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HomeTrust Bancshares, Inc. logo

HomeTrust Bancshares, Inc.

HTB

NYSEFinancial ServicesBanks - Regional

Open in GoAI

Previous close

$46.70

−$0.01 · -0.02%

Aug 21, 4:00 PM ET

HTB company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

70

Undervalued

Momentum

53

Neutral

Sentiment

63

Bullish

Risk resilience

78

Moderate Risk

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Thesis, catalysts, evidence, and risk analysis.

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AI-generated, informational only, and not investment advice.

Company profile

Company website

HomeTrust Bancshares, Inc. serves as the holding company for HomeTrust Bank, providing a comprehensive array of retail and commercial banking products and services. Its deposit offerings include savings, money market, and demand accounts, along with certificates of deposit, catering to individuals, businesses, and nonprofit organizations. The company's lending activities encompass various retail consumer loans, such as financing for one-to-four-family real estate, home equity lines of credit, construction and land/lot acquisition, indirect auto loans, and general consumer credit. For commercial clients, it offers loans for commercial real estate, construction and development, and industrial purposes. Additionally, the company provides specialized financial services like Small Business Administration loans, equipment finance leases, indirect automobile loans, and municipal leases, alongside cash management and online/mobile banking capabilities. As of June 30, 2021, HomeTrust Bancshares, Inc. managed 41 branches spread across North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. The company was established in 1926 and maintains its principal office in Asheville, North Carolina.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
C. Hunter Westbrook
Listed since
Jul 10, 2012
Employees
574

Market position

Day range

Current $46.70

52-week range

Current $46.70

Open
$46.91
Previous close
$46.71
Volume
175.12K
1.43× average
Average volume
122.61K
Average daily volume
Market cap
784.81M USD
Beta
0.8
Market reference 1
50-day average
$49.1464
-4.98% below average
200-day average
$45.0434
+3.68% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
396.15M USD
P/E (TTM)
12.07×
P/B (TTM)
1.28×
P/S (TTM)
2.73×
EV / EBITDA
4.3×
Earnings yield
8.82%
Free cash flow yield
5.86%
Dividend yield
1.20%

Profitability & efficiency

Gross margin
73.00%
Operating margin
28.25%
Net margin
22.58%
Return on equity
10.72%
Return on assets
1.42%
Return on invested capital
7.70%

Financial health

Debt / equity
0.29×
Current ratio
0.13×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends105%73%42%11%Gross margin, FY2021: 96.94%Gross margin, FY2022: 79.13%Gross margin, FY2023: 69.85%Gross margin, FY2024: 65.95%Gross margin, FY2025: 70.48%Operating margin, FY2021: 29.22%Operating margin, FY2022: 26.46%Operating margin, FY2023: 23.82%Operating margin, FY2024: 23.69%Operating margin, FY2025: 27.68%Net margin, FY2021: 22.96%Net margin, FY2022: 20.64%Net margin, FY2023: 18.83%Net margin, FY2024: 18.57%Net margin, FY2025: 22.01%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 96.94%. Gross margin FY2022 79.13%. Gross margin FY2023 69.85%. Gross margin FY2024 65.95%. Gross margin FY2025 70.48%. Operating margin FY2021 29.22%. Operating margin FY2022 26.46%. Operating margin FY2023 23.82%. Operating margin FY2024 23.69%. Operating margin FY2025 27.68%. Net margin FY2021 22.96%. Net margin FY2022 20.64%. Net margin FY2023 18.83%. Net margin FY2024 18.57%. Net margin FY2025 22.01%.

Income trends

Revenue

292.47M USD-0.88%

Operating income

80.96M USD+15.80%

Net income

64.36M USD+17.44%
Income trends across reported periods321.02M USD217.25M USD113.48M USD9.71M USDRevenue, FY2021: 155.31M USDRevenue, FY2022: 216.08M USDRevenue, FY2023: 265.82M USDRevenue, FY2024: 295.07M USDRevenue, FY2025: 292.47M USDOperating income, FY2021: 45.38M USDOperating income, FY2022: 57.16M USDOperating income, FY2023: 63.32M USDOperating income, FY2024: 69.91M USDOperating income, FY2025: 80.96M USDNet income, FY2021: 35.65M USDNet income, FY2022: 44.6M USDNet income, FY2023: 50.04M USDNet income, FY2024: 54.81M USDNet income, FY2025: 64.36M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 155.31M USD. Revenue FY2022 216.08M USD. Revenue FY2023 265.82M USD. Revenue FY2024 295.07M USD. Revenue FY2025 292.47M USD. Operating income FY2021 45.38M USD. Operating income FY2022 57.16M USD. Operating income FY2023 63.32M USD. Operating income FY2024 69.91M USD. Operating income FY2025 80.96M USD. Net income FY2021 35.65M USD. Net income FY2022 44.6M USD. Net income FY2023 50.04M USD. Net income FY2024 54.81M USD. Net income FY2025 64.36M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue292.47M USD295.07M USD265.82M USD216.08M USD155.31M USD
Cost of goods sold86.34M USD100.49M USD80.14M USD45.1M USD4.75M USD
Gross profit206.13M USD194.59M USD185.68M USD170.98M USD150.56M USD
Selling, general, and administrative76.77M USD72.02M USD70.45M USD66.61M USD63.89M USD
Operating expenses125.18M USD124.68M USD122.36M USD113.81M USD105.18M USD
Interest income256.14M USD261.62M USD234.48M USD187.13M USD116.11M USD
Interest expense79.4M USD92.94M USD65.05M USD29.71M USD5.34M USD
Depreciation and amortization11.11M USD17.04M USD16.04M USD13.41M USD11.8M USD
Operating income80.96M USD69.91M USD63.32M USD57.16M USD45.38M USD
Net income64.36M USD54.81M USD50.04M USD44.6M USD35.65M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
90%
9 beats, 1 miss, 0 met estimates
Average EPS surprise
+11.49%
10 comparable reports
Latest EPS result
0.94
Estimate 0.87 · Beat by 8.42%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates1.040.930.820.7Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 0.83, estimate 0.752, surprise +10.37%, Beat. Q2 2025, reported Apr 24, 2025: actual 0.84, estimate 0.744, surprise +12.90%, Beat. Q3 2025, reported Jul 22, 2025: actual 1, estimate 0.772, surprise +29.53%, Beat. Q4 2025, reported Oct 22, 2025: actual 0.95, estimate 0.868, surprise +9.45%, Beat. Q1 2026, reported Jan 22, 2026: actual 0.93, estimate 0.91, surprise +2.20%, Beat. Q2 2026, reported Apr 23, 2026: actual 0.99, estimate 0.82, surprise +20.73%, Beat. Q3 2026, reported Jul 23, 2026: actual 0.94, estimate 0.867, surprise +8.42%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 0.93, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates57.07M53.9M50.73M47.56MQ1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 23, 2025: actual 51.45M USD, estimate 49.87M USD, surprise +3.16%, Beat. Q2 2025, reported Apr 24, 2025: actual 50.93M USD, estimate 49.76M USD, surprise +2.36%, Beat. Q3 2025, reported Jul 22, 2025: actual 52.91M USD, estimate 51.29M USD, surprise +3.17%, Beat. Q4 2025, reported Oct 22, 2025: actual 54.14M USD, estimate 52.89M USD, surprise +2.36%, Beat. Q1 2026, reported Jan 22, 2026: actual 53.61M USD, estimate 52.72M USD, surprise +1.68%, Beat. Q2 2026, reported Apr 23, 2026: actual 54.34M USD, estimate 51.82M USD, surprise +4.85%, Beat. Q3 2026, reported Jul 23, 2026: actual 54.54M USD, estimate 52.95M USD, surprise +3.00%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 54.87M USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$57.00

22.06% upside
Past 12 months12-month forecastHigh $57.00Average $57.00Low $57.00

Rating distribution

3 ratings

Limited analyst sample: 3 ratings. Interpret the distribution with caution.

Strong buy00%
Buy267%
Hold133%
Sell00%
Strong sell00%

HTB news

businesswire.com

HomeTrust Bancshares, Inc. (HTB) Investigation Alert: Halper Sadeh LLC is Investigating Whether the Merger of HomeTrust Bancshares, Inc. and Blue Ridge Bankshares, Inc. is Fair to Shareholders

NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating the all-stock merger of HomeTrust Bancshares, Inc. (NYSE: HTB) and Blue Ridge Bankshares, Inc. HomeTrust shareholders are…

Read source
globenewswire.com

HomeTrust Bancshares, Inc. Expands into Attractive Virginia Markets Through Acquisition of Blue Ridge Bankshares, Inc.

ASHEVILLE, NC and RICHMOND, VA, Aug. 17, 2026 (GLOBE NEWSWIRE) -- HomeTrust Bancshares, Inc. (NYSE: HTB) (“HomeTrust”), the holding company of HomeTrust Bank, and Blue Ridge Bankshares, Inc. (NYSEAM: BRBS) (“Blue…

Read source
zacks.com

HomeTrust Bancshares, Inc. (HTB) Soars to 52-Week High, Time to Cash Out?

HomeTrust Bancshares (HTB) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.

Read source
globenewswire.com

HomeTrust Bancshares, Inc. Announces Completion of Previous Stock Repurchase Program and Authorization of New Stock Repurchase Program

ASHEVILLE, N.C., Aug. 04, 2026 (GLOBE NEWSWIRE) -- HomeTrust Bancshares, Inc. (the “Company”) (NYSE: HTB), the holding company for HomeTrust Bank, announces the completion of its 5% stock repurchase program, which began…

Read source
zacks.com

HomeTrust Bancshares (HTB) is a Great Momentum Stock: Should You Buy?

Does HomeTrust Bancshares (HTB) have what it takes to be a top stock pick for momentum investors? Let's find out.

Read source
zacks.com

New Strong Buy Stocks for July 29th

NKSH, KB, HTB, APOG and STBA have been added to the Zacks Rank #1 (Strong Buy) List on July 29, 2026.

Read source

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ETFs holding HTB

Funds reporting this stock among their holdings, ordered by reported position size.

Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
24.58M
Weight
0.00%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
23.27M
Weight
0.07%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
17.97M
Weight
0.02%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
7.61M
Weight
0.01%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares Russell 2000 Value ETF logoiShares Russell 2000 Value ETFIWN
Market value
7.13M
Weight
0.05%
AUM
14.66B USD
Expense ratio
0.24%
Price / 1D
$224.81+0.45%
Vanguard Russell 2000 ETF logoVanguard Russell 2000 ETFVTWO
Market value
4.45M
Weight
0.02%
AUM
17.4B USD
Expense ratio
0.06%
Price / 1D
$121.25+0.74%
State Street SPDR S&P Regional Banking ETF logoState Street SPDR S&P Regional Banking ETFKRE
Market value
4.16M
Weight
0.10%
AUM
4.06B USD
Expense ratio
0.35%
Price / 1D
$74.86+0.20%
Dimensional - US Targeted Value ETF logoDimensional - US Targeted Value ETFDFAT
Market value
3.87M
Weight
0.03%
AUM
14.66B USD
Expense ratio
0.28%
Price / 1D
$71.67+0.67%

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