Zacks Investment Research·Jun 25, 2026
PEBK vs. HTB: Which Regional Bank Stock Is the Better Buy Right Now?Peoples Bancorp and HomeTrust face different scales, reach and strategies, but which stock looks better positioned right now? Let's dive in.
HomeTrust Bancshares, Inc.(HTB)Earnings, Financials & Key Ratios
HTB•NYSE•Banking & Credit
$49.00
13.2× P/E·Price updated Jul 7, 2026
AboutHomeTrust 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, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services. As of June 30, 2021, the company operated 41 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.Show more
- Net Interest Income$177M+4.8%
- Total Revenue$292M-0.9%
- Net Income$64M+17.4%
- Return on Equity11.17%+4.2%
- Net Interest Margin3.89%+5.9%
- Efficiency Ratio42.8%+1.3%
- ROA1.41%+18.2%
- Equity / Assets13.21%+10.1%
- Book Value per Share35.11+8.4%
HTB Price & Volume
HomeTrust Bancshares, Inc. (HTB) stock price & volume — 10-year historical chart
Loading chart...
Strategic Pivot Drives Commercial Lending Growth Transition
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Stable
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:CRE and construction concentration
Key Thesis Takeaways
- HomeTrust Bancshares is successfully navigating a strategic transition from a traditional thrift model toward a commercial-oriented lending profile, supported by a robust capital buffer and disciplined expense management.
- While the bank maintains a stable 1.0% net interest margin, investors should monitor the inherent credit risks associated with its concentrated real estate-backed asset portfolio.
- Future performance will likely depend on the bank's ability to maintain its 46.1% efficiency ratio while managing the volatility of provision expenses in a shifting interest rate environment.
Verdict Logic
while the bank shows disciplined operational control with a 46.1% efficiency ratio, the 13.49 forward P/E and persistent concentration risk in real estate warrant a cautious approach until further margin expansion is realized.
HTB Growth Metrics
HomeTrust Bancshares, Inc. (HTB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years11.16%
5 Years12.84%
3 Years10.62%
TTM-
Profit CAGR
10 Years18.84%
5 Years32.64%
3 Years13%
TTM22.7%
EPS CAGR
10 Years19.06%
5 Years31.67%
3 Years9.93%
TTM22.86%
Return on Capital
10 Years5.35%
5 Years8.08%
3 Years7.47%
Last Year6.3%
HTB Recent Earnings
HomeTrust Bancshares, Inc. (HTB) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 9/12 qtrs (90%)●Beat Revenue 9/12 qtrs (90%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.99+20.7%
$0.82
Rev
$54M+4.9%
$52M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$0.95+10.0%
$0.86
Rev
$73M+38.2%
$53M
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.93+2.2%
$0.91
Rev
$54M+1.7%
$53M
Q4 2025
Oct 22, 2025Metric
Actual
Est
EPS
$0.95+9.4%
$0.87
Rev
$54M+2.4%
$53M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.99vs $0.82+20.7% | $54Mvs $52M+4.9% |
| Q2 2026 | Mar 13, 2026 | $0.95vs $0.86+10.0% | $73Mvs $53M+38.2% |
| Q1 2026 | Jan 22, 2026 | $0.93vs $0.91+2.2% | $54Mvs $53M+1.7% |
| Q4 2025 | Oct 22, 2025 | $0.95vs $0.87+9.4% | $54Mvs $53M+2.4% |
Based on last 12 quarters of dataView full earnings history →
Latest HTB News
Recent stock market news and headlines for HomeTrust Bancshares, Inc. (HTB)
Business Wire·Jun 23, 2026
Hack The Box Expands Cyber Readiness Platform with Defensive Security, Crisis Control and Workforce Intelligence CapabilitiesNEW YORK--(BUSINESS WIRE)--Hack The Box (HTB), the global leader in AI cybersecurity readiness, today announced new capabilities to help security leaders gain greater visibility into skills, performance and operational readiness. As AI transforms cyberattacks and cybersecurity operations, HTB is expanding its cyber readiness platform to help organizations identify gaps, evaluate team performance and strengthen organizational resilience. By combining hands-on Security Operations Center (SOC) tra.
Peers Comparison
Key metrics vs top competitors for HomeTrust Bancshares, Inc. (HTB)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $49.00 | $823.46M | 13.17 | -0.88% | 22.01% | 11.17% | 1% | |
| $43.69 | $1.22B | 13.83 | 3.58% | 18.28% | 10.19% | — | |
| $49.63 | $2.58B | 14.90 | 10.36% | 19.66% | 9.83% | — | |
| $22.75 | $3.3B | -7.71 | -56.66% | -63.53% | -10.51% | — | |
| $63.16 | $2.61B | 23.57 | 2.32% | 21.81% | 7.47% | — | |
| $47.66 | $1.79B | 15.58 | 54.54% | 27.09% | 11.95% | — |
Compare HTB vs Peers
HomeTrust Bancshares, Inc. (HTB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HTB SEC Filings & Documents
HomeTrust Bancshares, Inc. (HTB) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 19, 2026·SEC
Material company update
May 15, 2026·SEC
Material company update
Apr 23, 2026·SEC
10-K Annual Reports
1FY 2026
Mar 13, 2026·SEC
10-Q Quarterly Reports
4Get notified when HTB posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
HTB Frequently Asked Questions
HomeTrust Bancshares, Inc. (HTB) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is HomeTrust Bancshares, Inc. growing?
HomeTrust Bancshares, Inc. (HTB) saw revenue decline by 0.9% over the past year.
Is HTB profitable?
Yes, HomeTrust Bancshares, Inc. (HTB) is profitable, generating $66.6M in net income for fiscal year 2025 (22.0% net margin).
Dividend & Returns
Does HTB pay dividends?
Yes, HomeTrust Bancshares, Inc. (HTB) pays a dividend with a yield of 1.00%. This makes it attractive for income-focused investors.
What is HTB's return on equity?
HomeTrust Bancshares, Inc. (HTB) has a return on equity (ROE) of 11.2%. This is reasonable for most industries.
Industry Metrics
What is HomeTrust Bancshares, Inc.'s net interest margin?
HomeTrust Bancshares, Inc. (HTB) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.
What is HomeTrust Bancshares, Inc.'s efficiency ratio?
HomeTrust Bancshares, Inc. (HTB) has an efficiency ratio of 42.8%. This is excellent, indicating strong cost control.