HomeTrust BancsharesHTB +0.16%70 Net Margin % is 31.08% as of Mar. 2026, which is 64% above its 10-year median of 18.97. 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 1,526 Banks companies, HomeTrust Bancshares ranks better than 64.68% on this metric.
The historical rank and industry rank for HomeTrust Bancshares's Net Margin % or its related term are showing as below:
HTB'
s Net Margin % Range Over the Past 10 Years
Min: 6.86 Med: 18.97 Max: 31.04
Current: 31.04
HTB's Net Margin % is ranked better than 64.68% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs HTB: 31.04
HomeTrust Bancshares (NYSE:HTB) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
HomeTrust Bancshares Net Margin % Related Terms
HomeTrust Bancshares Net Margin % Historical Data
* Premium members only.
The historical data trend for HomeTrust Bancshares's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's Net 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 Net Margin % of 31.08% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on HomeTrust Bancshares and its competitors. This is 64% above median its historical median of 18.97. Over the past decade, HomeTrust Bancshares' Net Margin % has ranged from 6.86 to 31.04. According to the industry distribution chart, HomeTrust Bancshares ranks #539 out of 1526 companies in the Banks industry, placing it in the top 35.3%.
Is HomeTrust Bancshares' Net Margin % too high?
HomeTrust Bancshares' current Net Margin % of 31.08% is 64% above median its 10-year median of 18.97. Over the past 10 years, this metric has ranged from a low of 6.86 to a high of 31.04. The Banks industry median Net Margin % is 26.97. HomeTrust Bancshares' value of 31.08% is 15.2% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #539 out of 1526 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 Margin % compare to CCBG and GSBC?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #539 out of 1526 companies for Net Margin %. This puts HomeTrust Bancshares in the upper half of its industry. The industry median Net Margin % is 26.97. HomeTrust Bancshares' value of 31.08% is 15.2% above this benchmark. Historically, HomeTrust Bancshares' own Net Margin % has ranged from 6.86 to 31.04 over the past decade. While the company's 10-year median is 18.97 vs. the industry median of 26.97, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current Net Margin % of 31.08% is 15.2% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on HomeTrust Bancshares and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current Net Margin % is 31.08%, which is 64% above median its own 10-year median of 18.97. 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 $49.06 — trading 35.4% above its estimated fair value. The current Net Margin % is 31.08%, which is 64% above median its 10-year median of 18.97 and 15.2% above the Banks industry median of 26.97. 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 Margin % calculated?
Net Margin % is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current Net Margin % is 31.08% 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 $49.06 is trading 35.4% above its estimated GF Value™ of $36.24.
GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.
Key valuation signals for HTB:
Net Margin %: 31.08% (64% above median its 10-year median of 18.97)
GF Value™: $36.24 vs. price of $49.06 (35.4% above fair value)
Industry Position: 15.2% above the Banks median (#539 of 1526)
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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