Why HTB Stock dropped -2.03% Today — RQD Quant Desk Flash

$46.33 -2.03% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $46.07

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.

ROARABLE C • HOLD / WATCH Cap $747.9M
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🤖 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?
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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.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HTB compare to KRNY and PDLB in the Financials sector?
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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).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HTB?
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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.

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INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $46.07 (-0.56%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 1.1% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 63/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.9% avg 90D alpha vs SPY • 54.8% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510063
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C · Rk C
Cash (11)Whales (10)SEC (13)Macro (13)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+2.2% Base Target
$56 Bull$47 Base$37 Bear
📬 FREE HTB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HTB)Realized 20D OHLCV Swing Band: ±4.9%
Deterministic 5-Pillar Attribution (63/100 Composite)
🔍 WHY HTB SCORES 63/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning10/20 pts (-10 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
55
Grade C$45.84+1.7% Next Q
Q2 (-2Q)
58
Grade C$46.62+1.6% Next Q
Q3 (-1Q)
60
Grade C$47.35-2.2% Next Q
Current
63
Grade C$46.33+0.9% Hist 90D α
Trajectory: C (55) → C (63)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HTB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

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.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

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).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HTB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “HTB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

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.
Live HTB Headlines & Catalysts
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

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
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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HTB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.73%▼ DESCENDING CHANNEL
2026-11-02O $46.97H $47.29L $46.33C $46.33VOL 77.4K
RES: $48.64SUP: $43.61SMA50: $46.80SMA200: $46.16
$53.23$50.20$47.16$44.12$41.09RES $48.64SUP $43.61$46.332026-05-042026-06-172026-08-042026-09-172026-11-02
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HTB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)
1.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HTB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HTB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for HTB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HTB)

Financials Rank #351 of 1096 ⚔️ KRNY vs HTB Full Matrix →

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 0001538263

In 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 ENABLED

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.

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 × FRED

Why 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.

ROARABLE RATING BRIEF • RQD 63/100 (C) ✓ STAGE-C NUMBER FIREWALL VERIFIED

HTB — HomeTrust Bancshares Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:33:16Z

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

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$0.0M$64.4MN/A$45.3M$324.7MN/A
FY 2024$0.0M$0.0M$54.8MN/A$42.4M$279.2MN/A
FY 2023$0.0M$0.0M$44.6MN/A$-32.9MN/AN/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

💬 Jump to HTB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HTB Bull vs. Bear Conversation Board — What's Your Call at $46.33?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HTB 🐻 50% BEARISH CONVICTION
1. Pick Your Side on HTB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $51.07 (+8.0%)
📌 Pinned Debate

🔥 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.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $37.83 (-20.0%)
Spot @ $47.29

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.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $55.80 (+18.0%)
Spot @ $47.29

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.

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