HomeTrust Bancshares (HTB) Stock Price, News & Analysis

Company Overview

HomeTrust Bancshares, Inc. is the bank holding company for HomeTrust Bank, a regional community bank that provides a range of commercial and consumer banking services. Through its subsidiary bank, the company offers traditional deposit and lending products, including checking and savings accounts, certificates of deposit, residential mortgages, home equity lending, and business loans. HomeTrust also delivers treasury management and payment services for small and midsize businesses, along with digital banking tools to support day-to-day account access and payments.

The company’s product set extends beyond core banking to include wealth management and trust services, commercial real estate financing, and specialized lending for agriculture and construction where relevant to local markets. HomeTrust emphasizes relationship-oriented banking, pairing branch-based customer service with online and mobile channels to serve consumers, business clients, and mortgage borrowers. Its commercial offerings typically cover lines of credit, term loans and equipment financing designed to support local economic activity.

Headquartered in Asheville, North Carolina, HomeTrust Bancshares operates a network of branches and lending offices serving communities in the southeastern United States, with a concentration in its regional home markets. The holding company structure supports strategic deployment of capital and targeted expansion through branch growth and selective acquisitions, while maintaining a community bank focus on local decision-making and customer relationships.

Governed by a board of directors and an executive management team, HomeTrust positions itself as a community-focused financial institution aiming to balance shareholder and stakeholder interests through conservative risk management and customer service. Its strategy emphasizes serving individuals and businesses in its core markets, offering personalized banking solutions and maintaining community engagement through local lending and deposit services.

Key Stats

• Today's Range: $49.96 to $50.89
• 50-Day Range: $44.51 to $49.87
• 52-Week Range: $37.30 to $50.89
• Volume: 82,874 shs
• Average Volume: 83,048 shs
• Market Capitalization: $852.57 million
• P/E Ratio: 13.08
• Dividend Yield: 1.18%
• Price Target: $47.00
• Consensus Rating: Moderate Buy

HomeTrust Bancshares Stock Analysis - MarketRank™

HomeTrust Bancshares scored higher than 64% of companies evaluated by MarketBeat, and ranked 40th out of 116 stocks in the financial services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.5 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

HomeTrust Bancshares has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on no strong buy ratings, 1 buy rating, 1 hold rating, and no sell ratings.

Downside Risk

HomeTrust Bancshares has a consensus price target of $47.00, representing about 7.1% downside from its current price of $50.59.

Amount of Analyst Coverage

HomeTrust Bancshares has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 3.77%

Earnings Growth

Earnings for HomeTrust Bancshares are expected to grow by 3.77% in the coming year, from $3.71 to $3.85 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of HomeTrust Bancshares is 13.07, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 40.59.

Price to Earnings Ratio vs. Sector

The P/E ratio of HomeTrust Bancshares is 13.07, which means that it is trading at a less expensive P/E ratio than the Financial Services sector average P/E ratio of about 29.63.

Price to Book Value per Share Ratio

HomeTrust Bancshares has a P/B Ratio of 1.47. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.81% of the float of HomeTrust Bancshares has been sold short.

Short Interest Ratio / Days to Cover

HomeTrust Bancshares has a short interest ratio ("days to cover") of 2.93, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in HomeTrust Bancshares has recently decreased by 10.78%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

HomeTrust Bancshares pays a meaningful dividend of 1.21%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

HomeTrust Bancshares does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of HomeTrust Bancshares is 15.50%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, HomeTrust Bancshares will have a dividend payout ratio of 15.58% next year. This indicates that HomeTrust Bancshares will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: N/A

News Sentiment

HomeTrust Bancshares has a news sentiment score of 0.19. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.83 average news sentiment score of Financial Services companies.

News Coverage This Week

MarketBeat has tracked 1 news article for HomeTrust Bancshares this week, compared to 0 articles on an average week.

Company Ownership

• Score: 1.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, HomeTrust Bancshares insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $2,794,550.00 in company stock.

Percentage Held by Insiders

11.02% of the stock of HomeTrust Bancshares is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

60.94% of the stock of HomeTrust Bancshares is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

Company Calendar

• Record date for 5/28 Dividend: 5/14/2026
• Ex-Dividend for 5/28 Dividend: 5/14/2026
• Dividend Payable: 5/28/2026
• Today: 7/01/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Financial Services
• Industry: Savings Institutions
• Sub-Industry: Banking
• Current Symbol: NYSE:HTB
• CIK: 1538263
• Web: N/A
• Phone: (828) 259-3939
• Fax: N/A
• Employees: 520
• Year Founded: 1926

Price Target and Rating

• Average Price Target for HomeTrust Bancshares: $47.00
• High Price Target: $47.00
• Low Price Target: $47.00
• Potential Upside/Downside: -7.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $3.87
• Trailing P/E Ratio: 13.11
• Forward P/E Ratio: 13.67
• P/E Growth: N/A
• Net Income: $64.36 million
• Net Margins: 22.78%
• Pretax Margin: 28.57%
• Return on Equity: 11.25%
• Return on Assets: 1.47%

Debt

• Debt-to-Equity Ratio: 0.17
• Current Ratio: 1.08
• Quick Ratio: 1.05

Sales & Book Value

• Annual Sales: $292.47 million
• Price / Sales: 2.91
• Cash Flow: $4.66 per share
• Price / Cash Flow: 10.89
• Book Value: $34.44 per share
• Price / Book: 1.47

Miscellaneous

• Outstanding Shares: 16,810,000
• Free Float: 14,953,000
• Market Cap: $852.38 million
• Optionable: N/A
• Beta: 0.81