HomeTrust Bancshares (HTB) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

HomeTrust Bancshares

NYSE•Financial Services•Banks - Regional

$47.25+0.19(<0.01%)Market closed

Market Cap

$791.77M

P/E

12.2x

P/S

2.7x

P/B

1.3x

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services in the United States. It's deposit products include savings, money market, noninterest-bearing, and interest-bearing checking accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises one-to-four-family real estate lending, multifamily, home equity lines of credit, construction and land development, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and land development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, and municipal leases, as well as cash management and online/mobile banking services. In addition, the company invests in debt securities issued by the United States government agencies and government-sponsored enterprises, municipal bonds, corporate bonds, commercial paper, and certificates of deposit insured by the federal deposit insurance corporation. Further it provides healthcare banking, designed to serve the distinct financial needs of healthcare practices and professionals; provides customized financial solutions and relationship-driven support for medical, dental, and veterinary practices throughout each stage of the business lifecycle, from acquisition and ownership transition to expansion and long-term operations. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

How this company scores

AverageMetricSide Score: 59/100

Strongest: Profitability (20/25); weakest: Cash & Earnings Quality (9/25).

Profitability20/25

Growth12/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality9/25

Strengths

Strong marginsLow leverageProfit converts from growthImproving leverage

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 12.2x5y range 7.2x – 28.3x

Currently near its 20-quarter median.

P/S · 2.7x5y range 1.5x – 3.1x

Currently near its 20-quarter median.

P/B · 1.3x5y range 0.8x – 1.3x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Earnings Quality

Red Flag

FCF consistently trails net income (avg 1.7x) — earnings may be inflated by non-cash items or aggressive accounting.

Revenue Decline

Watch

Revenue has softened, declining in 4 quarters. Watch for further erosion.

Price & Volume

Market Cap $791.77M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $288.96M
Q. Revenue: $70.42M
TTM EBITDA: $82.75M
TTM Op. Income: $79.99M
Q. Op. Income: $19.54M
TTM Net Income: $65.02M
Q. Net Income: $15.63M
EPS: $0.95
Shares Out.: $16.31M

$288.96M in TTM revenue declined 2.5% YoY, reaching $70.42M last quarter. TTM EBITDA of $82.75M and TTM operating income of $79.99M show growth is flowing through to the bottom line. TTM net income of $65.02M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has fallen for 4 consecutive quarters — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 77.5%
EBITDA Margin: 29.9%
Op. Margin: 27.8%
Net Margin: 22.2%

Op. margin of 27.8% is down 1.7% YoY — costs are rising relative to revenue. Net margin at 22.2% and gross margin of 77.5% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 6% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 12.2x
P/S Ratio: 2.7x
P/B Ratio: 1.3x

At 12.2x P/E, the stock trades below typical market levels. P/S of 2.7x and P/B of 1.3x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 14% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $4.44B
Cash: $272.54M
Long-Term Debt: $175.00M
Book Value: $600.60M
D/E Ratio: 0.3
Debt/EBITDA: 8.3

With $4.44B in assets and $175.00M in long-term debt, D/E is 0.3and book value is $600.60M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 39% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $1.47M
TTM Free Cash Flow: $94.97M
FCF Margin: 32.9%
FCF / Net Income: 1.5

TTM FCF of $94.97M on $1.47M in operating cash flow. The FCF / Net Income ratio of 1.5x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 2 consecutive quarters — an improving trend.