HTB Financial Services

HomeTrust Bancshares, Inc.

$46.83-1.35%

Price as of close on Nov 3, 2026 · Financials updated Sep 30, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 774.3M USD
Full-time employees: 585

Overall health

About average: profitability, growth and valuation

Ranks #382 of 791 banks & insurance companies (top 49%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Nothing unusual stands out. Its strongest area is profitability (56/100).
None of our checks flag anything unusual in HomeTrust Bancshares's latest figures; its strongest area is profitability, at 56 out of 100.

StockQuotient Score

52/ 100

Oct 5 54 → Nov 4 52 (-2)

Valuation

Is the price right?

51/100

Moderate

2/2 inputs reported · High confidence

Since last year: No major changeValuation also moves with the share price every day.

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield76.8%

SEC filings · latest balance sheetReported value40% base weight · Z-score -0.09Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.3%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.17Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield12.1%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

49/100

Moderate

1/1 inputs reported · High confidence

Since last year: No major change

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth15.5%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score -0.03Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growthUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth4.2%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

56/100

Moderate▼ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last year: ▲ Stronger

Free cash flow turned positive over the last 12 months

Why it changed since the Oct 27, 2026 close: Score 57 → 56

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Helped by:

▲ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.5%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.47Sector median: 0.0117 · MAD: 0.0062

Return on equity10.8%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 0.02Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about HomeTrust Bancshares

Is HomeTrust Bancshares getting weaker?: Its latest SEC filing (Aug 6, 2026) got stronger: free cash flow turned positive over the last 12 months. Its overall score is unchanged at 52/100 since Oct 28, 2026.
How is HomeTrust Bancshares valued vs its peers?: Priced about in line with its peers. Valuation scores 51/100 against 950 banks & insurance peers.
Is HomeTrust Bancshares growing?: At about the same pace as its peers. Growth scores 49/100 against 950 banks & insurance peers.
How profitable is HomeTrust Bancshares?: About as profitable as its peers. Profitability scores 56/100 against 950 banks & insurance peers. Return on assets 1.5% vs a peer median of 1.2% (stronger than 65% of peers).Return on assets 1.5% vs peers 1.2% (stronger than 65% of peers).
How risky is HomeTrust Bancshares?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Year ended Jun 30, 2021 · filed Aug 6, 2026 · compared with the year ended Jun 30, 2020

Got stronger

Free cash flow turned positive over the last 12 months

	Previous year	Latest year	Change
Revenue (12 months)	10.6M USD	10.4M USD	−1.9%
Net income (12 months)	26.7M USD	65.1M USD	+143.8%
Free cash flow (12 months)	−39.4M USD	94.8M USD	turned positive
Cash	164.1M USD	272.5M USD	+66.1%
Shares outstanding	16.6M	16.7M	+0.5%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY Jun 2021	FY Jun 2022	FY Jun 2023	FY 2024	FY 2025	Change
Net margin	151.1%	—	—	—	—	—
Return on assets (ROA)	0.4%	1.0%	1.0%	1.2%	1.4%	▲ 0.2 pts
Return on equity (ROE)	4.0%	9.2%	9.5%	9.9%	10.7%	▲ 0.8 pts

HTB price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

About average: profitability, growth and valuation

Ranks #382 of 791 banks & insurance companies (top 49%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about HomeTrust Bancshares

Is HomeTrust Bancshares getting weaker?

Its latest SEC filing (Aug 6, 2026) got stronger: free cash flow turned positive over the last 12 months. Its overall score is unchanged at 52/100 since Oct 28, 2026.

How is HomeTrust Bancshares valued vs its peers?

Priced about in line with its peers. Valuation scores 51/100 against 950 banks & insurance peers.

Is HomeTrust Bancshares growing?

At about the same pace as its peers. Growth scores 49/100 against 950 banks & insurance peers.

How profitable is HomeTrust Bancshares?

About as profitable as its peers. Profitability scores 56/100 against 950 banks & insurance peers. Return on assets 1.5% vs a peer median of 1.2% (stronger than 65% of peers).Return on assets 1.5% vs peers 1.2% (stronger than 65% of peers).

How risky is HomeTrust Bancshares?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous year

Latest year

Change

Revenue (12 months)

10.6M USD

10.4M USD

−1.9%

Net income (12 months)

26.7M USD

65.1M USD

+143.8%

Free cash flow (12 months)

−39.4M USD

94.8M USD

turned positive

Cash

164.1M USD

272.5M USD

+66.1%

Shares outstanding

16.6M

16.7M

+0.5%

Key ratios

FY Jun 2021

FY Jun 2022

FY Jun 2023

FY 2024

FY 2025

Change

Net margin

151.1%

—

Return on assets (ROA)

0.4%

1.0%

1.2%

1.4%

▲ 0.2 pts

Return on equity (ROE)

4.0%

9.2%

9.5%

9.9%

10.7%

▲ 0.8 pts