Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
HomeTrust Bancshares's 3-Year RORE % for the quarter that ended in Mar. 2026 was 4.56%.
The industry rank for HomeTrust Bancshares's 3-Year RORE % or its related term are showing as below:
HTB's 3-Year RORE % is ranked worse than 63.72% of 1469
companies
in the Banks industry
Industry Median: 9.87
vs HTB: 4.56
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
HomeTrust Bancshares 3-Year RORE % Related Terms
HomeTrust Bancshares 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for HomeTrust Bancshares's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
HomeTrust Bancshares (HTB) has a 3-Year RORE % of 4.56 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on HomeTrust Bancshares and its competitors. According to the industry distribution chart, HomeTrust Bancshares ranks #936 out of 1469 companies in the Banks industry, placing it in the top 63.7%.
Is HomeTrust Bancshares' 3-Year RORE % too high?
HomeTrust Bancshares' current 3-Year RORE % is 4.56. The Banks industry median 3-Year RORE % is 9.87. HomeTrust Bancshares' value of 4.56 is 53.8% below this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #936 out of 1469 companies in the Banks industry, which is below 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' 3-Year RORE % compare to CCBG and GSBC?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #936 out of 1469 companies for 3-Year RORE %. This places HomeTrust Bancshares in the lower half of its industry. The industry median 3-Year RORE % is 9.87. HomeTrust Bancshares' value of 4.56 is 53.8% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.87, based on 1,469 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current 3-Year RORE % of 4.56 is 53.8% below 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on HomeTrust Bancshares and its competitors. For the Banks industry, the median 3-Year RORE % is 9.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current 3-Year RORE % is 4.56. 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 3-Year RORE % is 4.56 and 53.8% below the Banks industry median of 9.87. 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 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current 3-Year RORE % is 4.56 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:
3-Year RORE %: 4.56
GF Value™: $36.24 vs. price of $49.04 (35.3% above fair value)
Industry Position: 53.8% below the Banks median (#936 of 1469)
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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