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HomeTrust BancsharesHTB -1.10%68 Cash-to-Debt is 3.14 as of Mar. 2026, which is 205% above its 10-year median of 1.03. GuruFocus rates HTB with a GF Score™ of 68/100 and a GF Value™ of $36.43 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,487 Banks companies, HomeTrust Bancshares ranks better than 53.6% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. HomeTrust Bancshares's cash to debt ratio for the quarter that ended in Mar. 2026 was 3.14.
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. Here we can see, HomeTrust Bancsharescould pay off its debt using the cash in hand for the quarter that ended in Mar. 2026.
The historical rank and industry rank for HomeTrust Bancshares's Cash-to-Debt or its related term are showing as below:
HTB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.53 Med: 1.03 Max: No Debt
Current: 1.62
During the past 13 years, HomeTrust Bancshares's highest Cash to Debt Ratio was No Debt. The lowest was 0.53. And the median was 1.03.
HTB's Cash-to-Debt is ranked better than 53.6% of 1487
companies
in the Banks industry
Industry Median: 1.42
vs HTB: 1.62
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
HomeTrust Bancshares Cash-to-Debt Related Terms
HomeTrust Bancshares Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for HomeTrust Bancshares's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Banks - Regional subindustry, HomeTrust Bancshares's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt 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 Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
HomeTrust Bancshares (HTB) has a Cash-to-Debt of 3.14 as of Mar. 2026. This is 205% above median its historical median of 1.03. Over the past decade, HomeTrust Bancshares' Cash-to-Debt has ranged from 0.53 to 10,000.00. According to the industry distribution chart, HomeTrust Bancshares ranks #690 out of 1487 companies in the Banks industry, placing it in the top 46.4%.
Is HomeTrust Bancshares' Cash-to-Debt too high?
HomeTrust Bancshares' current Cash-to-Debt of 3.14 is 205% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.53 to a high of 10,000.00. The Banks industry median Cash-to-Debt is 1.42. HomeTrust Bancshares' value of 3.14 is 121.1% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #690 out of 1487 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' Cash-to-Debt compare to PGC and ALRS?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #690 out of 1487 companies for Cash-to-Debt. This puts HomeTrust Bancshares in the upper half of its industry. The industry median Cash-to-Debt is 1.42. HomeTrust Bancshares' value of 3.14 is 121.1% above this benchmark. Historically, HomeTrust Bancshares' own Cash-to-Debt has ranged from 0.53 to 10,000.00 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 1.42, 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 Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.42, based on 1,487 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current Cash-to-Debt of 3.14 is 121.1% 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 Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current Cash-to-Debt is 3.14, which is 205% above median its own 10-year median of 1.03. 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 $36.43, compared to a current price of $50.96 — trading 39.9% above its estimated fair value. The current Cash-to-Debt is 3.14, which is 205% above median its 10-year median of 1.03 and 121.1% above the Banks industry median of 1.42. 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 Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current Cash-to-Debt is 3.14 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 $50.96 is trading 39.9% above its estimated GF Value™ of $36.43.
GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.
Key valuation signals for HTB:
Cash-to-Debt: 3.14 (205% above median its 10-year median of 1.03)
GF Value™: $36.43 vs. price of $50.96 (39.9% above fair value)
Industry Position: 121.1% above the Banks median (#690 of 1487)
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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