HOMETRUST BANCSHARES INC (HTB)
Financials · Regional Community Banking · NYSE
Regional bank holding company serving the Southeast with $4.5 billion in assets, focused on commercial, construction, and residential lending across 30+ locations in high-growth markets.
What HOMETRUST BANCSHARES INC does
HomeTrust Bancshares is a North Carolina-based bank holding company operating HomeTrust Bank, which attracts deposits and invests them in commercial real estate loans, construction loans, commercial and industrial loans, equipment finance leases, municipal leases, residential mortgages, and consumer loans. The bank also originates SBA loans, HELOCs, and one-to-four family loans for sale to third parties, and invests in debt securities and certificates of deposit. With over 30 locations across Georgia, North Carolina, South Carolina, Tennessee, and Virginia, HomeTrust serves both retail and commercial customers in small-to-medium-sized and larger growth markets.
Themes: ["Community banking","Regional bank expansion","Commercial lending","Residential lending","Southeast growth markets","SBA lending","Equipment finance"]
Fundamentals
- Price$48.13 as of 2026-07-09 close
- Market cap$805M as of 2026-07-10
- 1-year return+24.2% as of 2026-07-09 close
- P/E12.08 as of 2026-07-10
- ROE+11.3% as of 2026-07-10
- Debt / equity0.02 as of 2026-07-10
- Revenue CAGR (3y)+0.7% SEC XBRL
- Beta0.81 as of 2026-07-10
Dividend: yield +1.3%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Concentration risk in residential and commercial real estate loans, exposing the bank to economic downturns affecting property values and borrower creditworthiness in its Southeast markets","Interest rate risk from changes in the Federal Reserve's monetary policy, which affects deposit costs and net interest income margins","Regulatory compliance and capital adequacy requirements, with potential changes in regulations affecting profitability and operations"]
Competitors & peers
- CommunityOne Bancorp
- Capital Bank Corporation
- Uwharrie Capital Corp
- First Bancorp (North Carolina)
- Live Oak Bancshares
- ServisFirst Bancshares
- Renasant Bank
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.