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HomeTrust Bancshares, Inc.

HTB Financial Banks Regional

HomeTrust Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $292.5 million, down 0.88% from fiscal 2024.

Revenue
−4.58%
EPS
−5.94%
Free cash flow
+417.3%
Total debt
−36.4%

Quarter to June 2026, against a year earlier

46.92 0.92 −1.92%
Market cap
$742.9M
P/E
12.2×
Fwd P/E
11.7×
Dividend yield
1.19%
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 3.40
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 1 — — 4 — 1 — — — —
Insider Ownership 12.95%

Capital & Financial Ratios $m

Size
Market Cap 742.89
Revenue ttm 288.96
Net income ttm 65.02
Free cash flow ttm 96.68
Net debt Q (109.17)
Valuation
P/E 12.19
Forward P/E 11.70
Price / sales 2.65
Forward P/S Powerpack
Price / FCF 7.92
Price / book 1.27
Financial health
Current ratio Q 1.11
Debt / equity Q 0.29
Interest coverage Q —
Growth
Revenue growth Q −4.58% (below 0%: shrinking)
Operating income growth Q −5.07% (below 0%: shrinking)
EPS, this year +7.74%
EPS, next year A +9.78%
Revenue, next year A −24.92% (below 0%: weak)
EPS, past 5 yrs —
EPS, next 5 yrs A +10.36%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 43.47%
10-year low 10-year high
P/S against its own 10 years 49.98%
10-year low 10-year high
P/B against its own 10 years 94.35%
10-year low 10-year high

Dividends raised every year since 2018

Yield
1.19%
Annual rate
0.56
Payout ratio
14.7%
Growth, 2018–26
+32.8%/yr
  1. 0.06 ’18
  2. 0.25 ’19 +317
  3. 0.29 ’20 +16
  4. 0.33 ’21 +14
  5. 0.37 ’22 +12
  6. 0.41 ’23 +11
  7. 0.45 ’24 +10
  8. 0.49 ’25 +9
  9. 0.58 ’26 +18
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 337 308 344 284
Receivables — — — —
Inventory — — — —
Other — — — —
4,132 4,135 4,102 4,002
2023 2024 2025 Q'26
Payables 3,601 3,779 3,710 3,607
ST’ Debt — — — —
Other — — — —
3,601 3,779 3,710 3,607

Compound Annual Growth %

10y 5y 3y
Sales 11.59% 11.91% 23.51%
Cash Flow 36.44% 0.00% 8.16%
Earnings 23.35% 23.30% 22.12%
Book Value 4.94% 8.03% 15.60%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.88 Actual 1.11

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY24 0.91 0.93 Beat by 0.02
Q1 FY26 0.82 0.99 Beat by 0.17
Q2 FY26 0.89 0.94 Beat by 0.05
Q3 FY26 0.88 1.11 Beat by 0.23
Q4 FY26 0.93 — Reports 28 January 2027

EPS $

Sep Dec Mar Jun Year
’26 — — 0.99 0.94 —
’25 0.95 0.93 0.84 1.00 3.72
’24 0.88 0.83 0.88 0.73 3.20
’23 0.60 0.90 0.40 0.90 2.83
’22 0.65 0.68 0.51 0.39 2.26
’21 0.35 0.57 0.48 (0.46) 0.95
’20 0.49 0.52 0.07 0.22 1.32
Fiscal quarters ending in the months shown.

Revenue $m

Sep Dec Mar Jun Year
’26 — — 72 70 —
’25 74 73 72 74 292
’24 70 74 72 74 295
’23 43 50 59 66 218
’22 40 39 37 40 155
’21 39 40 40 40 159
’20 44 45 39 38 167
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Sep Dec Mar Jun Year
’26 — — 111 1 —
’25 (11) (2) 72 (9) 49
’24 (33) 5 (9) 6 45
’23 8 13 (4) (62) (34)
’22 (2) 19 38 (5) 39
’21 (56) 24 2 8 10
’20 (9) 2 (17) (22) (39)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Sep Dec Mar Jun Year
’26 — — 113 7 —
’25 (12) (11) 69 (2) 44
’24 (34) (6) (8) (2) 28
’23 9 19 (5) (63) (41)
’22 (3) 17 38 (6) 32
’21 (61) 9 (21) 5 (16)
’20 (11) (1) (30) (26) (56)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 102 116 136 160 167 159 155 218 295 292 289 +12.4% 220 335 342 +5.4%
Gross margin, % 94.08 92.86 88.21 81.03 80.70 90.28 96.56 86.38 68.78 72.85 74.97 (21.2) pt
EBT 16 17 35 34 29 19 45 57 70 81 81 +19.4%
EBT margin, % 16.03 14.75 25.64 21.19 17.29 12.04 29.23 26.20 23.69 27.68 28.15 +11.6 pt
Net income 11 12 8 27 23 16 36 45 55 64 65 +21.1%
Per share, $
Per share, $ Revenue 5.86 6.65 7.56 9.05 9.96 9.86 10.00 13.90 17.44 17.22 17.71 +12.7%
Earnings 0.66 0.68 0.46 1.53 1.36 0.97 2.30 2.84 3.21 3.75 3.85 +21.3%
Cash flow 1.66 0.87 1.74 0.43 (2.34) 0.59 2.52 (2.15) 2.69 2.91 6.05 +6.4%
Capex (0.05) (0.14) (0.14) (1.06) (1.01) (1.57) (0.46) (0.43) (1.02) (0.34) (0.13) +24.5%
Free cash flow 1.61 0.73 1.59 (0.63) (3.35) (0.98) 2.06 (2.58) 1.67 2.57 5.93 +5.3%
Book value 20.67 22.88 22.70 23.11 24.40 24.66 25.06 30.01 32.62 35.36 36.82 +6.1%
Shares, m 17 17 18 18 17 16 16 16 17 17 17 (0.3%)
Valuation, ×
Valuation, × P/E 28.03 36.67 61.52 16.47 11.94 29.06 11.01 7.41 10.46 11.45 12.19 22.4
P/S 3.16 3.67 3.74 2.77 1.61 2.83 2.50 1.61 1.93 2.49 2.65 2.6
P/B 0.90 1.07 1.25 1.08 0.66 1.13 1.00 0.74 1.03 1.21 1.27 1.0
EV/Sales 3.64 6.52 5.72 4.74 1.56 1.78 0.46 2.20 1.56 1.92 — 3.0
EV/FCF 9.39 53.80 19.71 (68.86) (3.83) (4.18) 1.56 (12.13) 16.30 12.85 — 2.5
Cash, $m
Cash, $m Operating cash flow 29 15 31 8 (39) 10 39 (34) 45 49 99 +6.2%
Capex (1) (2) (3) (19) (17) (25) (7) (7) (17) (6) (2) +24.1%
Free cash flow 28 13 29 (11) (56) (16) 32 (41) 28 44 97 +5.0%
Balance, $m
Balance, $m Working capital 466 665 691 750 527 124 46 531 356 392 395 (1.9%)
Net debt 49 329 270 316 (7) (166) (316) 131 (110) (168) (109) n/m
Shareholders’ equity 360 398 409 409 408 397 389 471 552 601 601 +5.9%
Returns, %
Returns, % ROA 0.41 0.40 0.25 0.80 0.63 0.43 1.00 1.08 1.19 1.41 1.44 +1.0 pt
ROIC 2.64 2.16 3.23 2.97 4.49 5.58 40.53 6.50 9.88 11.70 10.48 +9.1 pt
ROE 3.09 3.13 2.04 6.59 5.53 3.86 9.00 10.28 10.72 11.17 11.02 +8.1 pt
People
People Employees 465 486 520 582 590 575 515 556 563 574 — +2.4%
Revenue/emp, $m 0.22 0.24 0.26 0.28 0.28 0.28 0.30 0.39 0.52 0.51 — +9.8%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

HomeTrust Bancshares, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
FISI Financial Institutions, Inc. $771.3M 9.7× 9.4× +0.58% (above 0%: growing) +24.71% (above 0%: growing) +397.95% (above 0%: growing) 68.40% 0.00% Compare
AGBK AGI, Inc. $769.3M — — — — −476.07% (below 0%: shrinking) 45.30% 0.00% Compare
SHBI Shore Bancshares Inc $744.8M 10.9× 10.4× +3.34% (above 0%: growing) +16.84% (above 0%: growing) −14.11% (below 0%: shrinking) 71.59% 0.00% Compare
HTB HomeTrust Bancshares, Inc. $742.9M 12.2× 11.7× −4.58% (below 0%: shrinking) −5.94% (below 0%: shrinking) +417.30% (above 0%: growing) 77.45% 0.00%
WASH Washington Trust Bancorp, Inc. $737.6M 11.5× 11.4× +0.09% (above 0%: growing) +78.95% (above 0%: growing) −48.12% (below 0%: shrinking) 65.83% 0.00% Compare
PFIS Peoples Financial Services Corp. $730.2M 12.9× 11.0× +3.78% (above 0%: growing) −12.94% (below 0%: shrinking) +54.41% (above 0%: growing) 70.19% 0.00% Compare
VBNK VersaBank $724.9M 29.4× 25.8× +19.17% (above 0%: growing) +46.67% (above 0%: growing) −124.97% (below 0%: shrinking) 42.29% 0.00% Compare
AROW Arrow Financial Corporation $715.6M 12.5× 13.6× +4.55% (above 0%: growing) +1.54% (above 0%: growing) +37.22% (above 0%: growing) 71.42% 0.00% Compare
CWBC Community West Bancshares $707.1M 14.0× 15.8× +32.57% (above 0%: growing) −75.61% (below 0%: shrinking) +65.55% (above 0%: growing) 76.29% 0.00% Compare
Median of peers $733.9M 12.5× 11.4× +3.78% +16.84% +11.55% 69.30% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 7 April 2026

Ownership

Directors and executive officers, together 11.02%
FJ Capital Management LLC et al. 9.56%
Infinity Trust dated December 8.19%
Narasimhulu Neelagaru, M.D. 8.19%
BlackRock, Inc. 7.01%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

HomeTrust Bancshares, Inc. (HTB) Latest News

28 Oct

Impact 3 · · Business Wire

22 Oct

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21 Oct

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17 Aug

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23 Jul

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7 Jul

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26 Apr

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23 Apr

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13 Apr

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22 Jan

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20 Jan

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16 Dec

Impact 3 · · GlobeNewswire

11 Dec

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8 Dec

Impact 4 · · Simply Wall St.

19 Nov

Impact 4 · · Zacks
stockrow.com/HTB · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com