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HomeTrust BancsharesHTB -0.02%72 3-Year FCF Growth Rate is 18.70% as of Jun. 2026, which is 1190% above its 10-year median of 1.45. GuruFocus rates HTB with a GF Score™ of 72/100 and a GF Value™ of $38.49 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,048 Banks companies, HomeTrust Bancshares ranks better than 73.19% on this metric.
During the past 12 months, HomeTrust Bancshares's average Free Cash Flow per Share Growth Rate was -4.00% per year.
During the past 3 years, the average Free Cash Flow per Share Growth Rate was 18.70% 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 Free Cash Flow per Share growth rate.
During the past 13 years, the highest 3-Year average Free Cash Flow per Share Growth Rate of HomeTrust Bancshares was 18.70% per year. The lowest was -16.60% per year. And the median was 1.45% per year.
Free Cash Flow per Share is the amount of Free Cash Flow per outstanding share of the company's stock. Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company. It's used in the calculation of Forward Rate of Return (Yacktman) %.
HomeTrust Bancshares 3-Year FCF Growth Rate Related Terms
HTB vs PGC, ALRS, ORRF: 3-Year FCF Growth Rate Comparison
For the Banks - Regional subindustry, HomeTrust Bancshares's 3-Year FCF Growth Rate, along with its competitors' market caps and 3-Year FCF 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 FCF Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's 3-Year FCF Growth Rate distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's 3-Year FCF Growth Rate falls into.
This is the 3-year average growth rate of Free Cash Flow 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 Free Cash Flow per Share growth rate.
What does a 3-Year FCF Growth Rate of 18.70% mean?
HomeTrust Bancshares (HTB) has a 3-Year FCF Growth Rate of 18.70% as of Jun. 2026. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for HomeTrust Bancshares and its competitors. This is 1190% above median its historical median of 1.45. According to the industry distribution chart, HomeTrust Bancshares ranks #281 out of 1048 companies in the Banks industry, placing it in the top 26.8%.
Is HomeTrust Bancshares' 3-Year FCF Growth Rate too high?
HomeTrust Bancshares' current 3-Year FCF Growth Rate of 18.70% is 1190% above median its 10-year median of 1.45. The Banks industry median 3-Year FCF Growth Rate is 0.50. HomeTrust Bancshares' value of 18.70% is 3640% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #281 out of 1048 companies in the Banks industry, which is above the industry midpoint. Overall, HomeTrust Bancshares has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HomeTrust Bancshares' 3-Year FCF Growth Rate compare to PGC and ALRS?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #281 out of 1048 companies for 3-Year FCF Growth Rate. This puts HomeTrust Bancshares in the upper half of its industry. The industry median 3-Year FCF Growth Rate is 0.50. HomeTrust Bancshares' value of 18.70% is 3640% above this benchmark. While the company's 10-year median is 1.45 vs. the industry median of 0.50, 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 FCF Growth Rate for a Banks company?
The median 3-Year FCF Growth Rate among Banks companies is 0.50, based on 1,048 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year FCF Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year FCF 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 FCF Growth Rate of 18.70% is 3640% 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 FCF Growth Rate mean?
A high 3-Year FCF Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year FCF Growth Rate is the 3-year average growth rate of Free Cash Flow per Share. View historical data for HomeTrust Bancshares and its competitors. For the Banks industry, the median 3-Year FCF Growth Rate is 0.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current 3-Year FCF Growth Rate is 18.70%, which is 1190% above median its own 10-year median of 1.45. 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 Modestly Overvalued. The stock's GF Value™ is $38.49, compared to a current price of $46.70 — trading 21.3% above its estimated fair value. The current 3-Year FCF Growth Rate is 18.70%, which is 1190% above median its 10-year median of 1.45 and 3640% above the Banks industry median of 0.50. HomeTrust Bancshares' overall GF Score™ is 72/100 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 FCF Growth Rate calculated?
3-Year FCF Growth Rate is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current 3-Year FCF Growth Rate is 18.70% as of Jun. 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 $46.70 is trading 21.3% above its estimated GF Value™ of $38.49.
GuruFocus considers HomeTrust Bancshares to be Modestly Overvalued.
Key valuation signals for HTB:
3-Year FCF Growth Rate: 18.70% (1190% above median its 10-year median of 1.45)
GF Value™: $38.49 vs. price of $46.70 (21.3% above fair value)
Industry Position: 3640% above the Banks median (#281 of 1048)
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.
72GF Score
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