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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. In the quarter to June 2026, revenue fell 4.58%, EPS fell 5.94%, free cash flow grew 417.3% and total debt fell 36.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years, operating cash flow growth for three.

47.08 0.59 +1.27%
Market cap
$776.1M
P/E
12.2×
Fwd P/E
12.9×
Dividend yield
1.19%
F-score
n/a
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 3.40
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — 1 — — 4 — 1 — — —
Insider Ownership 8.10%

Capital & Financial Ratios $m

Market Cap 776.06
Revenue 288.96
Net Income 65.02
Free Cash Flow 96.68
Net Debt (109.17)
Current Ratio 1.11
Debt/Equity 0.29
P/E ratio 12.23
Fwd P/E 12.90
P/S ratio 2.66
P/B ratio 1.28
Past 5Y EPS Growth —
This Y EPS Growth 0.48%
Next Y EPS Growth 17.71% (at or above 15%: strong)
Next Y revenue growth (24.88%) (below 0%: weak)
Next 5Y EPS Growth 10.14%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 43.93%
10-year low 10-year high
P/S against its own 10 years 50.57%
10-year low 10-year high
P/B against its own 10 years 95.32%
10-year low 10-year high

Dividends

Payout Ratio 0.15
Annual Dividend Rate 0.56
Annual Dividend Yield 1.19%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.58
0.13
0.15
0.15
2025 0.49
0.12
0.12
0.12
0.13
2024 0.45
0.11
0.11
0.11
0.12
2023 0.41
0.10
0.10
0.10
0.11
2022 0.37
0.09
0.09
0.09
0.10
2021 0.33
0.08
0.08
0.08
0.09
2020 0.29
0.07
0.07
0.07
0.08
2019 0.25
0.06
0.06
0.06
0.07
2018 0.06
0.06
2017 Powerpack
predictions special payouts not included in total or ratios

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%

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.

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.

Target Price Range

Analyst price targets

Recommendation Rating

1.8
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 16.97 21.40 24.00 23.93 11.75 19.08 21.55 18.02 23.55 30.95

Analyst estimates 2026–2028

Powerpack
High 27.05 28.00 30.00 28.79 27.79 32.28 32.60 30.79 38.99 47.64
People
People Employees 465 486 520 582 590 575 515 556 563 574
Revenue/emp, $m 0.22 0.24 0.26 0.28 0.28 0.28 0.30 0.39 0.52 0.51
Income, $m
Income, $m Revenue 102 116 136 160 167 159 155 218 295 292
Gross margin, % 94.08 92.86 88.21 81.03 80.70 90.28 96.56 86.38 68.78 72.85
EBT 16 17 35 34 29 19 45 57 70 81
EBT margin, % 16.03 14.75 25.64 21.19 17.29 12.04 29.23 26.20 23.69 27.68
Net income 11 12 8 27 23 16 36 45 55 64
Depreciation 3 0 1 (1) 5 10 12 13 17 15
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
Earnings 0.66 0.68 0.46 1.53 1.36 0.97 2.30 2.84 3.21 3.75
Cash flow 1.66 0.87 1.74 0.43 (2.34) 0.59 2.52 (2.15) 2.69 2.91
Capex (0.05) (0.14) (0.14) (1.06) (1.01) (1.57) (0.46) (0.43) (1.02) (0.34)
Free cash flow 1.61 0.73 1.59 (0.63) (3.35) (0.98) 2.06 (2.58) 1.67 2.57
Book value 20.67 22.88 22.70 23.11 24.40 24.66 25.06 30.01 32.62 35.36
Shares, m 17 17 18 18 17 16 16 16 17 17
Valuation, ×
Valuation, × P/E 28.03 36.67 61.52 16.47 11.94 29.06 11.01 7.41 10.46 11.45
P/S 3.16 3.67 3.74 2.77 1.61 2.83 2.50 1.61 1.93 2.49
P/B 0.90 1.07 1.25 1.08 0.66 1.13 1.00 0.74 1.03 1.21
EV/Sales 3.64 6.52 5.72 4.74 1.56 1.78 0.46 2.20 1.56 1.92
EV/FCF 9.39 53.80 19.71 (68.86) (3.83) (4.18) 1.56 (12.13) 16.30 12.85
Cash, $m
Cash, $m Operating cash flow 29 15 31 8 (39) 10 39 (34) 45 49
Capex (1) (2) (3) (19) (17) (25) (7) (7) (17) (6)
Free cash flow 28 13 29 (11) (56) (16) 32 (41) 28 44
Balance, $m
Balance, $m Working capital 466 665 691 750 527 124 46 531 356 392
Total debt 493 698 637 680 475 115 7 467 198 175
Net debt 49 329 270 316 (7) (166) (316) 131 (110) (168)
Shareholders’ equity 360 398 409 409 408 397 389 471 552 601
Returns, %
Returns, % ROA 0.41 0.40 0.25 0.80 0.63 0.43 1.00 1.08 1.19 1.41
ROIC 2.64 2.16 3.23 2.97 4.49 5.58 40.53 6.50 9.88 11.70
ROE 3.09 3.13 2.04 6.59 5.53 3.86 9.00 10.28 10.72 11.17
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
ORRF Orrstown Financial Services Inc $816.1M 9.3× 8.8× +0.90% (above 0%: growing) +8.91% (above 0%: growing) −5.50% (below 0%: shrinking) 70.78% 0.00% Compare
SPFI South Plains Financial, Inc. $809.1M 11.4× 11.7× +16.84% (above 0%: growing) +10.00% (above 0%: growing) +104.00% (above 0%: growing) 72.34% 0.00% Compare
IBCP Independent Bank Corp. $783.4M 10.2× 10.0× +5.66% (above 0%: growing) +12.35% (above 0%: growing) −1.00% (below 0%: shrinking) 76.53% 0.00% Compare
HTB HomeTrust Bancshares, Inc. $776.1M 12.2× 12.9× −4.58% (below 0%: shrinking) −5.94% (below 0%: shrinking) +417.30% (above 0%: growing) 77.45% 0.00%
FISI Financial Institutions, Inc. $773.9M 9.6× 9.2× +0.58% (above 0%: growing) +24.71% (above 0%: growing) +397.95% (above 0%: growing) 68.40% 0.00% Compare
PGC Peapack-Gladstone Financial Corporation $769.9M 14.8× 11.9× +10.12% (above 0%: growing) +97.78% (above 0%: growing) +388.43% (above 0%: growing) 70.34% 0.00% Compare
SMBC Southern Missouri Bancorp, Inc. $769.7M 10.9× 10.3× +2.83% (above 0%: growing) +31.43% (above 0%: growing) −50.54% (below 0%: shrinking) 64.61% 0.00% Compare
ALRS Alerus Financial $765.5M 29.0× 9.7× +1.35% (above 0%: growing) +3.80% (above 0%: growing) +136.92% (above 0%: growing) 77.88% 0.00% Compare
SHBI Shore Bancshares Inc $752.2M 11.4× 10.1× +0.40% (above 0%: growing) +21.74% (above 0%: growing) +185.78% (above 0%: growing) 71.57% 0.00% Compare
Median of peers $771.9M 11.1× 10.1× +2.09% +17.05% +120.46% 71.18% 0.00%

All 323 Banks Regional stocks →

HomeTrust Bancshares, Inc. (HTB) key facts

  • Concern: HomeTrust Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $292.5 million, down 0.88% from fiscal 2024.
  • HomeTrust Bancshares, Inc. (HTB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
  • As of October 16, 2026, HTB traded at $47.08, a market capitalization of $776.1 million.
  • HomeTrust Bancshares, Inc. pays an annual dividend of $0.56 per share, a yield of 1.19%, with a payout ratio of 14.7%.
  • Return on equity was 11.2% and debt-to-equity 0.29.

Source: company filings (standardised) and stockrow calculations.

HomeTrust Bancshares, Inc. (HTB) Latest News

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