HomeTrust BancsharesHTB +0.14%70 5-Year Yield-on-Cost % is 1.97 as of Jun. 28, 2026, which is 7% below its 10-year median of 2.12. 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. Among 1,256 Banks companies, HomeTrust Bancshares ranks worse than 82.32% on this metric.
HomeTrust Bancshares's yield on cost for the quarter that ended in Mar. 2026 was 1.97.
The historical rank and industry rank for HomeTrust Bancshares's 5-Year Yield-on-Cost % or its related term are showing as below:
HTB'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.4 Med: 2.12 Max: 3.76
Current: 1.97
During the past 13 years, HomeTrust Bancshares's highest Yield on Cost was 3.76. The lowest was 0.40. And the median was 2.12.
HTB's 5-Year Yield-on-Cost % is ranked worse than 82.32% of 1256
companies
in the Banks industry
Industry Median: 3.955
vs HTB: 1.97
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
HomeTrust Bancshares 5-Year Yield-on-Cost % Related Terms
HTB vs CCBG, GSBC, SPFI: 5-Year Yield-on-Cost % Comparison
For the Banks - Regional subindustry, HomeTrust Bancshares's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Banks Industry
For the Banks industry and Financial Services sector, HomeTrust Bancshares's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where HomeTrust Bancshares's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
HomeTrust Bancshares (HTB) has a 5-Year Yield-on-Cost % of 1.97 as of Jun. 28, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on HomeTrust Bancshares and its competitors. This is near median its historical median of 2.12. Over the past decade, HomeTrust Bancshares' 5-Year Yield-on-Cost % has ranged from 0.40 to 3.76. According to the industry distribution chart, HomeTrust Bancshares ranks #1034 out of 1256 companies in the Banks industry, placing it in the top 82.3%.
Is HomeTrust Bancshares' 5-Year Yield-on-Cost % too high?
HomeTrust Bancshares' current 5-Year Yield-on-Cost % of 1.97 is near median its 10-year median of 2.12. Over the past 10 years, this metric has ranged from a low of 0.40 to a high of 3.76. The Banks industry median 5-Year Yield-on-Cost % is 3.96. HomeTrust Bancshares' value of 1.97 is 50.2% below this industry median. Based on the distribution chart, HomeTrust Bancshares ranks #1034 out of 1256 companies in the Banks industry, which is in the bottom quartile relative to peers. 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' 5-Year Yield-on-Cost % compare to CCBG and GSBC?
According to the Banks industry distribution chart, HomeTrust Bancshares ranks #1034 out of 1256 companies for 5-Year Yield-on-Cost %. This places HomeTrust Bancshares in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.96. HomeTrust Bancshares' value of 1.97 is 50.2% below this benchmark. Historically, HomeTrust Bancshares' own 5-Year Yield-on-Cost % has ranged from 0.40 to 3.76 over the past decade. While the company's 10-year median is 2.12 vs. the industry median of 3.96, HomeTrust Bancshares has consistently been below 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 5-Year Yield-on-Cost % for a Banks company?
The median 5-Year Yield-on-Cost % among Banks companies is 3.96, based on 1,256 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. HomeTrust Bancshares's current 5-Year Yield-on-Cost % of 1.97 is 50.2% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on HomeTrust Bancshares and its competitors. For the Banks industry, the median 5-Year Yield-on-Cost % is 3.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HomeTrust Bancshares's current 5-Year Yield-on-Cost % is 1.97, which is near median its own 10-year median of 2.12. 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 5-Year Yield-on-Cost % is 1.97, which is near median its 10-year median of 2.12 and 50.2% below the Banks industry median of 3.96. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For HomeTrust Bancshares (HTB), the current 5-Year Yield-on-Cost % is 1.97 as of Jun. 28, 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:
5-Year Yield-on-Cost %: 1.97 (near median its 10-year median of 2.12)
GF Value™: $36.24 vs. price of $49.04 (35.3% above fair value)
Industry Position: 50.2% below the Banks median (#1034 of 1256)
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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