HomeTrust Bancshares, Inc. (HTB) Stock

HomeTrust Bancshares, Inc. (HTB) is a Financials stock trading at $47.06 (as of 2026-09-02), with a market capitalization of $785.58M and a trailing P/E of 12.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

HomeTrust Bancshares, Inc. is the bank holding company for HomeTrust Bank, providing retail and commercial banking services. It offers deposit accounts and certificates of deposit, mortgage and consumer loans, commercial and commercial real estate lending, small business administration and equipment finance products, plus cash management and online/mobile banking.

Understand HomeTrust Bancshares, Inc.: how it makes money

HomeTrust Bancshares runs a community bank earning spread income: it takes deposits (savings, CDs, money market) and lends them as mortgages, home equity lines, and commercial real estate loans. Earnings track the net interest spread, so rates and local loan demand drive results more than volume growth.

The entire profit model is a spread: collect deposits at a cost, lend at a margin, and hope that gap survives rate cycles and credit events without shrinking.

Business quality (Solid): Solid. A small regional bank with a 32% operating margin, 11% ROE, and a clean credit profile. No red flags, but also no scale advantages to insulate it from a downturn.

Valuation: At 12× earnings, HTB trades 8% below the Banking average (13×).

Bull case

  • Trades below sector multiple: At 11.9x earnings versus the 13x banking industry average, HTB screens 8% below its peers (valuation). If the credit story stays clean, that discount is a starting point rather than a penalty.
  • Credit book is barely leaking: Net charge-offs ran at 0.14% of average loans, and the loss allowance covers nonperforming loans at 165.96% (kpi). That level of coverage means a modest economic wobble would not dent earnings materially.

Bear case

  • Top line is quietly shrinking: Quarterly revenue came in around $100M, down roughly 4% year over year (10-Q). For a spread-based lender, declining revenue signals either tighter local loan demand or compressed margins, and neither helps the multiple.
Valuation — source: SEC EDGAR (first-party)
Price$47.06
Market Cap$785.58M
P/E Ratio12.1
EV / EBITDA5.6
Price / Book1.31
Price / Sales3.12
FCF Yield5.8%
DCF Value (model)$78.82
DCF Upside vs Price67.5%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$256.14M
Net Margin25.1%
Revenue Growth (YoY)-3.9%
EPS Growth (YoY)-5.9%
FCF Growth (YoY)-101.2%
Valuation vs Sector & Industry
Stock P/E12.1
Sector P/E (Financials)14.9
Industry P/E (Banking)12.7
vs Sector-19.0%
vs Industry-4.8%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($68.05M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOC. Hunter Westbrook
Employees539
CountryUS
IPO Date2011-12-27

Related Companies (Banking; 8 comparable banks)

  • Northrim BanCorp, Inc. (NRIM)
  • First Guaranty Bancshares, Inc. (FGBI)
  • Kearny Financial Corp. (KRNY)
  • Ponce Financial Group, Inc. (PDLB)
  • Farmers & Merchants Bancorp, Inc. (FMAO)
  • BCB Bancorp, Inc. (BCBP)
  • Columbia Financial, Inc. (CLBK)
  • Eastern Bankshares, Inc. (EBC)
HTB earnings history · HTB institutional & insider holders · HTB KPIs & operating metrics · HTB financials · HTB investor presentations & press releases · HTB SEC filings · HTB peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-09-02.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.