HomeTrust Bancshares, Inc. (HTB)
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
$47.25+0.40%
Close 2026-09-04 · 1-day change
NYSEFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · HTB
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -30.5% |
| Our one-year growth estimate | diamond | 28.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 58.5 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 219 industry peers
HTB — director transition
Dated 2026-05-19
Director — Robert E. James, Jr.: Mr. James retired as a director of the Company and the Bank.
Why it matters: A big drop in net income shows weak financial health. This could hurt investor confidence.
Worry ifQ3 net income falls more than 6.8% compared to Q2's $15.6 million.
Less concerning ifQ3 net income remains stable or increases compared to Q2.
Why it matters: A drop in revenue growth may mean a slowdown in finance. This could affect HomeTrust's performance.
Worry ifSector revenue growth drops below its median of 15%.
Less concerning ifSector revenue growth remains above its median of 15%.
Why it matters: Success in this division could enhance growth and diversify revenue. It reflects strategic expansion.
Watch forGood financial results or growth from the Healthcare Banking Division in Q3 2026.
Also watch forNo financial results or bad performance from the Healthcare Banking Division in Q3 2026.
Why it matters: Earnings results show how well the company makes money and grows. They help assess management's work.
Watch forQ3 net income shows growth compared to Q2, indicating strong performance.
Also watch forQ3 net income falls compared to Q2. This raises concerns about profitability.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$55 on $10,000 · ±0.5% | How much price usually moves either way. |
| Bad day | $231 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,043 loss on $10,000 · 10.4% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: A drop in EPS could show lower profits. It may hurt investor confidence.
Worry ifQ3 diluted EPS is above $0.94.
Less concerning ifQ3 diluted EPS falls below $0.94.
Why it matters: Finishing the buyback program shows faith in the stock. It helps the share price.
Supportive ifAnnouncement of finishing the new stock buyback for 832,000 shares.
Worry ifNo news about finishing or making progress on the buyback program.
Why it matters: Faster loan growth helps HomeTrust be a top bank. It shows strong demand and a good strategy.
Supportive ifLoan growth exceeds 8.5% annualized in Q3 2026, showing strong demand.
Worry ifLoan growth drops below 8.5% each year. This may show problems with demand or strategy.
Why it matters: Higher dividends show confidence in financial strength. They also show a commitment to returning value to shareholders.
Supportive ifThe quarterly dividend goes above $0.15 per share. This shows ongoing financial strength.
Worry ifThe quarterly dividend stays at $0.15 or goes down. This raises concerns about financial stability.
Why it matters: This acquisition will greatly increase HomeTrust's assets and locations. It may boost growth and market presence.
Supportive ifThe acquisition will close as planned in early 2027. This confirms management's timeline.
Worry ifThe acquisition may face delays or regulatory issues. This could push the closing date past early 2027.