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HomeTrust Bancshares

HTB on NYSE. HomeTrust Bancshares sells loans and deposit accounts to people and businesses. Market value $777m.

Watch this stockFree. We tell you when something changes.

Price checks use the past 12 months to June 2026. Some use the latest annual report instead, as marked. Quality checks use five annual reports, the latest for the year to December 2025.

We can't read total debt from the filing, so debt is left out.

Should I look at this?

Worth a closer look

Why it could be worth it

What to watch out for

Nothing big in our quick check. See what could go wrong below.

Read what could go wrong

This is not advice. Check the numbers below.

Compare with another stock

Return on equity
five annual reports to December 2025
9.7%five-year median

Yearly profit per dollar of owners' money: 10 cents. Above 10 is good.

Price to book
quarterly report to June 2026
1.3×

What you pay for each dollar of net assets: $1.29.

Earnings yield
past 12 months to June 2026
8.4%

Profit per $100 you pay: $8.38.

Quality score: 88 of 100. Price score: 92 of 100. Our list needs 70 on quality and 60 on price.

$46.47 a share, 21% above its 1-year low

Over the past year the price has ranged from $38.30 to $52.50.

Dividend: 1.1% a year

Paid every year for 2 years

Payouts have jumped around in recent years, so this may not repeat.

Prices from Tuesday’s close (6 October).

Five years of cash, in billions

n/a
n/a
n/a
n/a
n/a
20212022202320242025
Revenue
$10mn/an/an/an/a
Operating margin
n/an/an/an/an/a
Debt to equity
n/an/an/an/an/a
Shares outstanding
0.02bn0.02bn0.02bn0.02bn0.02bn

Health checks

  • Free cash flow positiveDoesn't apply to banks and insurers
  • Accounting checksDoesn't apply to banks and insurers
  • DebtDoesn't apply to banks and insurers
  • Revenue growth, five yearsUnknown
  • Buying back its own sharesNo, 6% more shares since 2021

The quarter to June 2026

How the business did, compared with the same quarter a year earlier.

  • Profit: $16 million, down 9% on a year ago.
  • Spare cash over the past 12 months: $95 million, down from $107 million.
  • 4% fewer shares than a year ago. Each share owns a bit more of the company.
Profit by quarter
Profit by quarter
Quarter toAmount
September 2024$13m
December 2024$14m
March 2025$15m
June 2025$17m
September 2025$16m
December 2025$16m
March 2026$17m
June 2026$16m

From the company's quarterly reports to the SEC.

Dates

Next results (estimated)
n/a
Last annual report (10-K)
13 March 2026
Next quarterly (estimated, 10-Q)
5 November 2026

Who owns it

4 long-term investors we follow own it, unchanged from 4 last quarter. 173 funds in all.

Jun '25
Dec '25
Jun '26
Largest holders overall

From 13F filings for the quarter ended 30 June 2026.

Big holders and activists

3 investors own more than 5%.

From Schedule 13D and 13G filings: anyone owning more than 5% must file one.

What insiders did

No insider bought shares on the open market in the last 12 months. 4 sold $3m.

  • KENDALL LAURA C
    Director
    Sold
    Date
    30 July 2026
    Shares
    10,000
    Price
    $51.13
    Value
    $511,348
  • POWELL KRISTIN Y.
    EVP, Consumer & BB Group Exec
    Sold
    Date
    27 May 2026
    Shares
    1,000
    Price
    $46.78
    Value
    $46,780
  • Westbrook Hunter
    President, CEO, Director
    Sold
    Date
    7 May 2026
    Shares
    3,904
    Price
    $46.17
    Value
    $180,248
  • Westbrook Hunter
    President, CEO, Director
    Sold
    Date
    6 May 2026
    Shares
    5,074
    Price
    $46.00
    Value
    $233,404
  • Westbrook Hunter
    President, CEO, Director
    Sold
    Date
    5 May 2026
    Shares
    31,022
    Price
    $45.81
    Value
    $1m
  • Westbrook Hunter
    President, CEO, Director
    Sold
    Date
    1 May 2026
    Shares
    20,000
    Price
    $45.65
    Value
    $913,000
  • Sprink John Francis II
    EVP
    Sold
    Date
    6 February 2026
    Shares
    2,000
    Price
    $45.00
    Value
    $90,000

From Form 4 filings: insiders must report trades in their own company's shares within two days.

Warning signs in its filings

Problems the company itself reported to the SEC, in its own words.

None of the serious warning signs we check for were found. 1 thing worth knowing.

We look for five warning signs: doubt it can keep going, weak checks on its own accounts, a notice that its past accounts can't be relied on, a change of auditor, and one customer bringing in a big share of sales. We don't check lawsuits, investigations or debt yet.

We checked the auditor's report, internal controls, restatement notices, auditor changes and big customers in the 10-K filed 13 Mar 2026, plus the 10-Q filed 6 Aug 2026 and 9 later 8-Ks.

  • Changed auditor

    Worth knowing

    The company changed its auditor (the firm that checks its books) in the last two years.

    “on December 18, 2024, the Audit Committee approved the dismissal of Forvis Mazars as the Company's independent registered public accounting firm”

    From an 8-K filed 23 December 2024: Change of auditor. Read it in the filing

A 10-K is the yearly report every US company files with the SEC. An 8-K is a short notice of a big event.

What could go wrong

Cheap for a reason is the question the numbers cannot answer.

Whether the price already reflects the risks is what the deep dive is for.

What changed in the risks this year

Companies must list what could hurt them each year. These are the parts that changed since last year’s report.

  • Scrutiny and evolving expectations from customers, regulators, investors and other stakeholders with respect to our environmental, social and governance practices may impose additional costs on us or expose us to new or additional risks.

    Could happen
    Recent changes in the regulatory landscape and shifting federal priorities have moved toward a reduction in emphasis on certain ESG priorities, particularly around climate change and diversity, equity and inclusion (“DEI”). This shift has led to a rollback of regulations that mandate specific disclosures and operational practices in these areas. However, some stakeholder groups continue to demand greater transparency and action, resulting in a complex and potentially conflicting environment for companies. If regulatory enforcement of ESG-related policies becomes less stringent, companies may face reputational risks if their practices are seen as insufficient or inconsistent with broader societal expectations, especially related to DEI and environmental stewardship. As a result, navigating this evolving regulatory and public opinion landscape may require us to balance compliance with regulatory requirements against maintaining investor, customer, and stakeholder trust.
    Read more

Read it in the annual report

The deep dive

Everything above is arithmetic on public filings. The deep dive reads the last ten years of annual reports, the proxy statements, and the earnings calls, then argues the case the way Buffett, Klarman, and Hohn would, and checks every claim against the source.

  • What the business is worth, as a range, and the margin of safety at today’s price
  • Prices to start buying, buy, and buy hard
  • The three things that would make this a mistake
  • Every number footnoted to the filing it came from
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What a finished deep dive looks like

Not advice. Numbers on this page come from SEC filings and are updated each night; prices are updated again after the US market closes. The five-year figures are rounded.