HomeTrust Bancshares, Inc.
HTBFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services in the United States. The $783.0M market capitalization puts HTB squarely in small-cap range for its industry. It's deposit products include savings, money market, noninterest-bearing, and interest-bearing checking accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations.
Market Cap
$783.0M
Beta
0.82
P/E (TTM)
12.04
P/E (Fwd)
12.48
EPS (TTM)
$3.87
EPS (Fwd)
$3.73
ROE
11.5%
ROA
1.5%
Cash
$314.3M
Total Debt
$109.0M
Free CF
—
52W Change
28.6%
Annual Financials
Cash vs Debt
With $314.3M in cash and $109.0M in debt, HTB maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. Return on equity stands at 11.5%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.5% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $150.0M (2022) to $211.5M (2025), reflecting a 41% increase over the period.
With cash comfortably exceeding debt, HTB has financial flexibility that may help navigate uncertain periods. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence HomeTrust Bancshares, Inc.'s trajectory.