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HTB

HomeTrust BancsharesB
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Q3 EPS exceeded the $0.88 Zacks consensus by $0.23, while margin expanded sequentially and repurchases accelerated. Successful Blue Ridge integration could add scale, but the company’s projected accretion depends on achieving future cost savings.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +0.1.
What can break
Blue Ridge closing requires regulatory and shareholder approvals; projected savings, EPS accretion and tangible-book earn-back may differ from estimates. SEC-filed merger announcement
Momentum
57
Value
57
Sentiment
59
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $53.00 · Bull $60.00 · Bear $38.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $55.25
Why
Momentum57 · Δ7d +4.1
Value57 · Δ7d +0.1
Sentiment59 · Δ7d -4.6
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +0.1.

Contradictions & invalidation

  • • Blue Ridge closing requires regulatory and shareholder approvals; projected savings, EPS accretion and tangible-book earn-back may differ from estimates. SEC-filed merger announcement
  • • Deposit costs, loan credit quality and reserve needs could offset the recent margin and provision improvement; the Q3 provision was $805,000 versus $920,000 in Q2. [#SEC-8K-2026-10-21]
  • • A $1.9 million tax benefit helped reported Q3 earnings; merger expenses have begun, and the transaction carries approval, integration and tangible-book-dilution risks.

Catalyst clock

2026-11-06

Third-quarter earnings follow-through

Lead driver: Value · See fundamentals
Momentum
57
8% active weight
Current posture
7d trendSoftening
Δ7d
+4.1
Δ21d
+1.9
Value
57
47% active weight
Current posture
7d trendFlat
Δ7d
+0.1
Δ21d
-0.4
Sentiment
59
45% active weight
Current posture
7d trendSoftening
Δ7d
-4.6
Δ21d
-18.3
Why this grade

Composite grade B. Momentum 57.0 / Value 57.0 / Sentiment 59.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
0%
Probability
Target price
$60.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
1%
Probability
Target price
$53.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
0%
Probability
Target price
$38.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$802.94M
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 2026-10-23 • Updated nightlySource: Internal modelMethods & Data