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HomeTrust Bancshares Inc. (HTB) — RQD Stock Rating Cockpit

$47.47 +2.46% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $47.59

HomeTrust Bancshares Inc. (HTB) carries a Roarable Rating of C- (Hold) with 60/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $732.8M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HTB Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is HTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, HomeTrust Bancshares Inc. (NYSE: HTB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $47.47 (+2.46% 1D, market cap $732.8M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, HTB ranks #397 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does HTB compare to KRNY and PDLB in the Financials sector?
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Within the Financials sector (Savings Institutions), HTB carries a Roarable C- (60/100 RQD), trailing P/E of 11.6x, gross margin of —, and ROIC of 10.7%. By comparison, KRNY (Kearny Financial Corp) holds a D+ grade (54/100 RQD, P/E 23.0x, ROIC 3.4%, cap $592.2M) and PDLB (Ponce Financial Group Inc.) posts a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HTB?
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Per HTB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001538263), HomeTrust Bancshares Inc. generated $1.91B in revenue (-1.1% YoY), $64.4M in net income, and $45.3M in free cash flow against $4.55B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $47.59 (+0.25%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 2.4% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 60/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.4% avg 90D alpha vs SPY • 53.5% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510060
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C
Cash (11)Whales (8)SEC (13)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$57 Bull$48 Base$37 Bear
📬 FREE HTB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HTB)Realized 20D OHLCV Swing Band: ±4.7%
Deterministic 5-Pillar Attribution (60/100 Composite)
🔍 WHY HTB SCORES 60/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
52
Grade C-$45.84+2.8% Next Q
Q2 (-2Q)
55
Grade C$47.13+0% Next Q
Q3 (-1Q)
57
Grade C$47.14+0.7% Next Q
Current
60
Grade C-$47.47+0.4% Hist 90D α
Trajectory: C- (52) → C- (60)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HTB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 60/100 (C-) score, HTB faces multiple-compression risk if 11.6x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($46.79) or 200D SMA ($46.18) invalidates the momentum regime and cuts Target Base ($47.90) toward Bear Floor ($37.36).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HTB• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “HTB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds →
RSI-14 MOMENTUMNEUTRAL RANGE
45.730 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.80>3.0 Fortress Safe
PIOTROSKI F-SCOREWEAK QUALITY (1–4)
4 / 99-Pt Accounting
52-WEEK LASER RANGE63% OF RANGE
L: $39$47.47H: $53
1. Money & Cash Health● MIXED
Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20
2. Big Money & Insiders● NEUTRAL
Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: C-RQD 24 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 25 / 40
MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on HTB

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
NEUTRAL (55)

10.7% ROIC with 42.0% gross margin and 6.06% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (60)

24/40 institutional & smart-money positioning score with 12/20 macro alignment.

Bull Case: Why Buyers Like HTB
  • ✓Company leadership has skin in the game with net positive insider conviction.
Bear Case: What Could Go Wrong
  • !Broader market pullbacks can still drag down strong stocks in the short run.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (HTB Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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HTB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.24%▼ DESCENDING CHANNEL
2026-11-03O $47.29H $47.47L $46.33C $47.47VOL 99.0K
RES: $48.62SUP: $43.56SMA50: $46.79SMA200: $46.18
$53.23$50.20$47.16$44.12$41.09RES $48.62SUP $43.56$47.472026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HTB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HTB Butterfly Map → + Track HTB →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
1.8%/yr Implied 5Y Growth

vs. -1.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on HTB today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HTB. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for HTB today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HTB)

Financials Rank #397 of 1097 ⚔️ KRNY vs HTB Full Matrix →

1. Head-to-Head Financials Peer Comparison (HTB vs. KRNY, PDLB, NRIM, CFFN)

Industry: Savings Institutions (33 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, HomeTrust Bancshares Inc. (HTB) ranks #397 by composite RQD confidence (60/100, grade C-) and #615 by equity capitalization ($732.8M). Within this direct 5-issuer industry benchmark cohort, NRIM leads on earnings valuation at 8.3x trailing P/E, while NRIM leads on capital efficiency and profitability with 19.8% ROIC and — gross margin. PDLB currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with HTB at 60/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
HTB ACTIVE
HomeTrust Bancshares Inc.
C- 60/100 11.6x — 10.7% +2.46% $732.8M Benchmark Subject
KRNY
Kearny Financial Corp
D+ 54/100 23.0x — 3.4% +2.63% $592.2M /krny-vs-htb →
PDLB
Ponce Financial Group Inc.
C+ 68/100 19.9x — 5.1% -0.22% $544.0M /pdlb-vs-htb →
NRIM
Northrim BanCorp Inc
C 62/100 8.3x — 19.8% +1.72% $530.5M /nrim-vs-htb →
CFFN
Capitol Federal Financial Inc.
C 63/100 15.8x — 6.5% +2.25% $1.06B /cffn-vs-htb →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001538263 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), HomeTrust Bancshares Inc. (HTB) reported GAAP revenue of $1.91B (-1.1% vs. FY2024 revenue of $1.93B , and +851.3% cumulative change since FY2023) , GAAP net income of $64.4M, operating cash flow of $49.5M, and free cash flow of $45.3M (+6.9% YoY). On the balance sheet, HTB closed FY2025 with $4.55B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.91B $64.4M $49.5M $45.3M $4.55B —
FY2024 (FY) 2024-12-31 $1.93B $54.8M $45.4M $42.4M $4.60B —
FY2023 (FY) 2023-06-30 $200.7M $44.6M -$32.9M -$32.9M — —

3. HTB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, HomeTrust Bancshares Inc. (NYSE: HTB) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 60/100 at a spot price of $47.47 (+2.46% 1D, market cap $732.8M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, HTB ranks #397 in composite RQD confidence.

How does HTB compare to KRNY and PDLB in the Financials sector?

Within the Financials sector (Savings Institutions), HTB carries a Roarable C- (60/100 RQD), trailing P/E of 11.6x, gross margin of —, and ROIC of 10.7%. By comparison, KRNY (Kearny Financial Corp) holds a D+ grade (54/100 RQD, P/E 23.0x, ROIC 3.4%, cap $592.2M) and PDLB (Ponce Financial Group Inc.) posts a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HTB?

Per HTB's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001538263), HomeTrust Bancshares Inc. generated $1.91B in revenue (-1.1% YoY), $64.4M in net income, and $45.3M in free cash flow against $4.55B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HTB trading relative to its 50-day, 200-day, and 52-week technical levels?

HTB last traded at $47.47 (+2.46% on volume of 109,263 shares), positioning the stock +1.45% above its 50-day simple moving average ($46.79) and +2.79% above its 200-day simple moving average ($46.18). Across its 52-week range of $38.82 to $52.50, HTB sits at the 63.2% percentile with a 14-day RSI of 45.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.7% ($45.24 to $49.70).

Direct Sub-Reports: HTB RQD Cockpit HTB 12M Forecast HTB Earnings & Move HTB Dividends & DRIP HTB Insiders & 13F HTB Whale Options HTB Profit Sankey HTB News & Why
ROARABLE RATING BRIEF • RQD 60/100 (C-) ✓ SEC XBRL & RQD VERIFIED

HTB — HomeTrust Bancshares Inc.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

HomeTrust Bancshares Inc. (HTB) earns a live Roarable RQD composite score of 60/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $47.47 (+2.46% 1D, market capitalization $732.8M).

  • Fundamental Cash Engine (11/20): Anchored by return on invested capital (ROIC) of 10.7%, gross margin of —, operating margin of —, and free cash flow yield of 6.06%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 4/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

HomeTrust Bancshares Inc. Is a NYSE-listed issuer in the Financials sector, Savings Institutions industry. The profile does not describe its products, customer base, or revenue mechanics.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), HomeTrust Bancshares Inc. (HTB) reported $1.91B in annual revenue (up from $1.93B in FY2024, -1.1% YoY) and $64.4M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($200.7M revenue, $44.6M net income) through FY2025, HTB scaled operating cash flow to $49.5M and free cash flow to $45.3M, backed by $4.55B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 60/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 6.06% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 11/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $38.82 – $52.50 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 11.6x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Savings Institutions (Financials), HTB carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can HTB sustain or expand its — operating margin and 10.7% ROIC against Savings Institutions peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.91B and free cash flow of $45.3M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is HTB's 10.8x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

HTB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for HomeTrust Bancshares Inc. (HTB) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to HTB Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HTB Bull vs. Bear Conversation Board — What's Your Call at $47.47?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HTB 🐻 33% BEARISH CONVICTION
1. Pick Your Side on HTB:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
DE DeepValue_CFA RQD DEBATE OPENER • Institutional Buy-Side 🐂 BULLISH 🎯 Target: $54.21 (+17.0%)
📌 Pinned Debate

Net income grew from $44.6M to $64.4M across FY 2023–FY 2025 while trading at 11.6x trailing earnings and 10.8x forward earnings.

The street is overcomplicating HomeTrust Bancshares Inc. (HTB). Net income grew from $44.6M to $64.4M across FY 2023–FY 2025 while trading at 11.6x trailing earnings and 10.8x forward earnings.. With an RQD score of 60/100 (C-) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $50.04.

EarningsSniper 🐂 BULL

@RedlineAuditor Shorting a 8/20 institutional whale-flow stock at $46.33 is dangerous when funds are rotating into Financials.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $34.75 (-25.0%)
Spot @ $46.33

Valuation & margin reality check on HTB at $46.33 before chasing here

Sitting on the sidelines or leaning short HTB above $46.33. Valuation & margin reality check on HTB at $46.33 before chasing here. Until Fundamental Cash Engine (11/20) and FCF yield (6.06%) inflect higher, upside is capped near $52.50.

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