HomeTrust BancsharesHTB +1.43%70 Equity-to-Asset is 0.14 as of Mar. 2026, which is 17% above its 10-year median of 0.12. 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 1,524 Banks companies, HomeTrust Bancshares ranks better than 83.33% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. HomeTrust Bancshares's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $592.4 Mil. HomeTrust Bancshares's Total Assets for the quarter that ended in Mar. 2026 was $4,386.3 Mil.
Therefore, HomeTrust Bancshares's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.14.
The historical rank and industry rank for HomeTrust Bancshares's Equity-to-Asset or its related term are showing as below:
HTB'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.1 Med: 0.12 Max: 0.14
Current: 0.14
During the past 13 years, the highest Equity to Asset Ratio of HomeTrust Bancshares was 0.14. The lowest was 0.10. And the median was 0.12.
HTB's Equity-to-Asset is ranked better than 83.33% of 1524
companies
in the Banks industry
Industry Median: 0.1
vs HTB: 0.14
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
HomeTrust Bancshares Equity-to-Asset Related Terms
HomeTrust Bancshares Equity-to-Asset Historical Data
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The historical data trend for HomeTrust Bancshares's Equity-to-Asset 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.
HTB vs SMBK, SPFI, ORRF: Equity-to-Asset Comparison
For the Banks - Regional subindustry, HomeTrust Bancshares's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
HomeTrust Bancshares's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.14 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on HomeTrust Bancshares and its competitors. This is 17% above median its historical median of 0.12. Over the past decade, HomeTrust Bancshares' Equity-to-Asset has ranged from 0.10 to 0.14. According to the industry distribution chart, HomeTrust Bancshares ranks #254 out of 1524 companies in the Banks industry, placing it in the top 16.7%.
Is HomeTrust Bancshares' Equity-to-Asset too high?
HomeTrust Bancshares' current Equity-to-Asset of 0.14 is 17% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. HomeTrust Bancshares' value of 0.14 is 40% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #254 out of 1524 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Equity-to-Asset compare to SMBK and SPFI?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #254 out of 1524 companies for Equity-to-Asset. This places HomeTrust Bancshares in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. HomeTrust Bancshares' value of 0.14 is 40% above this benchmark. Historically, HomeTrust Bancshares' own Equity-to-Asset has ranged from 0.10 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, 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 Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current Equity-to-Asset of 0.14 is 40% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on HomeTrust Bancshares and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current Equity-to-Asset is 0.14, which is 17% above median its own 10-year median of 0.12. 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 Equity-to-Asset is 0.14, which is 17% above median its 10-year median of 0.12 and 40% above the Banks industry median of 0.10. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current Equity-to-Asset is 0.14 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 $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:
Equity-to-Asset: 0.14 (17% above median its 10-year median of 0.12)
GF Value™: $36.28 vs. price of $48.82 (34.6% above fair value)
Industry Position: 40% above the Banks median (#254 of 1524)
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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