HomeTrust Bancshares, Inc. (HTB) AI Stock Analysis

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank, providing retail and commercial banking products and services in the United States. Its deposit products include savings, money market, checking accounts, and certificates of deposit for individuals, commercial clients, and nonprofit organizations. Its lending portfolio comprises one-to-four-family real estate, multifamily, home equity lines of credit, construction, auto finance, and commercial loans. The company also offers equipment finance leases, municipal leases, small business administration loans, and healthcare banking specialized for medical, dental, and veterinary practices. In addition, it invests in agency debt securities, municipal bonds, and corporate bonds.

HomeTrust Bancshares delivered a 5-year revenue CAGR of 12.8% from FY2021 to FY2026. Revenue rose from $155.3M in FY2022 to $216.1M in FY2023, $265.8M in FY2024, and $295.1M in FY2025, before declining 0.9% to $292.5M in FY2026. Despite the top-line reduction in FY2026, net income reached $64.4M, up from $54.8M in FY2025, lifting EPS to $3.81 and net margin to 22.0%. Operating margin expanded to 27.7% from 23.7% in FY2025. In the latest quarter ended June 30, 2026, revenue fell 1.0% year-over-year and earnings declined 6.0%. Trailing twelve month revenue stood at $210.1M with a profit margin of 30.9%.

As of June 30, 2026, HomeTrust Bancshares held $418.4M in cash and short-term investments and $175.0M in total debt, leaving net cash of $243.4M. Shareholders' equity was $600.6M against total assets of $4.44B, reflecting a debt-to-equity ratio of 0.29 and a current ratio of 0.12. In FY2026, operating cash flow reached $49.5M, funding capital expenditures of $6.7M and resulting in free cash flow of $42.8M. Capital returns included $14.9M in share buybacks and $8.4M in dividends paid.

At the last close of $47.08 on October 16, 2026, HomeTrust Bancshares carried a market cap of $778.4M and an enterprise value of $677.9M. The stock trades at a trailing P/E of 12.4x and a forward P/E of 11.3x, compared to medians of 12.1x and 10.8x for its US-listed Financial Services peers. Price-to-sales is 3.7x versus the peer median of 3.2x, while price-to-book stands at 1.2x. Over the past year, HTB gained 22.0%, outperforming the 16.8% return of the S&P 500 (SPY), though its 5-year return of 73.7% trailed the index return of 83.0%.

HomeTrust Bancshares pays a quarterly dividend with an annual forward rate of $0.60 per share, delivering a dividend yield of 1.27% as of October 16, 2026. The payout ratio is 14.7%. The company has paid dividends for 9 consecutive years and achieved an annualized 5-year dividend growth rate of 11.1%. Its last ex-dividend date was August 13, 2026.

Analyst coverage consists of 2 Strong Buy, 1 Buy, and 2 Hold ratings, with no Sell or Strong Sell ratings. The mean price target is $55.25, representing 17.4% upside to the last close of $47.08. HomeTrust Bancshares beat EPS estimates in each of the last 4 quarters. For the current fiscal year ending December 31, 2026, consensus estimates project EPS of $3.74 on revenue of $219.7M. For the next fiscal year, 5 analysts project EPS of $4.40 on revenue of $339.1M. The next earnings date is October 28, 2026.

This page is an AI-written research summary of HomeTrust Bancshares, Inc. (HTB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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