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 $60.26 per share. The share price was $46.19 on September 25, 2026, 23% 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% | $43.81 | -5% |
| Base | 3.5% | 9.0% | $60.26 | +30% |
| Bull | 8.5% | 8.0% | $93.06 | +101% |
Sensitivity: base case value per share
| 1.5% | 2.0% | 2.5% | 3.0% | 3.5% | |
|---|---|---|---|---|---|
| 7.0% | $72.18 | $75.79 | $80.20 | $85.71 | $92.79 |
| 8.0% | $63.31 | $65.65 | $68.41 | $71.73 | $75.79 |
| 9.0% | $56.81 | $58.41 | $60.26 | $62.41 | $64.96 |
| 10.0% | $51.86 | $53.00 | $54.28 | $55.76 | $57.46 |
| 11.0% | $47.95 | $48.79 | $49.72 | $50.77 | $51.96 |
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