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

The Roarable RQD rating is 63, grade C, labeled "Roarable Hold — Fair / Balanced Risk-Reward," per the Roarable RQD rating. The five pillars are:

• Fundamental cash engine: 11 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 10.7% and an FCF yield of 6.06%. The score is mid-range, indicating reasonable but not exceptional cash generation relative to the scoring framework.
• Whale 13F flow: 10 / 20. The pillar label references institutional accumulation and options positioning. No underlying holder or options data is provided in the source data, so the score cannot be traced to specific positions.
• Insider conviction: 16 / 20. The pillar label references SEC Form 4 and Congressional PTR cluster flow. The strongest pillar score, but the underlying insider transactions are not itemized in the source data.
• Macro regime fit: 13 / 20. Per the Roarable RQD rating, beta is 1.0 with sector sensitivity noted. Market-average sensitivity is the stated profile.
• Forensic balance sheet: 13 / 20. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 4/9, and Debt/Equity is 0.5.

For a prospective investor, the composite reads as balanced: the highest-scoring pillar (insider conviction) is offset by the lowest (whale 13F flow), and the cash-engine pillar is the main constraint on upside. The verdict label itself characterizes risk-reward as fair and balanced rather than asymmetric in either direction. Valuation tradeoffs are visible in the market data (P/E of 11.6 trailing and 10.8 forward), but whether that multiple is attractive relative to the cash-engine score depends on factors this source data does not establish.

Per the SEC financials, reported net income rose from $44.6M (FY 2023) to $54.8M (FY 2024) to $64.4M (FY 2025), and free cash flow was positive in FY 2024 and FY 2025. Revenue and operating income are reported as $0.0M, and margins are reported as 0% in the market data, so margin analysis cannot be performed from source data. Per the market data, ROIC is 10.7%. Per the Roarable RQD rating, Altman Z-Score is 2.5 and Piotroski F-Score is 4/9. Per the Roarable RQD rating, Debt/Equity is 0.5; debt values in the financials are N/A.

Per the recent catalysts section, six items are listed, all tagged to HTB:

• A Yahoo Finance item on Q3 earnings and revenue estimates (YELLOW, MARKET WIRE).
• A TradingView estimates item (YELLOW, MARKET WIRE).
• A Yahoo Finance item on expected beats of earnings estimates (GREEN, CATALYST), the only green-flagged item.
• A Stock Titan item reporting that a former Bank of America North Carolina president joined the HomeTrust board (YELLOW, MARKET WIRE).
• A Simply Wall St item noting the stock "Shrugs Off Q3 Earnings Strength" (YELLOW, MARKET WIRE), which is a risk-watch framing.
• A kalkine.ca item on Q3 earnings of USD 1.11 per share (YELLOW, MARKET WIRE).

Per the butterfly supply-chain graph, supply_chain is NONE, with no butterfly links and no proprietary signals.

• What are HomeTrust's revenue and operating income figures, given that the reported values are $0.0M and margins are 0%?
• What is the EV/EBITDA, and how does the valuation compare on a cash-flow-adjusted basis?
• Which specific insider transactions and institutional positions underlie the insider conviction (16/20) and whale flow (10/20) pillar scores?
• What is the debt structure behind the Debt/Equity of 0.5 when debt values are reported as N/A?
• What drove the 52-week move to the $52.5 high versus the $38.82 low, and what are the company's core lending and deposit economics?