HomeTrust BancsharesHTB +0.27%70 FCF Margin % is 203.89% as of Mar. 2026, which is 1488% above its 10-year median of 12.84. GuruFocus rates HTB with a GF Score™ of 70/100 and a GF Value™ of $36.24 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,504 Banks companies, HomeTrust Bancshares ranks better than 68.22% on this metric.
The historical rank and industry rank for HomeTrust Bancshares's FCF Margin % or its related term are showing as below:
HTB'
s FCF Margin % Range Over the Past 10 Years
Min: -42.05 Med: 12.84 Max: 39.27
Current: 39.27
During the past 13 years, the highest FCF Margin % of HomeTrust Bancshares was 39.27%. The lowest was -42.05%. And the median was 12.84%.
HTB's FCF Margin % is ranked better than 68.22% of 1504
companies
in the Banks industry
Industry Median: 26.5
vs HTB: 39.27
HomeTrust Bancshares FCF Margin % Related Terms
HomeTrust Bancshares FCF Margin % Historical Data
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The historical data trend for HomeTrust Bancshares's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's FCF Margin % distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's FCF Margin % 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 FCF Margin % of 203.89% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on HomeTrust Bancshares and its competitors. This is 1488% above median its historical median of 12.84. According to the industry distribution chart, HomeTrust Bancshares ranks #478 out of 1504 companies in the Banks industry, placing it in the top 31.8%.
Is HomeTrust Bancshares' FCF Margin % too high?
HomeTrust Bancshares' current FCF Margin % of 203.89% is 1488% above median its 10-year median of 12.84. The Banks industry median FCF Margin % is 26.50. HomeTrust Bancshares' value of 203.89% is 669.4% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #478 out of 1504 companies in the Banks industry, which is above 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' FCF Margin % compare to CCBG and GSBC?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #478 out of 1504 companies for FCF Margin %. This puts HomeTrust Bancshares in the upper half of its industry. The industry median FCF Margin % is 26.50. HomeTrust Bancshares' value of 203.89% is 669.4% above this benchmark. While the company's 10-year median is 12.84 vs. the industry median of 26.50, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.50, based on 1,504 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current FCF Margin % of 203.89% is 669.4% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on HomeTrust Bancshares and its competitors. For the Banks industry, the median FCF Margin % is 26.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current FCF Margin % is 203.89%, which is 1488% above median its own 10-year median of 12.84. 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 $36.24, compared to a current price of $48.98 — trading 35.2% above its estimated fair value. The current FCF Margin % is 203.89%, which is 1488% above median its 10-year median of 12.84 and 669.4% above the Banks industry median of 26.50. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current FCF Margin % is 203.89% 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 $48.98 is trading 35.2% above its estimated GF Value™ of $36.24.
GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.
Key valuation signals for HTB:
FCF Margin %: 203.89% (1488% above median its 10-year median of 12.84)
GF Value™: $36.24 vs. price of $48.98 (35.2% above fair value)
Industry Position: 669.4% above the Banks median (#478 of 1504)
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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