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Data-driven stock valuation

HomeTrust Bancshares, Inc. (HTB) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of HomeTrust Bancshares, Inc. stock $35.51, price $46.98, that is 24.4% below the price, quality 58 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

HB HomeTrust Bancshares, Inc. logo Broad data Nov 6, 2026

HomeTrust Bancshares, Inc.

HTB · US
Solid, but expensive

Our calculation puts a fair price 24% below what the stock costs today.

Highly profitable · 31.3% net margin (TTM)
1.2% dividend yield · Low payout
Broad data
Quality 58/100
Mixed Growth (revenue 5y +12.8 %/yr in USD)
Mixed vs. peers (6/14)
Moderate moat 59/100
Insiders sold $558,080 (6M)
Fair value $35.51 · Overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$51.85 $17.37 Fair Value $35.51 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.

How to read this chart

60‑month range $17.37 – $51.85 · fair‑value band $32.37 – $44.27 · the $46.98 price screens above the $35.51 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.

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Company profile

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 the United States.

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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.

Stock analysis

HomeTrust Bancshares, Inc. (HTB) currently trades at $46.98, while our model-based Fair Value estimate is $35.51, 24% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $47.64 per share, and 1 of the 6 models we run sit above the $46.98 price.

Bear case: the Dividend Discount group reads lowest at $7.38, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $32.37 (bear) to $44.27 (bull), the price of $46.98 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

HomeTrust Bancshares, Inc. reported revenue of $292M in FY2026 versus $155M in FY2022, a compound +17.1%/yr. Reported net income was $64.4M in FY2026, compounding +15.9%/yr from FY2022.

Key figures

Market cap $778M Small · P/E ratio 11.8 · P/S ratio 3.66 · EPS (TTM) $3.99 · Dividend yield 1.2% · Net margin 31.3% · Return on equity 11.4% · Return on assets (EBIT) 1.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 59 out of 100 (medium confidence).

What moves the price

The share trades about 9% below its 52-week high and 21% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −24%, HTB screens cheaper than that median.

Fair Value models

Bear $32.37 Fair Value $35.51 Bull $44.27
Price $46.98 · Downside -24.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2026 figures (about 4 months old). Earnings retained since then ($1.24 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $32.37 $35.51 $44.27 76
Gordon GGM $4.22 $7.75 $10.84 67
DDM Multi-Stage $4.22 $7.01 $8.26 67
All 6 models by family
Dividend Discount
Gordon GGM $4.22 $7.75 $10.84 67
DDM Multi-Stage $4.22 $7.01 $8.26 67
Multiples
P/E Multiple $39.68 $52.90 $66.13 63
P/B Multiple $31.79 $42.38 $52.98 55
Asset-Based
NCAV (Graham) $17.76 $23.80 $35.52 54
Economic Profit
Residual Income $32.37 $35.51 $44.27 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 58/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 34
How much profit the company makes from its sales and capital
Quality Growth 56
Are margins and returns getting better?
Cashflow 58
Do the profits arrive as real cash?
Financial strength 25
Debt, balance sheet and risk of trouble
Investment 85
Does it invest with discipline instead of growing at any price?
Low Volatility 81
How calm the share price moves, does not count
Price momentum 46
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 59
Distance to the 52-week high, does not count
New shares 83
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 2 officers or directors sold shares worth $558,080 and none bought.

  • SaleLaura C KendallDirector10,000 shares at $51.13$511,300Jul 30, 2026
  • SaleKristin Y. PowellEVP, Consumer & BB Group Exec1,000 shares at $46.78$46,780May 27, 2026
  • SaleHunter WestbrookPresident, CEO, Director3× since May 1, 2026: 60,000 shares, avg. $45.80$2.7MMay 7, 2026
  • SaleJohn Francis Sprink IIEVP2,000 shares at $45.00$90,000Feb 6, 2026

Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.6%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.8%
Start year 2021 (pandemic). Over 10 years: +11.2% a year
Revenue growth 16 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.6%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+25.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+24.1%
Dividend (yield on the price)1.2%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.24.1% vs 19.6%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 28%
Pace: the 5-year rate starts in 2021 (pandemic)

HTB screens overvalued: fair value 24% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks

Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside −24.4% · Below median
Profitability
Return on equity (12 months) 11.4% · Above median
Return on assets 1.4% · Top 25%
Net margin (12 months) 31.3% · Above median
Operating margin (12 months) 40.7% · Below median
Growth and dividend
Revenue growth (quarter YoY) 5.0% · Below median
Dividend yield (12 months) 1.2% · Bottom 25%
Balance sheet
Debt / equity 0.02× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.8× · Pricier than median
P/B 1.30× · Pricier than median
P/S (12 months) 3.66× · Pricier than median
Price / free cash flow (fiscal year) 18.2× · Priciest 25%
EV/EBITDA 4.8× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)1 · sector 8
FUTURE (revenue growth)25 · sector 47
PAST (return on equity)46 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)24 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs HTB
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs HTB
BNP Paribas SA BNP €91.93 €106.01 +15% vs HTB
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs HTB
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs HTB
UniCredit S.p.A UCG €76.80 €50.44 −34% vs HTB
Mizuho Financial Group MFG $9.40 $5.89 −37% vs HTB
DBS Group D05 69.72 SGD 40.39 SGD −42% vs HTB
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs HTB
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs HTB

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Cite: Fair Value Calculator (2026). "HomeTrust Bancshares, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/HTB

Frequently asked questions

Is HomeTrust Bancshares, Inc. (HTB) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of $35.51 versus a price of $46.98, about 24% lower (overvalued).
What is the fair value of HTB?
Our model-based fair value for HomeTrust Bancshares, Inc. is $35.51 (as of Nov 6, 2026), built from audited fundamentals. The current price: $46.98.
What is the quality score of HTB?
HomeTrust Bancshares, Inc. has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for HomeTrust Bancshares, Inc. (HTB)?
Our model-based price target is the fair value of $35.51 (as of Nov 6, 2026) from 6 valuation models. Cautious scenario $32.37, optimistic scenario $44.27. It is a calculation from audited fundamentals, not an analyst target.
What is the HomeTrust Bancshares, Inc. stock forecast for 2026?
Our models put fair value at $35.51, about 24% lower versus a price of $46.98 (overvalued). Cautious scenario $32.37, optimistic scenario $44.27. The calculation is refreshed regularly with new filings.
What is the revenue of HomeTrust Bancshares, Inc. (HTB)?
HomeTrust Bancshares, Inc. reported trailing-twelve-month revenue of about $213M (latest available figure, as of Nov 6, 2026).
Does HomeTrust Bancshares, Inc. pay a dividend?
HomeTrust Bancshares, Inc. currently shows a dividend yield of 1.19% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of HomeTrust Bancshares, Inc. (HTB) and when is the ex-dividend date?
HomeTrust Bancshares, Inc. pays a dividend of $0.56 per share a year, a dividend yield of 1.2%. The next ex-dividend date is Nov 12, 2026, with payment on Nov 25, 2026. A dividend has been paid every year since at least 2018. The payout ratio is 14.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of HomeTrust Bancshares, Inc. (HTB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For HomeTrust Bancshares, Inc. it is $35.51 per share (as of Nov 6, 2026), against a price of $46.98. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is HomeTrust Bancshares, Inc. stock overvalued or undervalued in 2026?
As of Nov 6, 2026, HTB trades above its calculated fair value: price $46.98, fair value $35.51, a gap of about −24% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of HTB?
No. The price is what the market pays today ($46.98); the fair value is what the company's own numbers justify ($35.51). For HomeTrust Bancshares, Inc. the two are $11.47 per share apart. That gap is exactly why we show both numbers side by side.
How much is HomeTrust Bancshares, Inc. worth?
The market values HomeTrust Bancshares, Inc. at about $778M (market capitalisation, as of Nov 6, 2026). Per share that is $46.98; our models calculate a fair value of $35.51 per share.
What do the bullish and bearish scenarios say about HTB?
Our models span a range for HomeTrust Bancshares, Inc.: cautious scenario $32.37, base $35.51, optimistic $44.27 per share (as of Nov 6, 2026, price $46.98). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of HTB?
HomeTrust Bancshares, Inc. trades at a price-to-earnings ratio of 11.8 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $35.51 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2017 to 2026), reported earnings, FY2021, FY2025 ex one-offs: 12.5. Other multiples: P/B 1.3, P/S 3.7, EV/EBITDA 4.8.
How solid is the balance sheet of HomeTrust Bancshares, Inc. (HTB)?
Balance-sheet figures for HomeTrust Bancshares, Inc. (as of Nov 6, 2026): return on equity 11.4%, debt of 0.02 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is HTB from its 52-week high?
HomeTrust Bancshares, Inc. trades at $46.98, about 9% below its 52-week high of $51.85 and 21% above the low of $38.86 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $35.51 is for.
Which stocks are comparable to HomeTrust Bancshares, Inc.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is HomeTrust Bancshares, Inc. stock attractive at the current price?
The data as of Nov 6, 2026: price $46.98, calculated fair value $35.51 (−24%), Quality Score 58/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of HTB calculated?
We run HomeTrust Bancshares, Inc. through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $35.51 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. HomeTrust Bancshares, Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of HomeTrust Bancshares, Inc. (HTB)?
The closing price on Nov 6, 2026 was $46.98. Our model-based fair value is $35.51, about 24% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with HomeTrust Bancshares, Inc. right now?
The price sits above even our optimistic bull case ($44.27). The favourable scenario is already priced in. Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of HomeTrust Bancshares, Inc. (HTB) come from?
Earnings per share at HomeTrust Bancshares, Inc. grew +21.7 % a year from 2015 to 2026. Broken into its drivers: revenue per share +12.8 %, EBIT margin +6.7 %, tax rate +1.2 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of HomeTrust Bancshares, Inc.

How large is the market capitalisation of HomeTrust Bancshares, Inc. (HTB)?
The market capitalisation of HomeTrust Bancshares, Inc. is $778M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of HomeTrust Bancshares, Inc. (HTB)?
The price-to-sales ratio of HomeTrust Bancshares, Inc. is 3.66 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of HomeTrust Bancshares, Inc. (HTB)?
Earnings per share at HomeTrust Bancshares, Inc. are $3.99 (price ÷ EPS = P/E 11.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of HomeTrust Bancshares, Inc. (HTB)?
The dividend yield of HomeTrust Bancshares, Inc. is 1.2% (payout 14.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of HomeTrust Bancshares, Inc. (HTB)?
The net margin of HomeTrust Bancshares, Inc. is 31.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of HomeTrust Bancshares, Inc. (HTB)?
The return on equity (ROE) of HomeTrust Bancshares, Inc. is 11.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of HomeTrust Bancshares, Inc. (HTB)?
On an EBIT basis the return on assets of HomeTrust Bancshares, Inc. is 1.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of HomeTrust Bancshares, Inc. (HTB)?
The operating margin of HomeTrust Bancshares, Inc. is 40.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at HomeTrust Bancshares, Inc. (HTB)?
Revenue at HomeTrust Bancshares, Inc. is growing +5.0% versus a year earlier (3y avg +10.6%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at HomeTrust Bancshares, Inc. (HTB)?
Earnings per share at HomeTrust Bancshares, Inc. are growing +16.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does HomeTrust Bancshares, Inc. (HTB) generate?
The free cash flow of HomeTrust Bancshares, Inc. is $42.8M (fiscal year 2026). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does HomeTrust Bancshares, Inc. (HTB) hold?
HomeTrust Bancshares, Inc. holds more cash than debt, $333M net (fiscal year 2026). The company holds more cash than debt, a safety cushion.
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