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HTB

HomeTrust BancsharesB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
The Q2 release supports a constructive operating trend: NIM expanded, loan growth accelerated, capital returns increased, and management launched Healthcare Banking. [#SEC-8K-2026-07-23]
Posture
Constructive
Lead driver
Sentiment
What changed
Sentiment remains the lead driver in the composite, 7D delta +3.8.
What can break
Analyst revisions, detailed target changes, and a verified post-print market-reaction attribution were unavailable.
Momentum
28
Value
58
Sentiment
69
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $53.00 · Bull $58.00 · Bear $45.50Analysis 2026-08-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-03 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $55.25
Why
Momentum28 · Δ7d +0.3
Value58 · Δ7d -0.0
Sentiment69 · Δ7d +3.8
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Sentiment remains the lead driver in the composite, 7D delta +3.8.

Contradictions & invalidation

  • • Analyst revisions, detailed target changes, and a verified post-print market-reaction attribution were unavailable.
  • • Credit-loss provision increased sequentially, requiring monitoring of asset quality and reserves. [#SEC-8K-2026-07-23]
  • • Sequential earnings weakened despite NIM expansion because of higher credit-loss provision, lower noninterest income, higher expenses, and the debt-redemption loss.

Catalyst clock

2026-07-23

Q2 earnings beat with stronger net interest margin

Lead driver: Sentiment · See AI snapshot
Momentum
28
9% active weight
Current posture
7d trendImproving
Δ7d
+0.3
Δ21d
-11.5
Value
58
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-4.7
Sentiment
69
62% active weight
Current posture
7d trendImproving
Δ7d
+3.8
Δ21d
+2.1
Why this grade

Composite grade B. Momentum 28.1 / Value 58.2 / Sentiment 69.3

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-03. Scenario method

B+
Bull case
25%
Probability
Target price
$58.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$53.00
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$45.50
Analysis reference price unavailable
Analysis 2026-08-03 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$797.93M
Beta
0.90
Shares Out
16.69M
P/E (TTM)
12.0
P/S (TTM)
3.57
P/FCF (TTM)
18.62
Rev YoY
-5.6%
EPS YoY
-5.6%
Gross Margin
-
Op Margin
+27.9%
Net Debt
$169.86M
Current Ratio
0.09
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data