HOMETRUST BANCSHARES INC (HTB)
Financials · regional banking · NYSE
A regional financial holding company serving the Southeast with a diversified portfolio of commercial loans, equipment finance, and residential mortgage banking.
What HOMETRUST BANCSHARES INC does
HomeTrust Bancshares, Inc. is a financial holding company operating primarily through its subsidiary, HomeTrust Bank. The company provides a range of commercial and consumer banking services, including commercial real estate, construction, and commercial and industrial lending, as well as equipment finance, municipal leases, and residential mortgage products. Headquartered in North Carolina, the bank operates across Georgia, North Carolina, South Carolina, Tennessee, and Virginia.
Themes: commercial lending, equipment finance, mortgage banking, SBA lending, municipal finance, regional banking expansion
Fundamentals
- Price$46.70 as of 2026-08-21 close
- Market cap$780M as of 2026-08-21
- 1-year return+18.4% 2025-08-21 close $39.45 → 2026-08-21 close $46.70
- P/E12.57 as of 2026-08-24
- ROE+11.3% as of 2026-08-24
- Debt / equity0.02 as of 2026-08-24
- Revenue CAGR (3y)+0.7% SEC XBRL
- Beta0.81 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +1.0%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How HTB compares in its sector
- price-to-earnings ratiomiddle range 525 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRbottom 25% 347 covered Financials peers
- indicated dividend yieldbottom 25% 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, HTB's dividend was covered by reported results (earnings payout 13%, free-cash-flow payout 18%). This describes past coverage, not a forecast.
- Earnings payout13% dividends / net income
- Free-cash-flow payout18% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How HOMETRUST BANCSHARES INC looks technically
HOMETRUST BANCSHARES INC (HTB) is trading 4.4% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 285 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 31, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative). It just made a new 20-day low, its first since 2026-05-20, breaking below its recent trading range.
Trend
7
| Distance from the 200-day | it is trading 4.4% above its 200-day average, the long-term trend line — a longer-term uptrend | +4.5% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $49.14 | $49.14 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $44.71 | $44.71 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing high 17 calendar days ago — the swings before that are what the structure reading is measured on | 17 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 285 trading days ago — a "golden cross", a bullish long-term signal | 285 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 22 (a reading of 25+ marks a strong trend) | 22.1 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 31, neither overbought (above 70) nor oversold (below 30) | 31.4 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($46.24 to $52.50) — its "stochastic" reading is 7 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 7.4 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 10 trading days ago (its momentum flipped negative) | 10 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $52.50 | $52.50 |
|---|---|---|
| From the 52-week high | it is 11.0% below its 52-week high (its highest price of the past year) | -11.1% |
| Above the 52-week low | it is 25.0% above its 52-week low (its lowest price of the past year) | +25.0% |
| Below the 52-week high | it is 11.0% below its highest point of the past year | 11.1% |
| Since a 20-day breakout | it just made a new 20-day low, its first since 2026-05-20, breaking below its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day high about 14 trading days ago | 14 sessions |
| All-time high | its highest closing price on record is $52.50 (set on 2026-08-04) | $52.50 |
| Given back of the 52-week move | over the past year its closes ranged ($37.64 to $51.85), and it has given back roughly a third of its rise from last year’s low — 36% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $42.61 to $43.07. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 36.2% |
| From the all-time high | it is 11.0% below its all-time high | -11.1% |
| Nearest price level | it is trading 1.1% below a resistance level at $47.21 — a price it turned at five times since 2025-12-15, most recently on 2026-07-23. Since 2024-08-21 it has 13 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.1% |
| All-time low | its lowest closing price on record is $11.24 (set on 2012-07-11) | $11.24 |
| Above the all-time low | it is 315.5% above its all-time low | +315.5% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually wide versus its own recent history (wider than about 99% of the past ~6 months) | 99th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $1.16 between its high and its low — about 2.5% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $1.16 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $46.42 and $53.23 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $46.42 – $49.82 – $53.23 |
| Typical daily range (% of price) | its price moves about 2.5% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.5% |
| Stretch from the 200-day average | it is trading 1.7 daily ranges above its 200-day average price (4.5% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 1.7 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.46× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 0.6% since the prior reading | +0.6% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 5 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 5 sessions ago |
|---|---|---|
| Since a hammer | 1 session ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 1 session ago |
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.4% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.4% |
|---|---|---|
| Open gap | it gapped 3.9% below the previous close 4 sessions ago and has not traded back through the level it left behind at 49.98 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | -3.9% |
Price streaks
1
| Closing streak | it has closed lower 6 sessions in a row, a -6.84% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 6 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 6.2 percentage points (the stock lost 3.8% while the market gained 2.3%) | -6.2% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 3.1 percentage points (the stock lost 0.0% while the market gained 3.1%) | -3.1% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 4.5 percentage points (the stock gained 6.5% while the market gained 11.1%) | -4.5% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 2.1 percentage points (the stock gained 18.4% while the market gained 20.5%) | -2.1% |
Signal agreement
2
| Bullish technical signals | 3 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 3 of 9 |
|---|---|---|
| Bearish technical signals | 4 of the 9 technical signals we can compute for it are currently in a bearish state: a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 4 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 1.8% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 3.0% of the share price. | -1.8% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is sitting right on the average price paid so far this year, so the typical buyer over that stretch is roughly break-even. That average is $46.57 — a volume-weighted average of daily closes over 150 sessions, not a true tick-by-tick VWAP. | +0.3% |
|---|---|---|
| Vs the average paid since it last reported | the price is 5% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $48.99 — a volume-weighted average of daily closes over 22 sessions, not a true tick-by-tick VWAP. | -4.7% |
Price levels it has turned at before
HTB last closed at $46.70 on 2026-08-21. Since 2024-08-21 it has turned at 13 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $47.21 | Resistance | 1.1% above the last close | turned there five times · 2025-12-15 to 2026-07-23 |
| $45.96 | Support | 1.6% below the last close | turned there twice · 2026-01-22 to 2026-02-06 |
| $43.26 | Support | 7.4% below the last close | turned there four times · 2025-09-19 to 2026-04-16 |
| $42.28 | Support | 9.5% below the last close | turned there twice · 2025-09-05 to 2026-01-02 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke down to a new 20-day low · On a losing streak (5+ lower closes in a row) · At the bottom of its 14-day range (stochastic below 20) · Trading at this year’s average price paid (anchored VWAP) · Under water since its last earnings report (below the anchored VWAP) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.00 mean, 1=Strong Buy…5=Strong Sell) — 4 analysts
- Mean price target$54.75 range $52.50 – $58.50; median $54.00
Analyst estimates, as of 2026-08-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for HTB
- Consensus EPS estimate$0.9225 next reporting period, as of 2026-08-21
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Fluctuations in interest rates affecting net interest margin and the fair value of debt securities.","Credit risk associated with the loan portfolio, particularly commercial real estate and commercial/industrial loans.","Dependence on regional economic conditions within its operating footprint in the Southeast United States."]
What changed in the latest 10-Q
AI-assisted comparison of HTB's 10-Q filed 2026-05-06 against the prior one filed 2025-11-06.
Management's Discussion & Analysis (MD&A)
- Added:
- Added risk factor: 'the impact of geopolitical instability and trade policies on our operations including the imposition of tariffs and retaliatory tariffs' (newer filing, 2026-05-06)
- Added risk factor: 'effects of natural disasters, other severe weather events, epidemics and other public health issues, and other external events' (newer filing, 2026-05-06)
- Added risk factor: 'the impact of inflation or a potential recession, including monetary and fiscal policy responses thereto, and the impact on consumer and business behavior' (newer filing, 2026-05-06)
- Added risk factor: 'the effects of a Federal government shutdown, a debt ceiling standoff, or other fiscal policy uncertainty' (newer filing, 2026-05-06)
- Added risk factor: 'the ability to adapt to rapid technological changes, including advancements in artificial intelligence, digital banking and cybersecurity' (newer filing, 2026-05-06)
- Added Overview section with financial metrics for quarter ended March 31, 2026 compared to December 31, 2025, including net income, diluted EPS, ROA, ROE, net interest margin, provision for credit losses, and share repurchase information (newer filing, 2026-05-06)
- Added financial table showing Interest and dividend income, Interest expense, Net interest income, Provision for credit losses, Net interest income after provision, and Noninterest income/expense for March 31, 2026 and December 31, 2025 (newer filing, 2026-05-06)
- Removed:
- Removed risk factor reference to 'natural disasters, including the lingering effects of Hurricane Helene' (older filing, 2025-11-06)
- Removed risk factor: 'the potential imposition of new or increased tariffs or changes to existing trade policies that could affect economic activity or specific industry sectors' (older filing, 2025-11-06)
- Removed risk factor: 'changes in the levels of general interest rates, and the relative differences between short- and long-term interest rates, deposit interest rates, our net interest margin and funding sources and the effects of inflation or a potential recession' (older filing, 2025-11-06)
- Removed risk factor: 'disruptions, security breaches or other adverse events, failures or interruptions in, or attacks on, our information technology systems...' appearing before staffing fluctuations language (older filing, 2025-11-06)
- Removed risk factor: 'the impact of governmental actions or inactions, including a prolonged shutdown of the federal government' (older filing, 2025-11-06)
- Removed Overview section with financial metrics for quarter ended September 30, 2025 compared to June 30, 2025 (older filing, 2025-11-06)
- Removed comparative nine-month Overview section for periods ended September 30, 2025 versus September 30, 2024 (older filing, 2025-11-06)
- Removed associated financial tables for September 30, 2025 quarter and nine-month periods (older filing, 2025-11-06)
- Reworded:
- Changed risk factor language from 'the potential imposition of new or increased tariffs or changes to existing trade policies...' to 'the impact of geopolitical instability and trade policies on our operations including the imposition of tariffs and retaliatory tariffs' (2026-05-06)
- Changed risk factor language from 'natural disasters, including the lingering effects of Hurricane Helene' to 'effects of natural disasters, other severe weather events, epidemics and other public health issues, and other external events' (2026-05-06)
- Changed risk factor language from 'changes in the levels of general interest rates...and the effects of inflation or a potential recession' to separate bullet points covering interest rate changes, inflation/recession impacts, and Federal Reserve actions (2026-05-06)
- Changed risk factor language from 'our ability to control operating costs and expenses, especially costs associated with our operation as a public company' to 'our ability to control operating costs and expenses, including costs associated with our operation as a public company' (2026-05-06)
- Reorganized and reordered risk factors related to interest rates, inflation, recession, and Federal government actions into more granular separate bullet points (2026-05-06)
- Notes:
- The newer filing text appears truncated at 'Income be' suggesting incomplete source data
- The older filing text also appears truncated at the end of the nine-month section, suggesting incomplete source data
- Comparison is limited to the portions of MD&A text provided; full document changes may extend beyond these excerpts
- The two filings cover different reporting periods (Q1 2026 vs Q3 2025), which explains the Overview and financial table differences
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 1 open-market sale by insiders in the last 90 days.
- Last 30 days0 buys · 1 sell ($511348) — 1 selling insider
- Last 90 days0 buys · 1 sell ($511348) — 1 selling insider
- Last 180 days0 buys · 6 sells ($3M) — 3 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-30. As of 2026-08-25.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about HTB's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding HTB as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 2,546,147
- Reported value $108,593,175
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 3 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
HTB had 268,526 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
HTB had 1.61% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 2.1 days to cover at the same settlement.
- Reported short interest (shares) 268,526
- Short interest (% of shares outstanding) 1.61%
- Prior settlement (shares) 243,424
- Reported change 10.31%
- Days to cover (reported) 2.1
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- First Citizens BancShares (FCNCA)
- United Community Banks
- Pinnacle Financial Partners (PNFP)
- SouthState Corporation (SSB)
- TowneBank (TOWN)
- Veritex Holdings (VBTX)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does HOMETRUST BANCSHARES INC (HTB) do?
HomeTrust Bancshares, Inc. is a financial holding company operating primarily through its subsidiary, HomeTrust Bank. The company provides a range of commercial and consumer banking services, including commercial real estate, construction, and commercial and industrial lending, as well as equipment finance, municipal leases, and residential mortgage products. Headquartered in North Carolina, the bank operates across Georgia, North Carolina, South Carolina, Tennessee, and Virginia.
What sector is HOMETRUST BANCSHARES INC (HTB) in?
HOMETRUST BANCSHARES INC (HTB) is classified in the Financials sector. Its industry is regional banking. It trades on NYSE.
Does HTB pay a dividend?
Yes — HOMETRUST BANCSHARES INC (HTB) pays a dividend, with an indicated yield of about 1.02% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are HOMETRUST BANCSHARES INC's (HTB) competitors?
Notable peers of HOMETRUST BANCSHARES INC (HTB) include First Citizens BancShares, United Community Banks, Pinnacle Financial Partners, SouthState Corporation and TowneBank. This peer set is informational only — not financial advice.
Is HOMETRUST BANCSHARES INC (HTB) overbought or oversold right now?
HOMETRUST BANCSHARES INC (HTB) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 31, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on HTB come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.