What is HomeTrust Bancshares, Inc. worth?
With the base-case assumptions below, a discounted cash flow model on HomeTrust Bancshares, Inc.'s reported free cash flow gives $58.73 per share. The share price was $47.43 on November 10, 2026, 19% below that value.
Inputs from the filings
Three sets of assumptions
| Case | Growth yrs 1-5 | Discount rate | Value per share | Value vs price |
|---|---|---|---|---|
| Bear | -1.5% | 10.0% | $42.28 | -11% |
| Base | 3.5% | 9.0% | $58.73 | +24% |
| Bull | 8.5% | 8.0% | $91.53 | +93% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $70.65 | $74.26 | $78.67 | $84.18 | $91.27 |
| 8.0% | $61.78 | $64.12 | $66.89 | $70.21 | $74.26 |
| 9.0% | $55.29 | $56.89 | $58.73 | $60.89 | $63.43 |
| 10.0% | $50.33 | $51.47 | $52.76 | $54.23 | $55.93 |
| 11.0% | $46.43 | $47.26 | $48.19 | $49.24 | $50.43 |
Where the presets come from
Base: years 1 to 5 grow at HomeTrust Bancshares, Inc.'s revenue growth rate over the last 4 fiscal years (3.6% a year), held between -5% and 15%. Years 6 to 10 grow halfway between that and the long-run rate of 2.5%. Future cash is discounted at 9% a year.
Bear: 5 points less growth, 2% long-run growth, 10% discount rate. Bull: 5 points more growth (at most 25%), 3% long-run growth, 8% discount rate.
Value per share = (present value of 10 years of free cash flow + present value of everything after + cash - debt) / diluted shares.
This is a model run on assumptions, not a recommendation or a price target. Small changes in the discount rate or growth move the result a lot, as the table above shows. Change them yourself in the calculator.
Adjust the assumptions
Move the sliders for growth, long-run growth and discount rate, or switch to average free cash flow, and see the value per share change.
Adjust the assumptions