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HomeTrust Bancshares, Inc. (HTB)
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Upturn Advisory Summary
06/30/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
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 8.21% | Avg. Invested days 41 | 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 06/30/2025 |
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 28.16 - 38.74 | Updated Date 05/20/2025 |
52 Weeks Range 28.16 - 38.74 | Updated Date 05/20/2025 | ||
Dividends yield (FY) 1.33% | Basic EPS (TTM) 3.16 |
Earnings Date
Report Date - | When - | Estimate - | 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 |
Analyst Ratings
Rating 3 | Target Price 41.38 | Buy 1 | Strong Buy 3 |
Buy 1 | Strong Buy 3 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
HomeTrust Bancshares, Inc.
Company Overview
History and Background
HomeTrust Bancshares, Inc. was founded in 1926 as HomeTrust Bank. It has grown organically and through acquisitions, expanding its footprint across the Southeast. The company converted from a mutual savings bank to a stock corporation in 2012.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, treasury management, and other services for businesses.
- Retail Banking: Provides deposit accounts, mortgages, home equity loans, and other consumer financial products.
- Wealth Management: Offers financial planning, investment management, and trust services.
Leadership and Structure
The leadership team consists of the CEO, CFO, COO, and other key executives. The organizational structure is typical of a regional bank, with departments for lending, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Financing for commercial properties. Market share data not publicly available, but competes with larger regional and national banks like Truist (TFC) and Bank of America (BAC). Revenue contributes significantly to overall loan portfolio.
- Residential Mortgages: Mortgages for primary residences and investment properties. Competes with national lenders such as Wells Fargo (WFC) and Rocket Companies (RKT). Market share data not publicly available, but is a significant portion of the retail loan portfolio.
- Deposit Accounts: Checking, savings, and money market accounts for consumers and businesses. Competes with all other banks in the region, including First Horizon (FHN) and United Community Banks (UCBI). Market share varies by region.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic conditions. Regional banks face increasing competition from larger national banks and fintech companies.
Positioning
HomeTrust Bancshares, Inc. positions itself as a community-focused bank with a strong presence in the Southeast. Its competitive advantages include local market knowledge and personalized service.
Total Addressable Market (TAM)
The total addressable market for banking services in the Southeast is estimated to be in the hundreds of billions of dollars. HomeTrust Bancshares, Inc. has a small but growing share of this TAM.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Southeast
- Experienced management team
- Relationship-focused banking model
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger competitors
- Reliance on traditional banking channels
- Lower brand recognition than larger peers
Opportunities
- Expansion into new markets within the Southeast
- Increased adoption of digital banking technologies
- Growth in wealth management services
- Acquisition opportunities of smaller banks
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- FHN
- UCBI
- TFC
Competitive Landscape
HomeTrust Bancshares, Inc. faces stiff competition from larger regional and national banks. Its advantage lies in its community focus and local market expertise.
Major Acquisitions
TriSummit Bank
- Year: 2022
- Acquisition Price (USD millions): 75
- Strategic Rationale: Expansion into the attractive Tri-Cities, Tennessee market.
Growth Trajectory and Initiatives
Historical Growth: HomeTrust Bancshares, Inc. has grown steadily over the past decade through organic growth and acquisitions.
Future Projections: Analyst estimates vary, but generally project continued growth in loans, deposits, and earnings.
Recent Initiatives: Focus on digital banking enhancements, expansion into new markets, and strategic acquisitions.
Summary
HomeTrust Bancshares shows strength with its regional presence and customer focus, but needs to compete against larger players. Recent acquisitions suggest an opportunity, but challenges could include interest rates. Solid asset quality provides a good base for operations, while strategic execution is needed to mitigate larger competitive pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC filings, Company website, Financial news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Data may be outdated. 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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