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Financial Services - Banks - Regional - NYSE - US
$ 39.31
-0.205 %
$ 690 M
Market Cap
12.33
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one HTB stock under the worst case scenario is HIDDEN Compared to the current market price of 39.3 USD, HomeTrust Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one HTB stock under the base case scenario is HIDDEN Compared to the current market price of 39.3 USD, HomeTrust Bancshares, Inc. is HIDDEN

This DCF valuation model was last updated on Jul, 21, 2025.

The intrinsic value of one HTB stock under the best case scenario is HIDDEN Compared to the current market price of 39.3 USD, HomeTrust Bancshares, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart HTB

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$40.0$40.0$39.0$39.0$38.0$38.0$37.0$37.0$36.0$36.0$35.0$35.0$34.0$34.0$33.0$33.0$32.0$32.0$31.0$31.0Feb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 JunJul '25Jul '2515 Jul15 Jul
FINANCIALS
295 M REVENUE
11.01%
69.9 M OPERATING INCOME
3.83%
54.8 M NET INCOME
10.40%
45 M OPERATING CASH FLOW
52.40%
21.3 M INVESTING CASH FLOW
211.79%
-134 M FINANCING CASH FLOW
-404.48%
71.7 M REVENUE
-3.73%
18.4 M OPERATING INCOME
0.76%
14.5 M NET INCOME
2.33%
71.7 M OPERATING CASH FLOW
1566.41%
5.65 M INVESTING CASH FLOW
-84.93%
-56.7 M FINANCING CASH FLOW
-1.24%
Balance Sheet HomeTrust Bancshares, Inc.
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Current Assets 644 M
Cash & Short-Term Investments 460 M
Receivables 184 M
Other Current Assets 0
Non-Current Assets 3.95 B
Long-Term Investments 3.66 B
PP&E 69.9 M
Other Non-Current Assets 223 M
10.00 %4.01 %79.61 %4.86 %Total Assets$4.6b
Current Liabilities 3.78 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 3.78 B
Non-Current Liabilities 264 M
Long-Term Debt 10.1 M
Other Non-Current Liabilities 254 M
93.46 %6.29 %Total Liabilities$4.0b
EFFICIENCY
Earnings Waterfall HomeTrust Bancshares, Inc.
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Revenue 295 M
Cost Of Revenue 100 M
Gross Profit 195 M
Operating Expenses 125 M
Operating Income 69.9 M
Other Expenses 15.1 M
Net Income 54.8 M
300m300m250m250m200m200m150m150m100m100m50m50m00295m(100m)195m(125m)70m(15m)55mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
0.00% OPERATING MARGIN
0.00%
27.11% NET MARGIN
27.11%
9.93% ROE
9.93%
1.19% ROA
1.19%
0.00% ROIC
0.00%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis HomeTrust Bancshares, Inc.
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30m30m20m20m10m10m00(10m)(10m)(20m)(20m)(30m)(30m)(40m)(40m)(50m)(50m)(60m)(60m)201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 54.8 M
Depreciation & Amortization 17 M
Capital Expenditures -16.7 M
Stock-Based Compensation 3.43 M
Change in Working Capital -2.55 M
Others -30.1 M
Free Cash Flow 28.2 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets HomeTrust Bancshares, Inc.
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HTB has no price targets from Wall Street.
4. DIVIDEND ANALYSIS
0.35% DIVIDEND YIELD
0.12 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.250.250.200.200.150.150.100.100.050.050.000.000.120.120.2420252025
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5. COMPETITION
6. Ownership
Insider Ownership HomeTrust Bancshares, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
HomeTrust Bank Further Recognized for Strong Financial Performance and as a Most Loved Workplace ASHEVILLE, N.C., May 08, 2025 (GLOBE NEWSWIRE) -- HomeTrust Bancshares, Inc. (NYSE: HTB) (“Company”), the holding company of HomeTrust Bank (“HomeTrust” or the “Bank”), announced today that the Bank has been named one of Forbes' America's Best Banks for 2025 and recognized as a Top 50 Community Bank in the 2024 S&P Global Market Intelligence annual rankings. These awards are based on key metrics assessing the overall financial performance and strength of financial institutions. This is the second consecutive year that HomeTrust has been recognized in each of these publications. globenewswire.com - 2 months ago
HomeTrust Bancshares (HTB) Beats Q1 Earnings and Revenue Estimates HomeTrust Bancshares (HTB) came out with quarterly earnings of $0.84 per share, beating the Zacks Consensus Estimate of $0.76 per share. This compares to earnings of $0.88 per share a year ago. zacks.com - 3 months ago
HomeTrust Bancshares, Inc. Announces Financial Results for the First Quarter of the Year Ending December 31, 2025 and Declaration of a Quarterly Dividend ASHEVILLE, N.C., April 24, 2025 (GLOBE NEWSWIRE) -- HomeTrust Bancshares, Inc. (NYSE: HTB) ("Company"), the holding company of HomeTrust Bank ("Bank"), today announced preliminary net income for the first quarter of the year ending December 31, 2025 and approval of its quarterly cash dividend. globenewswire.com - 3 months ago
Earnings Preview: HomeTrust Bancshares (HTB) Q1 Earnings Expected to Decline HomeTrust Bancshares (HTB) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 3 months ago
Rob McCain Appointed as Senior Vice President, Market President of Charlotte Metropolitan Area ASHEVILLE, N.C., April 07, 2025 (GLOBE NEWSWIRE) -- HomeTrust Bancshares, Inc. (NYSE: HTB) (“Company”), the holding company of HomeTrust Bank (“HomeTrust” or the “Bank”), announced today that Robert “Rob” McCain III has assumed the position of Market President of the Bank's Charlotte metropolitan area, effective March 31, 2025. McCain will focus on expanding the Bank's presence in the market, with the primary responsibility of growing commercial and treasury management market share and revenue. He will report to John Sprink, Executive Vice President of Commercial Banking. globenewswire.com - 3 months ago
Down -8.36% in 4 Weeks, Here's Why You Should You Buy the Dip in HomeTrust Bancshares (HTB) HomeTrust Bancshares (HTB) has become technically an oversold stock now, which implies exhaustion of the heavy selling pressure on it. This, combined with strong agreement among Wall Street analysts in revising earnings estimates higher, indicates a potential trend reversal for the stock in the near term. zacks.com - 3 months ago
New Strong Buy Stocks for March 19th CCNE, NATL, CLS, THFF and HTB have been added to the Zacks Rank #1 (Strong Buy) List on March 19, 2025. zacks.com - 4 months ago
HomeTrust Bancshares (HTB) Upgraded to Strong Buy: What Does It Mean for the Stock? HomeTrust Bancshares (HTB) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 4 months ago
8. Profile Summary

HomeTrust Bancshares, Inc. HTB

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 690 M
Dividend Yield 0.35%
Description HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. Its deposit products include savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises 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 consumer lending; and commercial loans that include commercial real estate, construction and development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services. As of June 30, 2021, the company operated 41 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.
Contact 10 Woodfin Street, Asheville, NC, 28801 https://www.htb.com
IPO Date Dec. 27, 2011
Employees 539
Officers Mr. C. Hunter Westbrook Chief Executive Officer, President & Vice Chairperson of the Board Ms. Natasha Drozdak Senior Vice President & Director of Digital Strategy Ms. Kristin Y. Powell Executive Vice President and Consumer & Business Banking Group Executive Ms. Lora Jex Executive Vice President & Chief Risk Officer Mr. John F. Sprink II Executive Vice President & Commercial Banking Group Executive Mr. Charles F. Sivley Jr. Executive Vice President & Chief Technical Officer Mr. Tony J. VunCannon CPA Executive Vice President, Chief Financial Officer, Corporate Secretary & Treasurer Ms. Megan Pelletier Executive Vice President, Chief Operations & People Officer Mr. Robert McCain III Senior Vice President & Market President of Charlotte Metropolitan