HTB vs. CVS

Last updated Jun 23, 2026

HTB (HomeTrust Bancshares, Inc) and CVS (CVS Health Corporation) are both stocks. HTB operates in Banks - Regional (Financial Services), while CVS operates in Healthcare Plans (Healthcare). Over the past year, HTB returned 36.21% vs 57.74% for CVS. At a 0.04 correlation, their price movements are largely independent.

Performance

HTB vs. CVS - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in HomeTrust Bancshares, Inc (HTB) and CVS Health Corporation (CVS). The values are adjusted to include any dividend payments, if applicable.

Returns By Period

In the year-to-date period, HTB achieves a 12.60% return, which is significantly lower than CVS's 29.83% return.

HTB

• 1D: -0.83%
• 1M: 2.61%
• YTD: 12.60%
• 6M: 8.07%
• 1Y: 36.21%
• 3Y*: —
• 5Y*: —
• 10Y*: —

CVS

• 1D: 3.03%
• 1M: 8.62%
• YTD: 29.83%
• 6M: 31.48%
• 1Y: 57.74%
• 3Y*: 17.81%
• 5Y*: 7.38%
• 10Y*: 3.94%

*Multi-year figures are annualized to reflect compound growth (CAGR)

HTB vs. CVS - Yearly Performance Comparison

	2026 (YTD)	2025
HTB HomeTrust Bancshares, Inc	12.60%	17.70%
CVS CVS Health Corporation	29.83%	26.73%

Correlation

The correlation between HTB and CVS is 0.02, meaning there is essentially no relationship between their price movements. Each responds to its own set of market drivers, making them strong candidates for combining in a diversified portfolio.

	Correlation
Correlation (1Y) Calculated over the trailing 1-year period	0.02
Correlation (All Time) Calculated using the full available price history since Feb 28, 2025	0.04

Fundamentals

Market Cap HTB : $803.21M CVS : $129.56B
EPS HTB : $2.93 CVS : $2.30
PE Ratio HTB : 16.40 CVS : 44.01
PS Ratio HTB : 3.73 CVS : 0.32
PB Ratio HTB : 1.36 CVS : 1.67
Total Revenue (TTM) HTB : $219.33M CVS : $407.91B
Gross Profit (TTM) HTB : $155.26M CVS : $56.59B
EBITDA (TTM) HTB : $88.78M CVS : $9.99B

Return for Risk

HTB vs. CVS — Risk / Return Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

HTB

HTB Risk / Return Rank: 83
HTB Sharpe Ratio Rank: 83
HTB Sortino Ratio Rank: 81
HTB Omega Ratio Rank: 80
HTB Calmar Ratio Rank: 87
HTB Martin Ratio Rank: 85

CVS

CVS Risk / Return Rank: 85
CVS Sharpe Ratio Rank: 87
CVS Sortino Ratio Rank: 81
CVS Omega Ratio Rank: 85
CVS Calmar Ratio Rank: 87
CVS Martin Ratio Rank: 86

The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

HTB vs. CVS - Risk-Adjusted Trends Comparison

This table presents a comparison of risk-adjusted performance metrics for HomeTrust Bancshares, Inc (HTB) and CVS Health Corporation (CVS). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.

Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.

	HTB	CVS	Difference
Sharpe ratio: Return per unit of total volatility	1.57	1.86	-0.29
Sortino ratio: Return per unit of downside risk	2.31	2.28	+0.02
Omega ratio: Gain probability vs. loss probability	1.29	1.34	-0.06
Calmar ratio: Return relative to maximum drawdown	3.76	3.53	+0.23
Martin ratio: Return relative to average drawdown	8.17	9.08	-0.90

HTB vs. CVS - Sharpe Ratio Comparison

The current HTB Sharpe Ratio is 1.57, which is comparable to the CVS Sharpe Ratio of 1.86. The chart below compares the historical Sharpe Ratios of HTB and CVS, calculated using daily returns over the previous 12 months. A higher Sharpe Ratio indicates better risk-adjusted performance relative to the risk-free rate.

Drawdowns

HTB vs. CVS - Drawdown Comparison

The maximum HTB drawdown since its inception was -13.10%, smaller than the maximum CVS drawdown of -64.07%. Use the drawdown chart below to compare losses from any high point for HTB and CVS.

Drawdown Indicators

	HTB	CVS	Difference
Max Drawdown Largest peak-to-trough decline	-13.10%	-64.07%	+50.97%
Max Drawdown (1Y) Largest decline over 1 year	-9.67%	-16.44%	+6.77%
Max Drawdown (3Y) Largest decline over 3 years	—	-43.98%	—
Max Drawdown (5Y) Largest decline over 5 years	—	-56.79%	—
Max Drawdown (10Y) Largest decline over 10 years	—	-56.79%	—
Current Drawdown Current decline from peak	-0.83%	-0.65%	-0.18%
Average Drawdown Average peak-to-trough decline	-3.95%	-19.53%	+15.58%
Ulcer Index Depth and duration of drawdowns from previous peaks	4.44%	6.38%	-1.94%

Volatility

HTB vs. CVS - Volatility Comparison

The current volatility for HomeTrust Bancshares, Inc (HTB) is 4.74%, while CVS Health Corporation (CVS) has a volatility of 7.77%. This indicates that HTB experiences smaller price fluctuations and is considered to be less risky than CVS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.

Volatility by Period

	HTB	CVS	Difference
Volatility (1M) Calculated over the trailing 1-month period	4.74%	7.77%	-3.03%
Volatility (6M) Calculated over the trailing 6-month period	15.74%	25.91%	-10.17%
Volatility (1Y) Calculated over the trailing 1-year period	23.25%	31.27%	-8.02%
Volatility (5Y) Calculated over the trailing 5-year period, annualized	24.32%	30.01%	-5.69%
Volatility (10Y) Calculated over the trailing 10-year period, annualized	24.32%	29.34%	-5.02%

Dividends

HTB vs. CVS - Dividend Comparison

HTB's dividend yield for the trailing twelve months is around 1.10%, less than CVS's 2.63% yield.

Position	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
CVS CVS Health Corporation	2.63%	3.35%	5.93%	3.06%	2.36%	1.94%	2.93%	2.69%	3.05%	2.76%	2.15%	1.43%
HTB HomeTrust Bancshares, Inc	1.10%	0.58%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Financials

Frequently Asked Questions

Can I hold both HTB and CVS in my portfolio?

HTB and CVS have a correlation of 0.02, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.

Which is riskier, HTB or CVS?

CVS has higher volatility (7.77%) compared to HTB (4.74%). In terms of maximum drawdown, HTB dropped -13.10% vs CVS's -64.07%.

Which has better risk-adjusted returns?

CVS currently has the higher Sharpe Ratio (1.86 vs 1.57), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.