HTB (HomeTrust Bancshares) Scaled Net Operating Assets: 0.05 (As of Mar. 2026)


HTB HomeTrust Bancshares Inc HTB
70 GF Score
Price $48.98
GF Value $36.24
Valuation Significantly Overvalued
! 5 Warning Signs
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What is HomeTrust Bancshares Scaled Net Operating Assets?

HomeTrust Bancshares HTB +0.27% 70 Scaled Net Operating Assets is 0.05 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

HomeTrust Bancshares's operating assets for the quarter that ended in Mar. 2026 was $3,922.3 Mil. HomeTrust Bancshares's operating liabilities for the quarter that ended in Mar. 2026 was $3,693.7 Mil. HomeTrust Bancshares's Total Assets for the quarter that ended in Dec. 2025 was $4,545.6 Mil. Therefore, HomeTrust Bancshares's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.05.

HTB
70GF Score
HomeTrust Bancshares Inc HTB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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HomeTrust Bancshares Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

HomeTrust Bancshares's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(4202.102-3934.725)/4595.43
=0.06

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4545.635 - 343.533
=4202.102

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3944.945 - 10.22 - 0
=3934.725

HomeTrust Bancshares's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(3922.3-3693.689)/4545.635
=0.05

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=4386.341 - 464.041
=3922.3

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=3793.934 - 100.245 - 0
=3693.689

* 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.

What does a Scaled Net Operating Assets of 0.05 mean?
HomeTrust Bancshares (HTB) has a Scaled Net Operating Assets of 0.05 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on HomeTrust Bancshares and its competitors.
Is HomeTrust Bancshares' Scaled Net Operating Assets too high?
HomeTrust Bancshares' current Scaled Net Operating Assets is 0.05. 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' Scaled Net Operating Assets compare to CCBG and GSBC?
HomeTrust Bancshares' Scaled Net Operating Assets of 0.05 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on HomeTrust Bancshares and its competitors. HomeTrust Bancshares's current Scaled Net Operating Assets is 0.05. 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 $48.98 — trading 35.2% above its estimated fair value. The current Scaled Net Operating Assets is 0.05. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current Scaled Net Operating Assets is 0.05 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 $48.98 is trading 35.2% above its estimated GF Value™ of $36.24. GuruFocus considers HomeTrust Bancshares to be Significantly Overvalued.

Key valuation signals for HTB:

  • Scaled Net Operating Assets: 0.05
  • GF Value™: $36.24 vs. price of $48.98 (35.2% 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

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Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$48.98
Price
$36.24
GF Value