HomeTrust BancsharesHTB +0.77%70 Return-on-Tangible-Asset is 1.52% as of Mar. 2026, which is 108% above its 10-year median of 0.73. 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 1,532 Banks companies, HomeTrust Bancshares ranks better than 76.24% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. HomeTrust Bancshares's annualizedNet Income for the quarter that ended in Mar. 2026 was $67.1 Mil. HomeTrust Bancshares's average total tangible assets for the quarter that ended in Mar. 2026 was $4,427.2 Mil. Therefore, HomeTrust Bancshares's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 1.52%.
The historical rank and industry rank for HomeTrust Bancshares's Return-on-Tangible-Asset or its related term are showing as below:
HTB'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.26 Med: 0.73 Max: 1.48
Current: 1.48
During the past 13 years, HomeTrust Bancshares's highest Return-on-Tangible-Asset was 1.48%. The lowest was 0.26%. And the median was 0.73%.
HTB's Return-on-Tangible-Asset is ranked better than 76.24% of 1532
companies
in the Banks industry
Industry Median: 0.99
vs HTB: 1.48
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
HomeTrust Bancshares Return-on-Tangible-Asset Related Terms
HomeTrust Bancshares Return-on-Tangible-Asset Historical Data
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The historical data trend for HomeTrust Bancshares's Return-on-Tangible-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.
HTB vs SMBK, SPFI, ORRF: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, HomeTrust Bancshares's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.52% mean?
HomeTrust Bancshares (HTB) has a Return-on-Tangible-Asset of 1.52% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on HomeTrust Bancshares and its competitors. This is 108% above median its historical median of 0.73. Over the past decade, HomeTrust Bancshares' Return-on-Tangible-Asset has ranged from 0.26 to 1.48. According to the industry distribution chart, HomeTrust Bancshares ranks #364 out of 1532 companies in the Banks industry, placing it in the top 23.8%.
Is HomeTrust Bancshares' Return-on-Tangible-Asset too high?
HomeTrust Bancshares' current Return-on-Tangible-Asset of 1.52% is 108% above median its 10-year median of 0.73. Over the past 10 years, this metric has ranged from a low of 0.26 to a high of 1.48. The Banks industry median Return-on-Tangible-Asset is 0.99. HomeTrust Bancshares' value of 1.52% is 53.5% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #364 out of 1532 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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' Return-on-Tangible-Asset compare to SMBK and SPFI?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #364 out of 1532 companies for Return-on-Tangible-Asset. This places HomeTrust Bancshares in the top 24% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 0.99. HomeTrust Bancshares' value of 1.52% is 53.5% above this benchmark. Historically, HomeTrust Bancshares' own Return-on-Tangible-Asset has ranged from 0.26 to 1.48 over the past decade. While the company's 10-year median is 0.73 vs. the industry median of 0.99, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 0.99, based on 1,532 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current Return-on-Tangible-Asset of 1.52% is 53.5% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on HomeTrust Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 0.99 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current Return-on-Tangible-Asset is 1.52%, which is 108% above median its own 10-year median of 0.73. 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 $49.42 — trading 36.4% above its estimated fair value. The current Return-on-Tangible-Asset is 1.52%, which is 108% above median its 10-year median of 0.73 and 53.5% above the Banks industry median of 0.99. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current Return-on-Tangible-Asset is 1.52% 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 $49.42 is trading 36.4% above its estimated GF Value™ of $36.24.
GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.
Key valuation signals for HTB:
Return-on-Tangible-Asset: 1.52% (108% above median its 10-year median of 0.73)
GF Value™: $36.24 vs. price of $49.42 (36.4% above fair value)
Industry Position: 53.5% above the Banks median (#364 of 1532)
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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