Is HFWA or HTB more undervalued in 2026?

CirclFi compares Heritage Financial Corporation (HFWA) and HomeTrust Bancshares, Inc. (HTB) using 13 institutional-grade valuation models. HFWA has a Quality of Company score of 8.3/10 while HTB scores 9.3/10.

Which is a better buy — HFWA or HTB?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do HFWA and HTB valuations compare?

HFWA at $27.34 and HTB at $46.95 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

HFWA vs HTB Valuation Comparison 2026 — Intrinsic Value Analysis

HFWA

Banks - Regional

Heritage Financial Corporation

Quality

8.3

out of 10

Value Trap

SAFE

Price

$27.34

Last close

Models

11/13

Active

HTB

Banks - Regional

HomeTrust Bancshares, Inc.

Quality

9.3

out of 10

Value Trap

SAFE

Price

$46.95

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	HFWA Fair Value	HFWA Upside	HTB Fair Value	HTB Upside
Bayesian DCF	Intrinsic	$14.28	-47.8%	$70.25	+49.6%
Earnings Power Value	Intrinsic	$20.99	-23.2%	$53.57	+14.1%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

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HFWA vs HTB — Which Stock Is More Undervalued?

HTB scores higher with a 9.3/10 quality rating vs HFWA's 8.3/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing Heritage Financial Corporation (HFWA) and HomeTrust Bancshares, Inc. (HTB) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

HFWA currently trades at $27.34 with a QOC of 8.3/10, while HTB trades at $46.95 with a QOC of 9.3/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).