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HomeTrust Bancshares, Inc. (HTB)
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Upturn Advisory Summary
12/18/2025: HTB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $48.12
1 Year Target Price $48.12
| 3 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.28% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/18/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 798.57M USD | Price to earnings Ratio 12.61 | 1Y Target Price 48.12 |
Price to earnings Ratio 12.61 | 1Y Target Price 48.12 | ||
Volume (30-day avg) 5 | Beta 0.91 | 52 Weeks Range 30.66 - 47.64 | Updated Date 12/19/2025 |
52 Weeks Range 30.66 - 47.64 | Updated Date 12/19/2025 | ||
Dividends yield (FY) 1.05% | Basic EPS (TTM) 3.62 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 30.31% | Operating Margin (TTM) 41.7% |
Management Effectiveness
Return on Assets (TTM) 1.35% | Return on Equity (TTM) 11% |
Valuation
Trailing PE 12.61 | Forward PE 11.34 | Enterprise Value 702322496 | Price to Sales(TTM) 3.88 |
Enterprise Value 702322496 | Price to Sales(TTM) 3.88 | ||
Enterprise Value to Revenue 3.94 | Enterprise Value to EBITDA - | Shares Outstanding 17444032 | Shares Floating 11336079 |
Shares Outstanding 17444032 | Shares Floating 11336079 | ||
Percent Insiders 9.9 | Percent Institutions 61 |
Upturn AI SWOT
HomeTrust Bancshares, Inc.
Company Overview
History and Background
HomeTrust Bancshares, Inc. (HTBS) was founded in 1926 as Home Trust Company in Waynesville, North Carolina. It has a history of community banking and has undergone several name changes and expansions over the decades. Significant milestones include its conversion to a federal stock savings association and its subsequent public offering. The company has grown through organic expansion and strategic acquisitions, primarily in the Southeastern United States.
Core Business Areas
- Community Banking: The core of HomeTrust's business involves providing a range of banking and financial services to individuals, small-to-medium-sized businesses, and professional clients. This includes deposit accounts (checking, savings, money market, certificates of deposit), commercial and residential real estate loans, construction loans, business loans, and consumer loans.
- Mortgage Banking: HomeTrust engages in mortgage lending through its subsidiary, HomeTrust Mortgage. This segment originates, sells, and services residential mortgage loans across various states.
- Wealth Management: Through its wealth management division, the company offers investment advisory services, retirement planning, and other financial planning services to individuals and businesses.
Leadership and Structure
HomeTrust Bancshares, Inc. is led by a Board of Directors and a management team with extensive experience in the banking industry. Dana L. Stone serves as the Chairman of the Board. C. Dale Farabaugh is the Chief Executive Officer. The organizational structure is typical of a regional bank, with various divisions focusing on retail banking, commercial lending, mortgage, and wealth management, supported by operational, risk management, and administrative functions.
Top Products and Market Share
Key Offerings
- Description: Offers a comprehensive suite of deposit products (checking, savings, CDs) and loan products (mortgages, commercial real estate, business loans, consumer loans) tailored to individuals and businesses in its operating regions. Market share is concentrated within its branch network and surrounding communities. Competitors include large national banks, other regional banks, credit unions, and online financial institutions.
- Product Name 1: Community Banking Services (Deposits & Loans)
- Description: Through HomeTrust Mortgage, the company originates and sells residential mortgage loans. It also services a portion of these loans. Market share is regional and also subject to national mortgage market competition. Competitors include national mortgage lenders, independent mortgage brokers, and other banks with mortgage operations.
- Product Name 2: Residential Mortgage Origination and Servicing
- Description: Provides investment advice, financial planning, and estate planning services. The market share for this segment is smaller relative to its core banking operations and competes with independent financial advisors, larger wealth management firms, and brokerage houses.
- Product Name 3: Wealth Management Services
Market Dynamics
Industry Overview
The US banking industry is highly competitive and is characterized by a mix of large national banks, regional banks, community banks, and credit unions. Key trends include digital transformation, evolving customer expectations for convenience and personalization, increasing regulatory scrutiny, and interest rate sensitivity. The industry is also influenced by economic conditions, inflation, and monetary policy.
Positioning
HomeTrust Bancshares, Inc. operates as a community-focused regional bank. Its competitive advantages include a strong local presence, personalized customer service, and deep understanding of its core markets. It aims to compete with larger institutions by offering more tailored solutions and a relationship-based approach. However, it faces challenges from the scale and technological capabilities of national banks and the agility of fintech companies.
Total Addressable Market (TAM)
The TAM for banking services is vast, encompassing all individuals and businesses requiring deposit accounts, loans, and financial management. For HomeTrust, its TAM is primarily within its geographical footprint in the Southeastern United States, along with the broader national mortgage market. While the overall TAM is in the trillions, HomeTrust's addressable market is a fraction of this, focused on its specific customer segments and geographic reach.
Upturn SWOT Analysis
Strengths
- Strong community banking roots and local market knowledge.
- Diversified revenue streams (interest income, non-interest income).
- Established branch network in key Southeastern markets.
- Experienced management team.
- Focus on customer relationships.
Weaknesses
- Smaller scale compared to national banks, limiting market reach and leverage.
- Potential vulnerability to interest rate fluctuations.
- Reliance on traditional banking models which may lag in digital innovation.
- Geographic concentration can increase regional economic risks.
Opportunities
- Expansion into new, attractive geographic markets.
- Leveraging technology to enhance digital banking offerings and customer experience.
- Strategic acquisitions to broaden service offerings or geographic presence.
- Growing demand for wealth management services.
- Capitalizing on potential dislocations in the market.
Threats
- Intense competition from large banks, credit unions, and fintech companies.
- Economic downturns affecting loan demand and credit quality.
- Rising interest rates impacting net interest margin and loan origination.
- Cybersecurity threats and data breaches.
- Changes in regulatory landscape.
Competitors and Market Share
Key Competitors
- First Citizens BancShares, Inc. (FCNCA)
- Truist Financial Corporation (TFC)
- PNC Financial Services Group, Inc. (PNC)
- Bank of America Corporation (BAC)
- JPMorgan Chase & Co. (JPM)
Competitive Landscape
HomeTrust Bancshares, Inc. faces a highly competitive landscape dominated by larger, well-capitalized national banks and regional players with broader reach and greater economies of scale. Its advantages lie in its localized approach and personalized service, which can resonate with customers seeking a more intimate banking relationship. However, it struggles to compete with the technological investment and vast product offerings of larger institutions and the disruptive innovation of fintech firms.
Growth Trajectory and Initiatives
Historical Growth: Historically, HomeTrust has experienced growth through organic expansion of its branch network and loan portfolio, complemented by strategic acquisitions. Its growth has been driven by a focus on its core community banking model and expanding its mortgage operations.
Future Projections: Future projections for HomeTrust Bancshares, Inc. would depend on its ability to navigate the competitive banking landscape, manage interest rate risks, and execute its growth strategies, which may include further geographic expansion or strategic partnerships. Analyst estimates would provide insights into expected revenue, earnings, and EPS growth.
Recent Initiatives: Recent initiatives may include investments in digital banking technologies, expansion into new markets, or strategic acquisitions aimed at enhancing its market position or service capabilities. The company might also be focused on optimizing its branch network and improving operational efficiency.
Summary
HomeTrust Bancshares, Inc. is a community-focused regional bank with a strong history in the Southeastern US. Its core strengths lie in its localized market expertise and customer relationships, supported by diversified revenue streams. However, it faces significant challenges from larger, more technologically advanced competitors. The company's future success hinges on its ability to adapt to digital trends, manage interest rate sensitivity, and pursue strategic growth initiatives, potentially through further acquisitions, while mitigating risks in a competitive and evolving financial landscape.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Investor Relations Filings (SEC)
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Market Data Providers (e.g., Refinitiv, FactSet)
- Industry Analysis Reports
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Investing in securities involves risks, and investors should conduct their own due diligence or consult with a qualified financial advisor before making any investment decisions. Market share data is an estimation based on industry trends and typical market segmentation for regional banks and may not reflect precise current figures.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About HomeTrust Bancshares, Inc.
Exchange NYSE | Headquaters Asheville, NC, United States | ||
IPO Launch date 2025-02-28 | CEO, President & Vice Chairperson of the Board Mr. C. Hunter Westbrook | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 557 | Website https://www.htb.com |
Full time employees 557 | Website https://www.htb.com | ||
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 North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia. The company'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. Its 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. The company also provides small business administration loans, equipment finance leases, and municipal leases, as well as cash management and online/mobile banking services. In addition, it 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. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.
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