HTB (HomeTrust Bancshares) Risk Assessment


HTB HomeTrust Bancshares Inc HTB
70 GF Score
Price $49.04
GF Value $36.24
Valuation Significantly Overvalued
! 5 Warning Signs
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What is HomeTrust Bancshares Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of HomeTrust Bancshares is: High Risk: High uncertainty with risk-return tradeoff.

HomeTrust Bancshares  (NYSE:HTB) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

HomeTrust Bancshares Risk Assessment Related Terms

HTB vs CCBG, GSBC, SPFI: Risk Assessment Comparison

For the Banks - Regional subindustry, HomeTrust Bancshares's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Banks Industry

For the Banks industry and Financial Services sector, HomeTrust Bancshares's Risk Assessment distribution charts can be found below:

* The bar in red indicates where HomeTrust Bancshares's Risk Assessment falls into.


HTB
70GF Score
HomeTrust Bancshares Inc HTB
Risk Assessment is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Risk Assessment:
  • GF Value™: $36.24 vs. price of $49.04 (35.3% 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

Get the complete analysis for HTB

Risk Assessment is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$49.04
Price
$36.24
GF Value