HTB
HomeTrust Bancshares, Inc.
Next earnings Jul 20, 2026 (before open) · consensus $0.88 EPS, $53.4M rev
Last earnings +3.6% on 2026-04-23
$49.04
▲ +0.14%$49.04▲ +39.02%
over 1Y
L $35.28EODHDH $49.04
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.1%
1W+2.1%
1M+5.3%
3M+17.0%
YTD+15.2%
1Y+39.0%
Buy
Conviction
Horizon
Long (>12mo)
12-mo target
$•••
Street · 9 analysts
Buy
Small-cap community bank compounding earnings double-digits, trading at 13x with aggressive buybacks and a fortress capital base — clear value.
The read
Quality fundamentals and an attractive price line up (~61% below fair value) — the rarer case where both the business and the entry look good.
HomeTrust is a textbook compounding community bank that the market is pricing as if growth has stalled. Net income has marched from $15.7M in FY2021 to $64.4M in FY2025 — a quadrupling in four years — with FY2025 alone delivering +17.4% net income growth and +16.3% diluted EPS growth to $3.72. At $49.27, the stock trades at just 13.2x trailing earnings, which is undemanding for a bank growing earnings in the mid-teens and shrinking its share count. (Note: the 'revenue' line and resulting P/S and net-margin figures are not meaningful here — banks report net interest income, not GAAP contract revenue, so the $10.4M FY2021 figure and the 620% 'net margin' are XBRL tag artifacts and should be ignored.)
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $10.4M | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $15.7M | $35.7M | $44.6M | $54.8M | $64.4M |
| Diluted EPS | $0.94 | $2.23 | $2.80 | $3.20 | $3.72 |
| Net margin | 151.1% | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF18.3
PEG (trailing)0.76
Earnings yield7.8%
FCF yield5.5%
Quality & risk
ROIC (est.)—
Free cash flow$45.3M
Total debt—
Net cash$325M
Piotroski F-Score4/6
Capital returns
Buyback yield1.6%
Dividend yield (est.)1.0%
Shareholder yield2.6%
Shares Δ YoY-3.6%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsRecent disclosure tone has been improving.
- 8-K Officer / director change2026-05-19
Annual meeting vote results and executive officer change disclosed
- 8-K Other event2026-05-15
Other event disclosure under Item 8.01; routine corporate update
- 10-Q Quarterly report2026-05-06
Q1 2026 results filed; continued profitability after FY25 EPS +16%
- 8-K Earnings results2026-04-23
Q1 2026 earnings released with press release and supplemental exhibits
- 8-K Other event2026-04-07
DEF 14A proxy filed for 2026 annual meeting
- DEF 14A Proxy statement2026-04-07
DEF 14A proxy filed for 2026 annual meeting
- 10-K Annual report2026-03-13
FY25 net income $64.4M (+17%), EPS $3.72; new 870k-share buyback authorized
- 8-K Officer / director change2026-02-11
Executive officer change announced (Item 5.02)
- 8-K Earnings results2026-01-22
Q4 2025 earnings released alongside dividend/other Reg FD disclosures
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-26open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-05-272026-05-28open ↗144Filing2026-05-27open ↗8-KPeriod ending 2026-05-182026-05-19open ↗
Frequently asked
- Is HomeTrust Bancshares, Inc. (HTB) a buy?
- HTB currently carries a Buy rating with 4/5 conviction, derived from its latest SEC filings. Small-cap community bank compounding earnings double-digits, trading at 13x with aggressive buybacks and a fortress capital base — clear value.
- What is HTB's fair value?
- A Modified-Graham model based on HTB's SEC fundamentals estimates a fair value of about $78.76. It is an estimate from reported earnings, not a price target.
- Is HTB overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, HTB currently appears undervalued relative to its SEC-grounded earnings power.
- What is HomeTrust Bancshares, Inc.'s quality score?
- HTB scores 68.47058823529412/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001538263, latest 10-Q filed 2026-05-06) · EODHD · analysis by claude-code · as of 6/25/2026, 2:56:38 PM.
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