# HomeTrust Bancshares Inc. (HTB) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $47.25, market value $781 million.

## Valuation
- **P/E (trailing): 12.4×** (5-yr avg 13.4×, 3-yr avg 9.6×). HomeTrust Bancshares Inc. trades at 12.4× trailing earnings, close to its own five-year average of 13.4×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.69**. A PEG of 0.69 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 75.3×**. Each dollar of revenue is priced at 75.3×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 1.3×**. The shares trade at 1.3× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 12.2%** (5-yr avg 2.0%). Free cash flow equals 12.2% of the market value, above its five-year average of 2.0%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 8.1%**. The inverse of the P/E: 8.1% of the price is earned each year.

## Profitability
- **Return on equity: 10.7%**. 10.7% on shareholders' equity is solid.
- **Return on assets: 0.3%**. Each dollar of assets produces 0.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 16.3%** (3-yr 18.6%/yr, 5-yr 23.4%/yr). Earnings per share rose 16.3%.
- **Free-cash-flow growth (3 yr): 11.7%/yr**. Free cash flow has compounded at 11.7% a year over three years, lagging earnings: check whether profits are turning into cash.

## Dividends
- **Dividend yield: 1.27%** ($0.53 per share, trailing). HomeTrust Bancshares Inc. yields 1.27%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 13%** (9% of free cash flow). 13% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 8**. 8 straight years of increases.
- **Dividend growth (5 yr): 11.1%/yr** (1-yr 8.9%). The dividend has compounded at 11.1% a year over five years, doubling roughly every 7 years at that pace.

## Analyst view
- **Analyst consensus: buy** (4 analysts). 4 analysts cover HomeTrust Bancshares Inc.; the consensus is buy, with an average price target of $55.25 (+17% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 14.9%** (YTD 10.7%, 3-mo 0.1%). The shares are up 14.9% over twelve months including dividends.
- **From 52-week high: -10.0%** (23.4% above the low). Trading 10% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 43**. An RSI of 43 is neutral.
- **Beta (1 yr): 0.49** (volatility 22%). Beta of 0.49 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=HTB · Page: https://foliofundamentals.com/stocks/htb

Not investment advice.