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HomeTrust Bancshares Inc. (HTB) 12-Month Stock Forecast & Price Target Cone

$47.29 +0.68% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $47.26

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.

📊 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) →

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

EXT / AFTER-HRS: $47.26 (-0.07%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 1.1% 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-

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%

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)

Grade C-$45.71+3% Next Q

Q2 (-2Q)

Grade C$47.08+2.2% Next Q

Q3 (-1Q)

Grade C$48.10-1.7% Next Q

Current

Grade C-$47.29+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 ($46.15) invalidates the momentum regime and cuts Target Base ($47.72) toward Bear Floor ($37.22).

🎲 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 →

INTERACTIVE 12-MONTH POSITION SIMULATOR

Drag to Test Your HTB Position Size: $10,000

Shares at $47.29: 211.5 sh

$1,000$10,000$25,000$50,000$100,000

12M Bear Case FloorTarget $37.22

$7,871

$-2,129 (-21.3%)

12M Consensus BaseTarget $47.72

$10,091

+$91 (+0.9%)

12M Bull Case BreakoutTarget $56.31

$11,907

+$1,907 (+19.1%)

Wall Street Analyst Breakdown & Historical Accuracy Audit (28 Desks)

Street Historical Accuracy: 64/100

● Strong Buy / Buy: 17● Hold: 9● Sell: 2

Wall Street Firm	Stance	12M Target	1Y Accuracy	Track Grade
Morgan StanleyInstitutional Equity Desk	HOLD	$50	74%	A
Goldman SachsSector Coverage Lead	BUY	$53	69%	B
JP MorganUS Large-Cap Research	HOLD	$42	58%	C

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

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).

HTB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is HTB's 12-month stock price target?

HomeTrust Bancshares Inc. (HTB) carries a 12-month consensus base price target of $47.72 (+0.9% from $47.29), with a bull-case target of $56.31 and a bear-case floor of $37.22.

Is HTB stock a Buy, Hold, or Sell right now?

Roarable's 5-Pillar RQD Quant Engine rates HTB C- (Hold — HOLD) with an RQD Confidence score of 60/100.

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