📊 HTB Key Takeaways
Is HomeTrust Bancshares, Inc. (HTB) a Good Investment?
HomeTrust exhibits strong revenue growth (44.9% YoY) and excellent operating margins (34.1%), but faces severe financial distress signals evidenced by critically low interest coverage (0.3x), indicating the company cannot adequately service debt from operating earnings. Weak ROE (2.8%) and ROA (0.4%) for a financial institution, combined with the interest coverage crisis, outweigh positive growth and cash flow trends.
HomeTrust exhibits strong fundamental momentum with 44.9% revenue growth, double-digit EPS and net income gains, and solid operating (31.6%) and net (25.1%) margins leading to a healthy 1.4% ROA. Capitalization appears strong with modest leverage, supporting resilience and capacity for prudent expansion. Key watch items are funding costs and credit quality given the thin 1.2x interest coverage and rate sensitivity.
Why Buy HomeTrust Bancshares, Inc. Stock? HTB Key Strengths
- Revenue growth of 44.9% YoY demonstrates strong market demand
- Operating margin of 34.1% and net margin of 27.3% show operational efficiency
- Strong free cash flow generation ($110.0M) with 178.9% FCF margin provides liquidity
- Robust growth in revenue and earnings (Rev +44.9% YoY; EPS +16.2%)
- Healthy profitability and returns (31.6% operating margin; 25.1% net margin; 1.4% ROA)
- Solid capitalization and modest leverage (Equity ~$601M; D/E 0.27x)
HTB Stock Risks: HomeTrust Bancshares, Inc. Investment Risks
- Interest coverage ratio of 0.3x is critically low—operating income covers only 30% of interest obligations, indicating severe debt servicing stress
- ROE of 2.8% and ROA of 0.4% are dangerously weak for a $4.4B asset bank, suggesting poor capital utilization and profitability relative to equity holders
- Potential maturity of unsustainable interest rate environment or deposit costs could further pressure the strained interest coverage position
- Thin interest coverage (1.2x) heightens sensitivity to higher funding costs
- Credit deterioration could raise provisions and pressure ROA/ROE
- Growth sustainability/integration risk if expansion is acquisition-driven, potentially compressing margins
Key Metrics to Watch
- Interest coverage ratio—must improve materially above 1.5x to indicate solvency
- Return on equity and return on assets—should trend toward industry benchmarks of 10%+ ROE
- Net interest margin trend—critical for bank profitability and debt service capacity
- Net interest margin (NIM)
- Provision for credit losses / NPL ratio
HomeTrust Bancshares, Inc. (HTB) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 178.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
HTB Profit Margin, ROE & Profitability Analysis
HTB vs Finance Sector: How HomeTrust Bancshares, Inc. Compares
How HomeTrust Bancshares, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is HomeTrust Bancshares, Inc. Stock Overvalued? HTB Valuation Analysis 2026
Based on fundamental analysis, HomeTrust Bancshares, Inc. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
HomeTrust Bancshares, Inc. Balance Sheet: HTB Debt, Cash & Liquidity
HTB Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: HomeTrust Bancshares, Inc.'s revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.23 reflects profitable operations.
HTB Revenue Growth, EPS Growth & YoY Performance
HTB Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2018 | $2.3M | $267.0K | $0.01 |
| Q2 2018 | $2.4M | $1.0M | $0.17 |
| Q1 2018 | $2.1M | $3.4M | $0.22 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
HomeTrust Bancshares, Inc. Dividends, Buybacks & Capital Allocation
HTB SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for HomeTrust Bancshares, Inc. (CIK: 0001538263)
📋 Recent SEC Filings
❓ Frequently Asked Questions about HTB
What is the AI rating for HTB?
HomeTrust Bancshares, Inc. (HTB) has a Combined AI Rating of BUY from Claude (HOLD) and ChatGPT (BUY) with 54% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are HTB's key strengths?
Claude: Revenue growth of 44.9% YoY demonstrates strong market demand. Operating margin of 34.1% and net margin of 27.3% show operational efficiency. ChatGPT: Robust growth in revenue and earnings (Rev +44.9% YoY; EPS +16.2%). Healthy profitability and returns (31.6% operating margin; 25.1% net margin; 1.4% ROA).
What are the risks of investing in HTB?
Claude: Interest coverage ratio of 0.3x is critically low—operating income covers only 30% of interest obligations, indicating severe debt servicing stress. ROE of 2.8% and ROA of 0.4% are dangerously weak for a $4.4B asset bank, suggesting poor capital utilization and profitability relative to equity holders. ChatGPT: Thin interest coverage (1.2x) heightens sensitivity to higher funding costs. Credit deterioration could raise provisions and pressure ROA/ROE.
What is HTB's revenue and growth?
HomeTrust Bancshares, Inc. reported revenue of $61.5M.
Does HTB pay dividends?
HomeTrust Bancshares, Inc. pays dividends, with $2.2M distributed to shareholders in the trailing twelve months.
Where can I find HTB SEC filings?
Official SEC filings for HomeTrust Bancshares, Inc. (CIK: 0001538263) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is HTB's EPS?
HomeTrust Bancshares, Inc. has a diluted EPS of $0.99.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is HTB a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, HomeTrust Bancshares, Inc. has a BUY rating with 54% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is HTB stock overvalued or undervalued?
Valuation metrics for HTB: ROE of 2.8% (sector avg: 12%), net margin of 27.3% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
Should I buy HTB stock in 2026?
Our dual AI analysis gives HomeTrust Bancshares, Inc. a combined BUY rating for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is HTB's free cash flow?
HomeTrust Bancshares, Inc.'s operating cash flow is $110.8M, with capital expenditures of $818.0K. FCF margin is 178.9%.
How does HTB compare to other Finance stocks?
Vs Finance sector averages: Net margin 27.3% (avg: 25%), ROE 2.8% (avg: 12%), current ratio N/A (avg: 1.2).