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HomeTrust Bancshares, Inc.

HTB · Financials · Bank · FY2025 filings ·

Scored by the financial-sector model

56FY2025 filing
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HomeTrust Bancshares, Inc. is a bank, scored by a separate financial-sector model — not the operating Moat Score you’ll see on other companies. A bank or insurer is a balance-sheet business the margin-and-ROIC lens doesn’t fit, so it’s read through the components below instead. The two models are calibrated differently and are not comparable: a financial-sector score is never ranked against, sorted with, or averaged into an operating Moat Score. How the models work.

Insider activity

Form 4 reports mix P/S market or private transactions with compensation-plan mechanics. Activity casually described as “insider selling” can include compensation mechanics; awards, tax withholding, and option exercises are shown by their exact filed class here, never collapsed into “Bought” or “Sold.”

These are disclosed filing facts and arithmetic aggregates, not a signal or verdict.

This machine-readable surface covers SEC ownership filings from 2003; it does not represent earlier paper-era records.

Records still being gathered — partial as of retrieval Aug 3, 2026.

Among the rows shown, A/F/M acquisition, payment or withholding, and exercise or conversion rows outnumber S sale rows (2 versus 1). The filing codes alone do not establish that every such row arose from a compensation plan.

Trailing-12-month totals and the 90-day cluster result are withheld because this issuer walk is incomplete.

InsiderShares owned afterDateFiling detail
KENDALL LAURA CDirectorExercise or conversion of derivative security (M)Table I · Acquired · Common Stock · 1 paired event10,000$24.95$249,50034,229Jul 30, 2026
1 filed lot
  • Table I · Common Stock: 10,000 shares at $24.95 · code M · owned after 34,229 · Paired event: 10,000 Stock Option → 10,000 Common Stock ·
KENDALL LAURA CDirectorOpen-market or private sale (S)Table I · Disposed · Common Stock10,000$51.1348$511,34824,229Jul 30, 2026
1 filed lot
  • Table I · Common Stock: 10,000 shares at $51.1348 · code S · owned after 24,229 ·
KENDALL LAURA CDirectorExercise or conversion of derivative security (M)Table II · Disposed · Stock Option · 1 paired event10,000—Exercise or conversion of derivative security (M)—0Jul 30, 2026
1 filed lot
  • Table II · Stock Option: 10,000 shares at — (Exercise or conversion of derivative security (M)) · code M · owned after 0 · Paired event: 10,000 Stock Option → 10,000 Common Stock ·

Source-event as of . Retrieved .

Visual explainers

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What the financial-sector model scores (bank)

27

Median ROE 6.6% on average equity, above the 10% hurdle in 33% of 9 years.

80

Q3 scored 2 evidenced ratios equally; reserve score is unadjusted for Q4 and capped at 70.

68

Profitable in 100% of 10 years, ROE volatile.

82

Net interest income is 3.13% of average assets, steady over 9 years through FY2025.

Not scored for this company

Canonical split-adjusted share history is incomplete; no book-value trend claim is made.
Underwriting applies to insurance carriers; not part of the bank model.

Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.

Fundamentals

The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.

Financial-sector score history

Reading
Aug 3, 202656
Jul 26, 202658
Jul 26, 202658

Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.

Scored from primary SEC filings via the public financial-sector methodology. Educational only — not a recommendation to buy or sell HTB. See the disclaimer.