HomeTrust BancsharesHTB +0.14%70 Net Debt Paydown Yield % is 3.13% as of Jun. 28, 2026, which is 33% below its 10-year median of 4.64. 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 1,419 Banks companies, HomeTrust Bancshares ranks better than 71.67% on this metric.
Net Debt Paydown Yield % is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. It is a measure of a company's willingness and ability to reduce its debt.
As of today, HomeTrust Bancshares's Net Debt Paydown Yield % was 3.13%.
HomeTrust Bancshares (NYSE:HTB) Net Debt Paydown Yield % Explanation
Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced. In other words, it is a measure of the willingness and ability of a firm's management to pay down debt. Companies that have high debt paydown yields indicate that they are more aggressive with paying down debt.
In the calculation of Net Debt Paydown Yield %, we use the reductions of TTM average total debt one-year-ago and TTM average total debt at present, divided by its Market Cap.
HomeTrust Bancshares Net Debt Paydown Yield % Related Terms
HomeTrust Bancshares Net Debt Paydown Yield % Historical Data
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The historical data trend for HomeTrust Bancshares's Net Debt Paydown Yield % 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 Net Debt Paydown Yield % Chart
HTB vs CCBG, GSBC, SPFI: Net Debt Paydown Yield % Comparison
For the Banks - Regional subindustry, HomeTrust Bancshares's Net Debt Paydown Yield %, along with its competitors' market caps and Net Debt Paydown Yield % 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 Net Debt Paydown Yield % vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's Net Debt Paydown Yield % distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's Net Debt Paydown Yield % 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.
* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Net Debt Paydown Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.
What does a Net Debt Paydown Yield % of 3.13% mean?
HomeTrust Bancshares (HTB) has a Net Debt Paydown Yield % of 3.13% as of Jun. 28, 2026. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on HomeTrust Bancshares and its competitors. This is 33% below median its historical median of 4.64. According to the industry distribution chart, HomeTrust Bancshares ranks #402 out of 1419 companies in the Banks industry, placing it in the top 28.3%.
Is HomeTrust Bancshares' Net Debt Paydown Yield % too high?
HomeTrust Bancshares' current Net Debt Paydown Yield % of 3.13% is 33% below median its 10-year median of 4.64. Based on the distribution chart, HomeTrust Bancshares ranks #402 out of 1419 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' Net Debt Paydown Yield % compare to CCBG and GSBC?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #402 out of 1419 companies for Net Debt Paydown Yield %. This puts HomeTrust Bancshares in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Debt Paydown Yield % for a Banks company?
A good Net Debt Paydown Yield % depends on the Banks industry context. However, Net Debt Paydown Yield % 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 Net Debt Paydown Yield % mean?
A high Net Debt Paydown Yield % can signal that a stock is expensive relative to its fundamentals. Net Debt Paydown Yield is a metric that evaluates the total amount of debt a company has paid in relation to its market capitalization. This metric provides insight into a company's willingness and ability to reduce its debt using free cash flow. View historical data on HomeTrust Bancshares and its competitors. HomeTrust Bancshares's current Net Debt Paydown Yield % is 3.13%, which is 33% below median its own 10-year median of 4.64. 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 Net Debt Paydown Yield % is 3.13%, which is 33% below median its 10-year median of 4.64. 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 Net Debt Paydown Yield % calculated?
Net Debt Paydown Yield % is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current Net Debt Paydown Yield % is 3.13% as of Jun. 28, 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:
Net Debt Paydown Yield %: 3.13% (33% below median its 10-year median of 4.64)
GF Value™: $36.24 vs. price of $49.04 (35.3% above fair value)
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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