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HomeTrust Bancshares, Inc. (HTB)
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Upturn Advisory Summary
03/13/2025: HTB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -5.01% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/13/2025 |
Key Highlights
Company Size ETF | Market Capitalization 0 USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) 39651 | Beta - | 52 Weeks Range 23.23 - 38.86 | Updated Date 03/25/2025 |
52 Weeks Range 23.23 - 38.86 | Updated Date 03/25/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) - |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin - | Operating Margin (TTM) - |
Management Effectiveness
Return on Assets (TTM) - | Return on Equity (TTM) - |
Valuation
Trailing PE - | Forward PE - | Enterprise Value - | Price to Sales(TTM) - |
Enterprise Value - | Price to Sales(TTM) - | ||
Enterprise Value to Revenue - | Enterprise Value to EBITDA - | Shares Outstanding - | Shares Floating - |
Shares Outstanding - | Shares Floating - | ||
Percent Insiders - | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
HomeTrust Bancshares, Inc.
Company Overview
History and Background
HomeTrust Bancshares, Inc. was founded in 1926 as Home Federal Savings and Loan Association in Asheville, North Carolina. It converted to a stock holding company and changed its name to HomeTrust Bancshares, Inc. in 2014. The bank has grown organically and through acquisitions, expanding its presence across the Southeast.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending products and services, including commercial real estate loans, business loans, and lines of credit. This segment also includes deposit accounts and cash management services.
- Retail Banking: Offers traditional retail banking services such as checking and savings accounts, mortgage loans, consumer loans, and credit cards. It focuses on serving individual customers and small businesses.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
The leadership team is headed by the CEO and includes executives overseeing key areas such as finance, lending, operations, and risk management. The organizational structure consists of various departments and divisions responsible for different aspects of the bank's operations.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for commercial real estate projects. HomeTrust does not disclose specific market share data for this product. Competitors include larger national and regional banks such as Truist Financial (TFC), Bank of America (BAC), and regional players like First Horizon (FHN).
- Residential Mortgage Loans: Offers mortgage loans for home purchases and refinances. HomeTrust does not disclose specific market share data for this product. Competitors include national mortgage lenders such as Rocket Companies (RKT) and PennyMac Financial Services (PFSI), as well as other regional and local banks.
- Small Business Loans: Provides loans to small businesses for various purposes. HomeTrust does not disclose specific market share data for this product. Competitors include national banks such as JPMorgan Chase (JPM) and Wells Fargo (WFC), as well as online lenders and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges and opportunities, including rising interest rates, increased competition from fintech companies, and evolving regulatory landscape. Banks are adapting by focusing on digital transformation, improving customer experience, and managing credit risk.
Positioning
HomeTrust Bancshares, Inc. positions itself as a community-focused bank with a strong presence in the Southeast. It aims to differentiate itself through personalized service and local expertise, while also offering competitive products and services.
Total Addressable Market (TAM)
The TAM for banking services in the Southeast is estimated to be in the hundreds of billions of dollars. HomeTrust's positioning allows it to capture a share of this market by focusing on specific geographic areas and customer segments.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Solid asset quality
- Strong customer relationships
- Expanding presence in high-growth markets
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Reliance on traditional banking model
- Higher cost of deposits vs larger banks
- Potential Technology limitations versus larger banks
Opportunities
- Expanding into new markets
- Increasing market share
- Investing in technology and digital banking
- Acquiring other banks or branches
- Growing wealth management business
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- TFC
- FHN
- WSFS
- UMB
- OZK
Competitive Landscape
HomeTrust faces significant competition from larger regional and national banks. Its advantages include a strong local presence and customer relationships. Disadvantages include smaller scale and limited geographic diversification compared to its competitors.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis is unavailable without live data.
Future Projections: Future growth projections are unavailable without live data.
Recent Initiatives: Recent strategic initiatives are unavailable without live data.
Summary
HomeTrust Bancshares is a community-focused bank with a strong presence in the Southeast, leveraging its local expertise and customer relationships. While the bank exhibits solid asset quality and an experienced team, it faces challenges from larger competitors and the evolving financial landscape. Growth opportunities exist through expansion and technology investment, but careful management of risks like interest rates and cybersecurity is essential. It's current market position, versus larger entities like Truist (TFC), puts it at a disadvantage from a product offering and financial flexibility perspective.
Similar Companies
CADE
Cadence Bancorp
CADE
Cadence Bancorp
FHN
First Horizon National Corporation
FHN
First Horizon National Corporation
OZK
Bank Ozk
OZK
Bank Ozk
TFC
Truist Financial Corp
TFC
Truist Financial Corp
WSFS
WSFS Financial Corporation
WSFS
WSFS Financial Corporation
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports (estimates)
- Market Share Data (various sources)
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market share data is based on estimates and may not be precise. Financial data is not live and should be verified independently.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About HomeTrust Bancshares, Inc.
Exchange NASDAQ | Headquaters Asheville, NC, United States | ||
IPO Launch date 2025-02-28 | CEO, President & Vice Chairperson of the Board Mr. C. Hunter Westbrook | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 539 | Website https://www.htb.com |
Full time employees 539 | Website https://www.htb.com | ||
HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services in North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia. The company'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. Its loan portfolio comprises one-to-four-family real estate lending, multifamily, home equity lines of credit, construction and land development, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and land development, and commercial and industrial loans. The company also provides small business administration loans, equipment finance leases, and municipal leases, as well as cash management and online/mobile banking services. In addition, it invests in debt securities issued by the United States government agencies and government-sponsored enterprises, municipal bonds, corporate bonds, commercial paper and certificates of deposit insured by the federal deposit insurance corporation. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.
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