HomeTrust Bancshares, Inc. (HTB)
Financial Services · NYQ
Fundamentals
Valuation and ratings
HomeTrust Bancshares, Inc. trades at USD48.50, which is 122% below the USD107.91 our discounted cash flow model puts on the business. On that measure alone it screens as undervalued, though a DCF is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 41 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 12.8 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
HTB dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.280 | 2 |
| 2025 | USD0.490 | 4 |
| 2024 | USD0.450 | 4 |
| 2023 | USD0.410 | 4 |
| 2022 | USD0.370 | 4 |
| 2021 | USD0.330 | 4 |
| 2020 | USD0.290 | 4 |
| 2019 | USD0.250 | 4 |
| 2018 | USD0.060 | 1 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
HTB earnings and analyst estimates
Recommendation mix, 5 analyst ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About HomeTrust Bancshares, Inc.
HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services in the United States. It's deposit products include savings, money market, noninterest-bearing, and interest-bearing checking accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises one-to-four-family real estate lending, multifamily, home equity lines of credit, construction and land development, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and land development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, and municipal leases, as well as cash management and online/mobile banking services. In addition, the company invests in debt securities issued by the United States government agencies and government-sponsored enterprises, municipal bonds, corporate bonds, commercial paper, and certificates of deposit insured by the federal deposit insurance corporation. Further it provides healthcare banking, designed to serve the distinct financial needs of healthcare practices and professionals; provides customized financial solutions and relationship-driven support for medical, dental, and veterinary practices throughout each stage of the business lifecycle, from acquisition and ownership transition to expansion and long-term operations. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.
HTB passes 2 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
5 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Renaissance Technologies, RENAISSANCE TECHNOLOGIES LLC$19.88M · 0.0% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$1.86M · 0.0% of book
- Ken Griffin, CITADEL ADVISORS LLC$1.23M · 0.0% of book
- Two Sigma, TWO SIGMA INVESTMENTS, LP$951.6K · 0.0% of book
- D. E. Shaw, D. E. Shaw & Co., Inc.$425.0K · 0.0% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is HomeTrust Bancshares, Inc. (HTB) undervalued?
Against our discounted cash flow estimate of USD107.91, HTB at USD48.50 is 122% below fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
Which funds own HTB?
5 of the institutions we track reported a position in HTB in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is HTB's P/E ratio?
HTB trades at 12.8 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does HomeTrust Bancshares, Inc. (HTB) pay a dividend?
Yes. HomeTrust Bancshares, Inc. yields 1.21% at the current share price. It has paid USD0.530 per share over the trailing twelve months. It has paid a dividend in each of the last 8 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
When does HTB report earnings next?
HomeTrust Bancshares, Inc. is scheduled to report on 22 Jul 2026. Companies move earnings dates, so read it as scheduled rather than certain.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.