HomeTrust Bancshares, Inc. (HTB) Key Metrics
HTB valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $778.4M
- Enterprise value
- $677.9M
- P/E (TTM)
- 12.4 10-yr median 12.7
- Forward P/E
- 11.3
- PEG ratio
- —
- Price / sales
- 3.7 10-yr median 2.7
- Price / book
- 1.2 10-yr median 1.1
- EV / EBITDA
- — 10-yr median 4.2
- Dividend yield
- 1.27% $0.60 a year
- Beta
- 0.80
HTB key metrics, FY2017–FY2026
Fiscal year ended June 30, 2026 · U.S. dollarsHTB valuation Price multiples at each fiscal year-end price.
HTB returns How much profit the business earns on the capital it uses.
HTB per-share figures Results divided by the shares outstanding at year-end.
HTB financial health Debt, liquidity and how easily interest is covered.
HTB efficiency & capital use Working capital cycle and where the cash goes.
HTB valuation history
HTB returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
HTB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
HTB cash returned to shareholders
HTB price vs earnings per share
HTB key metrics
FY2017–FY2026| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $853.5M | $637.0M | $505.3M | $329.7M | $395.3M | $460.2M | $276.7M | $462.4M | $527.1M | $438.1M |
| Enterprise value | $383.7M | $187.4M | $130.3M | $51.3M | −$46.4M | $138.0M | $141.9M | $658.0M | $642.3M | $567.8M |
| P/E ratio | 13.3 | 11.6 | 10.1 | 7.4 | 11.1 | 29.4 | 12.1 | 17.0 | 64.0 | 37.0 |
| Price / sales | 2.9 | 2.2 | 1.9 | 1.5 | 2.5 | 2.9 | 1.7 | 2.9 | 3.9 | 3.8 |
| Price / book | 1.4 | 1.2 | 1.0 | 0.7 | 1.0 | 1.2 | 0.7 | 1.1 | 1.3 | 1.1 |
| Price / free cash flow | 20.0 | 22.6 | 33.6 | — | 16.7 | — | — | — | 18.9 | 35.6 |
| Price / operating cash flow | 17.2 | 14.2 | 17.1 | — | 11.9 | 48.1 | — | 60.6 | 16.8 | 29.0 |
| EV / sales | 1.3 | 0.6 | 0.5 | 0.2 | -0.3 | 0.9 | 0.9 | 4.1 | 4.7 | 4.9 |
| EV / EBITDA | 4.0 | 2.2 | 1.6 | 0.7 | — | 4.4 | 4.2 | 19.7 | 18.1 | 33.4 |
| EV / free cash flow | 9.0 | 6.6 | 8.7 | — | — | — | — | — | 23.1 | 46.2 |
| Earnings yield | 7.5% | 8.6% | 9.9% | 13.5% | 9.0% | 3.4% | 8.2% | 5.9% | 1.6% | 2.7% |
| Free cash flow yield | 5.0% | 4.4% | 3.0% | −17.3% | 6.0% | −4.0% | −20.4% | −2.4% | 5.3% | 2.8% |
| Dividend yield | 1.0% | 1.2% | 0.7% | 1.9% | 1.4% | 1.1% | 1.6% | 0.7% | — | — |
| Shareholder yield (dividends + buybacks) | 2.7% | 1.4% | 0.7% | 2.0% | 12.4% | 4.6% | 10.6% | 7.4% | 0.1% | 0.1% |
| Share price at fiscal year-end | $49.89 | $37.41 | $30.03 | $20.89 | $25.00 | $27.90 | $16.00 | $25.14 | $28.15 | $24.40 |
| Per share | ||||||||||
| Revenue per share | $17.10 | $17.33 | $15.80 | $13.69 | $9.82 | $9.69 | $9.63 | $8.68 | $7.27 | $6.40 |
| Earnings per share | $3.76 | $3.22 | $2.97 | $2.83 | $2.26 | $0.95 | $1.32 | $1.48 | $0.44 | $0.66 |
| Operating cash flow per share | $2.89 | $2.64 | $1.75 | −$2.69 | $2.10 | $0.58 | −$2.26 | $0.41 | $1.67 | $0.84 |
| Free cash flow per share | $2.50 | $1.66 | $0.89 | −$3.62 | $1.49 | −$1.12 | −$3.27 | −$0.60 | $1.49 | $0.68 |
| Cash per share | $28.06 | $27.00 | $30.24 | $30.96 | $28.47 | $26.50 | $35.27 | $26.44 | $27.86 | $31.68 |
| Book value per share | $35.11 | $32.40 | $29.71 | $29.86 | $24.59 | $24.04 | $23.61 | $22.23 | $21.85 | $22.15 |
| Tangible book value per share | $32.84 | $30.01 | $27.14 | $27.01 | $22.97 | $22.46 | $22.06 | $20.70 | $20.24 | $20.32 |
| Dividends per share | $0.49 | $0.45 | $0.21 | $0.39 | $0.34 | $0.30 | $0.26 | $0.17 | — | — |
| Capex per share | $0.39 | $0.98 | $0.86 | $0.93 | $0.60 | $1.70 | $1.01 | $1.02 | $0.18 | $0.16 |
| Debt per share | $0.60 | $0.59 | $7.95 | $13.32 | $0.53 | $6.97 | $27.47 | $37.07 | $34.01 | $38.90 |
| Shares outstanding | 17.1M | 17.0M | 16.8M | 15.8M | 15.8M | 16.5M | 17.3M | 18.4M | 18.7M | 18.0M |
| Change in shares outstanding | +0.5% | +1.2% | +6.6% | −0.2% | −4.2% | −4.6% | −6.0% | −1.8% | +4.3% | +2.0% |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 11.2% | 10.4% | 10.3% | 10.4% | 9.1% | 3.9% | 5.6% | 6.6% | 2.0% | 3.1% |
| Return on invested capital (ROIC) | 55.2% | 48.3% | 31.5% | 63.7% | — | 9.0% | 5.2% | 4.8% | 3.3% | 3.2% |
| Return on assets (ROA) | 1.4% | 1.2% | 1.1% | 1.1% | 1.0% | 0.4% | 0.6% | 0.8% | 0.3% | 0.4% |
| Return on tangible assets | 1.4% | 1.2% | 1.1% | 1.0% | 1.0% | 0.4% | 0.6% | 0.8% | 0.3% | 0.4% |
| Free cash flow margin | 14.6% | 9.6% | 5.7% | −26.4% | 15.2% | −11.5% | −33.9% | −6.9% | 20.5% | 10.7% |
| Income quality (OCF / net income) | 0.77 | 0.82 | 0.59 | −0.95 | 0.93 | 0.61 | −1.72 | 0.28 | 3.80 | 1.28 |
| Financial health | ||||||||||
| Total debt | $10.2M | $10.1M | $133.8M | $210.2M | $8.4M | $115.0M | $475.0M | $681.9M | $636.9M | $698.4M |
| Cash & short-term investments | $480.0M | $459.8M | $508.8M | $488.6M | $450.1M | $437.2M | $609.8M | $486.3M | $521.7M | $568.8M |
| Net debt | −$469.8M | −$449.6M | −$375.0M | −$278.3M | −$441.7M | −$322.2M | −$134.8M | $195.6M | $115.2M | $129.6M |
| Debt / equity | 0.02 | 0.02 | 0.27 | 0.45 | 0.02 | 0.29 | 1.16 | 1.67 | 1.56 | 1.76 |
| Debt / assets | 0.00 | 0.00 | 0.03 | 0.05 | 0.00 | 0.03 | 0.13 | 0.20 | 0.19 | 0.22 |
| Net debt / EBITDA | −4.91 | −5.17 | −4.73 | −3.94 | −7.72 | −10.29 | −4.01 | 5.86 | 3.25 | 7.62 |
| Current ratio | 0.13 | 0.17 | 0.18 | 0.17 | 0.15 | 0.20 | 0.27 | 0.26 | 0.29 | 0.33 |
| Quick ratio | 0.13 | 0.17 | 0.18 | 0.17 | 0.15 | 0.20 | 0.27 | 0.26 | 0.29 | 0.33 |
| Interest coverage | 1.0 | 0.8 | 1.0 | 1.9 | 8.5 | 1.2 | 0.9 | 1.1 | 2.2 | 2.1 |
| Working capital | −$3.21B | −$3.14B | −$3.11B | −$3.16B | −$2.64B | −$2.37B | −$2.04B | −$1.72B | −$1.56B | −$1.37B |
| Invested capital | $130.9M | $102.1M | $124.9M | $192.8M | −$52.8M | $74.4M | $273.4M | $604.5M | $524.4M | $527.3M |
| Tangible asset value | $561.7M | $511.1M | $456.7M | $426.3M | $363.1M | $370.5M | $381.5M | $380.8M | $379.1M | $364.8M |
| Net current asset value | −$3.45B | −$3.40B | −$3.50B | −$3.49B | −$2.70B | −$2.54B | −$2.56B | −$2.46B | −$2.25B | −$2.13B |
| Graham number | $54.52 | $48.44 | $44.58 | $43.57 | $35.33 | $22.67 | $26.46 | $27.17 | $14.70 | $18.13 |
| Graham net-net per share | −$201.85 | −$202.35 | −$210.28 | −$223.68 | −$171.02 | −$156.40 | −$150.33 | −$135.33 | −$121.98 | −$120.16 |
| Capital allocation | ||||||||||
| Dividends paid | $8.4M | $7.7M | $3.5M | $6.2M | $5.5M | $5.0M | $4.6M | $3.2M | — | — |
| Share buybacks (net) | $14.9M | $1.0M | $139,000 | $344,000 | $43.7M | $16.4M | $24.7M | $30.8M | $494,000 | $569,000 |
| Dividend payout ratio | 13.0% | 14.0% | 7.1% | 14.0% | 15.3% | 32.0% | 20.0% | 11.7% | — | — |
| Dividends + buybacks / free cash flow | 54.5% | 30.7% | 24.5% | — | 208.1% | — | — | — | 1.8% | 4.6% |
| Capex / revenue | 2.3% | 5.7% | 5.4% | 6.8% | 6.1% | 17.5% | 10.5% | 11.7% | 2.5% | 2.5% |
| Capex / operating cash flow | 13.6% | 37.2% | 49.0% | — | 28.7% | 292.5% | — | 245.2% | 11.0% | 18.7% |
| Capex / depreciation | 0.45 | 0.98 | 2.95 | 1.10 | 0.81 | 2.29 | 3.65 | — | 6.85 | — |
| Stock-based compensation / revenue | 1.4% | 1.2% | — | 1.4% | 2.4% | 2.0% | 1.8% | 1.9% | 3.2% | 4.7% |
| SG&A / revenue | 26.2% | 24.4% | 26.5% | 30.8% | 41.1% | 41.5% | 42.6% | 41.5% | 44.6% | 51.3% |
| Efficiency | ||||||||||
| Days sales outstanding | 125.0 | 217.4 | 222.6 | 139.9 | 184.4 | 329.5 | 288.0 | 275.5 | 306.4 | 350.4 |
| Receivables turnover | 2.92 | 1.68 | 1.64 | 2.61 | 1.98 | 1.11 | 1.27 | 1.33 | 1.19 | 1.04 |
| Asset turnover | 0.06 | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.05 | 0.05 | 0.04 | 0.04 |
| Average receivables | $100.1M | $175.8M | $162.1M | $82.8M | $78.5M | $144.3M | $131.4M | $120.5M | $114.2M | $110.3M |
| Intangibles / total assets | 0.9% | 0.9% | 0.9% | 1.0% | 0.7% | 0.7% | 0.7% | 0.8% | 0.9% | 1.0% |
Computed from HTB's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
HTB valuation and financial ratios
At the end of fiscal 2026 (June 30, 2026), HomeTrust Bancshares traded at 13.3 times earnings, against a 10-year median of 12.7. Based on the latest twelve months, the trailing P/E is 12.4 and the forward P/E is 11.3. HomeTrust Bancshares earned a return on equity of 11.2% and a return on invested capital of 55.2% in fiscal 2026. It ended the year with $10.2 million of debt and $480.0 million in cash and short-term investments, a net cash position of $469.8 million. It returned $23.3 million to shareholders: $8.4 million in dividends and $14.9 million in share buybacks, 54% of free cash flow. The share count fell 4.7% from 18.0M to 17.1M over 9 years.
See the HTB income statement, the HTB chart for price history, or the HTB stock overview for the latest quote and news.
HTB key metrics FAQ
What is HomeTrust Bancshares's P/E ratio?
HomeTrust Bancshares's trailing P/E ratio is 12.4 based on the last twelve months of earnings (as of October 18, 2026), and its forward P/E is 11.3. At the end of fiscal 2026 it was 13.3, compared with a 10-year median of 12.7.
What is HomeTrust Bancshares's EV/EBITDA?
HomeTrust Bancshares's enterprise value was 4.0 times EBITDA at the end of fiscal 2026 (enterprise value $383.7 million, EBITDA $95.7 million).
What is HomeTrust Bancshares's return on equity?
HomeTrust Bancshares's return on equity (ROE) was 11.2% in fiscal 2026: net income of $64.4 million on average shareholders' equity of $576.2 million.
What is HomeTrust Bancshares's ROIC?
HomeTrust Bancshares's return on invested capital was 55.2% in fiscal 2026, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does HomeTrust Bancshares have?
HomeTrust Bancshares had total debt of $10.2 million at the end of fiscal 2026, a debt-to-equity ratio of 0.02 and more cash than debt.
What is HomeTrust Bancshares's dividend yield?
HomeTrust Bancshares's forward dividend yield is 1.27%. HomeTrust Bancshares paid $8.4 million in dividends in fiscal 2026 ($0.49 per share), a payout ratio of 13.0%.
Does HomeTrust Bancshares buy back its shares?
Yes. HomeTrust Bancshares spent $14.9 million on net share repurchases in fiscal 2026 Shares outstanding changed +0.5% over the year, to 17.1M..
What is HomeTrust Bancshares's free cash flow yield?
HomeTrust Bancshares generated $42.8 million of free cash flow in fiscal 2026, a free cash flow yield of 5.0% on its market value at year-end ($853.5 million).
What is HomeTrust Bancshares's current ratio?
HomeTrust Bancshares's current ratio was 0.13 at the end of fiscal 2026: current assets were 0.13 times current liabilities.