HomeTrust Bancshares, Inc. (HTB)

NYSEFinancialsBanks - RegionalSnapshot 2026-10-23

$48.10-0.04%

Close 2026-10-23 · 1-day change

Investment OutlookAs of Oct 24, 2026

What could strengthen or challenge HomeTrust Bancshares, Inc.’s outlook?

The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.

Higher potential upsideImproving expectations

Next-FY EPS estimate change · 30 days

Comparable estimates unavailable

+10% or more+5%0%−5%−10% or less

A matching fiscal period and sufficient coverage are required.

Higher risk of downsideWeakening expectations

One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.

How this is measured

The calculation requires same-period, same-provider snapshots, positive EPS, at least five analysts and a baseline within three days of the requested lookback.

Measure / period	Management expectations	Analyst expectations
Quarter ending 2026-12-30
Revenue	—	54.59M
EPS	—	0.944
Quarter ending 2027-03-31
Revenue	—	81.96M
EPS	—	0.98
Annual ending 2026-12-31
Revenue	—	218.63M
EPS	—	3.976
Annual ending 2027-12-31
Revenue	—	334.16M
EPS	—	4.404

Management figures unavailable.

What the Thesis Depends On

Three published thesis conditions, with dated milestones shown separately.

Key Factor	Why It Matters	Current Status	Break Condition	Latest Evidence
Quarterly dividend increases continue	Management increased the quarterly dividend, signaling financial strength.	Intact	No dividend increase or dividend cut in the next 4 quarters	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Source date unavailableLast status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement. Management context Stated in 2 supplied quarters. The quarterly dividend was $0.15 per share in 2026-Q3, and the October release declared the same amount; revenue was $61,173,000 in 2026-Q4 versus $63,641,000 in 2025-Q4. The dividend increase was implemented and maintained, demonstrating delivery on the stated capital-return action. Delivery assessment Oct 24, 2026
Continued quarterly earnings beats	The company has a strong track record of earnings beats and completed a 5% stock buyback.	Improving	Fewer than 3 earnings beats in the next 4 quarters	Direct metric needs a verified mapping The published measure or accounting basis is not supported by an exact source binding. Source date unavailableLast status assessment Oct 24, 2026Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.
EPS at or above $0.99 in FY26	A primary condition in HomeTrust Bancshares, Inc.'s published investment case. The stated target is >=0.99 USD per share.	Intact	EPS falls below $0.99 in FY26	Diluted EPS: $0.94 per share FY2026-Q4; GAAP. Published target: >=0.99 USD per share. Target period is not explicitly aligned with this observation. Source published Aug 6, 20260.94 USD/share · source valueSource reportLast status assessment Oct 24, 2026 Measurement source consolidated · GAAP FY2026-Q4 · Period ending Jun 30, 2026 Source: company_financial_results. Reference: e0eda21e-a3b9-4831-9ccb-4413ac55354f. Source status: unverified. Compare required operating outcomes Compare scope, accounting basis and period before treating this evidence as progress against an annual requirement.

Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.

Incoming Evidence

Compare these dated observations with the operating requirements above

Expectations trend

Same fiscal period

FY2027 · fiscal year ending 2027-12-31 · fmp

FY2027 EPSUnavailable

$3.72 → Unavailable · observed estimates

FY2027 revenue: comparable history unavailable.

Exact estimates & source dates

One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.

FY2027 estimate observations · fmp
Snapshot	EPS	Revenue	EPS / revenue analysts
2026-07-24	$3.72	Unavailable	5 / 2
2026-07-25	Unavailable	Unavailable	4 / 2
2026-07-26	$3.72	Unavailable	5 / 2
2026-07-27	Unavailable	Unavailable	4 / 2
2026-07-28	$3.72	Unavailable	5 / 2
2026-07-29	Unavailable	Unavailable	4 / 2
2026-07-30	$3.89	Unavailable	5 / 3
2026-07-31	$3.89	Unavailable	5 / 3
2026-08-01	Unavailable	Unavailable	4 / 2
2026-08-02	$3.89	Unavailable	5 / 3
2026-08-03	$3.89	Unavailable	5 / 3
2026-08-04	$3.89	Unavailable	5 / 3
2026-08-05	Unavailable	Unavailable	4 / 2
2026-08-06	$3.89	Unavailable	5 / 3
2026-08-07	Unavailable	Unavailable	4 / 2
2026-08-08	Unavailable	Unavailable	4 / 2
2026-08-09	$3.89	Unavailable	5 / 3
2026-08-10	Unavailable	Unavailable	4 / 2
2026-08-12	$3.83	Unavailable	5 / 3
2026-08-13	Unavailable	Unavailable	4 / 2
2026-08-14	Unavailable	Unavailable	4 / 2
2026-08-15	Unavailable	Unavailable	4 / 2
2026-08-16	Unavailable	Unavailable	4 / 2
2026-08-17	Unavailable	Unavailable	4 / 2
2026-08-18	Unavailable	Unavailable	4 / 2
2026-08-19	Unavailable	Unavailable	4 / 2
2026-08-20	Unavailable	Unavailable	3 / 2
2026-08-21	Unavailable	Unavailable	3 / 2
2026-08-22	Unavailable	Unavailable	3 / 2
2026-08-23	Unavailable	Unavailable	4 / 2
2026-08-24	Unavailable	Unavailable	4 / 2
2026-08-25	Unavailable	Unavailable	4 / 2
2026-08-26	Unavailable	Unavailable	4 / 2
2026-08-27	Unavailable	Unavailable	4 / 2
2026-08-28	Unavailable	Unavailable	4 / 2
2026-08-29	Unavailable	Unavailable	4 / 2
2026-08-30	Unavailable	Unavailable	4 / 2
2026-08-31	Unavailable	Unavailable	4 / 2
2026-09-01	Unavailable	Unavailable	4 / 2
2026-09-02	Unavailable	Unavailable	4 / 2
2026-09-03	Unavailable	Unavailable	4 / 2
2026-09-04	Unavailable	Unavailable	4 / 2
2026-09-05	Unavailable	Unavailable	4 / 2
2026-09-06	Unavailable	Unavailable	4 / 2
2026-09-07	Unavailable	Unavailable	4 / 2
2026-09-08	Unavailable	Unavailable	4 / 2
2026-09-09	Unavailable	Unavailable	4 / 2
2026-09-10	Unavailable	Unavailable	4 / 2
2026-09-11	Unavailable	Unavailable	4 / 2
2026-09-12	Unavailable	Unavailable	4 / 2
2026-09-13	Unavailable	Unavailable	4 / 2
2026-09-14	Unavailable	Unavailable	4 / 2
2026-09-15	Unavailable	Unavailable	4 / 2
2026-09-16	Unavailable	Unavailable	4 / 2
2026-09-17	Unavailable	Unavailable	4 / 2
2026-09-18	Unavailable	Unavailable	4 / 2
2026-09-19	Unavailable	Unavailable	4 / 2
2026-09-20	Unavailable	Unavailable	4 / 2
2026-09-21	Unavailable	Unavailable	4 / 2
2026-09-22	Unavailable	Unavailable	4 / 2
2026-09-23	Unavailable	Unavailable	4 / 2
2026-09-24	Unavailable	Unavailable	4 / 2
2026-09-25	Unavailable	Unavailable	4 / 2
2026-09-26	Unavailable	Unavailable	4 / 3
2026-09-27	Unavailable	Unavailable	4 / 3
2026-09-28	Unavailable	Unavailable	4 / 3
2026-09-29	Unavailable	Unavailable	4 / 3
2026-09-30	Unavailable	Unavailable	4 / 3
2026-10-01	Unavailable	Unavailable	4 / 3
2026-10-02	Unavailable	Unavailable	4 / 3
2026-10-03	Unavailable	Unavailable	4 / 3
2026-10-04	Unavailable	Unavailable	4 / 3
2026-10-05	Unavailable	Unavailable	4 / 3
2026-10-06	Unavailable	Unavailable	4 / 3
2026-10-07	Unavailable	Unavailable	4 / 3
2026-10-08	Unavailable	Unavailable	4 / 3
2026-10-09	Unavailable	Unavailable	4 / 3
2026-10-10	Unavailable	Unavailable	4 / 3
2026-10-11	Unavailable	Unavailable	4 / 3
2026-10-12	Unavailable	Unavailable	4 / 3
2026-10-13	Unavailable	Unavailable	4 / 3
2026-10-14	Unavailable	Unavailable	4 / 3
2026-10-15	Unavailable	Unavailable	4 / 3
2026-10-16	Unavailable	Unavailable	4 / 3
2026-10-17	Unavailable	Unavailable	4 / 3
2026-10-18	Unavailable	Unavailable	4 / 3
2026-10-19	Unavailable	Unavailable	4 / 3
2026-10-20	Unavailable	Unavailable	4 / 3
2026-10-21	Unavailable	Unavailable	4 / 3
2026-10-22	Unavailable	Unavailable	4 / 3
2026-10-23	Unavailable	Unavailable	4 / 3
2026-10-24	Unavailable	Unavailable	4 / 3

Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.

Compare required revenue and earnings

Analyst view

Monthly observations

Buy / Strong BuyHoldSell / Strong Sell

Exact monthly counts

Monthly rating snapshots · fmp. Missing snapshots are not zero.
Date	Buy*	Hold
2026-05-01	3	2
2026-06-01	3	2
2026-07-01	3	2
2026-08-01	3	2
2026-09-01	3	2
2026-10-01	3	2

*Buy includes Strong Buy; Sell includes Strong Sell. Monthly counts describe the analyst mix, not the firms behind each recent action.

Latest: 3 Buy / Strong Buy · 2 Hold · 0 Sell / Strong Sell

0 upgrades0 downgrades0 maintains

Recent actions · Sep 25–Oct 24 · 0 recorded

Price-target changes

30 days

Individual price-target observations are unavailable.

0 raises · 0 cuts · 0 unchanged · 0 without a comparable prior

How this is measured

Sep 25, 2026–Oct 24, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.

Outlook in Brief

The evidence, the remaining questions, and what comes next

What's improving

No recovery evidence is reported in the available driver assessments.

Still unresolved / key risks

Quarterly dividend increases continueDirect metric needs a verified mapping
Continued quarterly earnings beatsDirect metric needs a verified mapping
EPS at or above $0.99 in FY26Diluted EPS: $0.94 per share

Next proof point

Next earnings date unavailable

Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.

Review earnings

Bottom line

3 of 3 published conditions remain under pressure or need verification. The next results need to address those conditions.

The dated weekly assessment and its assumptions are available in Read detailed Outlook.

Historical risk context

Observed price history; separate from operating scenarios

Price sensitivity

0.7%Typical daily move · historical

Downside history

-12.8%Maximum drawdown · trailing year

Read detailed Outlook Company context, assumptions & risks

HomeTrust Bancshares, Inc. outlook in detail

The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.

Updated Oct 24, 2026

What kind of bet this is

HTB looks like a financial-sector business with a measured growth and capital-return thesis, rather than a clear turnaround or high-growth story. Its thesis state is intact this month, though recent financial performance is rated neutral and management execution is mixed.

What's priced into HomeTrust Bancshares, Inc.

Valuation is rated neutral, and the model describes expectations and the valuation driver as aligned. HTB trades at a modest premium to peers, while the low fragility rating suggests the evidence does not point to concentrated expectations risk.

What the fundamentals likely do

Near term, the recent earnings beat and rising company momentum support the operating picture, while the estimated miss risk is described as low. Management has reported loan growth and ongoing share repurchases, but the latest supplied materials do not update loan growth, and the Blue Ridge acquisition remains pending. Over the multi-year view, sector conditions are a headwind, and a guidance cut would be a meaningful setback.

What HomeTrust Bancshares, Inc. hinges on

The thesis depends on continued execution in loan growth and whether the pending Blue Ridge acquisition advances and produces results. Near term, a guidance cut or Federal Reserve rate cuts are unfavorable factors, while strong earnings and higher guidance from financial-sector peers would support sector momentum.