HomeTrust Bancshares (HTB) Stock: Buy, Sell, or Hold?
HTB - HomeTrust Bancshares, Inc.
$46.59
0.50 (1.08%)
▲
5d:
+0.87%
30d:
-0.96%
90d:
-5.71%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 28, 2026
25d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: HTB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: HTB shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$46.49
Based on 0.3% avg growth
INTRINSIC VALUE TODAY
$28.86
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 13.2x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HTB is currently trading at $46.59, which is considered fair relative to its 30-day fair value range of $45.96 to $47.70. The stock's valuation (Forward PE: 13.4) is in line with its historical norms (13.2). At these levels, the market is pricing in 0.5% annual earnings growth.
Technical Outlook: Technically, HTB is showing sideways momentum. The price is approaching resistance at $47.41. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HTB scores 72/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $55.25 (+18.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, HTB is showing sideways momentum. The price is approaching resistance at $47.41. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HTB scores 72/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $55.25 (+18.6%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$45.96 -
$47.70
Company Quality Score
60/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
84.3%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (72/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($55.25)
- BULLISH: Expecting earnings turnaround to 0.5% growth with -1.0% revenue growth
- CAUTION: Bottoming setup, but lagging the sector by 15% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$45.96 -
$47.70
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$44.93
Resistance Level
$47.41
Current Trend
Sideways
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.37
Wall Street Target
$55.25
(+18.6%)
Revenue Growth (YoY)
-1.0%
Earnings Growth (YoY)
-6.0%
Profit Margin
30.9%
Valuation Premium vs History
+0.5% premium
PE vs Historical
13.4 vs 13.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.5%
(market-implied from PE analysis)
1-Year Target
$46.82
(+1%)
2-Year Target
$47.06
(+1%)
3-Year Target
$47.29
(+2%)
3-Yr Target (if PE normalizes)
(PE: 13→13)
PE COMPRESSION
$46.68
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: -3.5%)
$63.78
(+37%)
Base:
(SPY PE: 13.4, Growth: -3.5%)
$41.81
(-10%)
Bear:
(PE: 11.4, Growth: -3.5%)
$35.54
(-24%)
📈
Valuation based on Current Earnings
Trailing PE: 12.03 | Current EPS (TTM): $3.83
Bull Case
$46.12
(-1%)
Analyst growth -9.0%, PE expands to 13.2
Base Case
$41.93
(-10%)
Market implied -9.0%, PE stable at 12.0
Bear Case
$31.34
(-33%)
Severe decline -20.0%, PE contracts to 10.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 6:40 PM ET
Data refreshes hourly during market hours. Next update: 7:40 PM
Data refreshes hourly during market hours. Next update: 7:40 PM
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Technical Signals Check
Is HTB showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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