HomeTrust Bancshares, Inc. (HTB)
Savings Institution, Federally Chartered · Financial Services · $799M
Intrinsic Value (Consensus)
$65.40
Current Price
$47.53
Margin of Safety
+37.6%
37.6% Below Intrinsic Value
Value: $65
Price: $48
Valuation Model Estimates
Current Price: $47.53
DCF (Discounted Cash Flow)
$96.37
Graham Number
$54.70
Earnings Power Value
$36.12
Relative Value (P/E)
$74.40
Dividend Discount Model
$0.04
Consensus Value
$65.40
Model Assumptions
Discount Rate
10.3%
Growth Rate
16.3%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
67
Profitability
18/25
Strength
17/25
Valuation
22/25
Growth
10/25
Financial Health Signals
Declining revenue — top line is shrinking
Strong earnings growth (16% YoY)
Key Financials
- EPS (TTM)
- $3.72
- EPS (Forward)
- $4.32
- Book Value
- $35.75
- P/E Ratio
- 20.0
- Forward P/E
- 17.2
- PEG Ratio
- —
- ROE
- 10.7%
- Debt/Equity
- —
- Revenue Growth
- -1.9%
- Earnings Growth
- 16.3%
- Dividend Yield
- 0.0%
- Beta
- 1.00
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Data last updated: 2026-06-16
Source: Yahoo Finance