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HomeTrust Bancshares, Inc. (HTB)
USD48.80
+0.27 (+0.56%)
US NYSE Financial Services Banks - Regional
Address
10 Woodfin Street 28801
Asheville, NC, US
Asheville, NC, US
CEO
C. Hunter Westbrook
Website
htb.com
IPO
2011-12-27
CIK 1538263 ISIN US4378721041
Also trades on
NASDAQ Global Select · HTBI (USD)
New York Stock Exchange · HTB (USD)
Description
HomeTrust Bancshares, Inc. serves as the holding company for HomeTrust Bank, providing a comprehensive array of retail and commercial banking products and services. Its deposit offerings include savings, money market, and demand accounts, along with certificates of deposit, catering to individuals, businesses, and nonprofit organizations. The company's lending activities encompass various retail consumer loans, such as financing for one-to-four-family real estate, home equity lines of credit, construction and land/lot acquisition, indirect auto loans, and general consumer credit. For commercial clients, it offers loans for commercial real estate, construction and development, and industrial purposes. Additionally, the company provides specialized financial services like Small Business Administration loans, equipment finance leases, indirect automobile loans, and municipal leases, alongside cash management and online/mobile banking capabilities. As of June 30, 2021, HomeTrust Bancshares, Inc. managed 41 branches spread across North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. The company was established in 1926 and maintains its principal office in Asheville, North Carolina.
News Sentiment (7d)
Based on only 1 article — low confidence
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
USD48.80
+0.27 (+0.56%)
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Volume Profile
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Liquidity & share structure
Average Volume
87.3K
Beta
0.81
Float Shares
15.11M
Free Float %
89.9%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.02% | -0.71% | +1.75% | +10.28% | +13.31% | +8.22% | +28.76% | +132.58% | +63.34% | +143.81% | +297.18% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Analyst Consensus (2 ratings, all time)
Buy
Price Targets & DCF
Current price
48.80
DCF (Unlevered)
15.14
-69.0%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
60% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 1 | 0 |
| Buy | 2 | 0 |
| Hold | 2 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.46
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
4 / 5
High
ROA Score
4 / 5
High
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
-
Revenue growth-0.9% Q1'26: -0.2% (vs Q1'25)
-
EPS growth+16.3% Q1'26: +17.9% (vs Q1'25)
-
FCF margin— Q1'26: +153.8% (vs Q1'25)
-
EBIT margin— Q1'26: +29.3% (vs Q1'25)
-
ROIC— Q1'26: +12.7% (vs Q1'25)
-
Share dilution+0.5% Q1'26: -2.3% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 1.07× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 2 Rev. Ana. 4 EPS Ana. |
Dec 2027 2 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
101.50M
est: 96.80M (+4.9%)
|
114.86M
est: 108.10M (+6.3%)
|
136.08M
est: 121.40M (+12.1%)
|
159.72M
est: 129.50M (+23.3%)
|
166.59M
est: 134.50M (+23.9%)
|
159.87M
est: 142.10M (+12.5%)
|
155.31M
est: 149.32M (+4.0%)
|
216.08M
est: 188.47M (+14.7%)
|
265.82M
est: 188.47M (+41.0%)
|
295.07M
est: 200.68M (+47.0%)
|
292.47M
est: 211.60M (+38.2%)
|
215.53M
215.18M – 215.88M
+1.9% YoY
|
221.25M
219.14M – 223.36M
+2.7% YoY
|
| EBITDA |
19.31M
est: 28.73M (-32.8%)
|
17.02M
est: 32.08M (-46.9%)
|
35.48M
est: 36.03M (-1.5%)
|
33.38M
est: 38.43M (-13.1%)
|
33.59M
est: 39.91M (-15.9%)
|
31.31M
est: 42.17M (-25.7%)
|
57.18M
est: 44.31M (+29.0%)
|
70.57M
est: 55.93M (+26.2%)
|
79.36M
est: 55.93M (+41.9%)
|
86.95M
est: 64.33M (+35.2%)
|
92.07M
est: 67.83M (+35.7%)
|
69.09M
68.97M – 69.20M
+1.9% YoY
|
70.92M
70.24M – 71.60M
+2.7% YoY
|
| EBIT |
16.36M
est: 22.29M (-26.6%)
|
17.04M
est: 24.89M (-31.5%)
|
34.97M
est: 27.95M (+25.1%)
|
33.94M
est: 29.82M (+13.8%)
|
28.81M
est: 30.97M (-7.0%)
|
19.10M
est: 32.72M (-41.6%)
|
45.38M
est: 34.38M (+32.0%)
|
57.16M
est: 43.40M (+31.7%)
|
63.32M
est: 43.40M (+45.9%)
|
69.91M
est: 52.53M (+33.1%)
|
80.96M
est: 55.38M (+46.2%)
|
56.41M
56.32M – 56.50M
+1.9% YoY
|
57.91M
57.36M – 58.46M
+2.7% YoY
|
| Net Income |
11.46M
est: 11.07M (+3.5%)
|
11.85M
est: 15.84M (-25.2%)
|
8.24M
est: 23.10M (-64.4%)
|
27.15M
est: 24.18M (+12.3%)
|
22.78M
est: 17.88M (+27.4%)
|
15.68M
est: 33.63M (-53.4%)
|
35.65M
est: 39.89M (-10.6%)
|
44.60M
est: 52.33M (-14.8%)
|
50.04M
est: 52.33M (-4.4%)
|
54.81M
est: 53.40M (+2.6%)
|
64.36M
est: 61.72M (+4.3%)
|
62.12M
59.86M – 64.37M
+0.6% YoY
|
63.84M
58.87M – 68.82M
+2.8% YoY
|
| SGA |
55.48M
est: 31.83M (+74.3%)
|
58.88M
est: 35.54M (+65.6%)
|
60.67M
est: 39.92M (+52.0%)
|
66.27M
est: 42.58M (+55.7%)
|
70.91M
est: 44.22M (+60.3%)
|
66.38M
est: 46.72M (+42.1%)
|
63.89M
est: 49.10M (+30.1%)
|
66.61M
est: 61.97M (+7.5%)
|
70.45M
est: 61.97M (+13.7%)
|
72.02M
est: 59.85M (+20.3%)
|
76.77M
est: 63.11M (+21.6%)
|
64.28M
64.17M – 64.39M
+1.9% YoY
|
65.99M
65.36M – 66.62M
+2.7% YoY
|
| EPS |
0.65
est: 0.65 (+0.0%)
|
0.66
est: 0.93 (-29.0%)
|
0.45
est: 1.36 (-66.8%)
|
1.52
est: 1.42 (+7.0%)
|
1.34
est: 1.05 (+27.6%)
|
0.97
est: 1.98 (-50.9%)
|
2.27
est: 2.34 (-3.1%)
|
2.82
est: 3.07 (-8.2%)
|
2.98
est: 3.07 (-3.0%)
|
3.21
est: 3.12 (+2.8%)
|
3.75
est: 3.61 (+3.9%)
|
3.64
3.50 – 3.76
+0.8% YoY
|
3.73
3.44 – 4.02
+2.6% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-28 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-27 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-26 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-22 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-21 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-20 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-19 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-18 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-15 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-14 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-13 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-12 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-11 | B | 3/5 | 1/5 | 3/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-08 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-07 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-06 | B | 3/5 | 1/5 | 4/5 | 4/5 | 3/5 | 3/5 | 2/5 |
| 2026-05-05 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-04 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-01 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-29 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-28 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-27 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-24 | C+ | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-23 | B- | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-22 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-21 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-17 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
| 2026-04-16 | B+ | 3/5 | 1/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
83.08M
OE per share TTM
5.01
Owner's Yield
10.78%
Maintenance CapEx ratio
5.12%
Maint CapEx / Avg PPE
30.7%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
5
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 84 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | First Trust Dow Jones Select MicroCap Index Fund FDM | 0.80% | 2.10M | 0.65% |
| 2 | State Street SPDR US Small Cap Low Volatility Index ETF SMLV | 0.33% | 839.0K | 0.12% |
| 3 | Barron's 400SM ETF BFOR | 0.26% | 580.5K | 0.65% |
| 4 | iShares Micro-Cap ETF IWC | 0.17% | 2.57M | 0.60% |
| 5 | Federated Hermes MDT Small Cap Core ETF FSCC | 0.16% | 255.2K | 0.51% |
| 6 | EA Bridgeway Omni Small-Cap Value ETF BSVO | 0.15% | 2.61M | 0.47% |
| 7 | State Street SPDR S&P Regional Banking ETF KRE | 0.10% | 5.12M | 0.35% |
| 8 | Lazard US Systematic Small Cap Equity ETF SYZ | 0.10% | 50.7K | 0.74% |
| 9 | Avantis U.S. Small Cap Value ETF AVUV | 0.08% | 23.00M | 0.25% |
| 10 | Avantis Global Small Cap Value UCITS ETF AVGS.L | 0.07% | 780.7K | 0.39% |
Insider Activity
Insider Activity — Latest Quarter
Ratio by transactions
0.50
Neutral
Ratio by volume
0.50
Neutral
Buys
5
Sells
10
Shares acquired
61.0K
Shares disposed
122.0K
Cash buys
—
Cash sales
5.00
Net activity
-61,000
Insider buys vs sells (history)
From
To
Recent insider transactions
From
To
| Date | Person | Role | Transaction | A/D | Security | Shares | Price | Value | Owned after | D/I | Filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026-05-27 | POWELL KRISTIN Y. | Officer | M-Exempt | A | Common Stock | 1,000 | 24.95 | 25.0K | 22,595 | D | ↗ |
| 2026-05-07 | Westbrook Hunter | Director / Officer | M-Exempt | A | Common Stock | 3,904 | 26.00 | 101.5K | 109,732 | D | ↗ |
| 2026-05-06 | Westbrook Hunter | Director / Officer | M-Exempt | A | Common Stock | 5,074 | 26.00 | 131.9K | 110,902 | D | ↗ |
| 2026-05-05 | Westbrook Hunter | Director / Officer | M-Exempt | A | Common Stock | 31,022 | 26.00 | 806.6K | 136,850 | D | ↗ |
| 2026-05-01 | Westbrook Hunter | Director / Officer | S-Sale | D | Common Stock | 20,000 | 45.65 | 912.9K | 105,828 | D | ↗ |
| 2026-02-11 | Westbrook Hunter | Director / Officer | A-Award | A | Common Stock | 12,323 | 0.00 | — | 106,837 | D | ↗ |
| 2026-02-11 | VunCannon Tony J. | Officer | A-Award | A | Common Stock | 2,370 | 0.00 | — | 70,106 | D | ↗ |
| 2026-02-11 | Sprink John Francis II | Officer | A-Award | A | Common Stock | 2,011 | 0.00 | — | 16,817 | D | ↗ |
| 2026-02-11 | Sivley Charles F. Jr. | Officer | F-InKind | D | Common Stock | 141 | 44.04 | 6.2K | 5,208 | D | ↗ |
| 2026-02-11 | Pelletier Megan | Officer | F-InKind | D | Common Stock | 439 | 44.04 | 19.3K | 13,965 | D | ↗ |
| 2026-02-11 | POWELL KRISTIN Y. | Officer | A-Award | A | Common Stock | 1,392 | 0.00 | — | 20,242 | D | ↗ |
| 2026-02-11 | Nunley Kevin M. | Officer | A-Award | A | Common Stock | 963 | 0.00 | — | 5,780 | D | ↗ |
| 2026-02-11 | Jex Lora | Officer | A-Award | A | Common Stock | 963 | 0.00 | — | 6,678 | D | ↗ |
| 2026-02-06 | Sprink John Francis II | Officer | M-Exempt | A | Common Stock | 2,000 | 17.35 | 34.7K | 15,465 | D | ↗ |
| 2025-08-22 | POWELL KRISTIN Y. | Officer | M-Exempt | D | Stock Option | 2,000 | 17.35 | 34.7K | 0 | D | ↗ |
| 2025-08-14 | Westbrook Hunter | Director / Officer | F-InKind | D | Common Stock | 1,605 | 39.86 | 64.0K | 86,297 | D | ↗ |
| 2025-08-14 | VunCannon Tony J. | Officer | F-InKind | D | Common Stock | 327 | 39.86 | 13.0K | 66,155 | D | ↗ |
| 2025-08-14 | Pelletier Megan | Officer | F-InKind | D | Common Stock | 288 | 39.86 | 11.5K | 9,471 | D | ↗ |
| 2025-08-14 | POWELL KRISTIN Y. | Officer | J-Other | D | Common Stock | 635 | 0.00 | — | 19,293 | D | ↗ |
| 2025-06-02 | Williams Richard Tyrone | Director | A-Award | A | Common Stock | 1,116 | 0.00 | — | 25,362 | D | ↗ |
| 2025-06-02 | Switzer John | Director | A-Award | A | Common Stock | 1,116 | 0.00 | — | 8,883 | D | ↗ |
| 2025-06-02 | Neelagaru Narasimhulu | Director | A-Award | A | Common Stock | 1,116 | 0.00 | — | 224,074 | D | ↗ |
| 2025-06-02 | Lowe Rebekah M. | Director | A-Award | A | Common Stock | 1,116 | 0.00 | — | 4,885 | D | ↗ |
| 2025-06-02 | KENDALL LAURA C | Director | A-Award | A | Common Stock | 1,116 | 0.00 | — | 23,362 | D | ↗ |
| 2025-06-02 | Jacobs Dwight L. | Director | A-Award | A | Common Stock | 1,116 | 0.00 | — | 2,879 | D | ↗ |
| 2025-06-02 | JAMES ROBERT E. | Director | A-Award | A | Common Stock | 1,116 | 0.00 | — | 19,187 | D | ↗ |
| 2025-06-02 | HANCOCK BONNIE V | Director | A-Award | A | Common Stock | 1,116 | 0.00 | — | 2,734 | D | ↗ |
| 2025-06-02 | Cureton Jesse | Director | A-Award | A | Common Stock | 1,116 | 0.00 | — | 2,334 | D | ↗ |
| 2025-05-31 | Lowe Rebekah M. | Director | F-InKind | D | Common Stock | 427 | 36.09 | 15.4K | 3,769 | D | ↗ |
Executive team
Top executives
EBIT / Employee
150.2K
Shares Outstanding
16.81M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| C. Hunter Westbrook | Chief Executive Officer, President & Vice Chairperson of the Board | 1M | male |
| Tony J. VunCannon | Executive Vice President, Chief Financial Officer, Corporate Secretary & Treasurer | 559.7K | male |
| Kristin Y. Powell | Executive Vice President and Consumer & Business Banking Group Executive | 526.7K | female |
| John F. Sprink | Executive Vice President & Commercial Banking Group Executive | 508.3K | male |
| Megan Pelletier | Executive Vice President, Chief Operations & People Officer | 467.7K | female |
| Lora Jex | Executive Vice President & Chief Risk Officer | — | female |
| Kevin Nunley | Executive Vice President & Chief Credit Officer | — | male |
| Natasha Drozdak | Senior Vice President & Director of Digital Strategy | — | female |
| Robert McCain | Senior Vice President & Market President of Charlotte Metropolitan | — | male |
| Charles Sivley | Executive Vice President & Chief Technical Officer | — | male |
ESG Rating
ESG Score History BANKS - REGIONAL
Benchmark vs Sector
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for HTB
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
