ROARABLE
Today ⌘ Pro Terminal Big Ideas 🎲 Predictions Screener πŸ¦‹ Butterfly 8 Analysts πŸ›οΈ Policy 🎬 Video β˜… Watchlist 🎲 Prediction Markets πŸ“Š RQD Track Record πŸ“… Next Catalysts πŸ›‘οΈ Overlap & Crash X-Ray πŸ“° Live Wire πŸ‹ 13F Whales πŸ›οΈ Congress & CEO Buys πŸ† $100K Arena ⌘ Pro Terminal πŸ“ Methodology & Corrections
Stock Ratings / Financials / HTB / financials
KRNY (54) PDLB (68) NRIM (62) CFFN (63) ⌘ Pro Terminal β†’

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

$46.33 -2.03% NYSE β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $46.07

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.

πŸ“Š 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) β†’
ROARABLE C- β€’ HOLD / WATCH Cap $732.8M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on HTB Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is HTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, 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 $46.33 (-2.03% 1D, market cap $732.8M). 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 #396 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does HTB compare to KRNY and PDLB in the Financials sector?
β–Ό

Within the Financials sector (Savings Institutions), HTB carries a Roarable C- (60/100 RQD), trailing P/E of 11.6x, gross margin of β€”, and ROIC of 10.7%. By comparison, KRNY (Kearny Financial Corp) holds a D+ grade (54/100 RQD, P/E 23.0x, ROIC 3.4%, cap $592.2M) and PDLB (Ponce Financial Group Inc.) posts a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M). Among the 5-stock peer group, NRIM leads on earnings multiple (8.3x) while NRIM leads on capital efficiency (19.8% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for HTB?
β–Ό

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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $46.07 (-0.56%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 11/20 (D+) β€’ 1.1% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š 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 β€’ 53.5% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C-
025507510060
JEV AI Jury Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ Β· Rk C
Cash (11)Whales (8)SEC (13)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+0.9% Base Target
$55 Bull$47 Base$36 Bear
πŸ“¬ FREE HTB RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for HTB)Realized 20D OHLCV Swing Band: Β±4.7%
Deterministic 5-Pillar Attribution (60/100 Composite)
πŸ” WHY HTB SCORES 60/100 (C-) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy β€’ Cannibal Buyback (-2.36% YoY Shares)

β–² #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 4/9

β–Ό #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)

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
52
Grade C-$45.84+2.8% Next Q
Q2 (-2Q)
55
Grade C$47.13+0% Next Q
Q3 (-1Q)
57
Grade C$47.14-1.7% Next Q
Current
60
Grade C-$46.33+0.4% Hist 90D Ξ±
Trajectory: C- (52) β†’ C- (60)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the HTB Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

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) β€” 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 ($46.18) invalidates the momentum regime and cuts Target Base ($46.75) toward Bear Floor ($36.47).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HTBβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œHTB Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 60%NO 40%Trade / Inspect Odds β†’
VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL β€’ 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)
Revenue$4.00BGross Profit $2.08B (52%)Cost of Sales $1.92BOp Profit $0 (0%)OpEx (R&D/SG&A) $2.08BNet Profit$64.4M (1.6%)Tax/Other $0

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

β–  Revenueβ–  Net Profitβ–  Free Cash Flow
FY23
Rev $4.00B
FY24
Rev $4.00B
FY25
Rev $4.00B
Fiscal YearRevenueGross MarginOp MarginNet ProfitFree Cash FlowROIC %
FY 2025$4.00B52%0%$64.4M$45.3M10.7%
FY 2024$4.00B52%0%$54.8M$42.4M10.7%
FY 2023$4.00B52%0%$44.6M-$32.9M10.7%
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

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

  • βœ“Walkthrough of HTB's RQD Radar, SEC cash-conversion gap & downside invalidation levels
  • βœ“3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
  • βœ“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) β†’$100K Arena
HTB // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.73%β–Ό DESCENDING CHANNEL
2026-11-03O $47.29H $47.29L $46.33C $46.33VOL 99.0K
RES: $48.62SUP: $43.56SMA50: $46.79SMA200: $46.18
$53.23$50.20$47.16$44.12$41.09RES $48.62SUP $43.56$46.332026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HTB Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ HTB Butterfly Map β†’ + Track HTB β†’
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 β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HTB)

Financials Rank #396 of 1096 βš”οΈ KRNY vs HTB Full Matrix β†’

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 #396 by composite RQD confidence (60/100, grade C-) and #614 by equity capitalization ($732.8M). 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 β€” gross margin. PDLB currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) 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 β€” 10.7% -2.03% $732.8M Benchmark Subject
KRNY
Kearny Financial Corp
D+ 54/100 23.0x β€” 3.4% -1.19% $592.2M /krny-vs-htb β†’
PDLB
Ponce Financial Group Inc.
C+ 68/100 19.9x β€” 5.1% -0.84% $544.0M /pdlb-vs-htb β†’
NRIM
Northrim BanCorp Inc
C 62/100 8.3x β€” 19.8% -1.36% $530.5M /nrim-vs-htb β†’
CFFN
Capitol Federal Financial Inc.
C 63/100 15.8x β€” 6.5% -1.29% $1.06B /cffn-vs-htb β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ 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 β€”
FY2024 (FY) 2024-12-31 $0 $54.8M $45.4M $42.4M $4.60B β€”
FY2023 (FY) 2023-06-30 $0 $44.6M -$32.9M -$32.9M β€” β€”

3. HTB Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HTB stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, 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 $46.33 (-2.03% 1D, market cap $732.8M). 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 #396 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 β€”, and ROIC of 10.7%. By comparison, KRNY (Kearny Financial Corp) holds a D+ grade (54/100 RQD, P/E 23.0x, ROIC 3.4%, cap $592.2M) and PDLB (Ponce Financial Group Inc.) posts a C+ grade (68/100 RQD, P/E 19.9x, ROIC 5.1%, cap $544.0M). 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 $46.33 (-2.03% on volume of 98,992 shares), positioning the stock -0.98% below its 50-day simple moving average ($46.79) and +0.32% above its 200-day simple moving average ($46.18). Across its 52-week range of $38.82 to $52.50, HTB sits at the 54.9% percentile with a 14-day RSI of 45.7 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.7% ($44.15 to $48.51).

HTB Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS β€’ SEC EDGAR Γ— CBOE Γ— FRED

How profitable is HomeTrust Bancshares Inc. (HTB)?

In FY 2025 (10-K), HTB converted $4.0B of revenue into a 52% gross margin, 0% operating margin, and $45.3M in free cash flow (1.1% FCF margin).

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
ROARABLE RATING BRIEF β€’ RQD 60/100 (C-) βœ“ STAGE-C NUMBER FIREWALL VERIFIED

HTB β€” HomeTrust Bancshares Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5
As of: 2026-11-02T15:33:16Z

Roarable Rating Brief: What This Means to a Prospective Investor

The Roarable RQD rating is 63, grade C, labeled "Roarable Hold β€” 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.

Financial Trend

PeriodRevenueOperating IncomeNet IncomeEPSFCFCashDebt
FY 2025$0.0M$0.0M$64.4MN/A$45.3M$324.7MN/A
FY 2024$0.0M$0.0M$54.8MN/A$42.4M$279.2MN/A
FY 2023$0.0M$0.0M$44.6MN/A$-32.9MN/AN/A

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.

Recent Catalysts & News Wire Analysis

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.

Open Questions

  • 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?

HTB Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for HomeTrust Bancshares Inc. (HTB) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to HTB Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

HTB Bull vs. Bear Conversation Board β€” What's Your Call at $46.33?

πŸ‚ 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON HTB 🐻 50% BEARISH CONVICTION
1. Pick Your Side on HTB:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
RO RoarDesk_Moderator Roarable Research Desk βš–οΈ DEBATE HOST 🎯 Target: $51.07 (+8.0%)
πŸ“Œ Pinned Debate

πŸ”₯ Official Bull vs. Bear Debate: Is HTB (C β€’ RQD 63/100) a Buy at $47.29?

Welcome to the HTB (HomeTrust Bancshares Inc.) Roar Pit. Current RQD Composite is 63/100 (Roarable Hold β€” Fair / Balanced Risk-Reward) in Savings Institutions. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (πŸ‚ Bull or 🐻 Bear) and drop your price target below.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $37.83 (-20.0%)
Spot @ $47.29

Pump the brakes on HTB β€” check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on HTB, but look at what you are paying: 11.6x trailing P/E with tightening sector spreads. Unless HomeTrust Bancshares Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader πŸ‚ BULLISH 🎯 Target: $55.80 (+18.0%)
Spot @ $47.29

HTB cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on HTB, the market is fixating on short-term headline noise in Savings Institutions and ignoring the balance sheet and cash flow trajectory. At $47.29 (52-wk range $38.82 - $52.50), any beat on forward guidance forces shorts and underweight funds to chase.

LIVE TAPE SPY $752.10 -1.80% QQQ $681.09 -3.60% DIA $519.34 -1.08% IWM $279.14 -1.68% NVDA $204.64 -4.22% AAPL $344.63 -1.23% MSFT $521.91 -1.55% TSLA $399.81 -0.86% PLTR $184.11 -6.27% SOFI $16.76 -4.83% IBIT $43.35 -5.42% GLD $361.65 -3.59%