HomeTrust Bancshares (HTB) Stock: Buy, Sell, or Hold?
HTB - HomeTrust Bancshares, Inc.
$48.12
0.76 (1.60%)
▲
5d:
+3.51%
30d:
+6.44%
90d:
-1.19%
WAIT
LOW Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 28, 2026
4d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 MIXED SIGNALS: HTB shows conflicting indicators. Wait for confirmation before entering.
📊 MIXED SIGNALS: HTB shows conflicting indicators. Wait for confirmation before entering.
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 $48.12, which is considered extended relative to its 30-day fair value range of $45.75 to $47.28. The stock's valuation (Forward PE: 13.8) is in line with its historical norms (13.2). At these levels, the market is pricing in 1.5% annual earnings growth.
Technical Outlook: Technically, HTB is in a downtrend. The price is approaching resistance at $48.22. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 53/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $55.25 (+14.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, HTB is in a downtrend. The price is approaching resistance at $48.22. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 53/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $55.25 (+14.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
EXTENDED
Historical Trading Range
$45.75 -
$47.28
Company Quality Score
45/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
51.9%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Mixed technical signals (53/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($55.25)
- BULLISH: Expecting earnings turnaround to 1.5% growth with -1.0% revenue growth
- WARNING: Composite score 45/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$45.75 -
$47.28
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$45.17
Resistance Level
$48.22
Current Trend
Downtrend
Technical data as of
Oct 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.81
Wall Street Target
$55.25
(+14.8%)
Revenue Growth (YoY)
-1.0%
Earnings Growth (YoY)
-6.0%
Profit Margin
30.9%
Valuation Premium vs History
+1.5% premium
PE vs Historical
13.8 vs 13.2
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.5%
(market-implied from PE analysis)
1-Year Target
$48.84
(+2%)
2-Year Target
$49.57
(+3%)
3-Year Target
$50.32
(+5%)
3-Yr Target (if PE normalizes)
(PE: 14→13)
PE COMPRESSION
$48.09
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: -3.5%)
$62.09
(+29%)
Base:
(SPY PE: 13.8, Growth: -3.5%)
$43.18
(-10%)
Bear:
(PE: 11.7, Growth: -3.5%)
$36.71
(-24%)
📈
Valuation based on Current Earnings
Trailing PE: 11.93 | Current EPS (TTM): $3.97
Bull Case
$45.72
(-5%)
Analyst growth -12.2%, PE expands to 13.1
Base Case
$41.56
(-14%)
Market implied -12.2%, PE stable at 11.9
Bear Case
$32.20
(-33%)
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: October 22, 2026 11:04 PM ET
Data refreshes hourly during market hours. Next update: 12:04 AM
Data refreshes hourly during market hours. Next update: 12:04 AM
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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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