Is HomeTrust Bancshares, Inc. overvalued or undervalued?

As of 7 July 2025, the valuation grade for HomeTrust Bancshares, Inc. has moved from expensive to fair, indicating a more favorable assessment of its market position. The company appears fairly valued based on its current metrics, with a P/E ratio of 12, a Price to Book Value of 1.17, and an EV to EBITDA of 4.92. In comparison to its peers, CNB Financial Corp. has a higher P/E ratio of 13.93, while Camden National Corp. is considered attractive with a lower P/E of 11.68, suggesting that HomeTrust is competitively positioned within its industry.
In terms of recent performance, HomeTrust Bancshares has outperformed the S&P 500, with a year-to-date return of 26.45% compared to the index's 12.22%. This strong performance, coupled with a solid ROCE of 21.91% and a dividend yield of 1.23%, reinforces the notion that the stock is fairly valued in the current market environment.