HTB (HomeTrust Bancshares) 1-Year Sharpe Ratio: 1.85 (As of Jul. 03, 2026)


HTB HomeTrust Bancshares Inc HTB
70 GF Score
Price $49.43
GF Value $36.26
Valuation Significantly Overvalued
! 5 Warning Signs
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What is HomeTrust Bancshares 1-Year Sharpe Ratio?

HomeTrust Bancshares HTB -2.70% 70 1-Year Sharpe Ratio is 1.85 as of Jul. 03, 2026. GuruFocus rates HTB with a GF Score™ of 70/100 and a GF Value™ of $36.26 (Significantly Overvalued). The stock has 5 warning signs investors should review.

The 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk over the past year. As of today (2026-07-03), HomeTrust Bancshares's 1-Year Sharpe Ratio is 1.85.

HomeTrust Bancshares  (NYSE:HTB) 1-Year Sharpe Ratio Explanation

The 1-Year Sharpe Ratio inidicates the risk-adjusted return of an investment over the past year. It is calculated as the annualized result of the average monthly excess return divided by its standard deviation over the past year. The monthly excess return is the monthly investment return minus the monthly risk-free rate (typically the 10-year Treasury Constant Maturity Rate). If the risk-free rate for a specific region is not available, U.S. data is used by default.

The greater a portfolio's Sharpe Ratio, the better its risk-adjusted performance. A negative Sharpe Ratio means the risk-free rate is greater than the portfolio’s historical or projected return, or else the portfolio's return is expected to be negative.

HomeTrust Bancshares 1-Year Sharpe Ratio Related Terms

HTB vs SMBK, SPFI, ORRF: 1-Year Sharpe Ratio Comparison

For the Banks - Regional subindustry, HomeTrust Bancshares's 1-Year Sharpe Ratio, along with its competitors' market caps and 1-Year Sharpe Ratio 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 1-Year Sharpe Ratio vs Banks Industry

For the Banks industry and Financial Services sector, HomeTrust Bancshares's 1-Year Sharpe Ratio distribution charts can be found below:

* The bar in red indicates where HomeTrust Bancshares's 1-Year Sharpe Ratio falls into.


HTB
70GF Score
HomeTrust Bancshares Inc HTB
1-Year Sharpe Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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HomeTrust Bancshares 1-Year Sharpe Ratio Calculation

The 1-Year Sharpe Ratio measures the performance of an investment such as a stock or portfolio compared to a risk-free asset. A stock / portfolio's 1-Year Sharpe Ratio can be calculated by dividing the difference between the one-year returns of the investment and the risk-free rate, by the standard deviation of the investment returns over one year.

Frequently Asked Questions Learn more about 1-Year Sharpe Ratio →
What does a 1-Year Sharpe Ratio of 1.85 mean?
HomeTrust Bancshares (HTB) has a 1-Year Sharpe Ratio of 1.85 as of Jul. 03, 2026. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for HomeTrust Bancshares and its competitors.
Is HomeTrust Bancshares' 1-Year Sharpe Ratio too high?
HomeTrust Bancshares' current 1-Year Sharpe Ratio is 1.85. 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' 1-Year Sharpe Ratio compare to SMBK and SPFI?
HomeTrust Bancshares' 1-Year Sharpe Ratio of 1.85 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 1-Year Sharpe Ratio for a Banks company?
A good 1-Year Sharpe Ratio depends on the Banks industry context. However, 1-Year Sharpe Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 1-Year Sharpe Ratio mean?
A high 1-Year Sharpe Ratio can signal that a stock is expensive relative to its fundamentals. 1-Year Sharpe Ratio measures the additional return that an investor receives per unit of increase in risk. View historical data for HomeTrust Bancshares and its competitors. HomeTrust Bancshares's current 1-Year Sharpe Ratio is 1.85. 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 $36.26, compared to a current price of $49.43 — trading 36.3% above its estimated fair value. The current 1-Year Sharpe Ratio is 1.85. 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 1-Year Sharpe Ratio calculated?
1-Year Sharpe Ratio is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current 1-Year Sharpe Ratio is 1.85 as of Jul. 03, 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 $49.43 is trading 36.3% above its estimated GF Value™ of $36.26. GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.

Key valuation signals for HTB:

  • 1-Year Sharpe Ratio: 1.85
  • GF Value™: $36.26 vs. price of $49.43 (36.3% 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

1-Year Sharpe Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$49.43
Price
$36.26
GF Value