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HOMETRUST BANCSHARES INC

HTBNYSE
🏆 #2685 by market capUS Equity
$45.78▲ $0.21 (+0.46%)
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24h▲ 0.5%
7d▼ 0.7%
14d▼ 4.3%
30d▼ 2.3%
ytd▲ 6.9%
1y▲ 10.4%
🏦Market Cap
$769M
Small Cap
📈Revenue Growth (YoY)
-0.9%
Declining
📊Gross Margin
73.0%
High
💵FCF Margin
33.0%
Strong
⚖️P/S Ratio
2.7x
Cheap
Otter Score
76
Good

Trading Snapshot

Day Range
$45.26 – $46.45
52-Week Range
$38.30 – $52.50
Volume
$3.33B
Avg Volume
$2.86B
Shares Outstanding
16.8M
Next Earnings
Nov 12, 2026

Fundamentals Snapshot

Annual Revenue
$292M
Last Q Revenue
$69M
P/E Ratio
11.8
P/S Ratio
2.7x
EPS (TTM)
$3.95
Dividend Yield
1.23%
Dilution (1yr)
+0.3%

Why Investors Own HTB

  • ✓High-growth profile — revenue up +23.2% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 44% gross margin and 11% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

HTB logo

HOMETRUST BANCSHARES INC

HTB
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$292M▼ −0.9% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
70.5%▲ +6.9% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$81M▲ +15.8% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$43M▲ +51.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
17.1M▲ +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$333M▲ +$36M YoY
StockOtter · stockotter.space

About HOMETRUST BANCSHARES INC

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Good
76/100

Analyst Price Target

ⓘ
Average Target
$54.81
▲ +19.7% Upside
High Target$59.80
Low Target$49.45
Based on 39 analysts

Latest News & Updates

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CNBC·2h ago

HOMETRUST BANCSHARES INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Bloomberg·5h ago

Analysts lift HTB price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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MarketWatch·1d ago

HOMETRUST BANCSHARES INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.