HTB Stock Analysis: Buy, Sell, or Hold?
HTB - HomeTrust Bancshares, Inc.
$46.70
-0.01 (-0.02%)
▼
5d:
-6.56%
30d:
-3.67%
90d:
-0.04%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Oct 22, 2026
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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
$46.13
Based on 0.3% avg growth
INTRINSIC VALUE TODAY
$28.64
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 13.1x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HTB is currently trading at $46.70, which is considered oversold relative to its 30-day fair value range of $47.97 to $51.05. The stock's valuation (Forward PE: 13.4) is in line with its historical norms (13.1). At these levels, the market is pricing in 0.6% annual earnings growth.
Technical Outlook: Technically, HTB is in a strong uptrend. The price is currently testing key support at $46.24. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: HTB scores 15/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $54.75 (+17.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, HTB is in a strong uptrend. The price is currently testing key support at $46.24. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: HTB scores 15/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $54.75 (+17.2%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
OVERSOLD
Historical Trading Range
$47.97 -
$51.05
Company Quality Score
43/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BULLISH: Price oversold vs 30-day range
- BEARISH: Weak technical setup (15/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($54.75)
- BULLISH: Expecting earnings turnaround to 0.6% growth with -1.0% revenue growth
- WARNING: Composite score 43/100 in the bottom quintile — this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$47.97 -
$51.05
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$46.24
Resistance Level
$50.74
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.40
Wall Street Target
$54.75
(+17.2%)
Revenue Growth (YoY)
-1.0%
Earnings Growth (YoY)
-6.0%
Profit Margin
30.9%
Valuation Premium vs History
+0.6% premium
PE vs Historical
13.4 vs 13.1
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.6%
(market-implied from PE analysis)
1-Year Target
$46.98
(+1%)
2-Year Target
$47.26
(+1%)
3-Year Target
$47.55
(+2%)
3-Yr Target (if PE normalizes)
(PE: 13→13)
PE COMPRESSION
$46.47
(-1%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: -3.5%)
$62.75
(+34%)
Base:
(SPY PE: 13.4, Growth: -3.5%)
$41.91
(-10%)
Bear:
(PE: 11.4, Growth: -3.5%)
$35.62
(-24%)
📈
Valuation based on Current Earnings
Trailing PE: 12.36 | Current EPS (TTM): $3.78
Bull Case
$47.36
(+1%)
Analyst growth -7.8%, PE expands to 13.6
Base Case
$43.05
(-8%)
Market implied -7.8%, PE stable at 12.4
Bear Case
$31.76
(-32%)
Severe decline -20.0%, PE contracts to 10.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 5:04 AM ET
Data refreshes hourly during market hours. Next update: 6:04 AM
Data refreshes hourly during market hours. Next update: 6:04 AM
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| Ticker | Score | Recommendation | Change % |
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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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