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HTB vs RBCAA
Which Stock Would AI Choose? HomeTrust Bancshares (HTB) vs. Republic Bancorp (RBCAA) Stock Comparison
Key Takeaways
- HomeTrust Bancshares (HTB) trades at a lower valuation with a top-quartile net interest margin, while Republic Bancorp (RBCAA) carries a richer multiple supported by stronger recent momentum.
- Republic Bancorp has delivered notably stronger trailing returns, with a 52-week gain well above HomeTrust's, reflecting superior earnings growth and business diversification.
- HomeTrust offers a more conservative, geographically concentrated community-banking profile, whereas Republic operates across five distinct business segments, including warehouse lending and tax refund solutions.
- Both are profitable regional banks with expanding net interest margins, but their return profiles, dividend yields, and risk exposures differ meaningfully.
- Analyst sentiment on HTB skews positive ("Buy" consensus), while RBCAA has more limited sell-side coverage and mixed recent rating actions.
Introduction
Regional banks have re-entered investors' focus as net interest margins stabilize and asset quality holds up across the sector. This stock comparison examines two distinctly positioned financial institutions: HomeTrust Bancshares, Inc. (HTB), an Asheville, North Carolina-based community bank, and Republic Bancorp, Inc. (RBCAA), a diversified Louisville, Kentucky-based financial holding company. Although both operate in the banking industry, their business models, growth drivers, and market positioning differ in ways that matter for traders assessing relative performance. This comparison is most relevant to investors evaluating community-bank value against a more diversified, higher-growth banking franchise in the current rate and credit environment.
HTB Overview and Recent Performance
HomeTrust Bancshares is the holding company for HomeTrust Bank, providing retail and commercial banking services across the Southeast. Its loan book spans residential real estate, commercial real estate, construction and land development, indirect auto finance, and specialized healthcare banking. Recent market activity has been relatively measured; the stock has posted a roughly double-digit 52-week advance, supported by a notable strength in its net interest margin (NIM), which reached approximately 4.31% in its most recent quarter — a level management described as top-quartile. Profitability has held up, with return on assets (ROA) in the 1.4%–1.6% range. The company has also accelerated share repurchases and raised its quarterly dividend, signaling confidence in capital generation. Recent regulatory filings include activity related to a business combination, a development that has drawn additional attention to the name in recent weeks.
RBCAA Overview and Recent Performance
Republic Bancorp is the parent of Republic Bank & Trust Company, operating through five segments: Traditional Banking, Warehouse Lending, Tax Refund Solutions, Republic Payment Solutions, and Republic Credit Solutions. This diversification — particularly the warehouse lending business, which provides short-term credit to mortgage bankers — gives the company revenue streams beyond a conventional community bank. Republic has posted record-setting results, including its strongest second quarter in company history and record full-year net income. That momentum is reflected in relative performance: the stock's 52-week gain of roughly 28% has outpaced HomeTrust's advance. The company's ROA of approximately 1.8% and a forward yield near 2.2% underscore both efficiency and a shareholder-friendly capital return policy, supported by a dividend-increase streak spanning nearly three decades.
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Head-to-Head Comparison
The clearest contrast between these two banks lies in scale, diversification, and market positioning. Republic Bancorp is the larger franchise by market capitalization, and its five-segment model — especially warehouse lending and tax refund solutions — introduces cyclical and seasonal revenue drivers absent from HomeTrust's more traditional profile. HomeTrust, by comparison, is a focused community bank whose performance hinges more directly on regional loan growth and net interest margin expansion in the Southeast.
On valuation, HomeTrust trades at a lower price-to-earnings ratio and a slimmer dividend yield, while Republic commands a premium multiple justified by faster earnings growth and a more diversified revenue base. Risk profiles also differ: Republic's tax refund and consumer credit solutions segments carry higher credit and seasonal risk, whereas HomeTrust's exposure is more conventional commercial and residential lending. Recent momentum clearly favors Republic, while analyst coverage and a "Buy" consensus currently lean toward HomeTrust — a trade-off investors weighing relative performance will want to consider carefully.
Tickeron AI Verdict
Based on observable factors, Tickeron's AI would likely lean toward RBCAA in the current environment. Republic Bancorp demonstrates stronger and more consistent trend momentum, superior return on assets, record earnings, and a more diversified earnings base that can cushion sector-wide pressures. HomeTrust's lower valuation, improving net interest margin, and favorable analyst consensus keep it a credible contender, and its business-combination activity could serve as a catalyst. However, on a relative basis combining trend consistency, growth, and stability, the balance of evidence presently tilts in Republic Bancorp's favor — a probabilistic assessment rather than a certainty.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is HTB is a Buy and RBCAA is a Buy.
Aroon Indicator for HTB shows an upward move is likely
HTB's Aroon Indicator triggered a bullish signal on November 05, 2026. Tickeron's A.I.dvisor detected that the AroonUp green line is above 70 while the AroonDown red line is below 30. When the up indicator moves above 70 and the down indicator remains below 30, it is a sign that the stock could be setting up for a bullish move. Traders may want to buy the stock or look to buy calls options. A.I.dvisor looked at 214 similar instances where the Aroon Indicator showed a similar pattern. In 146 of the 214 cases, the stock moved higher in the days that followed. This puts the odds of a move higher at 68%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on November 09, 2026. You may want to consider a long position or call options on HTB as a result. In 54 of 81 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 67%.
HTB moved above its 50-day moving average on November 02, 2026 date and that indicates a change from a downward trend to an upward trend.
The 10-day moving average for HTB crossed bullishly above the 50-day moving average on October 26, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 5 of 12 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 42%.
Following a +1.15% 3-day Advance, the price is estimated to grow further. Considering data from situations where HTB advanced for three days, in 162 of 277 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 27 of 58 cases where HTB's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 47%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where HTB declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 60%.
HTB broke above its upper Bollinger Band on October 22, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 31 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron PE Growth Rating for this company is 32 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 33 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron Price Growth Rating for this company is 49 (best 1 - 100 worst), indicating fairly steady price growth. HTB’s price grows at a lower rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 90 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.293) is normal, around the industry mean (1.262). P/E Ratio (12.203) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (4.120) is also within normal values, averaging (1.194). Dividend Yield (0.013) settles around the average of (0.035) among similar stocks. P/S Ratio (3.656) is also within normal values, averaging (3.740).
RBCAA's MACD Histogram just turned positive
The Moving Average Convergence Divergence (MACD) for RBCAA turned positive on October 22, 2026. Looking at past instances where RBCAA's MACD turned positive, the stock continued to rise in 31 of 45 cases over the following month. The odds of a continued upward trend are 69%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Stochastic Oscillator demonstrated that the ticker has stayed in the oversold zone for 1 day, which means it's wise to expect a price bounce in the near future.
Following a +1.74% 3-day Advance, the price is estimated to grow further. Considering data from situations where RBCAA advanced for three days, in 167 of 287 cases, the price rose further within the following month. The odds of a continued upward trend are 58%.
RBCAA may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
Bearish Trend Analysis
The Momentum Indicator moved below the 0 level on November 05, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on RBCAA as a result. In 49 of 82 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 60%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where RBCAA declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 54%.
The Aroon Indicator for RBCAA entered a downward trend on October 23, 2026. This could indicate a strong downward move is ahead for the stock. Traders may want to consider selling the stock or buying put options.
Fundamental Analysis (Ratings)
The Tickeron Profit vs. Risk Rating rating for this company is 8 (best 1 - 100 worst), indicating low risk on high returns. The average Profit vs. Risk Rating rating for the industry is 56, placing this stock better than average.
The Tickeron PE Growth Rating for this company is 13 (best 1 - 100 worst), pointing to outstanding earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron SMR rating for this company is 20 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 45 (best 1 - 100 worst), indicating steady price growth. RBCAA’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Seasonality Score of 50 (best 1 - 100 worst) indicates that the company is fair valued in the industry. The Tickeron Seasonality score describes the variance of predictable price changes around the same period every calendar year. These changes can be tied to a specific month, quarter, holiday or vacation period, as well as a meteorological or growing season.
The Tickeron Valuation Rating of 89 (best 1 - 100 worst) indicates that the company is significantly overvalued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (1.543) is normal, around the industry mean (1.262). P/E Ratio (13.858) is within average values for comparable stocks, (13.480). Projected Growth (PEG Ratio) (2.290) is also within normal values, averaging (1.194). Dividend Yield (0.022) settles around the average of (0.035) among similar stocks. P/S Ratio (4.630) is also within normal values, averaging (3.740).
HTB | RBCAA | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 90 | 62 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 90 Overvalued | 89 Overvalued | |
PROFIT vs RISK RATING 1..100 | 33 | 8 | |
SMR RATING 1..100 | 31 | 20 | |
PRICE GROWTH RATING 1..100 | 49 | 45 | |
P/E GROWTH RATING 1..100 | 32 | 13 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
RBCAA's Valuation (89) in the Regional Banks industry is in the same range as HTB (90) in the Savings Banks industry. This means that RBCAA’s stock grew similarly to HTB’s over the last 12 months.
RBCAA's Profit vs Risk Rating (8) in the Regional Banks industry is in the same range as HTB (33) in the Savings Banks industry. This means that RBCAA’s stock grew similarly to HTB’s over the last 12 months.
RBCAA's SMR Rating (20) in the Regional Banks industry is in the same range as HTB (31) in the Savings Banks industry. This means that RBCAA’s stock grew similarly to HTB’s over the last 12 months.
RBCAA's Price Growth Rating (45) in the Regional Banks industry is in the same range as HTB (49) in the Savings Banks industry. This means that RBCAA’s stock grew similarly to HTB’s over the last 12 months.
RBCAA's P/E Growth Rating (13) in the Regional Banks industry is in the same range as HTB (32) in the Savings Banks industry. This means that RBCAA’s stock grew similarly to HTB’s over the last 12 months.
| HTB | RBCAA | |
|---|---|---|
| RSI ODDS (%) | N/A | N/A |
| Stochastic ODDS (%) | 2 days ago 47% | 2 days ago 57% |
| Momentum ODDS (%) | 2 days ago 67% | 2 days ago 60% |
| MACD ODDS (%) | N/A | 2 days ago 69% |
| TrendWeek ODDS (%) | 2 days ago 64% | 2 days ago 62% |
| TrendMonth ODDS (%) | 2 days ago 64% | 2 days ago 63% |
| Advances ODDS (%) | 3 days ago 58% | 27 days ago 58% |
| Declines ODDS (%) | 15 days ago 60% | 6 days ago 54% |
| BollingerBands ODDS (%) | 2 days ago 59% | 2 days ago 56% |
| Aroon ODDS (%) | 2 days ago 68% | 2 days ago 48% |
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is overvalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
HTB’s FA Score shows that 3 FA rating(s) are green while RBCAA’s FA Score has 3 green FA rating(s).
- HTB’s FA Score: 3 green, 2 red.
- RBCAA’s FA Score: 3 green, 2 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
HTB’s TA Score shows that 5 TA indicator(s) are bullish while RBCAA’s TA Score has 4 bullish TA indicator(s).
- HTB’s TA Score: 5 bullish, 3 bearish.
- RBCAA’s TA Score: 4 bullish, 3 bearish.
Price Growth
HTB (@Regional Banks) experienced а +0.98% price change this week, while RBCAA (@Regional Banks) price change was +0.43% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -1.23%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +11.80%.
Reported Earning Dates
HTB is expected to report earnings on Jan 28, 2027.
RBCAA is expected to report earnings on Jan 22, 2027.
Industries' Descriptions
@Regional Banks (-1.23% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
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HTB and
Correlation & Price change
A.I.dvisor indicates that over the last year, HTB has been closely correlated with RBCAA. These tickers have moved in lockstep 80% of the time. This A.I.-generated data suggests there is a high statistical probability that if HTB jumps, then RBCAA could also see price increases.
| Ticker / NAME | Correlation To HTB | 1D Price Change % | ||
|---|---|---|---|---|
| HTB | 100% | -0.46% | ||
| RBCAA - HTB | 80% Closely correlated | -0.34% | ||
| PEBO - HTB | 79% Closely correlated | -0.70% | ||
| BUSE - HTB | 77% Closely correlated | -0.14% | ||
| OBK - HTB | 77% Closely correlated | +0.86% | ||
| AMTB - HTB | 77% Closely correlated | +0.40% | ||
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RBCAA and
Correlation & Price change
A.I.dvisor indicates that over the last year, RBCAA has been closely correlated with SRCE. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if RBCAA jumps, then SRCE could also see price increases.
| Ticker / NAME | Correlation To RBCAA | 1D Price Change % | ||
|---|---|---|---|---|
| RBCAA | 100% | -0.34% | ||
| SRCE - RBCAA | 82% Closely correlated | -0.50% | ||
| NBTB - RBCAA | 80% Closely correlated | -0.43% | ||
| SMBC - RBCAA | 79% Closely correlated | -0.60% | ||
| FMBH - RBCAA | 79% Closely correlated | -0.50% | ||
| FBIZ - RBCAA | 79% Closely correlated | -0.78% | ||
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