HomeTrust Bancshares, Inc. (HTB) Stock Score, Valuation & Financial Research
HomeTrust Bancshares, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 55/100.
Quick answer for HTB
HomeTrust Bancshares, Inc. currently has a Wall Street Score of 55/100. The stored market price is $48.54. Its financial score is 52/100. Its valuation score is 97/100. The latest WSS change is +2.9 points. These figures are a research snapshot, not a buy or sell recommendation.
What HomeTrust Bancshares, Inc. does
HomeTrust Bancshares, Inc. serves as the holding company for HomeTrust Bank, providing a comprehensive array of retail and commercial banking products and services. Its deposit offerings include savings, money market, and demand accounts, along with certificates of deposit, catering to individuals, businesses, and nonprofit organizations. The company's lending activities encompass various retail consumer loans, such as financing for one-to-four-family real estate, home equity lines of credit, construction and land/lot acquisition, indirect auto loans, and general consumer credit. For commercial clients, it offers loans for commercial real estate, construction and development, and industrial purposes. Additionally, the company provides specialized financial services like Small Business Administration loans, equipment finance leases, indirect automobile loans, and municipal leases, alongsi
HTB financial snapshot
- Wall Street Score:
- 55/100
- Current price:
- $48.54
- Market capitalization:
- $815.7M
- Revenue:
- $287.9M
- Net income:
- $65.0M
- Free cash flow:
- $42.8M
- Cash:
- $272.5M
- Total debt:
- $175.0M
- EPS:
- 3.75
- P/E ratio:
- 12.9x
- Financial score:
- 52/100
- Valuation score:
- 97/100
- Revenue score:
- 24/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $42.8M, showing positive cash generation.
- The balance sheet shows $272.5M of cash versus $175.0M of total debt, leaving more cash than debt.
- The latest Wall Street Score change is +2.9 points: HTB increased 2.9 points because Revenue improved by 5.9 points, Capital improved by 15 points, Management improved by 12.1 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 52/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-08-14.
How to research HTB
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.