HTB
Financial ServicesHomeTrust Bancshares, Inc. · Banks - Regional · $790M
What is HomeTrust Bancshares, Inc.?
HomeTrust Bancshares is the holding company for HomeTrust Bank, a community-focused institution serving individuals, businesses, and nonprofits across the Southeast. Founded in 1926, the bank operates dozens of offices across four states.
HomeTrust Bank generates revenue through traditional banking activities — accepting deposits and extending credit. Its loan book spans retail consumer lending, commercial real estate, and small business financing. The bank also offers equipment finance leases, indirect auto loans, and municipal leases, complemented by cash management and digital banking services for everyday customers and business clients alike.
HomeTrust Bancshares, Inc. was incorporated in 2011 and is headquartered in Asheville, North Carolina.
- Retail consumer loans including home equity and one-to-four-family real estate lending
- Commercial real estate and commercial & industrial loans
- Small Business Administration loans and equipment finance leases
- Online and mobile banking with cash management services
Is HTB a Good Stock to Buy?
UQS Score rates HTB as Below Average overall, reflecting meaningful headwinds across several key pillars.
Among the five pillars, Quality stands out as the relative bright spot, suggesting the bank maintains reasonable operational fundamentals compared to its overall profile. Valuation is rated Neutral, meaning the stock does not appear obviously expensive relative to its fundamentals.
Moat, Growth, and Risk are all rated Weak — a combination that signals limited competitive differentiation, constrained expansion prospects, and above-average risk considerations for this small-cap regional bank.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does HTB pay dividends?
Yes — HomeTrust Bancshares, Inc. pays a dividend.
HomeTrust Bancshares pays a regular dividend, which is common among community and regional banks that generate relatively stable deposit-funded income. Income-oriented investors may find this appealing, though the sustainability of any dividend ultimately depends on the bank's ongoing earnings profile and capital requirements.
When does HTB report earnings?
HomeTrust Bancshares reports earnings on a quarterly cadence, consistent with standard practice for US-listed bank holding companies.
As a community bank, HTB's quarterly results are typically driven by net interest income, loan growth trends, and credit quality metrics. Shifts in the interest rate environment and regional economic conditions tend to have an outsized influence on reported results for institutions of this size.
For the most recent quarter's results and guidance, visit HomeTrust Bancshares' investor relations page directly.
HTB Price History
+68.0% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in HomeTrust Bancshares, Inc.?
Based on HomeTrust Bancshares, Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
HTB Long-term Outlook
With Growth and Risk both rated Weak in the UQS framework, the fundamental outlook for HTB carries notable uncertainty. Community banks of this scale face ongoing pressure from larger institutions with broader digital capabilities and lower funding costs. The Neutral Valuation rating suggests the market has already priced in some of these challenges, leaving limited margin for error if credit conditions deteriorate.
Growth drivers
- Potential loan growth in underserved Southeast regional markets
- Cross-selling deposit and lending products to existing small business clients
- Expansion of digital banking capabilities to retain and attract customers
Key risks
- Weak Moat rating signals limited pricing power and competitive differentiation
- Interest rate sensitivity affecting net interest margins in a shifting rate environment
- Concentration in a regional footprint that is exposed to local economic cycles
HTB vs Peers
HTB competes with other small regional and community bank holding companies across the Southeast and Mid-Atlantic.
Orrstown operates primarily in Pennsylvania and Maryland, giving it a different geographic exposure compared to HTB's Southeast-focused footprint.
Southern Missouri Bancorp focuses on the Midwest and Mid-South, competing in a distinct regional market with its own agricultural and commercial lending mix.
Customers Bancorp operates with a broader national reach and a more diversified commercial banking model relative to HTB's community-bank orientation.
Frequently Asked Questions
What does HomeTrust Bancshares do?
HomeTrust Bancshares is the holding company for HomeTrust Bank, which provides retail and commercial banking services across North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. Products include deposit accounts, consumer and commercial loans, SBA lending, and digital banking services.
Does HTB pay dividends?
Yes, HomeTrust Bancshares pays a regular dividend. This is typical for community bank holding companies that generate relatively predictable deposit-funded income. Investors should review the company's investor relations page for the most current dividend details and payment schedule.
When does HTB report earnings?
HomeTrust Bancshares follows a standard quarterly earnings cadence for US-listed companies. For exact dates and the most recent results, check the company's investor relations page, as our data source does not cover specific upcoming earnings dates.
Is HTB a good stock to buy?
UQS Score rates HTB as Below Average, driven by Weak ratings in Moat, Growth, and Risk. Quality is the strongest pillar, and Valuation is Neutral. Whether HTB fits a portfolio depends on individual goals and risk tolerance — the full pillar breakdown is available to Pro members.
Is HTB overvalued?
The UQS Valuation pillar for HTB is rated Neutral, suggesting the stock is neither clearly cheap nor obviously expensive relative to its fundamentals. Given the Weak Growth and Moat ratings, investors should weigh whether current pricing adequately reflects the bank's limited competitive advantages.
How does HTB compare to its competitors?
HTB operates as a Southeast-focused community bank, differentiating it geographically from peers like Orrstown Financial and Southern Missouri Bancorp. Compared to larger or more diversified regional banks, HTB's smaller scale and concentrated footprint present both local-market advantages and competitive limitations.
What is HTB's market cap bracket?
HomeTrust Bancshares is classified as a small-cap stock. This places it among smaller publicly traded bank holding companies, which typically carry higher volatility and lower liquidity compared to large- or mega-cap financial institutions.
Who founded HomeTrust Bancshares?
HomeTrust Bank itself was founded in 1926 as a community savings institution in Asheville, North Carolina. The holding company structure, HomeTrust Bancshares, Inc., was established in 2011. Founding leadership details are publicly available through the company's historical records and investor materials.
Is HTB a long-term quality investment?
As a long-term quality indicator, HTB's UQS profile presents challenges. The Weak Moat rating suggests limited durable competitive advantages, and Weak Growth signals constrained expansion potential. The Good Quality rating offers some reassurance on operational fundamentals, but the overall Below Average score warrants careful consideration for long-term holders.
What sector does HTB belong to?
HomeTrust Bancshares belongs to the Financial Services sector, specifically operating as a community bank holding company. Its business is driven by traditional banking activities — deposit-taking, lending, and fee-based services — making it sensitive to interest rate cycles and regional economic conditions.
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Pro Analysis
HTB — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 41.4 | 79.9 | 20.0 | 15.7 | 36.6 | 51.8 | +0.7 |
| May 7, 2026 | 40.7 | 78.3 | 20.0 | 15.7 | 36.4 | 50.5 | 0.0 |
| May 3, 2026 | 40.7 | 78.3 | 20.0 | 15.7 | 36.4 | 50.6 | -0.2 |
| Apr 26, 2026 | 40.9 | 78.3 | 20.0 | 15.7 | 36.4 | 51.7 | +0.1 |
| Apr 25, 2026 | 40.8 | 78.3 | 20.0 | 15.7 | 36.4 | 50.7 | -0.1 |
| Apr 24, 2026 | 40.9 | 78.3 | 20.0 | 15.7 | 36.4 | 51.8 | -1.0 |
| Apr 21, 2026 | 41.9 | 78.3 | 20.0 | 15.7 | 36.4 | 58.2 | 0.0 |
| Apr 18, 2026 | 41.9 | 78.3 | 20.0 | 15.7 | 36.4 | 58.1 | +0.9 |
| Apr 12, 2026 | 41.0 | 78.3 | 20.0 | 15.7 | 36.4 | 52.2 | -0.3 |
| Apr 10, 2026 | 41.3 | 78.3 | 20.0 | 15.7 | 36.4 | 54.4 | -4.2 |
HTB — Pillar Breakdown
Quality
— 79.9/100 (25%)HomeTrust Bancshares, Inc. demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 15.7/100 (20%)HomeTrust Bancshares, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 36.6/100 (15%)HomeTrust Bancshares, Inc. has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 51.4/100 (15%)HomeTrust Bancshares, Inc. has a mixed valuation — some metrics suggest fair value while others appear stretched.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 20/100 (25%)HomeTrust Bancshares, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for HTB.
Score Composition
Financial Data
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How is the HTB UQS Score Calculated?
The UQS (Unified Quality Score) for HomeTrust Bancshares, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses HomeTrust Bancshares, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether HomeTrust Bancshares, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.