HomeTrust Bancshares (HTB)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
At a market value of $788M, HomeTrust Bancshares's free cash flow of $45M (fiscal 2025) would need to grow about 3% a year for the stock to be worth today's price. That is close to what the company has delivered over the last 9 years.
Assumes a 9% discount rate and 3% growth after year 10, on free cash flow (operating cash flow minus capital spending) from HomeTrust Bancshares's SEC filings. Change any assumption, or model revenue and margins instead, in the Modeling tab, or try your own numbers in the reverse DCF calculator.
Fundamental grade
Five factors scored 1 to 9 from HTB's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from HomeTrust Bancshares's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $10M | $150M | $188M | $203M | $213M |
| Net income | $16M | $36M | $45M | $55M | $64M |
| Free cash flow | -$7M | $33M | -$36M | $42M | $45M |
| EPS (diluted) | $0.94 | $2.23 | $2.80 | $3.20 | $3.72 |
| Operating margin | — | — | — | — | — |
Where the revenue comes from
Revenue by products, fiscal 2021. Every breakdown, year by year.
Superinvestors who own HTB
From each investor's latest 13F filing (what a 13F shows). 2 of the investors we track hold it.
| Investor | Last quarter | Value | % of portfolio | Quarter |
|---|---|---|---|---|
| Cliff Asness AQR Capital Management |
Added | $2M | 0.00% | Q2 2026 |
| Mario Gabelli GAMCO Investors |
Trimmed | $536,318 | 0.00% | Q2 2026 |
Insider buying
Open-market purchases by HomeTrust Bancshares's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
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In the full deep dive
Questions
What growth does HomeTrust Bancshares's stock price imply?
At a market value of $788M, HomeTrust Bancshares would need its free cash flow to grow about 3% a year for 10 years (discounted at 9%, 3% growth after that) to be worth today's price. Over the last 9 years its free cash flow grew 5% a year.
Are HomeTrust Bancshares insiders buying the stock?
No open-market insider purchases of HTB in the last 12 months, according to SEC Form 4 filings.
Which superinvestors own HomeTrust Bancshares?
2 of the superinvestors Investingly tracks hold HTB in their latest 13F, including Cliff Asness, Mario Gabelli.
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Prices and ratios as of Oct 11, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.