HTB Stock Analysis: Buy, Sell, or Hold?
HTB - HomeTrust Bancshares, Inc.
$51.19
0.03 (0.06%)
▲
5d:
+5.11%
30d:
+0.77%
90d:
+12.09%
BUY
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 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 4.1% growth. Moderate conviction.
💡 BUY OPPORTUNITY: HTB shows positive signals but monitor for confirmation. Market pricing in 4.1% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$45.78
Based on 0.3% avg growth
INTRINSIC VALUE TODAY
$28.43
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 13.0x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HTB is currently trading at $51.19, which is considered extended relative to its 30-day fair value range of $48.33 to $50.32. From a valuation perspective, the stock is trading at a premium (Forward PE: 14.7) compared to its historical average (13.0). At these levels, the market is pricing in 4.1% annual earnings growth.
Technical Outlook: Technically, HTB is in a strong uptrend. The price is approaching resistance at $52.02. 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 (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, HTB is in a strong uptrend. The price is approaching resistance at $52.02. 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 (75/100), with favorable trendlines, momentum, and price action for short-term traders. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$48.33 -
$50.32
Company Quality Score
57/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
60.5%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($52.94)
- BULLISH: Expecting earnings turnaround to 4.1% growth with 1.0% revenue growth
Trading Range Analysis
30-Day Trading Range
$48.33 -
$50.32
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$47.17
Resistance Level
$52.02
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
14.69
Wall Street Target
$52.94
(+3.4%)
Revenue Growth (YoY)
1.0%
Earnings Growth (YoY)
-6.0%
Profit Margin
30.8%
Valuation Premium vs History
+4.1% premium
PE vs Historical
14.7 vs 13.0
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.1%
(market-implied from PE analysis)
1-Year Target
$53.29
(+4%)
2-Year Target
$55.47
(+8%)
3-Year Target
$57.75
(+13%)
3-Yr Target (if PE normalizes)
(PE: 15→13)
PE COMPRESSION
$51.09
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: -3.5%)
$64.81
(+27%)
Base:
(SPY PE: 14.7, Growth: -3.5%)
$45.94
(-10%)
Bear:
(PE: 12.5, Growth: -3.5%)
$39.05
(-24%)
📈
Valuation based on Current Earnings
Trailing PE: 13.43 | Current EPS (TTM): $3.81
Bull Case
$51.46
(+1%)
Analyst growth -8.6%, PE expands to 14.8
Base Case
$46.78
(-9%)
Market implied -8.6%, PE stable at 13.4
Bear Case
$34.79
(-32%)
Severe decline -20.0%, PE contracts to 11.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 1:29 AM ET
Data refreshes hourly during market hours. Next update: 2:29 AM
Data refreshes hourly during market hours. Next update: 2:29 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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