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HomeTrust BancsharesHTB +1.17%68 Intrinsic Value: Projected FCF is $35.55 as of Aug. 05, 2026, which is 2965% above its 10-year median of 1.16. GuruFocus rates HTB with a GF Score™ of 68/100 and a GF Value™ of $36.55 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,297 Banks companies, HomeTrust Bancshares ranks worse than 91.98% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
The historical rank and industry rank for HomeTrust Bancshares's Intrinsic Value: Projected FCF or its related term are showing as below:
HTB'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.6 Med: 1.16 Max: 5.22
Current: 1.46
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of HomeTrust Bancshares was 5.22. The lowest was 0.60. And the median was 1.16.
HTB's Price-to-Projected-FCF is ranked worse than 91.98% of 1297
companies
in the Banks industry
Industry Median: 0.6
vs HTB: 1.46
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
HomeTrust Bancshares's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
51.85
/
38.41665147939
=
1.35
* 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 Intrinsic Value: Projected FCF Related Terms
HomeTrust Bancshares Intrinsic Value: Projected FCF Historical Data
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The historical data trend for HomeTrust Bancshares's Intrinsic Value: Projected FCF 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 PGC, ALRS, ORRF: Intrinsic Value: Projected FCF Comparison
For the Banks - Regional subindustry, HomeTrust Bancshares's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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 Price-to-Projected-FCF vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's Price-to-Projected-FCF falls into.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $35.55 mean?
HomeTrust Bancshares (HTB) has a Intrinsic Value: Projected FCF of $35.55 as of Aug. 05, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on HomeTrust Bancshares and its competitors. This is 2965% above median its historical median of 1.16. Over the past decade, HomeTrust Bancshares' Intrinsic Value: Projected FCF has ranged from 0.60 to 5.22. According to the industry distribution chart, HomeTrust Bancshares ranks #1193 out of 1297 companies in the Banks industry, placing it in the top 92%.
Is HomeTrust Bancshares' Intrinsic Value: Projected FCF too high?
HomeTrust Bancshares' current Intrinsic Value: Projected FCF of $35.55 is 2965% above median its 10-year median of 1.16. Over the past 10 years, this metric has ranged from a low of 0.60 to a high of 5.22. The Banks industry median Intrinsic Value: Projected FCF is 0.60. HomeTrust Bancshares' value of $35.55 is 5825% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #1193 out of 1297 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' Intrinsic Value: Projected FCF compare to PGC and ALRS?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #1193 out of 1297 companies for Intrinsic Value: Projected FCF. This places HomeTrust Bancshares in the lower half of its industry. The industry median Intrinsic Value: Projected FCF is 0.60. HomeTrust Bancshares' value of $35.55 is 5825% above this benchmark. Historically, HomeTrust Bancshares' own Intrinsic Value: Projected FCF has ranged from 0.60 to 5.22 over the past decade. While the company's 10-year median is 1.16 vs. the industry median of 0.60, 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 Intrinsic Value: Projected FCF for a Banks company?
The median Intrinsic Value: Projected FCF among Banks companies is 0.60, based on 1,297 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current Intrinsic Value: Projected FCF of $35.55 is 5825% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on HomeTrust Bancshares and its competitors. For the Banks industry, the median Intrinsic Value: Projected FCF is 0.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current Intrinsic Value: Projected FCF is $35.55, which is 2965% above median its own 10-year median of 1.16. 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 $36.55, compared to a current price of $51.85 — trading 41.9% above its estimated fair value. The current Intrinsic Value: Projected FCF is $35.55, which is 2965% above median its 10-year median of 1.16 and 5825% above the Banks industry median of 0.60. 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 Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current Intrinsic Value: Projected FCF is $35.55 as of Aug. 05, 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 $51.85 is trading 41.9% above its estimated GF Value™ of $36.55.
GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.
Key valuation signals for HTB:
Intrinsic Value: Projected FCF: $35.55 (2965% above median its 10-year median of 1.16)
GF Value™: $36.55 vs. price of $51.85 (41.9% above fair value)
Industry Position: 5825% above the Banks median (#1193 of 1297)
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
Get the complete analysis for HTB
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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