What Is HomeTrust Bancshares, Inc. (HTB) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, our multi-model framework produces a cautiously optimistic read on HomeTrust Bancshares, Inc. at $49.03. With an estimated intrinsic value of $72.78 and 7 of 12 models pointing higher, the average implied return is +48.4%. The most optimistic model, ML-RIV, places fair value at $172.20 (+251.2%), while EPV — the most conservative — estimates $11.80 (-75.9%). This +327.1% gap reflects genuine analytical uncertainty about HomeTrust Bancshares, Inc.'s intrinsic worth.
What Do the Models Say About HTB?
12 of 13 models are currently active for HTB. Of these, 8 models suggest upside while 4 models suggest overvaluation. The Bayesian DCF estimates HTB's intrinsic value at $75.64, implying +54.3% upside from the current price. See which stocks rank higher →
How Does HTB Rank in Savings Institution, Federally Chartered?
Among 36 Savings Institution, Federally Chartered stocks, HTB ranks #3 by Quality of Company score. CirclFi's QOC score of 9.1/10 evaluates 32 fundamental signals. A score of 9.1 places HTB in the top tier.
See all Most Undervalued Savings Institution, Federally Chartered Stocks →
HomeTrust Bancshares, Inc. operates in a competitive landscape where fundamental quality metrics are key differentiators for long-term value creation.
Is HTB a Value Trap?
CirclFi's Value Trap algorithm assigns HTB a score of 22/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for HomeTrust Bancshares, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, HomeTrust Bancshares, Inc. scores 9.1 out of 10 on our 32-signal quality assessment, a elite rating that ranks among the highest-quality businesses in our coverage universe. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +327.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every HTB valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across HTB's 12 active models, average confidence is 39%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
Buy with Gumroad