What is HomeTrust Bancshares, Inc.'s Shariah compliance score?

HomeTrust Bancshares, Inc.'s (HTB) compliance score is being calculated. Check HalalScreener.app for the latest AAOIFI screening results.

Does HomeTrust Bancshares, Inc. pass AAOIFI screening?

HomeTrust Bancshares, Inc. (HTB) does not pass AAOIFI Shariah screening. AAOIFI requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30% (HTB: 1.2%), (3) interest-bearing deposits below 30% (HTB: 58.5%), and (4) prohibited income below 5% (HTB: 87.6%). HalalScreener provides free AAOIFI screening for 10,000+ stocks at halalscreener.app.

How much purification is needed for HomeTrust Bancshares, Inc. stock?

HomeTrust Bancshares, Inc. (HTB) has a non-permissible income ratio of 87.58%. Muslim investors should purify this percentage of any dividends received and capital gains realized from HTB shares by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification automates this calculation using the latest financial data.

Where can I screen HomeTrust Bancshares, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for HomeTrust Bancshares, Inc. (HTB) and 10,000+ other US-listed stocks, ETFs, and 100+ cryptocurrencies. The screening uses AAOIFI Standard No. 21 and shows all financial ratios transparently. No credit card or signup required for basic screening. HalalScreener also includes an AI Islamic Scholar for follow-up questions about HTB's compliance across different madhabs (Hanafi, Shafi'i, Maliki, Hanbali, Ja'fari).

HTB: Is HomeTrust Bancshares, Inc. Halal?

HomeTrust Bancshares, Inc.

NYSEFinancial ServicesUS

$49.43

-2.70%

Market Cap: 830.7M

Compliance Status

Not Halal

Screened on Jul 18, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is HomeTrust Bancshares, Inc. (HTB) halal? Not Halal. Based on AAOIFI screening, HomeTrust Bancshares, Inc. has involvement in prohibited business activities with a compliance score of 0/100 (Grade: F).

AvoidBorderlineClean

Business activity

Involved in prohibited business activities.

Failed

Company debt

Well clear of the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

1.2% of 30.0% limit

What this means for you

Most scholars advise not holding HTB

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

About HomeTrust Bancshares, Inc.

HomeTrust Bancshares, Inc. serves as the holding company for HomeTrust Bank, providing a comprehensive array of retail and commercial banking products and services. Its deposit offerings include savings, money market, and demand accounts, along with certificates of deposit, catering to individuals, businesses, and nonprofit organizations. The company's lending activities encompass various retail consumer loans, such as financing for one-to-four-family real estate, home equity lines of credit, construction and land/lot acquisition, indirect auto loans, and general consumer credit. For commercial clients, it offers loans for commercial real estate, construction and development, and industrial purposes. Additionally, the company provides specialized financial services like Small Business Administration loans, equipment finance leases, indirect automobile loans, and municipal leases, alongside cash management and online/mobile banking capabilities. As of June 30, 2021, HomeTrust Bancshares, Inc. managed 41 branches spread across North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. The company was established in 1926 and maintains its principal office in Asheville, North Carolina.

Sector: Financial Services · Industry: Banks - Regional

Shariah Compliance Status

AAOIFI Standard 21Updated Jul 18, 2026

Business Activity Screen

Failed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Prohibited industry: Banks - Regional

Compliance History

Not Halal, unchanged since May 2026.

No status changes recorded since we began tracking.

Tracked since May 2026. Updates automatically on each re-screen.

Fiscal: FY 2025Data source: FMP

Halal Alternatives in Financial Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

GLDA+

SPDR Gold Shares

$368.41

+0.17%

SLVA+

iShares Silver Trust

$50.78

+0.47%

PSLVA+

Sprott Physical Silver Trust

$21.30

+6.23%

PHYSA+

Sprott Physical Gold Trust

$31.75

+0.19%

ABA+

AllianceBernstein Holding L.P.

$36.03

-1.13%

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JPM

JPMorgan Chase & Co.

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Mastercard Incorporated

A+

PYPL

PayPal Holdings, Inc.

C+

BAC

Bank of America Corporation

WFC

Wells Fargo & Company

Free · No credit card required

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Frequently Asked Questions

Is HomeTrust Bancshares, Inc. (HTB) halal to invest in?

HomeTrust Bancshares, Inc. (HTB) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did HomeTrust Bancshares, Inc. get a F compliance rating?

HomeTrust Bancshares, Inc. (HTB) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 1.2% (limit 30%); interest-bearing deposits of 58.5% (limit 30%); prohibited income of 87.58% (limit 5%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change HomeTrust Bancshares, Inc.'s Shariah verdict?

HomeTrust Bancshares, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is HomeTrust Bancshares, Inc. re-screened for Shariah compliance?

HomeTrust Bancshares, Inc. (HTB) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Jul 18, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.