HomeTrust Bancshares Inc. Common Stock (HTB)

FairStock Score: 57/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett/Graham-style investor, I start with the bank’s earning power. HomeTrust is a small regional lender — 585 employees, $765.2M market cap — so I want consistency, sensible valuation, and a balance sheet I can trust. The filed record is decent: net income rose from $44.6M in FY2023 (period ended 2023-06-30) to $54.8M in FY2024 (period ended 2024-12-31) to $64.4M in FY2025 (period ended 2025-12-31), with diluted EPS of $2.80, $3.20, and $3.72. FairStock computes ROE at 11.02%, P/B at 1.27, P/E at 12.03, and PEG at 0.89 based on the 2026-10-13 close. The FairStock score is 57/100, which fits that middling view. That is not a cigar butt; it is a fair-to-reasonable price for a modestly profitable bank. The Lynch category is STALWART, with 23.1% annual profit growth over five years by its rules. But the recent pattern is less comforting: in fiscal Q2 2026 (quarter ended 2026-06-30), net income was $15.6M and diluted EPS $0.94, below fiscal Q2 2025’s $17.2M and $1.00. The Piotroski F-Score is only 3/9, a caution flag. As a bank, I cannot judge credit risk from this data: CET1, NIM, nonperforming loans, reserves, and efficiency ratio are not provided. With P/B above 1, the market is paying a modest premium to book, so I would need proof that returns and credit quality are durable. The dividend yield is 1.31%, beta 0.80, and the 52-week range is $38.69–$52.50. This is a watchlist stalwart, not a fat-pitch bargain until better bank-specific data appears.

In plain English: The company is the parent of HomeTrust Bank, a regional bank that takes deposits and makes loans to people and businesses in the U.S. It has made more money in each of the last few years, and the stock price looks neither very cheap nor very expensive compared with its profits and net worth. But the most recent quarter’s profit was lower than a year earlier, and the data lacks key details about loan risk, so the picture is mixed.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-06-30)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer