Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

Request Deep Dive(50 Feathers)

HTB

HOLD

HomeTrust Bancshares, Inc. · Financial Services · United States · $818M · Avg Vol: $8M/d

63
StockRank
Get insider-trade alerts
Q
57
V
41
M
59
P/E (TTM)
12.5x
ROE
11.5%
D/E
0.0x
Dividend %
1.0%

COMPANY DESCRIPTION

HomeTrust Bancshares, Inc. is a regional bank holding company operating across North Carolina, South Carolina, Tennessee, and Virginia. The company's competitive position is supported by its balanced mix of commercial real estate, commercial and industrial, and consumer lending products. It operates as a growing regional bank utilizing a relationship-focused model to compete with larger national institutions.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue150.0M203.0M211.5M12.1%210.6M214.4M217.2M1.3%
EPS2.273.213.7518.2%3.873.673.750.0%
Shares17.4M17.5M17.3M-0.6%16.8M
Debt133.8M10.1M10.2M-72.4%109.0M
Equity499.9M551.8M600.7M9.6%
Op CF33.1M45.4M49.5M14.3%88.7M
Inv CF34.8M20.8M110.1M
Fin CF-13.8M-134.2M-114.1M
Loading 1Y...
PRICE (1Y)+3.4%
47.5348.3549.1649.9850.80Jun 12Jul 7Jul 27
SMA 50SMA 200
Close
$49.54
RSI (14)
51.0
52W High
$51.00
From 52W High
1.0%

SCORE BREAKDOWN

Quality
57
ROIC (ROA)
1.5%*49.0
ROE
11.5%60.6
GP/Assets
4.6%N/A
Op. Margin
40.5%59.8
FCF/Assets
0.9%N/A
Piotroski
565.2
Int. Cover
50.0
D/E Ratio
0.02xN/A
Current Ratio
bankN/A
Value
41
P/E (TTM)
12.5x54.5
EV/EBITDA
bankN/A
P/FCF
19.1xN/A
P/B
1.4x40.3
P/S
3.9x48.5
Div Yield
1.0%8.2
Momentum
59
52W High %
97%75.8
RS 6M
5%65.7
SMA 50/200
1.09x72.3
EPS Rev 4W
-0.3%55.9
EPS Rev 12W
N/A
EPS Improve
-4%18.3
Q Growth
15%50.2

FUNDAMENTALS

Market Cap
$818M
P/E (Forward)
13.0x
Gross Margin

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HTB are excluded.

TickerCompanyMkt CapStockRankSignal
HTBHomeTrust Bancshares, Inc.(you)$818M63HOLD
SMBKSmartFinancial, Inc.$855M64HOLD
MPBMid Penn Bancorp, Inc.$942M62HOLD
MSBIMidland States Bancorp, Inc.$669M62HOLD
ALRSAlerus Financial Corporation$822M58HOLD
SMBCSouthern Missouri Bancorp, Inc.$855M68BUY
CWBCCommunity West Bancshares$678M66BUY
NFBKNorthfield Bancorp, Inc.$639M61HOLD
GSBCGreat Southern Bancorp, Inc.$863M69BUY
SPFISouth Plains Financial, Inc.$841M70BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

HomeTrust Bancshares, Inc. (HTB) — Stock Score Summary

HomeTrust Bancshares, Inc. (HTB) has a MoatMap StockRank of 63/100 based on Quality (57/100), Value (41/100), and Momentum (59/100) factor scores. The current signal is HOLD.

HomeTrust Bancshares, Inc. is a regional bank holding company operating across North Carolina, South Carolina, Tennessee, and Virginia. The company's competitive position is supported by its balanced mix of commercial real estate, commercial and industrial, and consumer lending products. It operates as a growing regional bank utilizing a relationship-focused model to compete with larger national institutions.

Key Financial Metrics

Price$49.54
Market Cap$818M
P/E (TTM)12.53
P/E (Forward)13.04
Price/Book1.36
Return on Equity11.5%
Debt/Equity0.02x
Operating Margin40.5%
Revenue Growth9.3%
Dividend Yield1.0%
Free Cash Flow$43M

HomeTrust Bancshares, Inc. operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is HomeTrust Bancshares, Inc.’s (HTB) StockRank?
MoatMap’s StockRank for HomeTrust Bancshares, Inc. (HTB) is 63/100, with a Hold signal. It is a composite of Quality (57), Value (41), and Momentum (59) factor ranks across MoatMap’s 20,000+ stock universe.
Does HomeTrust Bancshares, Inc. have an economic moat?
HomeTrust Bancshares, Inc. (HTB) has a Quality factor score of 57/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is HomeTrust Bancshares, Inc. a buy, hold, or sell?
MoatMap’s current signal for HomeTrust Bancshares, Inc. (HTB) is Hold, based on a StockRank of 63/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is HomeTrust Bancshares, Inc. in?
HomeTrust Bancshares, Inc. (HTB) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).