HTB Stock Analysis: Buy, Sell, or Hold?
HTB - HomeTrust Bancshares, Inc.
$42.65
0.18 (0.42%)
▲
5d:
+2.03%
30d:
-0.42%
90d:
-1.8%
BUY
HIGH Confidence
Analysis Updated: Mar 31, 2026 12:00 AM ET
Earnings: Apr 23, 2026
22d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: HTB shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: HTB shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$43.67
Based on 0.3% avg growth
INTRINSIC VALUE TODAY
$27.11
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 12.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HTB is currently trading at $42.65, which is considered fair relative to its 30-day fair value range of $41.84 to $43.01. The stock's valuation (Forward PE: 12.2) is in line with its historical norms (12.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This pessimistic expectation contrasts with the company's recent 12.2% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, HTB is in a uptrend. The price is approaching resistance at $43.22. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HTB has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $48.17 (+13.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, HTB is in a uptrend. The price is approaching resistance at $43.22. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HTB has a strong technical setup (60/100), with favorable trendlines, momentum, and price action for short-term traders. Wall Street analysts see significant upside, with an average price target of $48.17 (+13.4%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$41.84 -
$43.01
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
81.0%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($48.17)
Fair Price Analysis
30-Day Fair Range
$41.84 -
$43.01
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$41.13
Resistance Level
$43.22
Current Trend
Uptrend
Technical data as of
Mar 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
12.19
Wall Street Target
$48.17
(+13.4%)
Revenue Growth (YoY)
-1.6%
Earnings Growth (YoY)
12.2%
Profit Margin
31.2%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
12.2 vs 12.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$42.26
(-1%)
2-Year Target
$42.05
(-1%)
3-Year Target
$41.84
(-2%)
3-Yr Target (if PE normalizes)
(PE: 12→12)
$42.56
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.4, Growth: -3.5%)
$69.88
(+65%)
Base:
(SPY PE: 12.2, Growth: -3.5%)
$38.11
(-10%)
Bear:
(PE: 10.4, Growth: -3.5%)
$32.40
(-24%)
📈
Valuation based on Current Earnings
Trailing PE: 11.15 | Current EPS (TTM): $3.72
Bull Case
$42.73
(+1%)
Analyst growth -6.3%, PE expands to 12.3
Base Case
$38.85
(-8%)
Market implied -6.3%, PE stable at 11.2
Bear Case
$28.21
(-34%)
Severe decline -20.0%, PE contracts to 9.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 12.2 to 12.4
Stabilization Target:
$43.20
(+1.7%)
PE Expansion Potential:
+1.7%
Share & Embed Analysis
Last updated: March 31, 2026 4:59 PM ET
Data refreshes hourly during market hours. Next update: 5:59 PM
Data refreshes hourly during market hours. Next update: 5:59 PM
🔥 Top Stocks Breaking Out Now
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Technical Signals Check
Is HTB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
1
Sells
Net
INSIDERS SELLING
Recent Transactions
John Francis Sprink II
SELL
2000 shares
2026-02-06
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