HTB
Neutral signalScored 2026-08-04 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
HomeTrust Bancshares, Inc.
- Nom
- HomeTrust Bancshares, Inc.
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NYSE
- Capitalisation
- $802.9M
- Employés
- 562
- PDG
- C. Hunter Westbrook
- Site web
- https://www.htb.com
- Marché
- AMTBBFSTCCBGCCNEHBNCMBWM
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.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 10 000 titres (~511 348,00 $ US)
- Insiders
- KENDALL LAURA C
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$511,348
Avg sell (VWAP, 90d window) $51.13 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-07-30
- Last synced
-
2026-10-20 00:36:23
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-07-30 | KENDALL LAURA C | Sell · S | 10,000 | $51.13 | $511,348 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-04 Drivers: fundamentals. Moteurs : fondamentaux.
HTB presents a structurally conflicted profile: while improving profit margins, stable ROIC, and consistent FCF generation are encouraging long-term signals, the critically low liquidity ratios (current and quick below…
The first sentence of the analysis written for HTB on 2026-08-04 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.13 · operating margin 28% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2023-06-30 | 2022-06-30 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 70.5% | 65.9% | 69.9% | 79.1% | 96.9% | |
| Ebit Margin | 27.7% | 23.7% | 23.8% | 26.5% | 29.2% | |
| Ebitda Margin | 32.7% | 29.5% | 29.9% | 32.7% | 36.8% | |
| Operating Profit Margin | 27.7% | 23.7% | 23.8% | 26.5% | 29.2% | |
| Pretax Profit Margin | 27.7% | 23.7% | 23.8% | 26.5% | 29.2% | |
| Continuous Operations Profit Margin | 22.0% | 18.6% | 18.8% | 20.6% | 23.0% | |
| Net Profit Margin | 22.0% | 18.6% | 18.8% | 20.6% | 23.0% | |
| Bottom Line Profit Margin | 21.8% | 18.4% | 18.7% | 20.5% | 22.8% | |
| Current Ratio | 0.134 | 0.170 | 0.179 | 0.170 | 0.148 | |
| Quick Ratio | 0.134 | 0.170 | 0.179 | 0.170 | 0.148 | |
| Solvency Ratio | 0.020 | 0.018 | 0.016 | 0.014 | 0.015 | |
| Cash Ratio | 0.093 | 0.081 | 0.101 | 0.089 | 0.104 | |
| Price To Earnings Ratio | 11.451 | 10.492 | 8.963 | 7.408 | 11.013 | |
| Price To Earnings Growth Ratio | 0.681 | 1.359 | 1.580 | 0.306 | 0.082 | |
| Forward Price To Earnings Growth Ratio | 0.681 | 1.359 | 1.580 | 0.306 | 0.082 | |
| Price To Earnings Diluted Ratio | 11.543 | 10.525 | 8.993 | 7.461 | 11.211 | |
| Price To Earnings Diluted Growth Ratio | 0.710 | 1.359 | 1.481 | 0.292 | 0.082 | |
| Price To Book Ratio | 1.214 | 1.034 | 0.899 | 0.696 | 0.998 | |
| Price To Sales Ratio | 2.494 | 1.933 | 1.690 | 1.518 | 2.498 | |
| Price To Free Cash Flow Ratio | 17.054 | 20.201 | 0.000 | -5.738 | 16.423 | |
| Price To Operating Cash Flow Ratio | 14.740 | 12.681 | 0.000 | -7.735 | 11.709 | |
| Debt To Assets Ratio | 0.002 | 0.002 | 0.029 | 0.046 | 0.000 | |
| Debt To Equity Ratio | 0.017 | 0.018 | 0.268 | 0.446 | 0.000 | |
| Debt To Capital Ratio | 0.017 | 0.018 | 0.211 | 0.309 | 0.000 | |
| Long Term Debt To Capital Ratio | 0.017 | 0.018 | 0.020 | 0.021 | 0.000 | |
| Financial Leverage Ratio | 7.567 | 8.329 | 9.347 | 9.778 | 9.128 | |
| Working Capital Turnover Ratio | -0.092 | -0.095 | -0.085 | -0.075 | -0.062 | |
| Operating Cash Flow Ratio | 0.013 | 0.012 | 0.000 | -0.011 | 0.011 | |
| Operating Cash Flow Sales Ratio | 0.169 | 0.152 | 0.000 | -0.196 | 0.213 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.864 | 0.628 | 0.000 | 1.348 | 0.713 | |
| Debt Service Coverage Ratio | 0.997 | 0.773 | 0.350 | 0.252 | 8.886 | |
| Interest Coverage Ratio | 1.020 | 0.752 | 0.973 | 1.924 | 8.498 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | -0.212 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 4.842 | 4.444 | 0.000 | -0.202 | 0.000 | |
| Capital Expenditure Coverage Ratio | 7.369 | 2.686 | 0.000 | -2.874 | 3.484 | |
| Dividend Paid And Capex Coverage Ratio | 3.278 | 1.843 | 0.000 | -2.021 | 2.214 | |
| Dividend Payout Ratio | 0.130 | 0.140 | 0.138 | 0.140 | 0.153 | |
| Enterprise Value Multiple | 4.138 | 3.136 | 2.535 | 2.856 | 1.133 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 70.5% | ▲4.5% | ▼-6.0% |
| Ebit Margin | 27.7% | ▲4.0% | ▲1.5% |
| Ebitda Margin | 32.7% | ▲3.3% | ▲0.4% |
| Operating Profit Margin | 27.7% | ▲4.0% | ▲1.5% |
| Pretax Profit Margin | 27.7% | ▲4.0% | ▲1.5% |
| Continuous Operations Profit Margin | 22.0% | ▲3.4% | ▲1.4% |
| Net Profit Margin | 22.0% | ▲3.4% | ▲1.4% |
| Bottom Line Profit Margin | 21.8% | ▲3.4% | ▲1.4% |
| Current Ratio | 0.134 | ▼-0.037 | ▼-0.026 |
| Quick Ratio | 0.134 | ▼-0.037 | ▼-0.026 |
| Solvency Ratio | 0.020 | ▲0.002 | ▲0.004 |
| Cash Ratio | 0.093 | ▲0.011 | ▼-0.001 |
| Price To Earnings Ratio | 11.451 | ▲0.959 | ▲1.585 |
| Price To Earnings Growth Ratio | 0.681 | ▼-0.679 | ▼-0.121 |
| Forward Price To Earnings Growth Ratio | 0.681 | ▼-0.679 | ▼-0.121 |
| Price To Earnings Diluted Ratio | 11.543 | ▲1.018 | ▲1.597 |
| Price To Earnings Diluted Growth Ratio | 0.710 | ▼-0.649 | ▼-0.074 |
| Price To Book Ratio | 1.214 | ▲0.181 | ▲0.246 |
| Price To Sales Ratio | 2.494 | ▲0.561 | ▲0.468 |
| Price To Free Cash Flow Ratio | 17.054 | ▼-3.147 | ▲7.466 |
| Price To Operating Cash Flow Ratio | 14.739 | ▲2.058 | ▲8.461 |
| Debt To Assets Ratio | 0.002 | 0.000 | ▼-0.013 |
| Debt To Equity Ratio | 0.017 | ▼-0.001 | ▼-0.133 |
| Debt To Capital Ratio | 0.017 | ▼-0.001 | ▼-0.094 |
| Long Term Debt To Capital Ratio | 0.017 | ▼-0.001 | ▲0.002 |
| Financial Leverage Ratio | 7.567 | ▼-0.761 | ▼-1.262 |
| Working Capital Turnover Ratio | -0.092 | ▲0.002 | ▼-0.011 |
| Operating Cash Flow Ratio | 0.013 | ▲0.001 | ▲0.008 |
| Operating Cash Flow Sales Ratio | 0.169 | ▲0.017 | ▲0.102 |
| Free Cash Flow Operating Cash Flow Ratio | 0.864 | ▲0.236 | ▲0.154 |
| Debt Service Coverage Ratio | 0.997 | ▲0.224 | ▼-1.255 |
| Interest Coverage Ratio | 1.020 | ▲0.267 | ▼-1.614 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | ▲0.042 |
| Operating Cash Flow Coverage Ratio | 4.843 | ▲0.399 | ▲3.026 |
| Capital Expenditure Coverage Ratio | 7.369 | ▲4.683 | ▲5.236 |
| Dividend Paid And Capex Coverage Ratio | 3.278 | ▲1.435 | ▲2.215 |
| Dividend Payout Ratio | 0.130 | ▼-0.010 | ▼-0.010 |
| Enterprise Value Multiple | 4.138 | ▲1.002 | ▲1.379 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $729.5M | $570.3M | $449.3M | $327.9M | $387.9M | |
| Enterprise value | $396.1M | $272.6M | $201.2M | $201.5M | $64.8M | |
| EV / Sales | 1.35x | 0.92x | 0.76x | 0.93x | 0.42x | |
| EV / Op. cash flow | 8.01x | 6.06x | 0.00x | -4.75x | 1.96x | |
| EV / Free cash flow | 9.26x | 9.66x | 0.00x | -3.53x | 2.74x | |
| EV / EBITDA | 4.14x | 3.14x | 2.54x | 2.86x | 1.13x | |
| Net debt / EBITDA | -3.48x | -3.42x | -3.13x | -1.79x | -5.65x | |
| Current ratio | 0.13x | 0.17x | 0.18x | 0.17x | 0.15x | |
| Income quality | 0.77x | 0.82x | 0.00x | -0.95x | 0.93x | |
| Graham number | $55 | $49 | $45 | $44 | $36 | |
| Graham net-net | -$203 | -$204 | -$210 | -$225 | -$174 | |
| Tax burden | 79.5% | 78.4% | 79.0% | 78.0% | 78.6% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$3.21B | -$3.14B | -$3.11B | -$3.16B | -$2.64B | |
| Invested capital | -$3.11B | -$3.02B | -$3.00B | -$3.04B | -$2.55B | |
| Return on assets | 1.4% | 1.2% | 1.1% | 1.0% | 1.0% | |
| Operating ROA | 1.8% | 1.5% | 1.4% | 1.4% | 1.3% | |
| Return on tangible assets | 1.4% | 1.2% | 1.1% | 1.0% | 1.0% | |
| Return on equity | 10.7% | 9.9% | 10.0% | 9.5% | 9.2% | |
| Return on invested capital | 7.7% | 6.7% | 4.9% | 4.4% | 7.9% | |
| Return on capital employed | 9.7% | 8.6% | 7.1% | 7.1% | 10.1% | |
| Earnings yield | 8.8% | 9.6% | 11.1% | 13.6% | 9.2% | |
| Free cash flow yield | 5.9% | 5.0% | 0.0% | -17.4% | 6.1% | |
| Capex / Op. cash flow | 13.6% | 37.2% | 0.0% | -34.8% | 28.7% | |
| Capex / Depreciation | 45.4% | 98.3% | 0.0% | 110.0% | 80.6% | |
| Capex / Sales | 2.3% | 5.7% | 0.0% | 6.8% | 6.1% | |
| SG&A / Sales | 26.2% | 24.4% | 26.5% | 30.8% | 41.1% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.4% | 1.2% | 0.0% | 1.4% | 2.4% | |
| Intangibles / Total assets | 0.9% | 0.9% | 0.9% | 1.0% | 0.7% | |
| Days sales outstanding | 20d | 228d | 230d | 265d | 20d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 20d | 228d | 230d | 265d | 20d | |
| Cash conversion cycle | 20d | 228d | 230d | 265d | 20d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-05 HomeTrust Bancshares, Inc. Announces Completion of Previous Stock Repurchase Program and Authorization of New Stock Repurchase Program ASHEVILLE, N.C.--(BUSINESS WIRE)--HomeTrust Bancshares, Inc. (the “Company”) (NYSE: HTB), the holding company for HomeTrust Bank, announces the completion of its 5% stock repurchase program, which began in August 2026. A total of 832,000 shares were repurchased at an average price of $47.70 per share. In addition, the Company''s Board of Directors has authorized the repurchase of up to an additional 790,000 shares of the Company''s common stock, representing approximately 5% of the Company''s curr.
- 2026-10-01 Analyzing German American Bancorp (NASDAQ:GABC) & HomeTrust Bancshares (NYSE:HTB) HomeTrust Bancshares (NYSE: HTB - Get Free Report) and German American Bancorp (NASDAQ: GABC - Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, valuation, earnings, analyst recommendations, dividends, institutional ownership and risk. Volatility and Risk HomeTrust Bancshares has
- 2026-09-07 73,110 Shares in HomeTrust Bancshares, Inc. $HTB Acquired by Bank of New York Mellon Corp Bank of New York Mellon Corp acquired a new stake in HomeTrust Bancshares, Inc. (NYSE: HTB) in the second quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The fund acquired 73,110 shares of the company''s stock, valued at approximately $3,647,000. Bank of New York
- 2026-08-17 HomeTrust Bancshares, Inc. (HTB) Investigation Alert: Halper Sadeh LLC is Investigating Whether the Merger of HomeTrust Bancshares, Inc. and Blue Ridge Bankshares, Inc. is Fair to Shareholders NEW YORK--(BUSINESS WIRE)--Halper Sadeh LLC, an investor rights law firm, is investigating the all-stock merger of HomeTrust Bancshares, Inc. (NYSE: HTB) and Blue Ridge Bankshares, Inc. HomeTrust shareholders are encouraged to click here to learn more about their rights and options or contact Daniel Sadeh or Zachary Halper free of charge at (212) 763-0060 or [email protected] or [email protected]. The investigation concerns whether HomeTrust and its board of directors violated the fed.
- 2026-08-17 HomeTrust Bancshares, Inc. Expands into Attractive Virginia Markets Through Acquisition of Blue Ridge Bankshares, Inc. ASHEVILLE, NC and RICHMOND, VA, Aug. 17, 2026 (GLOBE NEWSWIRE) -- HomeTrust Bancshares, Inc. (NYSE: HTB) (“HomeTrust”), the holding company of HomeTrust Bank, and Blue Ridge Bankshares, Inc. (NYSEAM: BRBS) (“Blue Ridge”), the holding company of Blue Ridge Bank, National Association (“Blue Ridge Bank”), today jointly announced the signing of a definitive merger agreement (“Agreement”), pursuant to which HomeTrust will acquire Blue Ridge in an all-stock transaction valued at approximately $448.1 million.
- 2026-08-04 HomeTrust Bancshares, Inc. (HTB) Soars to 52-Week High, Time to Cash Out? HomeTrust Bancshares (HTB) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company''s fundamentals for clues.
- 2026-08-04 HomeTrust Bancshares, Inc. Announces Completion of Previous Stock Repurchase Program and Authorization of New Stock Repurchase Program ASHEVILLE, N.C., Aug. 04, 2026 (GLOBE NEWSWIRE) -- HomeTrust Bancshares, Inc. (the “Company”) (NYSE: HTB), the holding company for HomeTrust Bank, announces the completion of its 5% stock repurchase program, which began in December 2025. A total of 870,000 shares were repurchased at an average price of $44.49 per share. In addition, the Company''s Board of Directors has authorized the repurchase of up to an additional 832,000 shares of the Company''s common stock, representing approximately 5% of the Company''s currently outstanding shares. The shares may be purchased in the open market or in privately negotiated transactions from time to time depending upon market conditions and other factors.
- 2026-08-03 HomeTrust Bancshares (HTB) is a Great Momentum Stock: Should You Buy? Does HomeTrust Bancshares (HTB) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-07-29 New Strong Buy Stocks for July 29th NKSH, KB, HTB, APOG and STBA have been added to the Zacks Rank #1 (Strong Buy) List on July 29, 2026.
- 2026-07-23 Compared to Estimates, HomeTrust Bancshares (HTB) Q2 Earnings: A Look at Key Metrics While the top- and bottom-line numbers for HomeTrust Bancshares (HTB) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.