HomeTrust BancsharesHTB +1.43%70 EV-to-OCF is 6.84 as of Jul. 10, 2026, which is 11% above its 10-year median of 6.15. GuruFocus rates HTB with a GF Score™ of 70/100 and a GF Value™ of $36.28 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,501 Banks companies, HomeTrust Bancshares ranks worse than 61.36% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, HomeTrust Bancshares's Enterprise Value is $606.4 Mil.
HomeTrust Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $88.7 Mil. Therefore, HomeTrust Bancshares's EV-to-OCF for today is 6.84.
The historical rank and industry rank for HomeTrust Bancshares's EV-to-OCF or its related term are showing as below:
HTB'
s EV-to-OCF Range Over the Past 10 Years
Min: -92.49 Med: 6.15 Max: 105.81
Current: 6.84
During the past 13 years, the highest EV-to-OCF of HomeTrust Bancshares was 105.81. The lowest was -92.49. And the median was 6.15.
HTB's EV-to-OCF is ranked worse than 61.36% of 1501
companies
in the Banks industry
Industry Median: 3.64
vs HTB: 6.84
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
HomeTrust Bancshares's PE Ratio (TTM) for today is calculated as:
HomeTrust Bancshares's share price for today is $48.82.
HomeTrust Bancshares's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $3.870.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
HomeTrust Bancshares EV-to-OCF Related Terms
HomeTrust Bancshares EV-to-OCF Historical Data
* Premium members only.
The historical data trend for HomeTrust Bancshares's EV-to-OCF 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.
For the Banks - Regional subindustry, HomeTrust Bancshares's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's EV-to-OCF falls into.
HomeTrust Bancshares's current Enterprise Value is $606.4 Mil.
HomeTrust Bancshares's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $88.7 Mil.
* 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 EV-to-OCF of 6.84 as of Jul. 10, 2026. This is 11% above median its historical median of 6.15. According to the industry distribution chart, HomeTrust Bancshares ranks #921 out of 1501 companies in the Banks industry, placing it in the top 61.4%.
Is HomeTrust Bancshares' EV-to-OCF too high?
HomeTrust Bancshares' current EV-to-OCF of 6.84 is 11% above median its 10-year median of 6.15. The Banks industry median EV-to-OCF is 3.64. HomeTrust Bancshares' value of 6.84 is 87.9% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #921 out of 1501 companies in the Banks industry, which is below the industry midpoint. Overall, HomeTrust Bancshares has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HomeTrust Bancshares' EV-to-OCF compare to SMBK and SPFI?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #921 out of 1501 companies for EV-to-OCF. This places HomeTrust Bancshares in the lower half of its industry. The industry median EV-to-OCF is 3.64. HomeTrust Bancshares' value of 6.84 is 87.9% above this benchmark. While the company's 10-year median is 6.15 vs. the industry median of 3.64, 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 EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.64, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current EV-to-OCF of 6.84 is 87.9% 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 EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current EV-to-OCF is 6.84, which is 11% above median its own 10-year median of 6.15. 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 $36.28, compared to a current price of $48.82 — trading 34.6% above its estimated fair value. The current EV-to-OCF is 6.84, which is 11% above median its 10-year median of 6.15 and 87.9% above the Banks industry median of 3.64. HomeTrust Bancshares' overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current EV-to-OCF is 6.84 as of Jul. 10, 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 $48.82 is trading 34.6% above its estimated GF Value™ of $36.28.
GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.
Key valuation signals for HTB:
EV-to-OCF: 6.84 (11% above median its 10-year median of 6.15)
GF Value™: $36.28 vs. price of $48.82 (34.6% above fair value)
Industry Position: 87.9% above the Banks median (#921 of 1501)
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.
70GF Score
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