Executive Officer of HomeTrust Bancshares, Inc. His career in the banking industry spans several decades, with extensive experience in commercial lending, risk management, and strategic planning. Prior to joining HomeTrust, he held leadership positions at various financial institutions, contributing to their growth and stability. Westbrook's expertise in regional banking and his commitment to community development have been instrumental in guiding HomeTrust's strategic direction. He holds a degree in Business Administration and has completed executive education programs at leading business schools.
Track Record: Under C. Hunter Westbrook's leadership, HomeTrust Bancshares has focused on expanding its regional presence and enhancing its digital banking capabilities. He has overseen strategic initiatives to improve operational efficiency and strengthen customer relationships. Key milestones include the successful integration of acquired banks and the implementation of new technologies to enhance the customer experience. Westbrook's leadership has contributed to the company's consistent financial performance and its commitment to serving the needs of its communities.
HTB Financial Services Stock FAQ
What does HomeTrust Bancshares, Inc. do?
HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank, providing a range of retail and commercial banking products and services. These include deposit accounts, such as savings, money market, and demand accounts, as well as certificates of deposit. The company's loan portfolio comprises retail consumer loans, commercial real estate loans, construction and development loans, and commercial and industrial loans. Additionally, HomeTrust offers small business administration loans, equipment finance leases, indirect automobile loans, and municipal leases, serving individuals, businesses, and nonprofit organizations across North Carolina, South Carolina, Tennessee, and Virginia.
What do analysts say about HTB stock?
Analyst coverage of HomeTrust Bancshares, Inc. (HTB) generally reflects a consensus view of a stable, regional bank with moderate growth potential. Key valuation metrics, such as the P/E ratio of 15.2, suggest the company is reasonably valued. Growth considerations include the expansion of its digital banking services and commercial lending portfolio. Analysts typically highlight the company's strong regional presence and diversified loan portfolio as positive factors, while noting potential risks related to interest rate sensitivity and economic conditions in its operating regions. Analyst ratings and price targets vary, reflecting different perspectives on the company's future performance, but the overall sentiment is cautiously optimistic.
What are the main risks for HTB?
HomeTrust Bancshares, Inc. faces several key risks inherent to the financial services sector and specific to its regional operations. Interest rate risk is a significant concern, as fluctuations in interest rates can impact the company's net interest margin and profitability. Credit risk is also a factor, with the potential for loan defaults increasing during economic downturns. Competition from larger national banks and fintech companies poses a threat to HomeTrust's market share. Regulatory compliance and cybersecurity risks also require ongoing attention and investment to mitigate potential negative impacts on the company's operations and financial performance. Regional economic conditions in North Carolina, South Carolina, Tennessee, and Virginia can also influence the company's growth prospects and asset quality.
What are the key factors to evaluate for HTB?
HomeTrust Bancshares, Inc. (HTB) holds an AI score of 81/100 (high). P/E: 15.2x vs the S&P 500's ~20-25x. Analysts target $48.17 (-2%). Not financial advice.
How frequently does HTB data refresh on this page?
HTB prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven HTB's recent stock price performance?
HomeTrust Bancshares, Inc. (HTB) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong regional presence in North Carolina, South Carolina, Tennessee, and Virginia. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider HTB overvalued or undervalued right now?
HomeTrust Bancshares, Inc. (HTB) trades at 15.2x earnings. Analysts target $48.17 (-2%) — near fair value. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying HTB?
Before investing in HomeTrust Bancshares, Inc. (HTB), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data as of June 30, 2021, and may not reflect subsequent developments.
- Financial metrics are based on the most recent available data and may be subject to change.