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what it is
HomeTrust is a regional bank that gathers local deposits and turns them into home, business, and commercial real estate loans.
how it gets paid
Last year Hometrust Banc made $256M in revenue.
why growth slowed
Revenue fell 2.1% last year. The key number was $193 million in Revenue because it is about 75% of the company's entire $256 million annual revenue base.
what just happened
Revenue jumped to $193M and EPS rose to $2.79, but that surge sits against a full-year revenue base of $256M.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
55/100 earnings predictability — expect surprises
12.2x trailing p/e — the market's not buying it — or you found a deal
1.2% dividend yield — cash in your pocket every quarter
$3.20 fy2024 eps est
xvary composite: 60/100 — average
What they do
HomeTrust is a regional bank that gathers local deposits and turns them into home, business, and commercial real estate loans.
This is old-school banking with a useful twist. HomeTrust funds loans with local deposits through over 30 locations plus online and mobile channels. Deposits = customer cash in checking and savings = cheaper fuel for lending. So what: you get a bank that can keep lending without leaning hard on debt, which sits at just $10 million.
How they make money
$256M
annual revenue · revenue declined -2.1% last year
total revenue
$256M
2.1%
The products that matter
personal deposit and loan services
Retail banking
$3.7B in deposits
it funds the bank. those $3.7B in deposits support a $4.5B asset base, which is the raw material for everything else.
core funding
business lending and treasury services
Commercial banking
31.2% profit margin
this is where the earnings power shows up. the catch is simple: higher-yield commercial lending also carries the credit risk that can crack a 31.2% margin faster than one good quarter can rebuild it.
credit watch
Key numbers
$10M
long-term debt
Long-term debt = money owed for years = fixed balance-sheet pressure. So what: at 1% of capital, it gives you more room if lending gets rough.
806,000
shares repurchased
Buybacks = the company buying its own stock = fewer shares splitting the pie. So what: 806,000 shares bought at $31.84 makes each share you keep a little larger.
12.2x
trailing p/e
P/E = price compared with profit = what you pay for each dollar of earnings. So what: 12.2x is a plain multiple for a bank that earned $3.46 per share trailing.
1.2%
dividend yield
Dividend yield = cash paid to shareholders each year = actual money back in your pocket. So what: the income is modest, so your return case leans more on earnings and buybacks.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 75 / 100
- long-term debt $10M (1% of capital)
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for HTB right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Revenue jumped to $193M and EPS rose to $2.79, but that surge sits against a full-year revenue base of $256M.
The quarter looked huge on paper, with revenue up 195% vs. prior year and EPS up 194% vs. prior year from EDGAR data. The quieter fact is that annual revenue still declined 2.1%, so you should treat the quarter as a spike until it repeats.
$64M
revenue
$2.79
eps
195%
revenue growth
the number that mattered
The key number was $193 million in quarterly revenue because it is about 75% of the company's entire $256 million annual revenue base, which tells you the reported jump was unusually large.
source: company earnings report, 2026
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What could go wrong
HTB's numbers look calm because credit has stayed calm. For this bank, the first crack probably shows up in commercial real estate or in deposit pricing — and either one would hit the 80.5% net-interest-income engine fast.
high
commercial real estate losses
Profitability looks good at 31.2%, but commercial real estate is where regional banks get humbled. If office, retail, or local project loans weaken, provisions can erase a lot of that margin fast.
high-impact
med
deposit cost pressure
The revenue mix is 80.5% net interest income. In plain English: spreads do the heavy lifting here. If deposit costs rise faster than loan yields, earnings compression shows up quickly.
med-impact
med
good bank, ordinary scale
A 0.5% estimated market share and 9.5% return on equity leave less room for execution mistakes than a larger regional peer would have. The stock is not priced for disaster, but it is also not priced as if HTB has a special edge.
med-impact
med
buyback authorization without follow-through
An 870,000-share repurchase program sounds meaningful because it equals about 5% of shares outstanding. If management does not actually buy shares back, one of the cleaner support points for per-share value fades.
med-impact
If credit costs rise or spreads narrow, the pressure lands on the $206M net interest income base and the 31.2% profit margin doing most of the narrative work.
source: institutional data · regulatory filings · risk analysis
Pay attention to
calendar
q1 2026 earnings on apr. 24
Consensus sits at $0.82 EPS on $52.35M revenue. You want to see whether profitability stays intact after a better-than-expected q4.
trend
net interest income still does the heavy lifting
$206M of the $256M revenue mix shown here comes from net interest income. Same model, same vulnerability: spreads matter.
risk
commercial real estate credit quality
The margin is strong now. If commercial real estate performance slips, that is usually where a regional bank's calm quarter stops looking calm.
metric
buyback execution, not just buyback language
The 870,000-share authorization equals about 5% of shares. If management actually repurchases stock near current levels, per-share value gets real support.
Analyst rankings
earnings predictability
55 / 100
in human-speak, analysts do not see this as a perfectly steady earnings machine. Expect cleaner quarters and messier quarters.
risk rank
3
That puts HTB in the middle of the pack on overall risk. Safer than many small caps, not a bunker stock.
source: institutional data
Institutional activity
institutional ownership data for HTB is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$44
current price
n/a
target midpoint · n/a from current
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