Stock fact sheet · data as of
HomeTrust Bancshares, Inc. (HTB): fair value, margin of safety and Wheel Score
Ticker symbol HTB · Financial Services · Banks - Regional · United States · Value
Is HTB undervalued?
HomeTrust Bancshares, Inc. (HTB) closed at 47.84 on 5 Nov 2026. The GLS average fair value - the simple average of the 9 valuation models that produced a positive number - is 96.20, which puts the price 50% below it. 6 of the 9 models value the shares above the current price. A gap this wide is rare in our universe of ~7,400 US stocks and is exactly what the Value part of the Wheel Score rewards; it is also where the question "why is it this cheap?" matters most.
The 9 models disagree widely: DDM gives 8.24 while Payback Time gives 225.83. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, HTB is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 67, growth score 42, out of 100).
Nine valuation models for HTB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 40.27 | -16% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 58.08 | +21% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 130.28 | +172% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 48.85 | +2% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 153.69 | +221% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 154.08 | +222% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 225.83 | +372% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 8.24 | -83% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 46.46 | -3% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -218.06 | -556% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 57.00 | +19% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
On financial health HTB scores 7/9 (Piotroski): most of the nine tests - positive earnings and cash flow, falling debt, rising margins and turnover - are passed, which is the kind of balance sheet a wheel trader is happy to be assigned. The GLS Moat score is 5.2 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 10.5%, ROE 10.7%, ROA 1.4% - with debt at 0.02 times equity and a free-cash-flow yield of 14.1%.
The dividend yield is 1.17% with a payout ratio of 10% - a small yield that leaves most of the earnings in the business.
Institutional ownership scores 5/10, insider activity 4/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 7 / 9 | ROIC | 10.5% |
|---|---|---|---|
| GLS Moat | 5.2 / 10 | ROE | 10.7% |
| Debt / equity | 0.02 | ROA | 1.4% |
| Free-cash-flow yield | 14.1% | Payout ratio | 10% |
| Institutions | 5 / 10 | Insiders · Congress | 4 · 5 / 10 |
Wheel Score 45: Weak
HTB scores 45 out of 100 on the Wheel Score, in the Weak band (under 50): it fails filter 1, options that actually trade - options too quiet (17 open interest, 12 a day); and filter 8, big enough - market cap $757M (under $1.0B), and the parts are thin too - value strong, premium good, moat fair, health good, red flags good, option trading weak, stability fair. The score is not a judgement on the company; it says the price, quality and premium do not line up for selling puts on it today.
Implied volatility is 31% on the near-the-money contracts 20-60 days out: enough to pass the 25-80% Wheel Trade Filter, but under the 35-60% sweet spot the score rewards most. Chain open interest is thin - 17 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 115k shares a day on a market cap of $757M, with a beta of 0.79 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (17 open interest, 12 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Fails | market cap $757M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 50% below fair value | |
| Premium | Good | implied volatility 31% | |
| Moat | Fair | moat 5.2/10 | |
| Health | Good | Piotroski 7/9 | |
| Red Flags | Good | Red Flags score 80/100 | |
| Option trading | Weak | 12 contracts a day, 17 open interest | |
| Stability | Fair | beta 0.79, $757M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 28 Jan 2027, 84 days away - outside the window of a 30-45-day put sold today. The shares go ex-dividend on 12 Nov 2026 (0.1500 per share), so a covered call sold before then carries a small early-assignment risk around that date.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to HomeTrust Bancshares, Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| PFIS Peoples Financial Services Corp. | 74.69 | 88.97 | +16% | 27No options | $748M |
| WASH Washington Trust Bancorp, Inc. | 40.28 | 37.54 | -7% | 39Weak | $768M |
| VBNK VersaBank | 22.95 | 27.16 | +15% | 41Weak | $744M |
| SHBI Shore Bancshares, Inc. | 23.13 | 28.79 | +20% | 48Weak | $770M |
| AROW Arrow Financial Corporation | 39.54 | 37.39 | -6% | 27Weak | $733M |
| FISI Financial Institutions, Inc. | 40.44 | 40.90 | +1% | 34Weak | $789M |
| AGBK AGI Inc | 4.94 | 30.68 | +84% | 30No options | $790M |
| SMBC Southern Missouri Bancorp, Inc. | 72.57 | 96.32 | +25% | 46Weak | $799M |
| CBNK Capital Bancorp, Inc. | 43.78 | 44.89 | +2% | 20Weak | $715M |
| BCAL California BanCorp | 22.19 | 40.61 | +45% | 33No options | $713M |
| BHB Bar Harbor Bankshares | 42.51 | 39.72 | -7% | 31Weak | $713M |
| CUBB Customers Bancorp, Inc 5.375% S | 20.76 | 229.32 | +91% | 24No options | $709M |
⚖ Compare HTB with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about HTB
Is HTB undervalued right now?
By the GLS models, yes: at 47.84 the stock is 50% below the average fair value of 96.20 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of HTB and what does it mean?
HTB scores 45 out of 100 (Weak) - it fails Wheel Trade Filters 1, 8. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for HTB?
96.20 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does HomeTrust Bancshares, Inc. report earnings next?
The next earnings report is due on 28 Jan 2027, 84 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does HTB have listed options, and how liquid are they?
Yes. The nightly snapshot found 32 listed contracts with 17 open interest across all expiries and implied volatility of 31% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.