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HomeTrust BancsharesHTB +0.45%72 Shiller PE Ratio is 22.04 as of Jul. 25, 2026, which is 1% above its 10-year median of 21.75. GuruFocus rates HTB with a GF Score™ of 72/100 and a GF Value™ of $36.32 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,238 Banks companies, HomeTrust Bancshares ranks worse than 82.79% on this metric.
The historical rank and industry rank for HomeTrust Bancshares's Shiller PE Ratio or its related term are showing as below:
HTB'
s Shiller PE Ratio Range Over the Past 10 Years
Min: 14.53 Med: 21.75 Max: 41.9
Current: 22.04
During the past years, HomeTrust Bancshares's highest Shiller PE Ratio was 41.90. The lowest was 14.53. And the median was 21.75.
HTB's Shiller PE Ratio is ranked worse than 82.79% of 1238
companies
in the Banks industry
Industry Median: 13.8
vs HTB: 22.04
E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.
HomeTrust Bancshares's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.990. Add all the adjusted EPS for the past 10 years together and divide 10 will get our E10, which is $2.21 for the trailing ten years ended in Mar. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
HomeTrust Bancshares (NYSE:HTB) Shiller PE Ratio Explanation
Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.
Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.
Be Aware
Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.
HomeTrust Bancshares Shiller PE Ratio Related Terms
HomeTrust Bancshares Shiller PE Ratio Historical Data
* Premium members only.
The historical data trend for HomeTrust Bancshares's Shiller PE Ratio 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: Shiller PE Ratio Comparison
For the Banks - Regional subindustry, HomeTrust Bancshares's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's Shiller PE Ratio distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's Shiller PE Ratio falls into.
For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.
* 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.
Add all the adjusted EPS together and divide 10 will get our E10.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
HomeTrust Bancshares (HTB) has a Shiller PE Ratio of 22.04 as of Jul. 25, 2026. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on HomeTrust Bancshares and its competitors. This is near median its historical median of 21.75. Over the past decade, HomeTrust Bancshares' Shiller PE Ratio has ranged from 14.53 to 41.90. According to the industry distribution chart, HomeTrust Bancshares ranks #1025 out of 1238 companies in the Banks industry, placing it in the top 82.8%.
Is HomeTrust Bancshares' Shiller PE Ratio too high?
HomeTrust Bancshares' current Shiller PE Ratio of 22.04 is near median its 10-year median of 21.75. Over the past 10 years, this metric has ranged from a low of 14.53 to a high of 41.90. The Banks industry median Shiller PE Ratio is 13.80. HomeTrust Bancshares' value of 22.04 is 59.7% above this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #1025 out of 1238 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, HomeTrust Bancshares has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does HomeTrust Bancshares' Shiller PE Ratio compare to SMBK and SPFI?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #1025 out of 1238 companies for Shiller PE Ratio. This places HomeTrust Bancshares in the lower half of its industry. The industry median Shiller PE Ratio is 13.80. HomeTrust Bancshares' value of 22.04 is 59.7% above this benchmark. Historically, HomeTrust Bancshares' own Shiller PE Ratio has ranged from 14.53 to 41.90 over the past decade. While the company's 10-year median is 21.75 vs. the industry median of 13.80, 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 Shiller PE Ratio for a Banks company?
The median Shiller PE Ratio among Banks companies is 13.80, based on 1,238 companies in the industry. Companies in the top quartile (top 25%) have a Shiller PE Ratio significantly above this median, while those in the bottom quartile fall well below. However, Shiller PE Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current Shiller PE Ratio of 22.04 is 59.7% 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 Shiller PE Ratio mean?
A high Shiller PE Ratio can signal that a stock is expensive relative to its fundamentals. Shiller price-earnings ratio is the ratio of share price to a company's inflation-adjusted earnings over a 10-year period. View historical data on HomeTrust Bancshares and its competitors. For the Banks industry, the median Shiller PE Ratio is 13.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current Shiller PE Ratio is 22.04, which is near median its own 10-year median of 21.75. 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 $36.32, compared to a current price of $48.70 — trading 34.1% above its estimated fair value. The current Shiller PE Ratio is 22.04, which is near median its 10-year median of 21.75 and 59.7% above the Banks industry median of 13.80. HomeTrust Bancshares' overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Shiller PE Ratio calculated?
Shiller PE Ratio is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current Shiller PE Ratio is 22.04 as of Jul. 25, 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 $48.70 is trading 34.1% above its estimated GF Value™ of $36.32.
GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.
Key valuation signals for HTB:
Shiller PE Ratio: 22.04 (near median its 10-year median of 21.75)
GF Value™: $36.32 vs. price of $48.70 (34.1% above fair value)
Industry Position: 59.7% above the Banks median (#1025 of 1238)
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.
72GF Score
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