Yahoo Finance report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
Why HTB Stock dropped -2.03% Today — RQD Quant Desk Flash
HomeTrust Bancshares Inc. (HTB) carries a Roarable Rating of C (Hold) with 63/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief)
Is HTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼
As of 2026-11-02, HomeTrust Bancshares Inc. (NYSE: HTB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $46.33 (-2.03% 1D, market cap $747.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, HTB ranks #351 in composite RQD confidence.
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does HTB compare to KRNY and PDLB in the Financials sector?
▼
Within the Financials sector (Savings Institutions), HTB carries a Roarable C (63/100 RQD), trailing P/E of 11.6x, gross margin of —, and ROIC of 10.7%. By comparison, KRNY (Kearny Financial Corp) holds a D+ grade (55/100 RQD, P/E 23.0x, ROIC 3.4%, cap $599.3M) and PDLB (Ponce Financial Group Inc.) posts a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $548.6M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for HTB?
▼
Per HTB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001538263), HomeTrust Bancshares Inc. generated $0 in revenue, $64.4M in net income, and $45.3M in free cash flow against $4.55B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)
⚔️ Adversarial Opposing Case: Why the HTB Bull Thesis Could Fail
Even with a 63/100 (C) score, HTB faces multiple-compression risk if 11.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($46.80) or 200D SMA ($46.16) invalidates the momentum regime and cuts Target Base ($47.37) toward Bear Floor ($36.95).
Why HTB Stock dropped -2.03% Today — RQD Quant Desk Flash
HomeTrust Bancshares Inc. (HTB) dropped -2.03% to $46.33, trading at 55% of its 52-week range ($38.82 – $52.5). Solid steady margins (11% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 55% of its 52-week range ($38.82 – $52.5) with RSI-14 at 53.2 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±4.9% around $46.33 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C (Hold) backed by 52% gross margin and $45.3M annual free cash flow.
TradingView report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
kalkine.ca report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
ASHEVILLE, N.C., October 28, 2026--HomeTrust Bancshares, Inc. (the "Company," "we," "us" or "our") (NYSE: HTB), the holding company for HomeTrust Bank (the "Bank"), announced today that the Company’s Board of Directors (
Scheduled RQD Strong Buys & Whale Accumulation Briefing (HTB Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
- ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
HTB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on HTB today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for HTB. Explore sector supply chains on /butterfly.
📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HTB)
1. Head-to-Head Financials Peer Comparison (HTB vs. KRNY, PDLB, NRIM, CFFN)
Industry: Savings Institutions (33 Tracked Issuers)Across 1096 tracked Financials securities in the Roarable RQD universe, HomeTrust Bancshares Inc. (HTB) ranks #351 by composite RQD confidence (63/100, grade C) and #613 by equity capitalization ($747.9M). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. PDLB currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with HTB at 63/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| HTB
ACTIVE
HomeTrust Bancshares Inc. | C | 63/100 | 11.6x | — | 10.7% | -2.03% | $747.9M | Benchmark Subject |
| KRNY Kearny Financial Corp | D+ | 55/100 | 23.0x | — | 3.4% | -1.19% | $599.3M | /krny-vs-htb → |
| PDLB Ponce Financial Group Inc. | C+ | 68/100 | 19.9x | — | 5.1% | -0.84% | $548.6M | /pdlb-vs-htb → |
| NRIM Northrim BanCorp Inc | C | 64/100 | 8.3x | — | 19.8% | -1.36% | $537.9M | /nrim-vs-htb → |
| CFFN Capitol Federal Financial Inc. | C | 65/100 | 15.8x | — | 6.5% | -1.29% | $1.07B | /cffn-vs-htb → |
2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)
SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001538263In its most recent audited fiscal period (FY2025, filed 2025-12-31), HomeTrust Bancshares Inc. (HTB) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $64.4M, operating cash flow of $49.5M, and free cash flow of $45.3M (+6.9% YoY). On the balance sheet, HTB closed FY2025 with $4.55B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $64.4M | $49.5M | $45.3M | $4.55B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $54.8M | $45.4M | $42.4M | $4.60B | — |
| FY2023 (FY) | 2023-06-30 | $0 | $44.6M | -$32.9M | -$32.9M | — | — |
3. HTB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)
✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLEDIs HTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
As of 2026-11-02, HomeTrust Bancshares Inc. (NYSE: HTB) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 63/100 at a spot price of $46.33 (-2.03% 1D, market cap $747.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, HTB ranks #351 in composite RQD confidence.
How does HTB compare to KRNY and PDLB in the Financials sector?
Within the Financials sector (Savings Institutions), HTB carries a Roarable C (63/100 RQD), trailing P/E of 11.6x, gross margin of —, and ROIC of 10.7%. By comparison, KRNY (Kearny Financial Corp) holds a D+ grade (55/100 RQD, P/E 23.0x, ROIC 3.4%, cap $599.3M) and PDLB (Ponce Financial Group Inc.) posts a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $548.6M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).
What are the biggest fundamental strengths and SEC risk factors for HTB?
Per HTB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001538263), HomeTrust Bancshares Inc. generated $0 in revenue, $64.4M in net income, and $45.3M in free cash flow against $4.55B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Where is HTB trading relative to its 50-day, 200-day, and 52-week technical levels?
HTB last traded at $46.33 (-2.03% on volume of 98,992 shares), positioning the stock -1.00% below its 50-day simple moving average ($46.80) and +0.37% above its 200-day simple moving average ($46.16). Across its 52-week range of $38.82 to $52.50, HTB sits at the 54.9% percentile with a 14-day RSI of 53.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.9% ($44.06 to $48.60).
HTB Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is HTB stock moving today?
Why HTB Stock dropped -2.03% Today — RQD Quant Desk Flash. Solid steady margins (11% return on capital), mixed timing at 12x P/E—hold if owned, no rush to chase.
HTB — HomeTrust Bancshares Inc.: What the Facts Mean to a Prospective Investor
Roarable Rating Brief: What This Means to a Prospective Investor
The Roarable RQD rating is 63, grade C, labeled "Roarable Hold — Fair / Balanced Risk-Reward," per the Roarable RQD rating. The five pillars are:
- Fundamental cash engine: 11 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 10.7% and an FCF yield of 6.06%. The score is mid-range, indicating reasonable but not exceptional cash generation relative to the scoring framework.
- Whale 13F flow: 10 / 20. The pillar label references institutional accumulation and options positioning. No underlying holder or options data is provided in the source data, so the score cannot be traced to specific positions.
- Insider conviction: 16 / 20. The pillar label references SEC Form 4 and Congressional PTR cluster flow. The strongest pillar score, but the underlying insider transactions are not itemized in the source data.
- Macro regime fit: 13 / 20. Per the Roarable RQD rating, beta is 1.0 with sector sensitivity noted. Market-average sensitivity is the stated profile.
- Forensic balance sheet: 13 / 20. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 4/9, and Debt/Equity is 0.5.
For a prospective investor, the composite reads as balanced: the highest-scoring pillar (insider conviction) is offset by the lowest (whale 13F flow), and the cash-engine pillar is the main constraint on upside. The verdict label itself characterizes risk-reward as fair and balanced rather than asymmetric in either direction. Valuation tradeoffs are visible in the market data (P/E of 11.6 trailing and 10.8 forward), but whether that multiple is attractive relative to the cash-engine score depends on factors this source data does not establish.
Financial Trend
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $64.4M | N/A | $45.3M | $324.7M | N/A |
| FY 2024 | $0.0M | $0.0M | $54.8M | N/A | $42.4M | $279.2M | N/A |
| FY 2023 | $0.0M | $0.0M | $44.6M | N/A | $-32.9M | N/A | N/A |
Per the SEC financials, reported net income rose from $44.6M (FY 2023) to $54.8M (FY 2024) to $64.4M (FY 2025), and free cash flow was positive in FY 2024 and FY 2025. Revenue and operating income are reported as $0.0M, and margins are reported as 0% in the market data, so margin analysis cannot be performed from source data. Per the market data, ROIC is 10.7%. Per the Roarable RQD rating, Altman Z-Score is 2.5 and Piotroski F-Score is 4/9. Per the Roarable RQD rating, Debt/Equity is 0.5; debt values in the financials are N/A.
Recent Catalysts & News Wire Analysis
Per the recent catalysts section, six items are listed, all tagged to HTB:
- A Yahoo Finance item on Q3 earnings and revenue estimates (YELLOW, MARKET WIRE).
- A TradingView estimates item (YELLOW, MARKET WIRE).
- A Yahoo Finance item on expected beats of earnings estimates (GREEN, CATALYST), the only green-flagged item.
- A Stock Titan item reporting that a former Bank of America North Carolina president joined the HomeTrust board (YELLOW, MARKET WIRE).
- A Simply Wall St item noting the stock "Shrugs Off Q3 Earnings Strength" (YELLOW, MARKET WIRE), which is a risk-watch framing.
- A kalkine.ca item on Q3 earnings of USD 1.11 per share (YELLOW, MARKET WIRE).
Per the butterfly supply-chain graph, supply_chain is NONE, with no butterfly links and no proprietary signals.
Open Questions
- What are HomeTrust's revenue and operating income figures, given that the reported values are $0.0M and margins are 0%?
- What is the EV/EBITDA, and how does the valuation compare on a cash-flow-adjusted basis?
- Which specific insider transactions and institutional positions underlie the insider conviction (16/20) and whale flow (10/20) pillar scores?
- What is the debt structure behind the Debt/Equity of 0.5 when debt values are reported as N/A?
- What drove the 52-week move to the $52.5 high versus the $38.82 low, and what are the company's core lending and deposit economics?
HTB Live News Feed, Press Releases & Catalyst Wire
Real-time company headlines, analyst actions, and sector developments for HomeTrust Bancshares Inc. (HTB) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
TradingView report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
kalkine.ca report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering HomeTrust Bancshares Inc. (HTB) market action, institutional positioning, and fundamental catalysts.
HTB Bull vs. Bear Conversation Board — What's Your Call at $46.33?
🔥 Official Bull vs. Bear Debate: Is HTB (C • RQD 63/100) a Buy at $47.29?
Welcome to the HTB (HomeTrust Bancshares Inc.) Roar Pit. Current RQD Composite is 63/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Pump the brakes on HTB — check the valuation vs. margin headwinds
Everyone in here is repeating the bull case on HTB, but look at what you are paying: 11.6x trailing P/E with tightening sector spreads. Unless HomeTrust Bancshares Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
HTB cash flow & RQD setup is being underpriced by the Street here
Looking at the 5-pillar RQD breakdown on HTB, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $47.29 (52-wk range $38.82 - $52.50), any beat on forward guidance forces shorts and underweight funds to chase.