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HomeTrust BancsharesHTB +1.14%68 3-Year Book Growth Rate is 11.70% as of Mar. 2026, which is 154% above its 10-year median of 4.60. GuruFocus rates HTB with a GF Score™ of 68/100 and a GF Value™ of $36.42 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,498 Banks companies, HomeTrust Bancshares ranks better than 66.42% on this metric.
During the past 12 months, HomeTrust Bancshares's average Book Value per Share Growth Rate was 9.40% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 11.70% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 8.20% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 5.60% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of HomeTrust Bancshares was 32.70% per year. The lowest was 3.10% per year. And the median was 4.60% per year.
HomeTrust Bancshares (NYSE:HTB) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
HomeTrust Bancshares 3-Year Book Growth Rate Related Terms
HTB vs PGC, ALRS, ORRF: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, HomeTrust Bancshares's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
HomeTrust Bancshares 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's 3-Year Book Growth Rate falls into.
HomeTrust Bancshares 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 11.70% mean?
HomeTrust Bancshares (HTB) has a 3-Year Book Growth Rate of 11.70% as of Mar. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for HomeTrust Bancshares and its competitors. This is 154% above median its historical median of 4.60. Over the past decade, HomeTrust Bancshares' 3-Year Book Growth Rate has ranged from 3.10 to 32.70. According to the industry distribution chart, HomeTrust Bancshares ranks #503 out of 1498 companies in the Banks industry, placing it in the top 33.6%.
Is HomeTrust Bancshares' 3-Year Book Growth Rate too high?
HomeTrust Bancshares' current 3-Year Book Growth Rate of 11.70% is 154% above median its 10-year median of 4.60. Over the past 10 years, this metric has ranged from a low of 3.10 to a high of 32.70. The Banks industry median 3-Year Book Growth Rate is 8.70. HomeTrust Bancshares' value of 11.70% is 34.5% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #503 out of 1498 companies in the Banks industry, which is above the industry midpoint. Overall, HomeTrust Bancshares has a GF Score™ of 68/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HomeTrust Bancshares' 3-Year Book Growth Rate compare to PGC and ALRS?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #503 out of 1498 companies for 3-Year Book Growth Rate. This puts HomeTrust Bancshares in the upper half of its industry. The industry median 3-Year Book Growth Rate is 8.70. HomeTrust Bancshares' value of 11.70% is 34.5% above this benchmark. Historically, HomeTrust Bancshares' own 3-Year Book Growth Rate has ranged from 3.10 to 32.70 over the past decade. While the company's 10-year median is 4.60 vs. the industry median of 8.70, HomeTrust Bancshares has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.70, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current 3-Year Book Growth Rate of 11.70% is 34.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for HomeTrust Bancshares and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current 3-Year Book Growth Rate is 11.70%, which is 154% above median its own 10-year median of 4.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HomeTrust Bancshares stock overvalued right now?
Based on GuruFocus' analysis, HomeTrust Bancshares (HTB) is currently considered Significantly Overvalued. The stock's GF Value™ is $36.42, compared to a current price of $51.52 — trading 41.5% above its estimated fair value. The current 3-Year Book Growth Rate is 11.70%, which is 154% above median its 10-year median of 4.60 and 34.5% above the Banks industry median of 8.70. HomeTrust Bancshares' overall GF Score™ is 68/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current 3-Year Book Growth Rate is 11.70% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is HomeTrust Bancshares (HTB) Overvalued in 2026?
Based on GuruFocus' analysis, HomeTrust Bancshares stock appears to be overvalued.
The current stock price of $51.52 is trading 41.5% above its estimated GF Value™ of $36.42.
GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.
Key valuation signals for HTB:
3-Year Book Growth Rate: 11.70% (154% above median its 10-year median of 4.60)
GF Value™: $36.42 vs. price of $51.52 (41.5% above fair value)
Industry Position: 34.5% above the Banks median (#503 of 1498)
No single metric tells the full story. See the HTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HomeTrust Bancshares Inc operates as a bank holding company. It engaged in the business of planning, directing and coordinating the business activities of the Bank. The Bank is a North Carolina state chartered bank and provides a range of retail and commercial banking products. Its principal business consists of attracting deposits from the general public and investing those funds, along with borrowed funds, in commercial real estate loans, construction and development loans, commercial and industrial loans, equipment finance leases, municipal leases, loans secured by first and second mortgages on one-to-four family residences including home equity loans and other consumer loans.
68GF Score
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