HTB
HomeTrust Bancshares, Inc.
HTB's fundamentals are mixed: earnings per share grew 9.7%, while its operating margin held steady at 37%. At 12x earnings, it's trading right at its usual valuation. Analysts expect strong earnings growth, though they disagree widely on how much.
HTB Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
HTB's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like HTB.
HTB PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.5x | $37.58 | -20% |
| Forward | 11x | $47.22 | — |
| Fair | 12x | $47.66 | +0.9% |
| Current | 12x | $47.22 | — |
| Expensive | 18x | $73.15 | +55% |
Historical ranges are pointers, not guarantees.
HTB's PE is in its fair range at 12x. If earnings grow as analysts expect, today's price would be 11x next year's earnings.
HTB Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Strong growth | |
| Strongly weakening | |
| Limited | |
| Low |
Analysts expect strong earnings and revenue growth for HTB, but weaker profitability. However, they disagree widely on these estimates.
HTB Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $4.16 | +4.8% |
| Q3 2026 | $3.97 | +9.7% |
| Q2 2026 | $3.81 | +11% |
| Q1 2026 | $3.87 | +22% |
| Q4 2025 | $3.72 | +16% |
| Q3 2023 | $3.08 | +41% |
| Q2 2023 | $2.80 | +26% |
| Q1 2023 | $2.29 | +66% |
| Q4 2022 | $2.40 | +78% |
HTB's earnings per share have climbed steadily: $3.97 over the past year, up 9.7% from the year before, and higher year over year for 14 quarters in a row.
HTB Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $55.5M | +2.6% |
| Q2 2026 | $54.5M | +0.3% |
| Q1 2026 | $54.3M | +6.7% |
| Q4 2025 | $53.6M | +4.2% |
| Q3 2025 | $54.1M | +7.5% |
| Q2 2025 | $54.4M | +8.2% |
| Q1 2025 | $50.9M | +1.8% |
| Q3 2024 | $50.4M | -0.8% |
HTB's revenue has grown year over year for eight quarters in a row: $56M last quarter, up 2.6% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | -1.5 points |
| Q2 2026 | 36% | -4.1 points |
| Q1 2026 | 39% | +2.4 points |
| Q4 2025 | 37% | +1.4 points |
| Q3 2025 | 39% | +5.2 points |
| Q2 2025 | 40% | +8.7 points |
| Q1 2025 | 36% | -1.8 points |
| Q4 2024 | 36% | N/A |
HTB's operating margin was 37% last quarter, down 1.5 points from the same quarter a year ago.
HTB Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $9.3M | +$21.3M |
| Q2 2026 | $126K | +$10.3M |
| Q1 2026 | $110M | +56% |
| Q4 2025 | -$3.2M | -214% |
| Q2 2025 | -$10.2M | -279% |
| Q1 2025 | $70.7M | +$80.3M |
| Q2 2024 | $5.7M | +$69.2M |
| Q3 2023 | -$33.2M | -543% |
HTB's free cash flow was $116M over the past year, up 127% from the year before. Free cash flow isn't a meaningful measure for financial services companies like HTB.
HTB Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -2.6% | -424K shares |
| 1 year | -6.6% | -1.1M shares |
| 3 years | +1.4% | +218K shares |
| 5 years | -3% | -496K shares |
| Available history | -8.9% | -1.6M shares |
HTB has 16M diluted shares, down 6.6% from a year ago, with $85M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $44.8M |
| Q2 2026 | $7.2M |
| Q1 2026 | $23.1M |
| Q4 2025 | $10.3M |
| Q3 2025 | — |
| Q2 2025 | $2.8M |
| Q1 2025 | $503,000 |
| Q4 2024 | — |
HTB spent $85M buying back its own shares over the past year, more than ten times what it spent the year before.
HTB Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.4x | Net Cash |
| Q2 2026 | -1.2x | Net Cash |
| Q1 2026 | -2.5x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -1.0x | Net Cash |
| Q4 2022 | -0.7x | Net Cash |
| Q3 2022 | -2.0x | Net Cash |
| Q2 2022 | -2.2x | Net Cash |
HTB has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HTB.
HTB Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.2 | Neutral |
| Stochastic | 28.3 | Neutral |
HTB's weekly RSI is 51 (neutral) and its Stochastic is 28 (neutral).
HTB PE vs Financial Services Sector
| Metric | HTB | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 8.7% below |
| PE % | 47 | 63 | 16 pts below |
HTB is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
HTB Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $46.8 | 1% above |
| 20 week MA | $47.9 | 1.5% below |
| 50 week MA | $45.9 | 2.9% above |
| 100 week MA | $41.6 | 14% above |
| 200 week MA | $34.3 | 38% above |
HTB's trend is mixed: it's above four of its five weekly moving averages, and 38% above its 200-week average.
HTB Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $26.9 | $19.4 | -28% |
| 2021 | $19.4 | $30.9 | +59% |
| 2022 | $30.9 | $24.5 | -21% |
| 2023 | $24.5 | $26.9 | +10% |
| 2024 | $26.9 | $33.9 | +26% |
| 2025 | $33.9 | $43.4 | +28% |
| 2026 YTD | $43.4 | $47.2 | +8.8% |
HTB has finished higher in four of the last six years. It's up 8.8% so far in 2026.