Community Banking / Regional Bank Holding Companies
Strategic Profile
The company focuses on providing personalized banking solutions, including commercial and retail banking, wealth management, and mortgage lending. The company has a market capitalization of $736.14 million, with a price-to-earnings ratio of 11.34.
Cyborg Score Rationale
InvestingPro analysis indicates HTB is trading at a low P/E ratio relative to near-term earnings growth with an attractive PEG ratio of 0.72, and the company has maintained profitability over the last twelve months with a return on equity of 11%. Mixed analyst sentiment reflects cautious market positioning.
Top Insights
Q4 2025 revenue of $53.90 million with net margin of 22.01% demonstrates strong operational efficiency
Consensus analyst rating is 'Moderate Buy' with mixed positioning from major research firms
Serves five-state Southeast region: North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia
Dividend yield of 1.2% with conservative payout ratio of 13.98% indicates capital preservation strategy
Named Competitors
Regional Community Banking — Multi-state community banking platforms with similar Southeast focus
Digital Banking Services — Online banking platforms disrupting traditional community bank deposits
Large Regional Banking — Major institutions competing for commercial and consumer lending
Recent Developments
(February 2026) Wall Street Zen upgraded HomeTrust Bancshares from 'sell' to 'hold' rating
(January 2026) Q4 2025 earnings of $0.93 EPS beat estimates with $53.90M quarterly revenue
(January 2026) Hovde Group downgraded from 'strong-buy' to 'hold' rating
Open the full interactive HomeTrust Bancshares, Inc. report
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