HTB (HomeTrust Bancshares) Margin of Safety % (DCF Earnings Based): 57.68% (As of Jun. 25, 2026)


HTB HomeTrust Bancshares Inc HTB
70 GF Score
Price $48.98
GF Value $36.24
Valuation Significantly Overvalued
! 5 Warning Signs
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What is HomeTrust Bancshares Margin of Safety % (DCF Earnings Based)?

HomeTrust Bancshares HTB +0.27% 70 Margin of Safety % (DCF Earnings Based) is 57.68% as of Jun. 25, 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-25), HomeTrust Bancshares's Predictability Rank is 4.5-Stars. HomeTrust Bancshares's intrinsic value calculated from the Discounted Earnings model is $115.74 and current share price is $48.98. Consequently,

HomeTrust Bancshares's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 57.68%.

HTB vs CCBG, GSBC, SPFI: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, HomeTrust Bancshares's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, HomeTrust Bancshares's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where HomeTrust Bancshares's Margin of Safety % (DCF Earnings Based) falls into.


HTB
70GF Score
HomeTrust Bancshares Inc HTB
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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HomeTrust Bancshares Margin of Safety % (DCF Earnings Based) Calculation

HomeTrust Bancshares's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(115.74-48.98)/115.74
=57.68 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 57.68% mean?
HomeTrust Bancshares (HTB) has a Margin of Safety % (DCF Earnings Based) of 57.68% as of Jun. 25, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on HomeTrust Bancshares.
Is HomeTrust Bancshares' Margin of Safety % (DCF Earnings Based) too high?
HomeTrust Bancshares' current Margin of Safety % (DCF Earnings Based) is 57.68%. 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' Margin of Safety % (DCF Earnings Based) compare to CCBG and GSBC?
HomeTrust Bancshares' Margin of Safety % (DCF Earnings Based) of 57.68% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on HomeTrust Bancshares. HomeTrust Bancshares's current Margin of Safety % (DCF Earnings Based) is 57.68%. 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 Margin of Safety % (DCF Earnings Based) is 57.68%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current Margin of Safety % (DCF Earnings Based) is 57.68% as of Jun. 25, 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:

  • Margin of Safety % (DCF Earnings Based): 57.68%
  • GF Value™: $36.24 vs. price of $48.98 (35.2% 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

Address 10 Woodfin Street, Asheville, NC, USA, 28801
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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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.98
Price
$36.24
GF Value