Growth remains strong (avg 100/100), but valuation is pulling the composite down (avg 90/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.3x book, reasonable for a financial
Not enough quarterly data
for a 1-year trend
Above 10% CAGR, strong compounder
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
10–15%, healthy ROE
13.5% equity/assets, well-capitalized
Hometrust Bancshares (HTB) quality: score, margins and returns
Hometrust Bancshares (HTB) scores 81/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 7 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Hometrust Bancshares (HTB) a high-quality business?+
Hometrust Bancshares scores 81 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Hometrust Bancshares's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from HTB's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Hometrust Bancshares scores well and where it falls behind.
SourceQuality score computed from the 10-Q filed 30 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 7 Aug 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
Savings Institution, Federally Chartered · Pick stocks to compare with HTB
Held by ETFs
HTB is in 30 US ETFs. The largest of them, with HTB's weight in each:
iShares Russell 2000 ETFIWM0.03%of the fund
Avantis U.S. Small Cap Value ETFAVUV0.08%of the fund
Dimensional U.S. Targeted Value ETFDFAT0.03%of the fund
Vanguard Financials Index Fund ETF SharesVFH0.01%of the fund
Spot a number that looks wrong? Check it in HTB's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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