HomeTrust BancsharesHTB +0.14%70 Return-on-Tangible-Equity is 12.03% as of Mar. 2026, which is 83% above its 10-year median of 6.57. 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 1,522 Banks companies, HomeTrust Bancshares ranks better than 55.72% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. HomeTrust Bancshares's annualized net income for the quarter that ended in Mar. 2026 was $67.1 Mil. HomeTrust Bancshares's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $557.8 Mil. Therefore, HomeTrust Bancshares's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 12.03%.
The historical rank and industry rank for HomeTrust Bancshares's Return-on-Tangible-Equity or its related term are showing as below:
HTB'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 2.21 Med: 6.57 Max: 12.17
Current: 12.17
During the past 13 years, HomeTrust Bancshares's highest Return-on-Tangible-Equity was 12.17%. The lowest was 2.21%. And the median was 6.57%.
HTB's Return-on-Tangible-Equity is ranked better than 55.72% of 1522
companies
in the Banks industry
Industry Median: 11.205
vs HTB: 12.17
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
HomeTrust Bancshares Return-on-Tangible-Equity Related Terms
HomeTrust Bancshares Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for HomeTrust Bancshares's Return-on-Tangible-Equity 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 CCBG, GSBC, SPFI: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, HomeTrust Bancshares's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity 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.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 12.03% mean?
HomeTrust Bancshares (HTB) has a Return-on-Tangible-Equity of 12.03% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on HomeTrust Bancshares and its competitors. This is 83% above median its historical median of 6.57. Over the past decade, HomeTrust Bancshares' Return-on-Tangible-Equity has ranged from 2.21 to 12.17. According to the industry distribution chart, HomeTrust Bancshares ranks #674 out of 1522 companies in the Banks industry, placing it in the top 44.3%.
Is HomeTrust Bancshares' Return-on-Tangible-Equity too high?
HomeTrust Bancshares' current Return-on-Tangible-Equity of 12.03% is 83% above median its 10-year median of 6.57. Over the past 10 years, this metric has ranged from a low of 2.21 to a high of 12.17. The Banks industry median Return-on-Tangible-Equity is 11.21. HomeTrust Bancshares' value of 12.03% is 7.4% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #674 out of 1522 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' Return-on-Tangible-Equity compare to CCBG and GSBC?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #674 out of 1522 companies for Return-on-Tangible-Equity. This puts HomeTrust Bancshares in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.21. HomeTrust Bancshares' value of 12.03% is 7.4% above this benchmark. Historically, HomeTrust Bancshares' own Return-on-Tangible-Equity has ranged from 2.21 to 12.17 over the past decade. While the company's 10-year median is 6.57 vs. the industry median of 11.21, 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-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current Return-on-Tangible-Equity of 12.03% is 7.4% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on HomeTrust Bancshares and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current Return-on-Tangible-Equity is 12.03%, which is 83% above median its own 10-year median of 6.57. 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 Return-on-Tangible-Equity is 12.03%, which is 83% above median its 10-year median of 6.57 and 7.4% above the Banks industry median of 11.21. 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current Return-on-Tangible-Equity is 12.03% 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:
Return-on-Tangible-Equity: 12.03% (83% above median its 10-year median of 6.57)
GF Value™: $36.24 vs. price of $49.04 (35.3% above fair value)
Industry Position: 7.4% above the Banks median (#674 of 1522)
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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