HTB
HomeTrust Bancshares, Inc.Financial Services·Banks - Regional
$46.47
$781M market cap
Revenue
$144.4M
Free Cash Flow
$106.9M
Rev Growth
+0.0%
FCF Margin
74.0%
P/FCF
7.3x
EV/FCF
6.7x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. Its deposit products include savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises retail consumer loans, such as one-to-four-family real estate lending, home equity lines of credit, construction and land/lots, indire
2-Year Price History
$46.83+74.3%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 71.5 | 23.5 | 21.0 | 16.8 | 110.8 | 110.0 | -0.8 | 164.2 | 100.3 | 16.7 | 23.6% | 1.4x | -- |
| Act | 2025-Q4 | 72.9 | 19.8 | 19.8 | 16.1 | -2.1 | -3.2 | -1.0 | 157.0 | 175.2 | 17.1 | 17.4% | 1.0x | -- |
Valuation & Metrics
Market Stats
Price$46.47
Market Cap$781M
Enterprise Value$717M
P/S Ratio5.4x
P/FCF7.3x
EV/FCF6.7x
FCF Margin (TTM)74.0%
FCF Yield13.7%
Dividend Yield (TTM)1.4%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$144.4M
Net Income$32.9M
Free Cash Flow$106.9M
Revenue Growth (YoY)+0.0%
EBITDA Margin30.0%
Net Margin22.8%
FCF Margin74.0%
CapEx % of Revenue1.3%
SBC % of Revenue0.2%
ROIC20.5%
WC Change % Rev0.9%
Interest Coverage1.2x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.3M
Days to Cover5.2
Change (vs Prior)+0.7%
Need at least 2 settlement dates for chart
Employees
Headcount539
Revenue / Employee$267,887
Gross Profit / Employee$195,724
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
33.1%(+6.8% YoY)
123 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
23.2%(+5.5% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.2%(-0.1% YoY)
5 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| BlackRock, Inc.Passive | $68.0M | $33.33 | −$1.8M | −$5.3M | -0.2% | $5.69T |
| FJ Capital Management LLC | $66.3M | $24.31 | −$5.9M | −$7.6M | -0.9% | $888M |
| DIMENSIONAL FUND ADVISORS LPPassive | $35.7M | $31.40 | +$896K | +$3.6M | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $29.1M | $42.51 | +$29.0M | +$29.1M | — | $4.04T |
| ALLIANCEBERNSTEIN L.P. | $23.7M | $37.24 | −$465K | +$16.5M | -0.3% | $307.70B |
| AMERICAN CENTURY COMPANIES INC | $21.4M | $31.83 | +$1.8M | +$5.9M | +0.7% | $193.48B |
| RENAISSANCE TECHNOLOGIES LLC | $19.9M | $30.07 | −$1.7M | −$4.3M | +1.2% | $63.91B |
| STATE STREET CORPPassive | $19.4M | $34.52 | +$4.1M | +$4.5M | -0.2% | $2.89T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $15.0M | $27.17 | +$232K | +$1.3M | +2.3% | $1.61T |
| Private Capital Management, LLC | $10.4M | $39.62 | −$187K | +$7.9M | -0.9% | $982M |
| ROYCE & ASSOCIATES LP | $6.2M | $36.94 | +$0 | +$1.5M | -0.9% | $10.09B |
| GOLDMAN SACHS GROUP INC | $5.9M | $30.14 | −$251K | +$163K | -0.2% | $760.93B |
| ACADIAN ASSET MANAGEMENT LLC | $5.5M | $20.90 | −$185K | −$1.6M | -0.5% | $70.48B |
| NORTHERN TRUST CORPPassive | $5.4M | $26.54 | +$186K | −$342K | -0.2% | $755.34B |
| VANGUARD PORTFOLIO MANAGEMENT LLCPassive | $5.2M | $42.51 | +$5.2M | +$5.2M | — | $1.91T |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $5.1M | $35.22 | +$248K | +$2.8M | -2.3% | $4.93B |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $4.9M | $29.41 | −$196K | −$698K | +0.7% | $645.81B |
| Polaris Capital Management, LLC | $4.5M | $33.04 | +$0 | −$614K | -0.1% | $1.22B |
| CSM Advisors, LLC | $4.2M | $36.95 | −$26K | +$4.2M | +0.3% | $4.07B |
| VANGUARD FIDUCIARY TRUST COPassive | $3.9M | $42.51 | +$3.8M | +$3.9M | — | $395.83B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BULLISH
Holders
-0.30%
avg per quarter
Holders (ex-self)
-0.33%
excl. this stock
Buyers (this Q)
+0.46%
51 buyers · $0.06B in
Sellers (this Q)
-0.29%
51 sellers · $0.02B out
alpha coverage: 91% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+6.8%
how holders react when this stock falls
On quiet Qs
-0.9%
−10% to +10% baseline
On rallies (+10%+)
-11.2%
how they react when this stock rises
Holders' portfolio flow this Q
+1.5%
inflows — adds are organic
Sellers' portfolio flow this Q
+0.2%
Sellers' overall flow ~ flat.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-5.5%
Holder mid (any stock)
-3.8%
Holder rally (any stock)
-6.0%
Biggest decreases this quarter
FJ Capital Management LLC−$5.9Mα-0.9WELLINGTON MANAGEMENT GROUP LLP−$3.6Mα-0.3BlackRock, Inc.−$1.8Mα-0.2RENAISSANCE TECHNOLOGIES LLC−$1.7Mα+1.2ALLIANCEBERNSTEIN L.P.−$465Kα-0.3MILLENNIUM MANAGEMENT LLCexited−$437KHSBC HOLDINGS PLCexited−$389KMORGAN STANLEY−$361Kα-0.3Mariner, LLCexited−$328KALGERT GLOBAL LLCexited−$274K
New buyers this quarter
Top-5 holders · 50.3%
BlackRock, Inc.--
FJ Capital Management LLC--
DIMENSIONAL FUND ADVISORS LP--
VANGUARD CAPITAL MANAGEMENT LLC--
ALLIANCEBERNSTEIN L.P.--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
FJ Capital Management LLC1.6MImpax Asset Management Group plc—ALLIANCEBERNSTEIN L.P.553KRENAISSANCE TECHNOLOGIES LLC466KAMERICAN CENTURY COMPANIES INC502KWELLINGTON MANAGEMENT GROUP LLP79KMALTESE CAPITAL MANAGEMENT LLC—KENNEDY CAPITAL MANAGEMENT LLC—Private Capital Management, LLC244KROYCE & ASSOCIATES LP145K
Analyst Coverage
Analyst Coverage
Analyst Ratings
1
1
Buy: 1Hold: 1Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Sells ($, 12mo)
$2.92M
6 txns · 3 insiders · 64,000 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-07 | SELL | Westbrook Hunter | director, officer: President, CEO | 3,904 | $46.17 | $180K | $4.89M |
| 2026-05-06 | SELL | Westbrook Hunter | director, officer: President, CEO | 5,074 | $46.00 | $233K | $4.87M |
| 2026-05-05 | SELL | Westbrook Hunter | director, officer: President, CEO | 31,022 | $45.81 | $1.42M | $4.85M |
| 2026-05-01 | SELL | Westbrook Hunter | director, officer: President, CEO | 20,000 | $45.65 | $913K | $4.83M |
| 2026-02-06 | SELL | Sprink John Francis II | officer: EVP | 2,000 | $45.00 | $90K | $606K |
| 2025-08-22 | SELL | POWELL KRISTIN Y. | officer: EVP | 2,000 | $41.18 | $82K | $776K |
Order Flow (FINRA, ~3w lag)
5.3%retail+1.3pp
23.6%dark-0.2pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
HomeTrust Bancshares: Informational Void Prevents Forensic Detection of Asset Quality
Overall Risk
2/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10