HomeTrust Bancshares (HTB)
Runs a community bank serving deposits, loans, and digital banking across the Southeast.
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Holds HomeTrust Bank, a community bank serving households and businesses across the Southeast. Revenue is shaped by deposits and lending across commercial real estate, business loans, equipment finance, municipal leases, residential mortgages, SBA lending, cash management, and digital banking.
Operates through HomeTrust Bank, an Asheville-based community bank with branches and digital channels across North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia. The core business gathers deposits and puts that funding into commercial real estate, business lending, equipment finance, municipal leases, residential mortgages, HELOCs, SBA loans, and consumer credit.
Growth has combined a long local thrift history with bank acquisitions that extended the franchise across Southeast markets. Management also emphasizes workplace culture and relationship banking as part of how the bank competes for customers and employees.
Earnings depend on the spread between lending yields and funding costs, while the loan book is weighted toward commercial real estate. Expansion also depends on integrating acquired markets within a regulated community-bank model.
Company facts
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Aug 21, 2026 | Stephens | Reiterate | Rating: —Target: — | Target: $57 |
| Oct 28, 2024 | Raymond James | Downgrade |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $418.4M · Total debt $175.0M · Total assets $4.44B · Shareholders' equity $600.6M
- Revenue
- $69.3M
- Operating income
- $19.6M
- Net income
- $15.6M
HistoryDividendAnnual yield
| Insiders | 3.38% | 567.7K shares | |
|---|---|---|---|
| 17 holders · as of Aug 3, 2026 | |||
| Strategic holders | 7.01% | 1.18M shares | |
| 1 holder · as of Apr 24, 2025 | |||
| Other | 89.61% | 15.06M shares | |
| remainder | |||
16.81M company shares as of Sep 22, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
FJ Capital Management LLCInstitution | 9.57% | 1.61M | filed Feb 3, 2026 |
BlackRock, Inc.Strategic | 7.01% | 1.18M | filed Apr 24, 2025 |
Dimensional Fund Advisors LPInstitution | 5.10% | 856,611 | filed Jul 14, 2026 |
Narasimhulu NeelagaruInsiderdirector | 1.34% | 224,941 | filed Jun 3, 2026 |
Hunter WestbrookInsiderdirector, officer: President, CEO | 0.63% | 105,828 | filed May 8, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Jul 30, 2026 | Laura C. Kendall | director | −10,000 | $51.13 |
| May 27, 2026 | Kristin Y. Powell | officer: EVP, Consumer & BB Group Exec | −1,000 | $46.78 |
| May 7, 2026 | Hunter Westbrook | director, officer: President, CEO | −3,904 | $46.17 |
| May 5, 2026 | Hunter Westbrook | director, officer: President, CEO | −31,022 | $45.81 |
| May 6, 2026 | Hunter Westbrook | director, officer: President, CEO | −5,074 | $46.00 |
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CompareAfter hours
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| HomeTrust Bancshares | $46.13 | +0.04% | $791.5M | 12.4 | 11.6 | 2.7 | +3.1% |
| First Bancorp | $63.02 | −0.04% | $2.60B | 19.5 | 13.9 | 6.1 | +16.3% |
| United Community Banks | $34.19 | −0.01% | $4.14B | 11.3 | 10.8 | 2.7 | +9.8% |
| SouthState | $102.37 | 0.00% | $10.00B | 10.8 | 10.5 | 3.1 | +1.2% |
| Pinnacle Financial Partners | $94.60 | −0.03% | $14.57B | 11.9 | 8.8 | 3.0 | +145.2% |
| Atlantic Union Bankshares | $38.74 | +0.16% | $5.52B | 11.6 | 10.0 | 2.5 | −3.5% |
| Truist Financial | $48.07 | +0.02% | $61.05B | 11.6 | 10.2 | 2.0 | +6.5% |
| Southern First Bancshares | $60.51 | −0.15% | $578.9M | 13.1 | 11.0 | 2.7 | +25.3% |
| Carter Bankshares | $30.28 | +0.13% | $680.4M | 5.2 | 12.9 | 2.0 | +72.0% |
| Median | 11.6 | 10.7 | 2.7 | +13.1% |