HTB (HomeTrust Bancshares) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)

What is HomeTrust Bancshares LT-Debt-to-Total-Asset?

HomeTrust Bancshares HTB +0.12% 70 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. HomeTrust Bancshares's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

HomeTrust Bancshares's long-term debt to total assets ratio increased from Mar. 2025 (0.00) to Mar. 2026 (0.02). It may suggest that HomeTrust Bancshares is progressively becoming more dependent on debt to grow their business.

HomeTrust Bancshares (NYSE:HTB) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

HomeTrust Bancshares LT-Debt-to-Total-Asset Related Terms

HomeTrust Bancshares LT-Debt-to-Total-Asset Historical Data

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The historical data trend for HomeTrust Bancshares's LT-Debt-to-Total-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.

HomeTrust Bancshares LT-Debt-to-Total-Asset Chart

HomeTrust Bancshares Annual Data

Trend

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Dec25

LT-Debt-to-Total-Asset

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0.03

0.00

HomeTrust Bancshares Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.00	0.00	0.00	0.00	0.02

70GF Score

HomeTrust Bancshares Inc HTB

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HomeTrust Bancshares LT-Debt-to-Total-Asset Calculation

HomeTrust Bancshares's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	10.22	/	4545.635
	=	0.00

HomeTrust Bancshares's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	100.245	/	4386.341
	=	0.02

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.02 mean?

HomeTrust Bancshares (HTB) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on HomeTrust Bancshares and its competitors.

Is HomeTrust Bancshares' LT-Debt-to-Total-Asset too high?

HomeTrust Bancshares' current LT-Debt-to-Total-Asset is 0.02. 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' LT-Debt-to-Total-Asset compare to CCBG and GSBC?

HomeTrust Bancshares' LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on HomeTrust Bancshares and its competitors. HomeTrust Bancshares's current LT-Debt-to-Total-Asset is 0.02. 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 $49.04 — trading 35.3% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current LT-Debt-to-Total-Asset is 0.02 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 $49.04 is trading 35.3% above its estimated GF Value™ of $36.24. GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.

Key valuation signals for HTB:

LT-Debt-to-Total-Asset: 0.02
GF Value™: $36.24 vs. price of $49.04 (35.3% above fair value)
GF Score™: 70/100 with 5 warning signs

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 Business Description

Industry Financial Services Banks

Comparable Companies CCBG GSBC SPFI HBIA PGC SMBC FCBC THFF MPB ORRF SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 10 Woodfin Street, Asheville, NC, USA, 28801

Website https://www.htb.com

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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$49.04

Price

$36.24

GF Value

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