HomeTrust Bancshares, Inc.
- Open
- 47.97
- Day high
- 48.87
- Day low
- 47.46
- Prev close
- 48.13
- Volume
- 86K
- Mkt cap
- $809M
- P/E (TTM)
- 12.3
- EPS (TTM)
- $3.98
- P/B
- 1.4
- P/S
- 2.8
- Yield
- 1.10%
- Per share
- $0.53
- ▼Insiders net selling -$2.8M over the last 3 months (0 open-market buys, 5 sales)
HomeTrust Bancshares, Inc. (HTB) is a Financial Services company listed on NYSE. The stock is up 24% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 5 sales (SEC Form 4).
HomeTrust Bancshares, Inc. (HTB) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
HTB earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $0.82 | $0.99 | +20.7% | $54M | +4.9% |
| Mar 13, 2026 | — | $0.94 | — | $73M | — |
| Oct 22, 2025 | $0.88 | $0.95 | +8.0% | $74M | +40.2% |
| Jul 22, 2025 | $0.82 | $1.00 | +22.0% | $72M | +41.0% |
| Apr 24, 2025 | $0.76 | $0.84 | +10.5% | $72M | +44.0% |
| Jan 23, 2025 | $0.74 | $0.83 | +12.2% | $51M | +3.2% |
| Oct 24, 2024 | $0.80 | $0.76 | -5.0% | $50M | +1.1% |
| Jun 30, 2024 | $0.73 | $0.73 | +0.7% | $50M | -0.7% |
| Mar 31, 2024 | — | $0.89 | — | $50M | — |
| Dec 31, 2023 | $0.73 | $0.80 | +9.6% | $50M | +4.0% |
| Sep 30, 2023 | — | $0.88 | — | $51M | — |
| Jun 30, 2023 | $0.89 | $0.90 | +0.6% | $51M | -3.4% |
HTB insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Jun 3, 2026 | Lowe Rebekah M.director | Tax | 297 | $46.83 |
| Jun 3, 2026 | Lowe Rebekah M.director | Grant | 867 | — |
| Jun 3, 2026 | Williams Richard Tyronedirector | Grant | 867 | — |
| Jun 3, 2026 | Neelagaru Narasimhuludirector | Grant | 867 | — |
| Jun 3, 2026 | KENDALL LAURA Cdirector | Grant | 867 | — |
| Jun 3, 2026 | HANCOCK BONNIE Vdirector | Grant | 867 | — |
| Jun 3, 2026 | Cureton Jessedirector | Grant | 867 | — |
| Jun 3, 2026 | Jacobs Dwight L.director | Grant | 867 | — |
| Jun 3, 2026 | Switzer Johndirector | Grant | 867 | — |
| May 28, 2026 | POWELL KRISTIN Y.officer: EVP, Consumer & BB Group Exec | Sell | 1,000 | $46.78 |
| May 28, 2026 | POWELL KRISTIN Y.officer: EVP, Consumer & BB Group Exec | Option | 1,000 | $24.95 |
| May 8, 2026 | Westbrook Hunterdirector, officer: President, CEO | Sell | 3,904 | $46.17 |
| May 8, 2026 | Westbrook Hunterdirector, officer: President, CEO | Option | 3,904 | $26.00 |
| May 7, 2026 | Westbrook Hunterdirector, officer: President, CEO | Sell | 5,074 | $46.00 |
| May 7, 2026 | Westbrook Hunterdirector, officer: President, CEO | Option | 5,074 | $26.00 |
Source: HTB SEC Form 4 filings, latest Jun 3, 2026. For informational purposes only — not investment advice.
See the full HTB insider & 13F page →HomeTrust Bancshares, Inc. company profile
Overview
HomeTrust Bancshares, Inc. (NASDAQ:HTB) is a regional bank holding company founded in 1926 and headquartered in Asheville, North Carolina. The company operates through its primary subsidiary, HomeTrust Bank, which serves customers across the southeastern United States with 41 offices spanning North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. As a nearly century-old institution, HomeTrust has evolved from a local community bank into a regional financial services provider while maintaining its focus on serving individuals, businesses, and nonprofit organizations in its core geographic markets.
Business
HomeTrust Bancshares operates in the regional banking industry, providing traditional banking services through its subsidiary HomeTrust Bank. Regional banks serve as intermediaries in the financial system, accepting deposits from customers and lending those funds to borrowers while earning a profit on the interest rate spread. The company's core business consists of two primary segments. Deposit products form the funding base and include savings accounts, money market accounts, demand deposits (checking accounts), and certificates of deposit (CDs). These products serve individuals, businesses, and nonprofit organizations who seek secure places to store their money while earning modest returns. Lending operations represent the primary revenue-generating activity and encompass several categories. Retail consumer loans include one-to-four-family residential real estate mortgages, home equity lines of credit, construction and land development loans, indirect automobile financing, and general consumer lending. Commercial lending includes commercial real estate loans, construction and development financing, and commercial and industrial loans to businesses. The bank also originates Small Business Administration (SBA) loans, equipment finance leases, and municipal leases. Additional services include cash management solutions for business customers and digital banking platforms offering online and mobile banking capabilities. These services help generate fee income and enhance customer relationships beyond traditional lending and deposit activities. The bank's loan portfolio composition typically reflects a mix weighted toward real estate-secured lending, which is common among regional banks given the relatively lower risk profile and strong collateral backing of real estate assets.
Revenue model
HomeTrust generates revenue primarily through net interest income, which represents the difference between interest earned on loans and investments versus interest paid on deposits and borrowed funds. This spread-based model is fundamental to traditional banking operations. When the bank lends money at 6% interest while paying depositors 2%, the 4% spread generates profit. The bank's paying customers include individual consumers seeking mortgages, home equity loans, and auto financing, as well as businesses requiring commercial real estate loans, working capital lines of credit, and equipment financing. Depositors, who provide the funding base, include retail customers, businesses, and nonprofits seeking safe storage for their funds. Secondary revenue streams include fee income from services such as cash management, loan origination fees, and banking service charges. SBA loan sales can also generate additional fee income when the bank originates loans and sells the guaranteed portions to investors. Several factors significantly impact the bank's profitability margins. Interest rate environment is the most critical factor - rising rates can improve net interest margins if loan rates adjust faster than deposit costs, while falling rates can compress margins. Credit quality directly affects profitability through loan loss provisions, with economic downturns potentially requiring higher reserves for bad debts. Competition from other regional banks, credit unions, and fintech lenders can pressure both loan pricing and deposit rates. Regulatory compliance costs represent a significant fixed expense that can impact efficiency ratios. Economic conditions in the bank's southeastern markets affect loan demand and credit quality, while real estate market health is particularly important given the bank's concentration in real estate lending.
Competitive moat
HomeTrust Bancshares operates in a moderately competitive regional banking sector with limited sustainable competitive advantages. The company's primary moat stems from its local market presence and customer relationships built over nearly a century of operations. Regional banks often benefit from superior knowledge of local market conditions, established relationships with community businesses, and personalized service that larger national banks may struggle to replicate. The bank's geographic footprint across North Carolina, South Carolina, Tennessee, and Virginia provides some diversification within the southeastern region, though this also exposes it to regional economic cycles. Its branch network creates modest barriers to entry for new competitors, as establishing physical presence requires significant capital investment and regulatory approval. However, HomeTrust's moat is relatively weak compared to larger regional banks or specialized financial institutions. The company faces intense competition from numerous sources including larger regional banks with greater resources, community banks with similar local focus, credit unions offering competitive rates, and increasingly sophisticated fintech lenders that can undercut traditional banks on pricing and convenience. Digital disruption poses a particular threat as online-only banks can offer higher deposit rates and faster loan approvals without maintaining expensive branch networks. The banking industry's commoditized nature means that HomeTrust's products are largely indistinguishable from competitors, making customer retention dependent primarily on service quality and relationship strength rather than unique product features. Regulatory requirements create high barriers to entry but also limit the bank's ability to differentiate through innovative products or pricing strategies.
Risks & safety
HomeTrust Bancshares presents a moderate margin of safety profile typical of well-capitalized regional banks, though with some areas of concern. • Liquidity position: Strong with $308 million in cash and short-term investments as of Q4 2024, representing approximately 7% of total assets • Debt levels: Very low debt-to-equity ratio of 1.8% indicates minimal leverage and low solvency risk • Profitability: Consistent earnings with 2024 net income of $54.8 million and ROE of 9.9% • Valuation metrics: Trading at reasonable P/E ratio of 10.4x and price-to-book of 1.03x, suggesting fair valuation • Asset quality: Total assets of $4.6 billion with shareholders' equity of $552 million providing adequate capital buffer • Cash flow: Positive operating cash flow of $45 million in 2024, though with some quarterly volatility • Regulatory capital: While specific ratios aren't provided, the balance sheet structure suggests adequate capitalization for regulatory requirements • Geographic concentration risk: Limited to southeastern markets, creating vulnerability to regional economic downturns • Interest rate sensitivity: Asset-liability duration mismatch typical of banks creates exposure to interest rate volatility
Recent development
Based on the available financial data, HomeTrust has demonstrated steady operational performance over recent years with some notable trends. The bank has maintained consistent profitability throughout 2024, with quarterly net income ranging from $12.4 million to $15.1 million, indicating stable core banking operations. Balance sheet management has shown conservative positioning with the bank maintaining elevated cash levels, reaching over $414 million in Q1 2024 before moderating to $308 million by year-end. This suggests management has been cautious about loan growth and maintained high liquidity buffers, possibly in response to uncertain economic conditions or interest rate volatility. Asset quality focus appears to be a priority, with the bank's total assets remaining relatively stable around $4.6-4.7 billion throughout 2024, suggesting disciplined growth rather than aggressive expansion. The modest fluctuations in total assets indicate management is prioritizing asset quality over rapid growth. Capital management has improved significantly, with the debt-to-equity ratio declining from 44.6% in 2022 to just 1.8% by the end of 2024, indicating either debt paydown or equity strengthening initiatives. This dramatic improvement in leverage suggests a strategic focus on building financial strength. Revenue has shown steady growth from $186.4 million in 2022 to $202.1 million in 2024, representing an 8.4% increase over two years, which is modest but consistent performance for a regional bank during a period of economic uncertainty.
HTB company profile · for informational purposes only — not investment advice.
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