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HomeTrust Bancshares, Inc (HTB) Fair Value & Analysis

Financial Services · US · Market cap $814M

Price$48.85
Fair Value$42.40
Upside-13.2%
Quality95/100
Evidence: High Range $31.80 – $52.99

Fair value as of: Jun 25, 2026

Analysis

HomeTrust Bancshares, Inc (HTB) currently trades at $48.85, while our model-based Fair Value estimate is $42.40 — implying the stock looks roughly 13.2% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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. 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 governme…

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Frequently asked questions

Is HomeTrust Bancshares, Inc (HTB) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $42.40 versus a price of $48.85 — about −13% (overvalued). Model-based estimate, not financial advice.
What is the fair value of HTB?
Our 21-model fair value for HomeTrust Bancshares, Inc is $42.40 (as of Jun 25, 2026), built from audited fundamentals. The current price is $48.85.
What is the quality score of HTB?
HomeTrust Bancshares, Inc has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.