HomeTrust Bancshares, Inc. (HTB) stock analysis
Close on Nov 11, 2026Market cap $789.92MP/E 11.9Yield 1.04%
StockData Score
Prices as of Nov 11, 2026How the score works
Solid15 of 30 checks passed
HomeTrust Bancshares passes 15 of the 30 checks behind our score; 5 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 3/6
- Growth
- 2/6
- Past performance
- 4/6
- Financial health
- 2/6
- Dividend
- 4/6
What stands out
Earnings grew over 5 years
Net income grew 18.8% a year on average over the last five fiscal years.
Revenue growing 10%+ a year
Revenue grew 174% a year over the last three fiscal years.
EPS growing 10%+ a year
Diluted EPS grew 58.2% a year over the last three fiscal years.
P/E below its 5-year median
HomeTrust Bancshares's P/E of 11.9 is below its own 5-year median of 12.2.
What to watch
Margin of safety under 20%
The price is 5.9% above fair value, so there is no margin of safety.
Trading above fair value
The share price of $47.32 is above our fair value estimate of $44.69.
Return on equity under 15%
Return on equity was 11.4% over the last twelve months and averaged 8.2% over five years; we look for 15% on both.
Loans exceed deposits
Loans equal 100% of deposits, so the bank relies on other borrowing.
Valuation3/6
P/E below its 5-year median
HomeTrust Bancshares's P/E of 11.9 is below its own 5-year median of 12.2.
P/E below the industry
HomeTrust Bancshares's P/E of 11.9 is below the Savings Institutions median of 13.7.
P/S below the industry
HomeTrust Bancshares's price-to-sales of 3.62 is below the Savings Institutions median of 3.77.
P/B above the industry
HomeTrust Bancshares's price-to-book of 1.39 is above the Savings Institutions median of 1.04.
Trading above fair value
The share price of $47.32 is above our fair value estimate of $44.69.
Margin of safety under 20%
The price is 5.9% above fair value, so there is no margin of safety.
Growth2/6
Revenue growing 10%+ a year
Revenue grew 174% a year over the last three fiscal years.
EPS growing 10%+ a year
Diluted EPS grew 58.2% a year over the last three fiscal years.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growth against the industry
Needs revenue for this year and last.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance4/6
Return on equity under 15%
Return on equity was 11.4% over the last twelve months and averaged 8.2% over five years; we look for 15% on both.
Return on assets over 1%
Return on assets was 1.5%; for a bank or insurer, 1% or more is considered good.
Return on equity above the industry
HomeTrust Bancshares's return on equity of 11.4% is above the Savings Institutions median of 6.1%.
Earnings grew over 5 years
Net income grew 18.8% a year on average over the last five fiscal years.
Net margin below its 5-year average
Net margin was 30.5% over the last twelve months, against a 5-year average of 88.8%.
Net margin above the industry
HomeTrust Bancshares's net margin of 30.5% is above the Savings Institutions median of 20.3%.
Financial health2/6
Well capitalized
Equity is 12.9% of total assets; 8% or more is a comfortable cushion.
Loans exceed deposits
Loans equal 100% of deposits, so the bank relies on other borrowing.
Adequate loan-loss reserve
The allowance for credit losses is 1.1% of loans; we look for at least 1%.
High cost base
Non-interest expense takes 60.9% of revenue; under 60% is efficient for a bank.
Deposits shrinking
Deposits fell 3.1% over the past year.
Borrowings
Needs debt and equity figures.
Dividend4/6
Pays a dividend
HomeTrust Bancshares paid dividends worth 1.2% of the share price over the last twelve months.
Yield below Treasuries
The 1.2% yield is below the 4.4% on a 1-year Treasury.
Yield below the top quarter
The top quarter of US dividend payers yield 3.8% or more; HomeTrust Bancshares yields 1.2%.
Dividend not cut
The dividend per share has not fallen by more than 10% in any of the last 6 fiscal years.
Covered by earnings
Dividends take 14.0% of net income.
Covered by free cash flow
Dividends take 8.1% of free cash flow.
Fair value
How we estimate itOur estimate per share
$44.69
The share price is 6% above this estimate.
| Method | Multiple used | Own 5Y median | Industry median | Value per share | Weight |
|---|---|---|---|---|---|
| P/E | 12.9× | 12.2× | 13.7× | $51.31 | 50% |
| P/B | 1.1× | 1.2× | 1.0× | $38.07 | 50% |
| Fair value | $44.69 | 100% | |||
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Own 5-year median 12.2
- Savings Institutions median 13.7
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
Medium risk
- Average value traded per day
- $5.65M
- Value traded per 1% price move
- $7.60M
Downside
Low risk
- Typical loss in a bad month
- 8.3%
- Volatility (annualized)
- 21%
- Sharpe ratio, 1 year
- 0.63
- Beta to the S&P 500 (5Y)
- 0.65
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2010 to 2025
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | – | +12.4% | +82.3% | +8.7% | |
| Net income | – | +21.8% | +23.1% | +23.1% | |
| EPS, diluted | – | +18.6% | +23.4% | +24.4% | |
| Free cash flow | – | +11.7% | – | – | |
| Dividend per share | – | +11.9% | +12.7% | – |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2015 | FY2019 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 2.1% | 6.6% | – | |
| Return on assets | 0.3% | 0.8% | – | |
| Capex to revenue | 5.3% | 19.1% | 2.0% | |
| Diluted shares | 19M | 18M | 17M |
Where the cash went
Fiscal 2020 to 2025, five years combined
HomeTrust Bancshares generated $170.14M from operations and spent $160.43M on capital expenditure, dividends and share buybacks. 21% of that went back into the business.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2023 | 23.7% | 0.05× | 9.48× | 10.4% |
| FY2022 | 23.8% | 0.04× | 9.01× | 9.1% |
| FY2021 | 151.1% | 0.00× | 9.01× | 3.9% |
| FY2020 | 215.5% | 0.00× | 8.81× | 5.6% |
| FY2019 | 243.9% | 0.00× | 8.29× | 6.6% |
| FY2018 | 81.1% | 0.00× | 8.07× | 2.0% |
| FY2017 | 131.6% | 0.00× | 7.82× | 3.1% |
| FY2016 | 11.9% | 0.03× | 7.52× | 3.1% |
| FY2015 | 8.7% | 0.04× | 6.49× | 2.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$64.36M
- Cash generatingOperating cash flow above zero$49.49M
- Return on assets improvedROA up on the prior year– → –
- Earnings backed by cashOperating cash flow above net income$49.49M vs $64.36M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise– → 17M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose– → –
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