HTB Stock Analysis: Buy, Sell, or Hold?
HTB - HomeTrust Bancshares, Inc.
$49.05
0.23 (0.47%)
▲
5d:
-0.73%
30d:
+3.26%
90d:
+7.68%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 28, 2026
14d
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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 2.9% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: HTB shows positive signals but monitor for confirmation. Market pricing in 2.9% 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
$45.43
Based on 0.3% avg growth
INTRINSIC VALUE TODAY
$28.21
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 12.9x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HTB is currently trading at $49.05, which is considered slightly high relative to its 30-day fair value range of $47.50 to $49.36. The stock's valuation (Forward PE: 14.1) is in line with its historical norms (12.9). At these levels, the market is pricing in 2.9% 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 strong uptrend. The price is approaching resistance at $48.08. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. 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 $48.08. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$47.50 -
$49.36
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
61.4%
All Signals
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($51.81)
- NEUTRAL: Market pricing in 2.9% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$47.50 -
$49.36
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$45.75
Resistance Level
$48.08
Current Trend
Strong Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
14.08
Wall Street Target
$51.81
(+5.6%)
Revenue Growth (YoY)
9.3%
Earnings Growth (YoY)
17.9%
Profit Margin
31.6%
Valuation Premium vs History
+2.9% premium
PE vs Historical
14.1 vs 12.9
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.9%
(market-implied from PE analysis)
1-Year Target
$50.47
(+3%)
2-Year Target
$51.94
(+6%)
3-Year Target
$53.44
(+9%)
3-Yr Target (if PE normalizes)
(PE: 14→13)
PE COMPRESSION
$48.97
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: -3.5%)
$68.10
(+39%)
Base:
(SPY PE: 14.1, Growth: -3.5%)
$44.02
(-10%)
Bear:
(PE: 12.0, Growth: -3.5%)
$37.42
(-24%)
📈
Valuation based on Current Earnings
Trailing PE: 12.37 | Current EPS (TTM): $3.89
Bull Case
$47.42
(-3%)
Analyst growth -10.4%, PE expands to 13.6
Base Case
$43.11
(-12%)
Market implied -10.4%, PE stable at 12.4
Bear Case
$32.73
(-33%)
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: July 13, 2026 5:47 PM ET
Data refreshes hourly during market hours. Next update: 6:47 PM
Data refreshes hourly during market hours. Next update: 6:47 PM
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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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