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HomeTrust Bancshares, Inc. (HTB)
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Upturn Advisory Summary
08/14/2025: 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 $41.38
1 Year Target Price $41.38
| 3 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 14.84% | Avg. Invested days 46 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 635.43M USD | Price to earnings Ratio 11.46 | 1Y Target Price 41.38 |
Price to earnings Ratio 11.46 | 1Y Target Price 41.38 | ||
Volume (30-day avg) 5 | Beta 0.73 | 52 Weeks Range 30.76 - 41.65 | Updated Date 05/20/2025 |
52 Weeks Range 30.76 - 41.65 | Updated Date 05/20/2025 | ||
Dividends yield (FY) 1.33% | Basic EPS (TTM) 3.16 |
Earnings Date
Report Date 2025-07-22 | When Before Market | Estimate 0.77 | Actual 1 |
Profitability
Profit Margin 27.98% | Operating Margin (TTM) 39.4% |
Management Effectiveness
Return on Assets (TTM) 1.18% | Return on Equity (TTM) 10.06% |
Valuation
Trailing PE 11.46 | Forward PE 11.34 | Enterprise Value 500487104 | Price to Sales(TTM) 3.28 |
Enterprise Value 500487104 | Price to Sales(TTM) 3.28 | ||
Enterprise Value to Revenue 3.18 | Enterprise Value to EBITDA - | Shares Outstanding 17548400 | Shares Floating 12507404 |
Shares Outstanding 17548400 | Shares Floating 12507404 | ||
Percent Insiders 9.83 | Percent Institutions 58.71 |
Upturn AI SWOT
HomeTrust Bancshares, Inc.
Company Overview
History and Background
HomeTrust Bancshares, Inc. was founded in 1926 as Home Federal Savings and Loan Association. It converted to a stock holding company in 2012 and rebranded as HomeTrust Bancshares, Inc. The company has grown through organic expansion and acquisitions.
Core Business Areas
- Community Banking: Provides a range of retail and commercial banking services, including deposit accounts, loans, and other financial products.
- Commercial Real Estate Lending: Offers financing for commercial real estate projects, including construction and development loans.
- Residential Mortgage Lending: Provides mortgage loans for residential properties.
Leadership and Structure
The leadership team includes C. Hunter Westbrook (President & CEO), Brian S. Davis (Executive Vice President & CFO), and others. The company operates with a traditional corporate structure, with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for various commercial properties. Market share data is not readily available. Competitors include large national banks and regional banks.
- Residential Mortgages: Home purchase and refinance loans. Market share data is not readily available. Competitors include national mortgage lenders and credit unions.
- Consumer Loans: Auto loans, personal loans, and other credit products. Market share data is not readily available. Competitors include national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently navigating a complex environment with rising interest rates, increased regulatory scrutiny, and evolving customer expectations driven by technology.
Positioning
HomeTrust Bancshares, Inc. positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantages include its strong presence in the Carolinas and a focus on relationship banking.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is estimated in the billions of dollars. HomeTrust is positioned to capture a share of this TAM through its local focus and personalized service.
Upturn SWOT Analysis
Strengths
- Strong presence in the Carolinas
- Experienced management team
- Focus on relationship banking
- Solid asset quality
Weaknesses
- Smaller size compared to larger national banks
- Limited geographic diversification
- Reliance on traditional banking model
- Higher cost to serve
Opportunities
- Expansion into new markets
- Adoption of new technologies
- Increased demand for local banking services
- Acquisitions of smaller community banks
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Southern First Bancshares, Inc. (SFST)
- United Community Banks, Inc. (UCBI)
- First Bancorp (FBNC)
Competitive Landscape
HomeTrust Bancshares, Inc. competes with larger regional and national banks, as well as smaller community banks and credit unions. Its advantages include its local presence and personalized service. Its disadvantages include its smaller size and limited geographic diversification.
Growth Trajectory and Initiatives
Historical Growth: HomeTrust Bancshares, Inc. has grown through organic expansion and acquisitions.
Future Projections: Analyst estimates for future growth are not available without accessing financial data sources.
Recent Initiatives: Recent initiatives include investments in technology and expansion into new markets.
Summary
HomeTrust Bancshares shows potential with its community focus and presence in the Carolinas. Its smaller size poses challenges. Strong asset quality and experienced management are positive indicators. Threats include competition and economic downturns. Growth opportunities need exploiting to maximize its market position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Yahoo Finance
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may not be precise. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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 539 | Website https://www.htb.com |
Full time employees 539 | 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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