HTB Stock Analysis: Buy, Sell, or Hold?
HTB - HomeTrust Bancshares, Inc.
$45.30
-0.61 (-1.33%)
▼
5d:
-1.69%
30d:
+1.5%
90d:
+3.07%
BUY
MODERATE Confidence
Analysis Updated: May 15, 2026 12:00 AM ET
Earnings: Jul 22, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: HTB shows positive signals but monitor for confirmation. Market pricing in 1.1% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: HTB shows positive signals but monitor for confirmation. Market pricing in 1.1% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$44.37
Based on 0.3% avg growth
INTRINSIC VALUE TODAY
$27.55
Trading above historical range
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 12.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HTB is currently trading at $45.30, which is considered fair relative to its 30-day fair value range of $44.85 to $46.09. The stock's valuation (Forward PE: 13.0) is in line with its historical norms (12.6). At these levels, the market is pricing in 1.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, HTB is in a uptrend. The price is currently testing key support at $45.01. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $50.06 (+10.5%). 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 currently testing key support at $45.01. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $50.06 (+10.5%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$44.85 -
$46.09
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
71.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($50.06)
- NEUTRAL: Market pricing in 1.1% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$44.85 -
$46.09
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$45.01
Resistance Level
$46.52
Current Trend
Uptrend
Technical data as of
May 15, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.00
Wall Street Target
$50.06
(+10.5%)
Revenue Growth (YoY)
9.3%
Earnings Growth (YoY)
17.9%
Profit Margin
31.6%
Valuation Premium vs History
+1.1% premium
PE vs Historical
13.0 vs 12.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.1%
(market-implied from PE analysis)
1-Year Target
$45.80
(+1%)
2-Year Target
$46.30
(+2%)
3-Year Target
$46.81
(+3%)
3-Yr Target (if PE normalizes)
(PE: 13→13)
PE COMPRESSION
$45.36
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.1, Growth: -3.5%)
$69.00
(+52%)
Base:
(SPY PE: 13.0, Growth: -3.5%)
$40.65
(-10%)
Bear:
(PE: 11.1, Growth: -3.5%)
$34.55
(-24%)
📈
Valuation based on Current Earnings
Trailing PE: 11.87 | Current EPS (TTM): $3.85
Bull Case
$45.50
(+0%)
Analyst growth -9.5%, PE expands to 13.1
Base Case
$41.36
(-9%)
Market implied -9.5%, PE stable at 11.9
Bear Case
$31.08
(-31%)
Severe decline -20.0%, PE contracts to 10.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: May 16, 2026 3:01 AM ET
Data refreshes hourly during market hours. Next update: 4:01 AM
Data refreshes hourly during market hours. Next update: 4:01 AM
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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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