HTB

HomeTrust Bancshares

Fundamental data last updated:April 13, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NYSE

County of HQ

United States

Next Earnings Date

04/23/26

Business Summary

HomeTrust Bancshares operates as a regional banking institution, generating cash primarily through net interest income on loans funded by customer deposits. Its model depends on disciplined credit underwriting, spread management, and local market penetration within its footprint. The moat in regional banking is typically relationship-based deposit gathering combined with conservative credit culture, not technological dominance. Sustainable cash generation hinges on maintaining healthy loan yields relative to funding costs while avoiding credit deterioration that would impair capital.

 


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VALUATION

P/E

12.2

Market Cap ($M USD)

$766

Forward P/E

12.2

PEG

1.1

PRICE TO SALES

3.7

PRICE TO BOOK

1.3

EV / EBITDA

-

5-Year Average P/E

Free Cash Flow Yield

DCF Value

Graham Number

Price to FCF

EV to FCF

Earnings Yield

FCF Yield

DIVIDEND

Yield

1.10%

Annual Payout

$0.52

Payout Ratio

13.10%

Consecutive Years of Dividend Growth

7

5-Year Dividend Growth Rate

10.20%

Financial Health & Profitability

Earnings Per Share

$3.75

Next Year EPS Growth Estimate

$3.73

Next Year Revenue Growth Estimate

4.20%

Return on Equity (ROE)

10.60%

FREE CASH FLOW

Operating Margin

40.80%

Debt-to-Equity

0

Piotroski F-Score

4

Altman Z-Score

0.4

Return on Invested Capital (ROIC)

23.40%

Current Ratio

-

Quick Ratio

Net Debt to EBITDA

Interest Coverage

Gross Profit margin

FCF PER SHARE

REVENUE PER SHARE

Analyze HTB on TradingView

Gainseekers Quantitative Analysis

Summary

At 12.2x earnings and 12.2x forward earnings, HTB screens optically cheap, but this is not a clean value story. The PEG Forward of 1.1 implies growth is reasonably priced, not deeply discounted, and the 4.20% Return on Equity is uninspiring for a regional bank trading at 1.3x book. The real flashing warning is the Altman Z-Score of 0.4, which signals material balance sheet stress risk, and that severely undercuts the comfort investors might otherwise take in a modest multiple. This is a statistically “cheap” bank with fragile financial safety signals—more balance sheet bet than classic GARP compounder.

AI Exposure / Tech Reliance

As a Regional Bank in the Financial Services sector, HTB’s AI exposure is indirect and operational rather than product-driven. Competitive advantage will hinge on underwriting automation, deposit analytics, and cost efficiency rather than proprietary AI platforms. In a tech-driven banking landscape, scale and digital execution matter, and there is nothing in the provided metrics suggesting HTB has superior tech-driven profitability.

The Bull Case

A value-oriented investor could argue that 12.2x earnings with a 1.1 PEG Forward and ROIC of 23.40% represents an attractive risk/reward setup if capital efficiency is sustained. The 10.60% Operating Margin combined with a Price/Book of 1.3 suggests the market is not pricing in aggressive profitability expansion, leaving room for multiple stability if execution holds. Institutional Ownership at 48.63% indicates serious capital is involved, and a Piotroski F-Score of 4, while not elite, suggests the fundamentals are not collapsing outright. With EPS Next Year estimated at $3.75 and a Dividend Per Share of 1.10% alongside a Dividend 5-Year Avg of 7, bulls can frame this as a steady, moderately growing regional bank trading at a reasonable multiple with capital return embedded.

The Bear Case

The bear case is far more structural. A 4.20% Return on Equity is weak for a bank, especially one carrying 40.80% Debt/Equity, and the Altman Z-Score of 0.4 is a severe red flag for financial distress risk. Short % of Float at 10.20% signals that a meaningful portion of the market is betting against the equity, and the Piotroski F-Score of 4 reinforces mediocrity rather than strength. With TTM Yield at 0 and a Payout Ratio listed at $0.52, the capital return profile lacks clarity, and the Mean Consensus Target Price of 2.17 suggests limited upside conviction relative to risk—this is not a fortress balance sheet trading at a crisis multiple.

Market Sentiment & Smart Money

Short Interest %

1.40%

Analyst Consensus

2.17

Average Analyst Price Target

$48.63

Institutional Ownership %

63.10%

1-Year Beta

0.73

Insider Buying % (6 Mo)

10.20%%

Distance to 52-Week High

95.60%

Distance to 52-Week Low

145.50%

EARNINGS SURPRISE %

50-DAY SMA

200-DAY SMA

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.