HomeTrust Bancshares, Inc. (HTB) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
HomeTrust Bancshares, Inc. stock (HTB) is currently trading at $42.39. HomeTrust Bancshares, Inc. PE ratio is 11.15. HomeTrust Bancshares, Inc. PS ratio (Price-to-Sales) is 3.51. Analyst consensus price target for HTB is $48.17. WallStSmart rates HTB as Hold.
- HTB PE ratio analysis and historical PE chart
- HTB PS ratio (Price-to-Sales) history and trend
- HTB intrinsic value — DCF, Graham Number, EPV models
- HTB stock price prediction 2025 2026 2027 2028 2029 2030
- HTB fair value vs current price
- HTB insider transactions and insider buying
- Is HTB undervalued or overvalued?
- HomeTrust Bancshares, Inc. financial analysis — revenue, earnings, cash flow
- HTB Piotroski F-Score and Altman Z-Score
- HTB analyst price target and Smart Rating
HomeTrust Bancshares, Inc.
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HTB Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · HomeTrust Bancshares, Inc. (HTB)
HTB trades at a significant discount to its Graham intrinsic value of $97.91, offering a 55% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
HomeTrust Bancshares, Inc. (HTB) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around revenue growth. Fundamentals are solid but monitor weak areas for improvement.
HomeTrust Bancshares, Inc. (HTB) Key Strengths (4)
Keeps $40 of every $100 in revenue after operating costs
Keeps $31 of every $100 in revenue as net profit
Trading at 1.17x book value, attractively priced
62.68% held by institutions, strong professional interest
Supporting Valuation Data
HomeTrust Bancshares, Inc. (HTB) Areas to Watch (5)
Revenue declining -1.60%, a shrinking business
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 3.51x sales
Solid earnings growth at 12.20%
HomeTrust Bancshares, Inc. (HTB) Detailed Analysis Report
Overall Assessment
This company scores 58/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 4.4/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.17) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 40.10%, Profit Margin at 31.20%.
The Bear Case
The primary concerns are Revenue Growth, Market Cap, Return on Equity. Some valuation metrics including Price/Sales (3.51) suggest expensive pricing. Growth concerns include Revenue Growth at -1.60%, EPS Growth at 12.20%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.20%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Revenue Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at -1.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Revenue Growth, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HTB Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HTB's Price-to-Sales ratio of 3.51x sits near its historical average of 3.09x (65th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 20% below its historical high of 4.41x set in Dec 2016, and 151% above its historical low of 1.4x in Sep 2020. Over the past 12 months, the PS ratio has expanded from ~2.3x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for HomeTrust Bancshares, Inc. (HTB) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
HomeTrust Bancshares, Inc. faces headwinds with declining revenue, though profitability provides a cushion. Revenue reached 206M with 2% decline year-over-year. Profit margins are strong at 31.2%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 31.2% and operating margin of 40.1% demonstrate strong pricing power and operational efficiency.
Generating 28M in free cash flow and 32M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Debt management: total debt of 175M is significantly higher than cash (14M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact HomeTrust Bancshares, Inc..
Bottom Line
HomeTrust Bancshares, Inc. faces challenges with declining revenue. While profitability provides a buffer, the long-term trajectory needs to improve. Watch for management's strategic response and whether the company can stabilize or pivot to new growth drivers.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
Data sourced from SEC Form 4 filings
Last updated: 10:00:51 AM
About HomeTrust Bancshares, Inc.(HTB)
NYSE
FINANCIAL SERVICES
BANKS - REGIONAL
USA
HomeTrust Bancshares, Inc. is the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. The company is headquartered in Asheville, North Carolina.