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HomeTrust Bancshares, Inc. (HTB)
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Upturn Advisory Summary
10/15/2025: HTB (1-star) is a SELL. SELL since 4 days. Simulated Profits (8.86%). Updated daily EoD!
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 10.83% | Avg. Invested days 52 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 10/15/2025 |
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 - 42.96 | Updated Date 08/23/2025 |
52 Weeks Range 30.76 - 42.96 | Updated Date 08/23/2025 | ||
Dividends yield (FY) 1.33% | Basic EPS (TTM) 3.16 |
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 0.87 | Actual - |
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 transitioned to a public company in 2012, becoming HomeTrust Bancshares, Inc. The company has grown through organic expansion and strategic acquisitions, focusing on community banking in the Southeast.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, treasury management services, and other banking products to businesses.
- Retail Banking: Provides deposit accounts, mortgages, consumer loans, and wealth management services to individuals and families.
- Residential Mortgages: Origination of fixed and adjustable rate mortgage loans secured by first and second homes.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure is typical of a community bank, with departments focused on lending, retail banking, operations, and finance. Dana Stonestreet is the current Chairman, President and CEO.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, providing financing for acquisition, development, and refinancing. Market share is difficult to pinpoint precisely but HomeTrust operates within the fragmented regional banking market, competing with larger national banks and other regional players. Competitors include Truist, Bank of America, and other regional banks.
- Residential Mortgages: Mortgages for primary and secondary homes, including fixed-rate and adjustable-rate products. Similar to commercial real estate, market share is fragmented and regional. Competitors include national mortgage lenders like Rocket Mortgage and local community banks.
- Consumer Loans: Includes installment loans, lines of credit, and other personal loans. Market share is smaller compared to mortgage products. Competitors include credit unions, online lenders, and other banks.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and evolving customer preferences towards digital banking. Competition is intense, and banks are focusing on improving efficiency and enhancing customer experience.
Positioning
HomeTrust Bancshares, Inc. positions itself as a community-focused bank with a strong presence in the Southeast. Its competitive advantages include personalized service, local expertise, and a relationship-based approach.
Total Addressable Market (TAM)
The TAM for community banking in the Southeast is significant, estimated to be in the billions of dollars. HomeTrust is positioned to capture a share of this market by focusing on its local presence and personalized service.
Upturn SWOT Analysis
Strengths
- Strong local presence in the Southeast
- Relationship-based banking approach
- Experienced management team
- Solid asset quality
- Focus on community involvement
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger national banks
- Reliance on traditional banking channels
- Higher cost of funds compared to larger banks
- Vulnerability to regional economic downturns
Opportunities
- Expansion into new markets in the Southeast
- Increased adoption of digital banking technologies
- Strategic acquisitions of smaller banks
- Growing demand for commercial real estate loans
- Opportunity to attract customers from larger banks
Threats
- Rising interest rates
- Increased competition from online lenders
- Economic slowdown in the Southeast
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TRST
- SYBT
- FCNCA
Competitive Landscape
HomeTrust competes with larger national banks and regional community banks. Its advantage lies in its local expertise and personalized service, while its disadvantage is its smaller scale and limited resources.
Major Acquisitions
Quantum Capital Corp
- Year: 2023
- Acquisition Price (USD millions): 13.2
- Strategic Rationale: Strengthens SBA lending capabilities.
Growth Trajectory and Initiatives
Historical Growth: Discuss HomeTrust Bancshares, Inc.'s growth trends over the past years.
Future Projections: Provide projections for HomeTrust Bancshares, Inc.'s future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by HomeTrust Bancshares, Inc..
Summary
HomeTrust Bancshares is a community-focused bank with a strong presence in the Southeast. It benefits from a relationship-based approach and solid asset quality. However, its smaller scale and limited geographic diversification pose challenges. The company should capitalize on opportunities in digital banking and strategic acquisitions to enhance its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Relations Materials
- Market Data Providers (e.g., Yahoo Finance, Bloomberg)
- Press Releases
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is approximate and based on available information. The AI-based rating is subjective and should not be the sole basis for investment decisions. Consult with a qualified financial advisor before making any investment decisions.
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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