Is HomeTrust Bancshares, Inc. (HTB) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 40.1% | |
| Net Margin | 31.2% | |
| Return on Equity (ROE) | 11.2% | |
| Return on Assets (ROA) | 1.4% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $49M |
| Free Cash Flow | $43M |
| Total Debt | $10M |
| Total Assets | $4.5B |
Price & Trading
| Last Close | $42.44 |
| 50-Day MA | $43.06 |
| 200-Day MA | $41.09 |
| Avg Volume | 76K |
| Beta | 0.9 |
|
52-Week Range
$30.95
| |
About HomeTrust Bancshares, Inc. (HTB)
HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services in North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia. It's deposit products include savings, money market, noninterest-bearing, and interest-bearing checking accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises one-to-four-family real estate lending, multifamily, home equity lines of credit, construction and land development, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and land development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, and municipal leases, as well as cash management and online/mobile banking services. In addition, the company invests in debt securities issued by the United States government agencies and government-sponsored enterprises, municipal bonds, corporate bonds, commercial paper and certificates of deposit insured by the federal deposit insurance corporation. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.
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Frequently Asked Questions
Is HomeTrust Bancshares, Inc. (HTB) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), HomeTrust Bancshares, Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is HomeTrust Bancshares, Inc.'s debt ratio?
HomeTrust Bancshares, Inc.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are HomeTrust Bancshares, Inc.'s key financial metrics?
HomeTrust Bancshares, Inc. has a market capitalization of $734M, trailing P/E ratio of 11.3, and revenue of $212M. Return on equity stands at 11.2%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.