Stock Ratings / Financials / HTB / financials

KRNY (52) PDLB (65) NRIM (77) CFFN (70) ⌘ Pro Terminal →

HomeTrust Bancshares Inc. (HTB) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$47.29 +0.68% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

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 $747.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C-

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

Each axis scored 0–20

12M PRICE TARGET CONE+0.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HTB)Realized 20D OHLCV Swing Band: ±4.9%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How HTB Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$45.3M (1.1% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.00B

FY24

Rev $4.00B

FY25

Rev $4.00B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$4.00B	52%	0%	$64.4M	$45.3M	10.7%
FY 2024	$4.00B	52%	0%	$54.8M	$42.4M	10.7%
FY 2023	$4.00B	52%	0%	$44.6M	-$32.9M	10.7%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring HTB)

✓Walkthrough of HTB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HTB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +3.55%▼ DESCENDING CHANNEL

2026-10-30O $47.51H $47.51L $46.20C $47.29VOL 99.0K

RES: $48.53SUP: $43.66SMA50: $46.79SMA200: $46.15

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

1.8%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

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 #503 of 1096 ⚔️ 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 1096 tracked Financials securities in the Roarable RQD universe, HomeTrust Bancshares Inc. (HTB) ranks #503 by composite RQD confidence (60/100, grade C-) and #613 by equity capitalization ($747.9M). 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. NRIM currently holds the highest overall quantitative score in the immediate peer group at 77/100 (B+) 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%	+0.68%	$747.9M	Benchmark Subject
KRNY Kearny Financial Corp	D+	52/100	23.0x	—	3.4%	+0.11%	$599.3M	/krny-vs-htb →
PDLB Ponce Financial Group Inc.	C	65/100	19.9x	—	5.1%	+1.21%	$548.6M	/pdlb-vs-htb →
NRIM Northrim BanCorp Inc	B+	77/100	8.3x	—	19.8%	+0.83%	$537.9M	/nrim-vs-htb →
CFFN Capitol Federal Financial Inc.	B-	70/100	15.8x	—	6.5%	+1.67%	$1.07B	/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 $0 (N/A vs. FY2024 revenue of $0 ) , 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	$0	$64.4M	$49.5M	$45.3M	$4.55B	—
FY2024 (FY)	2024-12-31	$0	$54.8M	$45.4M	$42.4M	$4.60B	—
FY2023 (FY)	2023-06-30	$0	$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 2026-11-01, 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 $47.29 (+0.68% 1D, market cap $747.9M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, HTB ranks #503 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 (52/100 RQD, P/E 23.0x, ROIC 3.4%, cap $599.3M) and PDLB (Ponce Financial Group Inc.) posts a C grade (65/100 RQD, P/E 19.9x, ROIC 5.1%, cap $548.6M). 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 $0 in revenue, $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 $47.29 (+0.68% on volume of 77,449 shares), positioning the stock +1.07% above its 50-day simple moving average ($46.79) and +2.47% above its 200-day simple moving average ($46.15). Across its 52-week range of $38.82 to $52.50, HTB sits at the 61.9% percentile with a 14-day RSI of 44.7 (NEUTRAL RANGE) and an implied next-earnings move of ±4.9% ($44.97 to $49.61).