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HTB

HomeTrust Bancshares, Inc.

HTB

HomeTrust Bancshares, Inc. • NYSE
$41.01 ▼ -0.53% (-0.22)
Market Cap $715.38 M
52w High $42.96
52w Low $30.95
Dividend Yield 0.52%
P/E 11.33
Volume 21.99K
Outstanding Shares 17.44M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $74.146M ▲ $31.266M ▲ $16.491M ▼ 22.241% ▼ $0.96 ▼ $43.045M ▲
Q2-2025 $72.322M ▲ $29.779M ▼ $17.21M ▲ 23.796% ▲ $1.01 ▲ $24.058M ▲
Q1-2025 $71.662M ▼ $30.961M ▼ $14.539M ▲ 20.288% ▲ $0.84 ▲ $22.581M ▲
Q4-2024 $74.441M ▼ $34.009M ▲ $14.208M ▲ 19.086% ▲ $0.839 ▲ $21.734M ▲
Q3-2024 $74.931M $30.585M $13.112M 17.499% $0.77 $21.622M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $161.117M ▼ $4.592B ▲ $3.996B ▲ $595.833M ▲
Q1-2025 $476.208M ▲ $4.558B ▼ $3.993B ▼ $565.449M ▲
Q4-2024 $459.768M ▼ $4.595B ▼ $4.044B ▼ $551.758M ▲
Q3-2024 $463.319M ▲ $4.637B ▼ $4.097B ▼ $540.004M ▲
Q2-2024 $460.456M $4.671B $4.147B $523.628M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q1-2025 $14.539M ▲ $71.689M ▲ $5.648M ▼ $-56.731M ▼ $20.606M ▲ $68.578M ▲
Q4-2024 $14.208M ▲ $4.302M ▼ $37.475M ▲ $-56.035M ▼ $-14.258M ▼ $2.758M ▼
Q3-2024 $13.112M ▲ $43.779M ▲ $6.342M ▲ $-50.834M ▼ $-713K ▲ $39.836M ▲
Q2-2024 $12.418M ▼ $5.922M ▲ $-70.683M ▼ $-21.542M ▼ $-86.303M ▼ $-1.358M ▲
Q1-2024 $15.067M $-9.034M $48.147M $-5.76M $33.353M $-13.006M

Five-Year Company Overview

Income Statement

Income Statement HomeTrust’s income statement shows a steady, healthy climb over the last five years. Revenue has grown at a solid pace, and profits have generally risen along with it. Earnings per share have moved up meaningfully, which signals that growth is translating into benefits for shareholders, not just bigger operations. Profitability looks fairly consistent, with operating and net income holding up even as the rate environment has become more challenging. The main risk is typical for a regional bank: earnings are sensitive to interest rate swings and to the health of local borrowers, so results could weaken if credit losses rise or funding costs stay elevated.

Balance Sheet

Balance Sheet The balance sheet looks conservative and gradually stronger. Total assets have grown from a smaller base and then leveled out, suggesting the bank has moved from a fast build-out phase to a more selective growth mode. Shareholders’ equity has risen steadily, which points to retained profits and a thicker capital cushion. Reported debt is low and has come down from its peak, which reduces financial strain and interest costs. Cash and liquid resources appear stable, indicating a reasonable liquidity position. As with any bank, the true risk picture also depends on loan quality and deposit mix, which are not fully visible here.

Cash Flow

Cash Flow Cash flow is generally solid with some normal banking volatility. Most years show positive cash generated by the core business, with one year dipping negative, which in a bank often reflects shifts in lending and funding rather than an operational breakdown. Free cash flow has been positive in most periods, suggesting the bank is generating more cash than it is consuming, even after its regular investments. Spending on capital projects and technology looks modest but consistent, implying measured investment rather than an aggressive build-out. Overall, cash flow supports the idea of a stable, self-funding franchise, but the swings remind us that bank cash flows can be lumpy year to year.

Competitive Edge

Competitive Edge HomeTrust sits in the classic community and regional bank niche, with its edge built on relationships rather than sheer scale. Its strengths are local market knowledge, long-standing community presence, and a strong focus on small and mid-sized businesses and commercial clients. These customers often value personal service, tailored lending, and access to decision-makers, which can make them quite loyal. Strategic acquisitions have expanded its footprint in the Southeast and deepened that local scale. The flip side is competition from much larger banks with broader product sets and from digital-first players that can undercut on convenience and price. HomeTrust’s moat is real but narrow: it relies on maintaining trust, service quality, and relevance in its chosen markets.

Innovation and R&D

Innovation and R&D Instead of heavy in-house development, HomeTrust leans on partnerships with well-known fintech and technology providers. It offers differentiated digital platforms for smaller businesses and larger commercial clients, partners with specialists for automated payables and mortgage processing, and runs on established core banking and cloud infrastructure. This “partner-first” strategy keeps it relatively nimble and reduces the need for massive tech budgets. Recent senior hires focused on technology and digital strategy suggest a more deliberate modernization push, including potential use of AI in operations and underwriting. The main opportunity is to close the gap with bigger banks on digital experience without losing its personal touch; the main risk is execution—modernizing a dated tech base while relying on multiple partners can be complex.

Summary

Overall, HomeTrust looks like a steadily growing regional bank with improving profitability, a stronger capital base, and generally healthy cash generation. Its identity is rooted in relationship banking and community presence, especially for business and commercial customers, while its technology strategy focuses on smart partnerships rather than building everything itself. The story going forward hinges on three things: how well it manages credit quality through economic cycles, how it navigates interest rate and funding cost pressures, and how effectively it delivers on its digital transformation plans. If it can balance those elements while preserving its community-bank strengths, it may continue to build on the stable foundation seen in its recent financial trends.

NEWS

November 17, 2025 · 8:00 AM UTC

HomeTrust Bank Recognized Nationally with Three Workplace Awards, Advances to Top 100 Most Loved Workplace®

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October 22, 2025 · 8:45 AM UTC

HomeTrust Bancshares, Inc. Announces Financial Results for the Third Quarter of the Year Ending December 31, 2025 and an Increase in the Quarterly Dividend

Read more