HomeTrust Bancshares has beaten earnings in all 4 of the last 4 quarters and trades at a forward P/E near 11x, but the $48.10 price is already 2.4% above the $46.96 analyst target, limiting upside.
Thesis pillars
- Strong Margins No Moat↑Improving
- Perfect Earnings Beat Streak↑Improving
- Reasonable Bank Valuation→Stable
- +2 more pillars — see the Why tab for full reasoning
Pillars as of Oct 24, 2026, based on the 10-K filed Mar 13, 2026
HomeTrust Bancshares, Inc. (HTB) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $46.97, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3).
HomeTrust Bancshares is the bank holding company for HomeTrust Bank, a North Carolina state-chartered community bank operating over 30 branches across North Carolina, South Carolina, Tennessee, Virginia, and Georgia. The bank held $4.5 billion in total assets, $3.7 billion in... Read more
Hold if already holding. Not a fresh buy at $46.97, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3). Chart setup: Golden cross, above all MAs, RSI 55, MACD bullish. Maintain position. Not compelling to add more. Score 5.3/10, moderate confidence.
Passes 6/9 gates (positive momentum, clean insider activity, news events none recent, earnings proximity 83d clear, semi cycle peak clear, materials cycle peak clear). Suitability: aggressive.
About HomeTrust Bancshares, Inc.
About HomeTrust Bancshares, Inc.
HomeTrust Bancshares held $4.5 billion in consolidated total assets, $3.7 billion in deposits, and $600.7 million in stockholders' equity as of December 31, 2025, operating more than 30 branches across a five-state footprint spanning North Carolina, South Carolina, Tennessee, Virginia, and Georgia. HomeTrust Bank, regulated by the North Carolina Office of the Commissioner of Banks and the Federal Reserve, concentrates 49.8% of its total loan portfolio in commercial real estate.
HomeTrust funds its lending - commercial real estate, construction and land development, commercial and industrial, equipment finance, municipal leases, and one-to-four family residential mortgages - primarily through retail deposits gathered across its branch network, supplemented by brokered deposits and borrowings from the Federal Home Loan Bank of Atlanta. Commercial real estate loans, including multifamily, totaled $1.8 billion, or 49.8% of the total loan portfolio, at December 31, 2025, while one-to-four family residential loans made up 17.7% and equipment finance loans made up 8.7%. The bank has been winding down higher-risk niches: it stopped originating over-the-road trucking equipment finance loans at the end of 2023 after nonaccruals and charge-offs rose, and it ceased indirect auto finance originations in March 2024, shrinking that portfolio to $38.3 million by December 31, 2025. HomeTrust competes for loans and deposits against other community banks, credit unions, and fintech companies across its five-state footprint.
Show full overview
HomeTrust's credit trajectory is moving in the wrong direction, even if modestly: nonperforming assets rose to $44.4 million, or 0.98% of total assets, at December 31, 2025, up from $28.8 million, or 0.63%, a year earlier, with commercial real estate loans alone accounting for 39.8% of total nonperforming loans. The bank's combined exposure to multifamily, non-farm/non-residential, construction, and land development loans equaled 209.9% of total risk-based capital at year-end 2025, below the 300% threshold that triggers heightened regulatory scrutiny under interagency CRE concentration guidance but still above the 100% level at which banking regulators expect a formal concentration risk assessment.
See also: Financial Services · Banks - Regional
From HomeTrust Bancshares, Inc.'s most recent 10-K filing, extracted July 6, 2026.
Recent developments
updated 2026-10-29Recent Developments — HomeTrust Bancshares, Inc.
Latest news
- NEWS HTB enhances semi-commercial proposition with new pricing and LTV bands - Financial Reporter — Financial Reporter positive
- NEWS HTB enhances semi-commercial offering with lower rates and new 65% LTV range - The Intermediary — The Intermediary positive
- NEWS Is HomeTrust Bancshares Inc (HTB) Overvalued After Q3 Earnings B - GuruFocus — GuruFocus neutral
- NEWS HomeTrust Bancshares, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2026 - mar — marketscreener.com neutral
- NEWS HomeTrust Bancshares Q3 2026 Earnings Results and Report - MarketBeat — MarketBeat neutral
Generated 2026-10-29T11:20:25Z.
Upcoming dated catalysts
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- MEDIUMloan_portfoliocommercial real estate loans50%10-K Item 1A: 'At December 31, 2025, commercial real estate loans were $1.8 billion, or 49.8% of our total loan portfolio, including multifamily loans totaling $110.9 million or 3.1% of our total loan portfolio.'
- MEDIUMGeographicNorth Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia10-K Item 1A: 'Our primary market areas are concentrated in North Carolina (the Asheville metropolitan area, the "Piedmont" region, Charlotte and Raleigh/Cary), South Carolina (Greenville and Charleston), East Tennessee (Kingsport/Johnson City and Morristown), Southwest Virginia (the Roanoke Valley) and Georgia (Greater Atlanta).'
- LOWloan_portfolioone-to-four family residential loans18%10-K Item 1A: 'At December 31, 2025, $633.5 million, or 17.7% of our total loan portfolio, was secured by liens on one-to-four family residential loans.'
Material Events(8-K, last 90d)
- 2026-05-19Item 5.02LOWRobert E. James, Jr. retired as a director of HomeTrust Bancshares and HomeTrust Bank, effective at completion of the May 18, 2026 Annual Meeting. Routine retirement; no successor named.SEC filing →
- 2026-05-19Item 5.07LOWAt the May 18, 2026 Annual Meeting, stockholders elected three directors (Cureton, Jacobs, Neelagaru) by plurality vote. Routine annual meeting vote results.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. How we score · Editorial policy
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Rating Breakdown
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $46.97, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3). Chart setup: Golden cross, above all MAs, RSI 55, MACD bullish. Maintain position. Not compelling to add more. Analyst target $46.96 reached (0.0%), stop $44.93 (−4.5%), A.R:R 0.0:1. Score 5.3/10, moderate confidence.
Analyst target $46.96 reached (0.0% from $46.97); no take-profit level is published. Analyst target $46.96 reached (0.0%), stop $44.93 (−4.5%), A.R:R 0.0:1. Stop-loss: $44.93.
Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=5.3).
HomeTrust Bancshares, Inc. trades at a P/E of 11.8 (forward 10.7). TrendMatrix value score: 6.2/10. Verdict: Hold.
9 analysts cover HTB with a consensus score of 3.9/5. Average price target: $55.
What does HomeTrust Bancshares, Inc. do?HomeTrust Bancshares is the bank holding company for HomeTrust Bank, a North Carolina state-chartered community bank...
HomeTrust Bancshares is the bank holding company for HomeTrust Bank, a North Carolina state-chartered community bank operating over 30 branches across North Carolina, South Carolina, Tennessee, Virginia, and Georgia. The bank held $4.5 billion in total assets, $3.7 billion in deposits, and a loan portfolio concentrated in commercial real estate (49.8%) as of December 31, 2025, funding commercial, construction, equipment finance, municipal lease, and residential mortgage lending through retail deposits, brokered deposits, and FHLB Atlanta borrowings.