Is HomeTrust Bancshares, Inc. overvalued or undervalued?

As of 24 April 2025, the valuation grade for HomeTrust Bancshares, Inc. has moved from very attractive to fair. The company is currently fairly valued based on its financial metrics. Key ratios include a P/E ratio of 12, a Price to Book Value of 1.17, and an EV to EBITDA of 4.92, which align closely with industry standards.
In comparison to peers, HomeTrust's P/E ratio of 12 is slightly lower than Central Pacific Financial Corp. at 11.97 and Camden National Corp. at 11.59, both of which are considered expensive. Additionally, Independent Bank Corp. has a lower P/E of 9.42, indicating that HomeTrust is positioned competitively within its peer group. Notably, HomeTrust has outperformed the S&P 500 over the past year, with a stock return of 32.24% compared to the index's 10.26%, reinforcing its current valuation stance.