HomeTrust Bancshares
Runs a community bank serving deposits, loans, and digital banking across the Southeast.
Something off on this page? Send us feedback.
Profile
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
Categories
Key statistics
Year to date +9.5% · Average volume (30d) 185.3K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Target |
|---|---|---|---|---|---|
| Aug 21, 2026 | Stephens | Reiterate | Overweight | $57 | |
| Oct 28, 2024 | Raymond James | Downgrade | Outperform | Market Perform |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $0.87 | $0.94 | +8.4% | $53.0M | $54.5M | +3.0% | +0.45% |
| Apr 23, 2026Q1 FY26 | $0.82 | $0.99 | +20.7% | $51.8M | $54.3M | +4.9% | −3.57% |
| Jan 22, 2026Q4 FY25 | $0.91 | $0.93 | +2.2% | $52.7M | $53.6M | +1.7% | −4.43% |
| Oct 22, 2025Q3 FY25 | $0.87 | $0.95 | +9.4% | $52.9M | $54.1M | +2.4% | −1.97% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $71.7M | $72.3M | $74.1M | $72.9M | $71.5M | $69.3M | |
| Gross profit | $49.4M | $51.6M | $52.1M | $51.5M | $54.0M | $52.5M | |
| Operating income | $18.4M | $21.8M | $20.9M | $19.8M | $21.0M | $19.6M | |
| Net income | $14.5M | $17.2M | $16.5M | $16.1M | $16.8M | $15.6M | |
| Diluted EPS | $0.84 | $1.00 | $0.95 | $0.93 | $0.99 | $0.94 | |
| Gross margin | 68.9% | 71.4% | 70.3% | 70.7% | 75.4% | 75.8% | |
| Operating margin | 25.7% | 30.2% | 28.1% | 27.2% | 29.3% | 28.3% |
Fiscal years (4-quarter sums)FY21 $158.3M · FY22 $169.1M · FY23 $265.8M · FY24 $295.1M · FY25 $291.0M
Balance sheet, Jun 30, 2026Cash & short-term investments $418.4M · Total debt $175.0M · Total assets $4.44B · Shareholders' equity $600.6M
Dividends
Raised for 6 straight years — most recently to $0.15 from $0.13 in May 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 13, 2026 | Aug 13 | Aug 27 | $0.15 | |
| May 14, 2026 | May 14 | May 28 | $0.15 | raised from $0.13 |
| Feb 18, 2026 | Feb 18 | Feb 26 | $0.13 | |
| Nov 14, 2025 | Nov 14 | Nov 28 | $0.13 | raised from $0.12 |
| Aug 14, 2025 | Aug 14 | Aug 28 | $0.12 | |
| May 15, 2025 | May 15 | May 29 | $0.12 | |
| Feb 13, 2025 | Feb 13 | Feb 27 | $0.12 | |
| Nov 14, 2024 | Nov 14 | Nov 27 | $0.12 | raised from $0.11 |
Ownership
Shares outstanding 16.81M · Float 15.10M · 89.9% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| FJ Capital Management LLC | 1.61M | 9.22% | 13G | Feb 3, 2026 |
| BlackRock, Inc. | 1.18M | 6.70% | 13G | Apr 24, 2025 |
| Dimensional Fund Advisors LP | 856.6K | 5.10% | 13G | Jul 14, 2026 |
| Narasimhulu Neelagaru · director | 224.9K | 1.34% | Form 4 | Jun 3, 2026 |
| Hunter Westbrook · director, officer: President, CEO | 105.8K | 0.63% | Form 4 | 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 |
Peers
- First Bancorp
Carolinas community bank with CRE, C&I, deposits and SBA overlap
- United Community Banks
Southeast regional bank with broad loan and deposit overlap
- SouthState
Large Southeast bank competing in commercial, mortgage and deposits
- Pinnacle Financial Partners
Post-Synovus Southeast bank with commercial and deposit reach
- Atlantic Union Bankshares
Mid-Atlantic bank overlapping VA/NC commercial banking
- Truist Financial
NC-based top-10 bank competing across deposits, CRE and treasury
- Southern First Bancshares
Small Southeast peer in CRE, residential, deposits and cash management
- Carter Bankshares
VA/NC community bank with CRE, mortgage and deposits overlap
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| HomeTrust Bancshares | $46.91 | +0.02% | $788.3M | 12.3 | 11.8 | 2.7 | +3.1% |
| First Bancorp | $64.66 | +1.13% | $2.65B | 19.9 | 14.1 | 6.2 | +16.3% |
| United Community Banks | $35.18 | −0.01% | $4.21B | 11.5 | 11.6 | 2.7 | +9.8% |
| SouthState | $105.98 | +0.00% | $10.28B | 11.1 | 10.8 | 3.2 | +1.2% |
| Pinnacle Financial Partners | $101.09 | +0.02% | $15.26B | 12.4 | 9.4 | 3.1 | +145.2% |
| Atlantic Union Bankshares | $40.66 | +0.02% | $5.77B | 12.1 | 10.5 | 2.6 | −3.5% |
| Truist Financial | $53.13 | +5.37% | $62.83B | 12.0 | 10.6 | 2.1 | +6.5% |
| Southern First Bancshares | $62.26 | +0.04% | $588.7M | 13.3 | 11.3 | 2.8 | +25.3% |
| Carter Bankshares | $31.47 | +0.10% | $697.4M | 5.4 | 13.4 | 2.0 | +72.0% |
| Median | 12.0 | 11.1 | 2.7 | +13.1% |