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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#3010
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$716M
C. Hunter Westbrook
HomeTrust Bancshares, Inc. provides a range of retail and commercial banking products and services. Its deposit products include savings, money market, demand accounts, certificates of deposit for individuals, businesses, and nonprofit organizations. The company operated 41 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = HTB ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$HTB HomeTrust Bancshares, Inc. | 44 | 27 | 35 | 67 | 12.5x | 9.4x | 10.2% | 1.3% | 0.0% | 31.7% | 24.9% | 28.8% | 1.2% | 671.0x | $716M | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
HomeTrust Bancshares, Inc. (HTB) receives a "Reduce" rating with a composite score of 43.7/100. It ranks #3010 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Low volatility — smoother ride and historically better risk-adjusted returns
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for HTB.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 27 | 17 | +10ALPHA |
| MOMENTUM | 67 | 74 | -7DRAG |
| VALUATION | 35 | 34 | +1NEUTRAL |
| INVESTMENT | 29 | 37 | -8DRAG |
| STABILITY | 68 | 76 | -8DRAG |
| SHORT INT | 38 | 32 | +6ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 7.3% vs WACC 7.4% (spread -0.1%)
GM 0% vs sector 78%, OM 32% vs sector 18%
Capital turnover 0.29x
Rev growth 29%, 10yr history
Interest coverage 64.2x, Net debt/EBITDA 10.8x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate HomeTrust Bancshares, Inc. (HTB) as a Reduce with a composite score of 43.7/100 at a current price of $42.62. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
HomeTrust Bancshares, Inc. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 43.7/100 places it at rank #3010 in our full universe.
The near-term outlook is constructive, with revenue growing at 29% and momentum in the 67th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Poor
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 671% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
HomeTrust Bancshares, Inc. represents a reduce based on multi-factor quantitative performance.
HomeTrust Bancshares, Inc. receives a Reduce rating from our analysis, with a composite score of 43.7/100 and 2 out of 5 stars, ranking #3010 out of 7,333 stocks. HTB's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
HTB's quality score of 27/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 10.2% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 24.9% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 35/100, HTB appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 12.49x, an EV/EBITDA of 9.40x, a P/B ratio of 1.27x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
HomeTrust Bancshares, Inc.'s investment score of 29/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 28.8% vs. a sector average of 10.7% and a return on assets of 1.3% (sector: 1.3%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
HTB demonstrates moderate momentum with a score of 67/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 28.8% year-over-year, while a beta of 0.67 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
HTB shows good financial stability with a score of 68/100. Key stability metrics include a beta of 0.67 and a debt-to-equity ratio of 671.00x (sector avg: 0.5x). This suggests manageable leverage and moderate price volatility, making it appropriate for investors seeking a balance between growth potential and capital preservation.
HomeTrust Bancshares, Inc.'s short interest score of 38/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 671.00x), small-cap liquidity risk. At $716M (small-cap), HTB carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
HTB offers a modest dividend yield of 1.2%. This compares to a sector average dividend yield of 2.0%. While the income contribution is relatively small, even a small dividend signals management's commitment to shareholder returns and can serve as a signal of financial discipline.
HomeTrust Bancshares, Inc. is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #3010 of 7,333 overall (59th percentile). Key comparisons include ROE of 10.2% exceeding the 9.0% sector median and operating margins of 31.7% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While HTB currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Quality (27) would have the largest impact on the composite score.
EV/EBITDA 21% ABOVE SECTOR MEDIAN
ROE 13% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Insights into Private Capital (Trades, Portfolio)'s Fourth Quarter 2025 13F Filing
HomeTrust Bancshares FY 2025 Earnings Snapshot HomeTrust Bancshares (HTB) has posted its FY 2025 results with fourth quarter revenue of US$51.5 million and EPS of US$0.95, while trailing twelve month revenue came in at US$206.1 million and EPS at US$3.79, supported by net income of US$64.4 million over that period. The company reported quarterly revenue increasing from US$47.7 million in Q3 FY 2024 to US$51.5 million in Q4 FY 2025, with EPS over that same span ranging between US$0.77 and...
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Key Insights Significantly high institutional ownership implies HomeTrust Bancshares' stock price is sensitive to their...
ASHEVILLE, N.C., Jan. 20, 2026 (GLOBE NEWSWIRE) -- HomeTrust Bancshares, Inc. (NYSE: HTB) (“Company”), the holding company of HomeTrust Bank (“HomeTrust” or the “Bank”), announced today that the Bank has once again been named a 2026 Great Employer to Work For in North Carolina and a 2026 Best Place to Work in Georgia, Tennessee, and Virginia by Best Companies Group. “We are incredibly honored to have earned these recognitions for multiple years. These awards validate what drives our financial pe
Above 50MA
37.18%
Net New Highs
+51081