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HomeTrust Bancshares (HTB) Financials

HomeTrust Bancshares logo
$48.31 -0.23 (-0.47%)
Closing price 03:59 PM Eastern
Extended Trading
$48.34 +0.02 (+0.05%)
As of 04:15 PM Eastern
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Annual Income Statements for HomeTrust Bancshares

Annual Income Statements for HomeTrust Bancshares

This table shows HomeTrust Bancshares' income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 12/31/2024 12/31/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 11 12 211 27 23 16 36 45 55 64 64
Consolidated Net Income / (Loss)		 11 12 8.24 27 23 16 36 45 55 64 64
Net Income / (Loss) Continuing Operations		 11 12 211 27 23 16 36 45 55 64 64
Total Pre-Tax Income 		16 17 35 34 29 19 45 57 70 81 81
Total Revenue		 96 107 323 130 134 143 150 188 203 213 213
Net Interest Income / (Expense)		 82 91 101 107 104 103 111 157 170 177 177
Total Interest Income		 88 99 336 137 136 119 116 187 262 256 256
Loans and Leases Interest Income		 78 90 105 122 122 112 110 176 248 240 240
Investment Securities Interest Income		 5.62 5.64 124 7.03 8.09 5.73 4.79 9.56 7.93 16 16
Deposits and Money Market Investments Interest Income		 3.69 3.73 5.94 8.28 5.99 1.21 1.72 1.30 6.05 0.00 0.00
Total Interest Expense		 6.04 8.25 32 30 32 15 5.34 30 92 79 79
Deposits Interest Expense		 4.53 4.59 6.76 16 23 9.37 5.26 26 87 78 78
Long-Term Debt Interest Expense		 1.51 3.66 25 15 9.31 6.04 0.08 4.19 4.67 1.80 1.80
Total Non-Interest Income		 14 16 19 23 30 40 39 31 33 36 36
Other Service Charges		 13 11 12 14 15 16 16 16 16 17 17
Net Realized & Unrealized Capital Gains on Investments		 0.01 3.08 4.44 6.22 9.95 16 15 7.71 6.24 9.21 9.21
Other Non-Interest Income		 1.64 2.09 2.12 3.04 5.60 7.76 8.39 7.59 12 11 11
Provision for Credit Losses		 0.00 0.00 0.00 5.70 8.50 -7.14 -0.59 15 7.55 6.94 6.94
Total Non-Interest Expense		 80 90 85 90 97 131 105 116 125 125 125
Salaries and Employee Benefits		 42 46 48 52 57 63 60 62 68 73 73
Net Occupancy & Equipment Expense		 15 16 16 17 17 19 20 22 22 21 21
Marketing Expense		 2.04 1.67 1.48 1.85 1.87 1.63 2.58 2.14 1.89 1.88 1.88
Property & Liability Insurance Claims		 1.99 1.38 1.62 1.43 0.90 1.80 1.71 2.25 2.23 1.94 1.94
Other Operating Expenses		 14 14 15 15 19 43 21 21 21 19 19
Depreciation Expense		 - - - - - - - - 7.73 7.01 7.01
Amortization Expense		 2.91 2.82 2.65 2.03 1.42 0.74 0.25 1.53 2.46 1.75 1.75
Restructuring Charge		 0.00 7.81 - - 0.00 1.51 0.00 5.47 0.00 0.00 0.00
Income Tax Expense		 4.90 5.19 27 6.79 6.02 3.42 9.73 13 15 17 17
Basic Earnings per Share		 $0.65 $0.66 $0.45 $1.52 $1.34 $0.96 $2.27 $2.82 $3.21 $3.75 $3.75
Weighted Average Basic Shares Outstanding		 17.42M 17.38M 18.03M 17.69M 16.73M 16.08M 15.52M 15.70M 16.91M 16.99M 16.99M
Diluted Earnings per Share		 $0.65 $0.65 $0.44 $1.46 $1.30 $0.94 $2.23 $2.80 $3.20 $3.72 $3.72
Weighted Average Diluted Shares Outstanding		 17.61M 17.96M 18.73M 18.39M 17.29M 16.50M 15.81M 15.78M 16.98M 17.11M 17.11M
Weighted Average Basic & Diluted Shares Outstanding		 17.60M 18M 18.30M 17.90M 17.02M 32.92M 31.24M 17.37M 17.57M 33.86M 16.93M

Quarterly Income Statements for HomeTrust Bancshares

This table shows HomeTrust Bancshares' income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2025 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 15 15 12 13 24 15 17 16 16 17 16
Consolidated Net Income / (Loss)		 15 15 12 13 24 15 17 16 16 17 16
Net Income / (Loss) Continuing Operations		 15 15 12 13 24 15 17 16 16 17 16
Total Pre-Tax Income 		19 19 16 17 29 18 22 21 20 21 20
Total Revenue		 51 50 51 51 62 51 54 54 54 54 55
Net Interest Income / (Expense)		 42 41 42 42 51 43 44 45 44 44 45
Total Interest Income		 62 63 65 67 61 64 64 65 63 61 61
Loans and Leases Interest Income		 58 60 62 63 55 59 60 62 60 58 58
Investment Securities Interest Income		 3.37 3.40 3.25 3.34 5.74 5.02 3.20 3.65 3.87 3.77 3.67
Total Interest Expense		 20 22 23 24 10 21 19 20 19 17 16
Deposits Interest Expense		 16 20 21 23 12 20 19 19 19 17 16
Long-Term Debt Interest Expense		 3.28 1.81 1.57 0.88 -2.46 0.37 0.56 0.53 0.35 0.34 0.30
Total Non-Interest Income		 8.63 8.81 8.11 8.28 11 8.03 10 8.75 9.40 10 9.25
Other Service Charges		 3.80 3.67 3.89 3.92 5.03 3.90 3.84 4.37 4.40 4.22 3.97
Net Realized & Unrealized Capital Gains on Investments		 1.29 1.45 1.83 1.90 4.03 1.91 3.59 1.73 1.99 3.03 2.98
Other Non-Interest Income		 3.53 3.69 2.40 2.47 2.06 2.22 2.73 2.66 3.01 2.78 2.30
Provision for Credit Losses		 2.57 1.17 4.26 2.98 -1.46 1.54 1.30 2.02 2.08 0.37 0.92
Total Non-Interest Expense		 30 30 30 31 34 31 31 31 32 33 34
Salaries and Employee Benefits		 17 17 17 17 22 18 18 19 19 20 20
Net Occupancy & Equipment Expense		 5.66 5.53 5.54 5.63 3.99 5.32 4.86 5.13 5.37 5.51 5.44
Marketing Expense		 0.49 0.65 0.61 0.41 0.22 0.45 0.44 0.47 0.51 0.42 0.58
Property & Liability Insurance Claims		 0.72 0.55 0.53 0.59 0.26 0.51 0.47 0.47 0.48 0.48 0.48
Other Operating Expenses		 5.33 3.76 4.72 4.49 6.00 4.60 5.07 4.51 4.79 4.80 4.54
Depreciation Expense		 - 1.64 1.92 2.10 1.34 1.87 1.79 1.77 1.58 1.52 1.38
Amortization Expense		 0.86 0.76 0.57 0.57 -0.15 0.52 0.41 0.41 0.41 0.37 0.30
Impairment Charge		 - - - - - - 0.00 - - - 1.08
Income Tax Expense		 3.82 3.95 3.39 3.68 5.57 3.89 4.62 4.37 3.71 4.22 4.01
Basic Earnings per Share		 $0.88 $0.88 $0.73 $0.77 $1.37 $0.84 $1.01 $0.96 $0.94 $1.00 $0.95
Weighted Average Basic Shares Outstanding		 16.79M 16.86M 16.88M 16.93M 16.99M 17.01M 17.01M 17.00M 16.99M 16.58M 16.31M
Diluted Earnings per Share		 $0.88 $0.88 $0.73 $0.76 $1.35 $0.84 $1.00 $0.95 $0.93 $0.99 $0.94
Weighted Average Diluted Shares Outstanding		 16.80M 16.87M 16.90M 17.03M 17.11M 17.11M 17.11M 17.13M 17.11M 16.72M 16.42M
Weighted Average Basic & Diluted Shares Outstanding		 - 17.53M 17.50M - 16.93M 17.55M 17.50M 17.44M 33.86M 16.81M 16.69M

Annual Cash Flow Statements for HomeTrust Bancshares

This table details how cash moves in and out of HomeTrust Bancshares' business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 12/31/2024 12/31/2025 12/31/2025
Net Change in Cash & Equivalents		 -64 34 -16 0.30 51 -71 54 198 -68 45 45
Net Cash From Operating Activities		 29 15 31 7.63 -39 9.56 33 -42 45 49 49
Net Cash From Continuing Operating Activities		 29 15 31 7.63 -39 9.56 33 -42 45 49 49
Net Income / (Loss) Continuing Operations		 11 12 8.24 27 23 16 36 45 55 64 64
Consolidated Net Income / (Loss)		 11 12 8.24 27 23 16 36 45 55 64 64
Provision For Loan Losses		 - 0.00 0.00 5.70 8.50 -7.14 -0.59 15 7.55 6.94 6.94
Depreciation Expense		 0.05 -2.84 -2.14 -2.59 4.78 12 12 13 17 15 15
Amortization Expense		 2.91 2.82 2.65 2.03 -1.52 -2.09 -1.63 -1.70 -2.95 2.93 2.93
Non-Cash Adjustments to Reconcile Net Income		 7.48 8.28 24 -15 -66 -12 -9.76 -106 -27 -32 -32
Changes in Operating Assets and Liabilities, net		 7.03 -4.99 -1.10 -9.25 -7.70 2.45 -2.34 -8.07 -3.97 -7.46 -7.46
Net Cash From Investing Activities		 -11 -107 -134 -150 -128 149 35 -121 21 110 110
Net Cash From Continuing Investing Activities		 -11 -107 -134 -150 -128 149 35 -121 21 110 110
Purchase of Property, Leasehold Improvements and Equipment		 -0.90 -2.83 -3.49 -19 -17 -25 -3.53 -6.15 -17 -6.72 -6.72
Purchase of Investment Securities		 -268 -320 -186 -236 -313 -43 -46 -393 -51 57 57
Sale of Property, Leasehold Improvements and Equipment		 0.07 0.40 0.92 - 0.00 0.00 2.32 8.01 0.00 7.72 7.72
Sale and/or Maturity of Investments		 230 145 130 104 259 933 85 74 88 50 50
Other Investing Activities, net		 28 82 -75 - -57 -716 -3.01 196 0.00 1.41 1.41
Net Cash From Financing Activities		 -81 126 86 143 218 -230 -14 362 -134 -114 -114
Net Cash From Continuing Financing Activities		 -81 126 86 143 218 -230 -14 362 -134 -114 -114
Net Change in Deposits		 -69 -34 148 131 450 170 144 -69 118 -69 -69
Issuance of Debt		 16 158 - 45 -205 115 -55 457 -227 -23 -23
Repayment of Debt		 -0.02 -0.02 -62 - 0.00 -498 -60 -25 0.00 0.00 0.00
Repurchase of Common Equity		 -28 0.00 0.00 -31 -24 -16 -43 0.00 -0.65 -14 -14
Payment of Dividends		 - 0.00 0.00 -3.18 -4.55 -5.02 -5.45 -6.23 -7.67 -8.38 -8.38
Other Financing Activities, Net		 -0.19 2.50 0.16 0.97 1.32 4.39 5.74 4.80 -17 0.12 0.12
Cash Interest Paid		 6.47 7.98 16 29 33 16 5.31 26 90 83 83
Cash Income Taxes Paid		 0.43 0.38 0.89 1.55 1.69 0.53 0.68 7.68 14 19 19

Quarterly Cash Flow Statements for HomeTrust Bancshares

This table details how cash moves in and out of HomeTrust Bancshares' business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
Net Change in Cash & Equivalents		 22 33 -86 -0.71 -14 21 -2.62 19 8.86 -24 -28
Net Cash From Operating Activities		 -33 -9.03 5.92 44 4.77 72 -8.83 -11 -2.11 111 1.47
Net Cash From Continuing Operating Activities		 -33 -9.03 5.92 44 4.77 72 -8.83 -11 -2.11 111 1.47
Net Income / (Loss) Continuing Operations		 15 15 12 13 14 15 17 16 16 17 16
Consolidated Net Income / (Loss)		 15 15 12 13 14 15 17 16 16 17 16
Provision For Loan Losses		 2.57 1.17 4.26 2.98 -0.86 1.54 1.30 2.02 2.08 0.37 0.92
Depreciation Expense		 4.09 4.42 4.35 4.83 3.44 4.15 4.07 3.14 3.42 2.68 3.95
Amortization Expense		 -0.38 -0.72 -0.68 -0.64 -0.92 -0.23 -1.02 -0.35 4.62 1.19 -0.16
Non-Cash Adjustments to Reconcile Net Income		 -109 -65 -77 -64 179 -66 -171 -123 327 -53 -98
Changes in Operating Assets and Liabilities, net		 55 36 62 88 -190 117 140 90 -355 143 79
Net Cash From Investing Activities		 21 48 -71 6.34 37 5.68 -6.94 34 77 36 -62
Net Cash From Continuing Investing Activities		 21 48 -71 6.34 37 5.68 -6.94 34 77 36 -62
Purchase of Property, Leasehold Improvements and Equipment		 -5.54 -3.97 -7.28 -3.94 -1.54 -3.11 -1.80 -0.76 -1.04 -0.82 -1.35
Purchase of Investment Securities		 0.38 -20 -65 -1.31 35 -3.99 -28 28 61 24 -87
Sale of Property, Leasehold Improvements and Equipment		 - 5.20 -5.20 - - 0.00 7.42 - 0.07 1.02 1.17
Sale and/or Maturity of Investments		 22 67 1.67 7.85 12 13 14 6.74 17 11 27
Net Cash From Financing Activities		 33 -5.76 -22 -51 -56 -57 13 -4.61 -66 -171 33
Net Cash From Continuing Financing Activities		 33 -5.76 -22 -51 -56 -57 13 -4.61 -66 -171 33
Net Change in Deposits		 40 138 -92 54 18 -43 -70 32 12 -70 -33
Repurchase of Common Equity		 - 0.00 -0.65 - - -0.50 -2.83 - -10 -23 -7.15
Payment of Dividends		 -1.69 -1.87 -1.87 -1.88 -2.05 -2.05 -2.06 -2.05 -2.22 -2.17 -2.47
Other Financing Activities, Net		 -0.11 -0.07 - 1.73 -18 -0.33 0.22 0.40 -0.17 -0.52 1.25
Cash Interest Paid		 17 20 23 23 24 23 22 20 18 18 18
Cash Income Taxes Paid		 5.40 0.05 10 3.37 0.34 0.01 10 4.35 4.74 0.07 1.91

Annual Balance Sheets for HomeTrust Bancshares

This table presents HomeTrust Bancshares' assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 12/31/2023 12/31/2024 12/31/2025 12/31/2025
Total Assets		 2,718 3,207 3,304 3,476 3,723 3,525 3,549 4,673 4,595 4,546 4,546
Cash and Due from Banks		 30 42 45 41 32 22 21 18 19 14 14
Interest Bearing Deposits at Other Banks		 23 45 26 30 90 29 84 329 260 310 310
Time Deposits Placed and Other Short-Term Investments		 162 132 67 52 56 40 24 35 29 19 19
Trading Account Securities		 230 239 203 185 244 260 219 339 369 360 360
Loans and Leases, Net of Allowance		 1,812 2,330 2,505 2,684 2,741 2,698 2,735 3,591 3,603 3,537 3,537
Loans and Leases		 1,833 2,351 2,526 2,705 2,769 2,733 2,769 3,640 3,648 3,578 3,578
Allowance for Loan and Lease Losses		 21 21 21 21 28 35 35 49 45 41 41
Loans Held for Sale		 5.78 5.61 - - - - 0.00 3.36 4.14 7.01 7.01
Premises and Equipment, Net		 54 64 63 61 58 71 69 71 70 62 62
Goodwill		 13 26 26 26 26 26 26 34 34 34 34
Intangible Assets		 7.14 7.17 4.53 2.50 1.08 0.34 0.09 9.06 6.60 4.85 4.85
Other Assets		 382 316 366 395 476 379 372 243 201 197 197
Total Liabilities & Shareholders' Equity		 2,718 3,207 3,304 3,476 3,723 3,525 3,549 4,673 4,595 4,546 4,546
Total Liabilities		 2,358 2,809 2,895 3,067 3,315 3,128 3,160 4,173 4,044 3,945 3,945
Non-Interest Bearing Deposits		 1,803 2,048 2,196 2,327 2,786 2,956 3,100 3,661 3,779 3,710 3,710
Long-Term Debt		 491 697 635 680 475 115 0.00 444 198 175 175
Other Long-Term Liabilities		 62 62 62 60 54 58 61 68 66 60 60
Commitments & Contingencies		 - - - - - 0.00 0.00 0.00 0.00 - 0.00
Total Equity & Noncontrolling Interests		 360 398 409 409 408 397 389 500 552 601 601
Total Preferred & Common Equity		 360 398 409 409 408 397 389 500 552 601 601
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 360 398 409 409 408 397 389 500 552 601 601
Common Stock		 186 214 218 190 170 161 126 173 177 167 167
Retained Earnings		 180 192 201 225 243 240 270 333 381 437 437
Accumulated Other Comprehensive Income / (Loss)		 2.34 0.27 -1.60 0.73 2.02 1.51 -2.40 -1.55 -1.69 0.58 0.58
Other Equity Adjustments		 -8.46 -7.94 -7.41 -6.88 -6.35 -5.82 -5.29 -4.50 -3.97 -3.44 -3.44

Quarterly Balance Sheets for HomeTrust Bancshares

This table presents HomeTrust Bancshares' assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026 6/30/2026
Total Assets		 4,684 4,671 4,637 4,558 4,578 4,592 4,386 4,440
Cash and Due from Banks		 16 18 19 14 17 15 15 17
Interest Bearing Deposits at Other Banks		 364 276 274 286 281 300 286 255
Time Deposits Placed and Other Short-Term Investments		 34 32 29 26 23 21 14 12
Trading Account Securities		 356 375 346 319 331 353 271 284
Loans and Leases, Net of Allowance		 3,601 3,652 3,651 3,604 3,628 3,601 3,506 3,582
Loans and Leases		 3,648 3,701 3,699 3,649 3,672 3,644 3,547 3,622
Allowance for Loan and Lease Losses		 48 49 48 45 44 43 41 40
Loans Held for Sale		 2.76 1.61 2.97 2.18 1.11 7.91 6.56 3.00
Premises and Equipment, Net		 71 70 70 62 63 62 62 62
Goodwill		 34 34 34 34 34 34 34 34
Intangible Assets		 8.30 7.73 7.16 6.08 5.67 5.26 4.47 4.17
Other Assets		 197 204 204 196 194 192 188 186
Total Liabilities & Shareholders' Equity		 4,684 4,671 4,637 4,558 4,578 4,592 4,386 4,440
Total Liabilities		 4,171 4,147 4,097 3,993 3,999 3,996 3,794 3,840
Non-Interest Bearing Deposits		 3,800 3,708 3,762 3,736 3,666 3,698 3,640 3,607
Long-Term Debt		 302 375 270 187 275 240 100 175
Other Long-Term Liabilities		 69 65 66 69 57 58 54 58
Total Equity & Noncontrolling Interests		 513 524 540 565 579 596 592 601
Total Preferred & Common Equity		 513 524 540 565 579 596 592 601
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 513 524 540 565 579 596 592 601
Common Stock		 173 173 176 177 175 176 145 140
Retained Earnings		 347 357 368 393 408 423 451 464
Accumulated Other Comprehensive Income / (Loss)		 -2.16 -2.37 0.05 -0.60 -0.28 0.33 -0.05 -0.44
Other Equity Adjustments		 -4.36 -4.23 -4.10 -3.84 -3.70 -3.57 -3.31 -3.17

Annual Metrics And Ratios for HomeTrust Bancshares

This table displays calculated financial ratios and metrics derived from HomeTrust Bancshares' official financial filings.

Metric 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026
Period end date 6/30/2016 6/30/2017 6/30/2018 6/30/2019 6/30/2020 6/30/2021 6/30/2022 6/30/2023 12/31/2024 12/31/2025 12/31/2025
DEI Shares Outstanding		 18,076,550.00 18,947,176.00 19,037,268.00 18,237,485.00 17,020,081.00 16,616,594.00 15,720,503.00 17,370,063.00 17,529,922.00 17,444,032.00 17,444,032.00
DEI Adjusted Shares Outstanding		 18,076,550.00 18,947,176.00 19,037,268.00 18,237,485.00 17,020,081.00 16,616,594.00 15,720,503.00 17,370,063.00 17,529,922.00 17,444,032.00 17,444,032.00
DEI Earnings Per Adjusted Shares Outstanding		 0.63 0.63 0.43 1.49 1.34 0.94 2.27 2.57 3.13 3.69 3.69
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 4.02% 11.77% 201.00% -59.82% 3.59% 6.48% 4.71% 25.74% 7.69% 4.98% 0.00%
EBITDA Growth		 59.61% -11.87% 1,299.15% -85.98% -3.93% -8.87% 90.08% 23.99% 21.95% 134.92% 0.00%
EBIT Growth		 54.56% 4.17% 1,294.63% -85.72% -15.12% -33.71% 137.63% 25.97% 22.30% 131.59% 0.00%
NOPAT Growth		 42.75% 3.41% -30.49% 229.64% -16.07% -31.20% 127.45% 25.11% 22.87% 17.44% 0.00%
Net Income Growth		 42.75% 3.41% -30.49% 229.64% -16.07% -31.20% 127.45% 25.11% 22.87% 17.44% 0.00%
EPS Growth		 54.76% 0.00% -32.31% 231.82% -10.96% -27.69% 137.23% 25.56% 14.29% 16.25% 0.00%
Operating Cash Flow Growth		 1,206.28% -47.74% 107.20% -75.64% -612.45% 124.45% 246.56% -227.98% 207.17% 8.92% 0.00%
Free Cash Flow Firm Growth		 101.59% -3,630.80% 125.15% -126.81% 1,564.77% 69.61% -59.13% -422.26% 148.72% -169.16% 0.00%
Invested Capital Growth		 0.58% 28.51% -4.56% 4.09% -18.88% -42.09% -23.98% 142.69% -20.54% 6.94% 0.00%
Revenue Q/Q Growth		 0.94% 3.38% 174.92% -60.71% -2.51% 5.05% 0.96% 0.00% 0.00% 2.59% 0.00%
EBITDA Q/Q Growth		 13.83% 10.85% 602.92% -85.76% -12.09% -34.05% 64.68% 0.00% 0.00% 232.60% 0.00%
EBIT Q/Q Growth		 10.82% 15.28% 626.28% -85.60% -17.77% -46.40% 100.83% 0.00% 0.00% 207.76% 0.00%
NOPAT Q/Q Growth		 6.95% 14.10% 42.13% 3.06% -13.26% -43.23% 60.45% 0.00% 0.00% 6.14% 0.00%
Net Income Q/Q Growth		 6.95% 14.10% 42.13% 3.06% -13.26% -43.23% 60.45% 0.00% 0.00% 3.07% 0.00%
EPS Q/Q Growth		 8.33% 10.17% 57.14% 2.10% -13.91% -42.33% 61.59% 0.00% 0.00% 2.76% 0.00%
Operating Cash Flow Q/Q Growth		 17.66% 0.63% 1.09% -51.29% -114.36% 146.05% -28.18% 0.00% 0.00% -22.95% 0.00%
Free Cash Flow Firm Q/Q Growth		 102.94% -64.63% 1,557.35% 54.54% 30.57% -59.98% 139.30% 0.00% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 -1.71% 7.60% 1.72% -0.02% -6.08% 0.00% -8.54% 0.00% 0.00% -7.19% 0.00%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 20.12% 15.86% 73.74% 25.72% 23.85% 20.42% 37.06% 36.55% 41.39% 92.61% 46.30%
EBIT Margin		 17.04% 15.88% 73.58% 26.15% 21.43% 13.34% 30.28% 30.33% 34.45% 75.99% 37.99%
Profit (Net Income) Margin		 11.93% 11.04% 2.55% 20.92% 16.95% 10.95% 23.79% 23.67% 27.00% 60.42% 30.21%
Tax Burden Percent		 70.04% 69.53% 23.55% 79.99% 79.09% 82.09% 78.57% 78.03% 78.39% 159.01% 79.51%
Interest Burden Percent		 100.00% 100.00% 14.72% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 200.00% 100.00%
Effective Tax Rate		 29.96% 30.47% 76.45% 20.01% 20.91% 17.91% 21.43% 21.97% 21.61% 40.99% 20.49%
Return on Invested Capital (ROIC)		 1.35% 1.22% 0.77% 2.54% 2.31% 2.25% 7.92% 6.69% 6.47% 16.87% 8.30%
ROIC Less NNEP Spread (ROIC-NNEP)		 1.35% 1.22% 0.77% 2.54% 2.31% 2.25% 7.92% 6.69% 6.47% 16.87% 8.30%
Return on Net Nonoperating Assets (RNNOA)		 1.79% 1.91% 1.27% 4.09% 3.27% 1.65% 1.16% 3.34% 3.95% 5.47% 2.42%
Return on Equity (ROE)		 3.13% 3.13% 2.04% 6.64% 5.58% 3.90% 9.08% 10.04% 10.42% 22.34% 10.72%
Cash Return on Invested Capital (CROIC)		 0.77% -23.74% 5.43% -1.46% 23.16% 55.55% 35.17% -76.58% 29.36% 10.05% 0.00%
Operating Return on Assets (OROA)		 0.59% 0.58% 7.30% 1.00% 0.80% 0.53% 1.28% 1.39% 1.51% 1.77% 1.78%
Return on Assets (ROA)		 0.42% 0.40% 0.25% 0.80% 0.63% 0.43% 1.01% 1.09% 1.18% 2.82% 1.42%
Return on Common Equity (ROCE)		 3.13% 3.13% 2.04% 6.64% 5.58% 3.90% 9.08% 10.04% 10.42% 22.34% 10.72%
Return on Equity Simple (ROE_SIMPLE)		 3.18% 2.98% 2.01% 6.64% 5.58% 3.95% 9.17% 8.92% 9.93% 10.72% 10.72%
Net Operating Profit after Tax (NOPAT)		 11 12 8.24 27 23 16 36 45 55 64 64
NOPAT Margin		 11.93% 11.04% 2.55% 20.92% 16.95% 10.95% 23.79% 23.67% 27.00% 60.42% 30.21%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 61.93% 59.54% 20.37% 54.91% 56.50% 58.48% 55.04% 45.64% 45.36% 44.83% 44.83%
Operating Expenses to Revenue		 82.96% 84.12% 26.42% 69.46% 72.25% 91.64% 70.12% 61.50% 61.84% 58.75% 58.75%
Earnings before Interest and Taxes (EBIT)		 16 17 238 34 29 19 45 57 70 162 81
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 19 17 238 33 32 29 56 69 84 197 99
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.85 1.07 1.20 1.04 0.63 1.11 0.97 0.71 1.05 1.24 1.24
Price to Tangible Book Value (P/TBV)		 0.90 1.16 1.30 1.11 0.67 1.19 1.04 0.78 1.14 1.32 1.32
Price to Revenue (P/Rev)		 3.20 3.96 1.53 3.27 1.90 3.08 2.53 1.89 2.86 3.48 3.48
Price to Earnings (P/E)		 26.83 35.87 2.34 15.63 11.20 28.16 10.62 7.97 10.60 11.53 11.53
Dividend Yield		 0.00% 0.00% 0.00% 0.77% 1.80% 1.17% 1.45% 1.91% 1.36% 1.15% 1.15%
Earnings Yield		 3.73% 2.79% 42.81% 6.40% 8.93% 3.55% 9.41% 12.55% 9.43% 8.67% 8.67%
Enterprise Value to Invested Capital (EV/IC)		 0.69 0.82 0.95 0.90 0.63 0.91 0.64 0.44 0.63 0.74 0.74
Enterprise Value to Revenue (EV/Rev)		 6.11 8.43 3.07 7.56 4.11 3.25 1.67 2.21 2.32 2.69 2.69
Enterprise Value to EBITDA (EV/EBITDA)		 30.36 53.12 4.17 29.40 17.24 15.92 4.50 6.06 5.61 5.82 5.82
Enterprise Value to EBIT (EV/EBIT)		 35.84 53.06 4.17 28.92 19.20 24.36 5.51 7.30 6.74 7.09 7.09
Enterprise Value to NOPAT (EV/NOPAT)		 51.18 76.32 120.45 36.15 24.27 29.68 7.01 9.36 8.60 8.92 8.92
Enterprise Value to Operating Cash Flow (EV/OCF)		 20.27 59.82 31.67 128.64 0.00 48.67 7.55 0.00 10.38 11.59 11.59
Enterprise Value to Free Cash Flow (EV/FCFF)		 89.49 0.00 17.05 0.00 2.42 1.20 1.58 0.00 1.90 14.97 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 1.37 1.76 1.56 1.66 1.16 0.29 0.00 0.89 0.36 0.58 0.29
Long-Term Debt to Equity		 1.37 1.76 1.56 1.66 1.16 0.29 0.00 0.89 0.36 0.58 0.29
Financial Leverage		 1.33 1.57 1.65 1.61 1.41 0.73 0.15 0.50 0.61 0.32 0.29
Leverage Ratio		 7.52 7.82 8.07 8.29 8.81 9.01 9.01 9.25 8.81 15.86 7.57
Compound Leverage Factor		 7.52 7.82 1.19 8.29 8.81 9.01 9.01 9.25 8.81 15.86 7.57
Debt to Total Capital		 57.80% 63.72% 60.88% 62.45% 53.78% 22.48% 0.00% 47.03% 26.42% 45.17% 22.58%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 57.80% 63.72% 60.88% 62.45% 53.78% 22.48% 0.00% 47.03% 26.42% 45.17% 22.58%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 42.20% 36.28% 39.12% 37.55% 46.22% 77.52% 100.00% 52.97% 73.58% 154.84% 77.42%
Debt to EBITDA		 25.52 41.04 2.67 20.37 14.81 3.94 0.00 6.44 2.36 3.55 1.78
Net Debt to EBITDA		 14.44 28.15 2.10 16.68 9.28 0.82 0.00 0.90 -1.31 -3.41 -1.71
Long-Term Debt to EBITDA		 25.52 41.04 2.67 20.37 14.81 3.94 0.00 6.44 2.36 3.55 1.78
Debt to NOPAT		 43.03 58.95 77.34 25.05 20.85 7.34 0.00 9.95 3.62 5.44 2.72
Net Debt to NOPAT		 24.34 40.45 60.62 20.52 13.07 1.52 0.00 1.39 -2.00 -5.23 -2.62
Long-Term Debt to NOPAT		 43.03 58.95 77.34 25.05 20.85 7.34 0.00 9.95 3.62 5.44 2.72
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 6.55 -231 58 -16 228 387 158 -510 249 77 0.00
Operating Cash Flow to CapEx		 3,480.26% 620.23% 1,221.01% 40.79% -224.20% 37.76% 2,746.93% 0.00% 271.44% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 1.08 -28.05 1.81 -0.51 7.10 25.14 29.65 -17.17 2.70 0.97 0.00
Operating Cash Flow to Interest Expense		 4.79 1.83 0.97 0.25 -1.22 0.62 6.20 -1.43 0.49 1.25 0.62
Operating Cash Flow Less CapEx to Interest Expense		 4.65 1.54 0.89 -0.36 -1.76 -1.02 5.98 -1.36 0.31 0.64 0.64
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.04 0.10 0.04 0.04 0.04 0.04 0.05 0.04 0.09 0.05
Fixed Asset Turnover		 1.72 1.82 5.12 2.10 2.25 2.21 2.14 2.69 2.88 6.44 3.41
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 853 1,096 1,046 1,089 883 512 389 944 750 776 776
Invested Capital Turnover		 0.11 0.11 0.30 0.12 0.14 0.21 0.33 0.28 0.24 0.56 0.27
Increase / (Decrease) in Invested Capital		 4.91 243 -50 43 -206 -372 -123 555 -194 52 0.00
Enterprise Value (EV)		 586 904 992 981 553 465 250 417 472 574 574
Market Capitalization		 307 425 493 424 255 441 379 355 581 742 742
Book Value per Share		 $19.91 $20.99 $21.50 $22.42 $23.99 $23.86 $24.73 $28.78 $31.48 $68.87 $34.44
Tangible Book Value per Share		 $18.82 $19.26 $19.91 $20.88 $22.42 $22.30 $23.10 $26.29 $29.15 $32.20 $32.20
Total Capital		 853 1,096 1,046 1,089 883 512 389 944 750 1,552 776
Total Debt		 493 698 637 680 475 115 0.00 444 198 175 175
Total Long-Term Debt		 493 698 637 680 475 115 0.00 444 198 350 175
Net Debt		 279 479 499 557 298 24 -129 62 -110 -168 -168
Capital Expenditures (CapEx)		 0.83 2.44 2.57 19 17 25 1.21 -1.87 17 -2.00 -1.00
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 493 698 637 680 475 115 0.00 444 198 350 175
Total Depreciation and Amortization (D&A)		 2.96 -0.02 0.51 -0.56 3.26 10 10 12 14 18 18
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.65 $0.66 $0.45 $1.52 $1.34 $0.96 $2.27 $2.82 $3.21 $3.75 $3.75
Adjusted Weighted Average Basic Shares Outstanding		 17.42M 17.38M 18.03M 17.69M 16.73M 16.08M 15.52M 15.70M 16.91M 16.99M 16.99M
Adjusted Diluted Earnings per Share		 $0.65 $0.65 $0.44 $1.46 $1.30 $0.94 $2.23 $2.80 $3.20 $3.72 $3.72
Adjusted Weighted Average Diluted Shares Outstanding		 17.61M 17.96M 18.73M 18.39M 17.29M 16.50M 15.81M 15.78M 16.98M 17.11M 17.11M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $1.52 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 18.00M 18.97M 19.02M 17.86M 17.02M 32.92M 31.24M 17.37M 16.93M 33.86M 16.93M
Normalized Net Operating Profit after Tax (NOPAT)		 12 17 25 27 23 17 36 49 55 64 64
Normalized NOPAT Margin		 12.62% 16.29% 7.61% 21.19% 16.95% 11.82% 23.79% 25.93% 27.00% 60.42% 30.21%
Pre Tax Income Margin		 17.04% 15.88% 10.83% 26.15% 21.43% 13.34% 30.28% 30.33% 34.45% 37.99% 37.99%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 2.71 2.07 7.39 1.12 0.90 1.24 8.50 1.92 0.76 2.04 1.02
NOPAT to Interest Expense		 1.90 1.44 0.26 0.89 0.71 1.02 6.68 1.50 0.60 0.81 0.81
EBIT Less CapEx to Interest Expense		 2.57 1.77 7.31 0.50 0.35 -0.40 8.27 1.99 0.58 2.06 1.03
NOPAT Less CapEx to Interest Expense		 1.76 1.14 0.18 0.28 0.17 -0.63 6.45 1.56 0.41 1.65 0.82
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 11.70% 19.98% 32.01% 15.29% 13.97% 13.99% 13.02% 13.02%
Augmented Payout Ratio		 242.09% 0.00% 0.00% 124.56% 127.45% 135.08% 136.87% 13.97% 15.16% 68.34% 34.17%

Quarterly Metrics And Ratios for HomeTrust Bancshares

This table displays calculated financial ratios and metrics derived from HomeTrust Bancshares' official financial filings.

Metric Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 9/30/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2025 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026 6/30/2026
DEI Shares Outstanding		 17,367,173.00 17,383,307.00 17,444,787.00 17,498,439.00 17,444,032.00 17,567,959.00 17,548,426.00 17,500,943.00 17,444,032.00 16,928,453.00 16,805,350.00
DEI Adjusted Shares Outstanding		 17,367,173.00 17,383,307.00 17,444,787.00 17,498,439.00 17,444,032.00 17,567,959.00 17,548,426.00 17,500,943.00 17,444,032.00 16,928,453.00 16,805,350.00
DEI Earnings Per Adjusted Shares Outstanding		 0.85 0.87 0.71 0.75 1.36 0.83 0.98 0.94 0.92 0.99 0.93
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 41.13% -1.47% -0.44% 0.00% 0.00% 1.78% 7.57% 6.91% 7.33% 6.68% 0.29%
EBITDA Growth		 86.25% 1.61% -11.54% 0.00% 0.00% -2.01% 27.72% 12.68% 33.93% 11.21% -6.21%
EBIT Growth		 83.09% 1.92% -18.79% 0.00% 0.00% -3.05% 38.07% 24.19% 8.42% 13.88% -10.01%
NOPAT Growth		 85.70% 1.58% -17.29% 0.00% 0.00% -3.50% 38.59% 25.77% 26.97% 15.36% -9.18%
Net Income Growth		 84.88% 1.58% -17.29% 0.00% 0.00% -3.50% 38.59% 25.77% 26.97% 15.36% -9.18%
EPS Growth		 72.55% 0.00% -18.89% 0.00% 0.00% -4.55% 36.99% 25.00% 24.10% 17.86% -6.00%
Operating Cash Flow Growth		 -257.75% -125.57% 109.57% 0.00% 0.00% 893.55% -249.07% -125.71% -288.66% 54.68% 117.14%
Free Cash Flow Firm Growth		 205.47% -823.53% 65.80% 0.00% 0.00% 118.07% 156.83% 0.00% 0.00% 6.46% 54.93%
Invested Capital Growth		 0.00% 104.46% 15.38% 0.00% 0.00% -7.10% -4.87% 0.00% 6.94% -7.96% -9.23%
Revenue Q/Q Growth		 0.01% 0.00% 1.04% 0.16% 22.10% 0.00% 6.78% -0.45% -0.98% 0.00% 0.38%
EBITDA Q/Q Growth		 1.58% 0.00% -14.24% 7.70% 51.83% 0.00% 11.78% -4.98% 35.81% 0.00% -5.77%
EBIT Q/Q Growth		 -4.19% 0.00% -16.85% 6.24% 74.67% 0.00% 18.42% -4.44% -4.91% 0.00% -6.43%
NOPAT Q/Q Growth		 -1.20% 0.00% -17.58% 5.59% 81.26% 0.00% 18.37% -4.18% -4.45% 0.00% -6.81%
Net Income Q/Q Growth		 -1.20% 0.00% -17.58% 5.59% 81.26% 0.00% 18.37% -4.18% -2.23% 0.00% -6.81%
EPS Q/Q Growth		 -2.22% 0.00% -17.05% 4.11% 0.00% 0.00% 19.05% -5.00% -4.21% 0.00% -5.05%
Operating Cash Flow Q/Q Growth		 46.76% 0.00% 165.55% 639.26% -89.11% 0.00% -112.31% -27.51% 81.22% 0.00% -98.67%
Free Cash Flow Firm Q/Q Growth		 240.23% 0.00% 73.10% 100.00% 0.00% 0.00% -15.38% -1,444.01% 197.58% 0.00% 23.15%
Invested Capital Q/Q Growth		 -100.00% 0.00% 10.87% -100.00% 0.00% 0.00% 13.53% -2.16% -7.19% 0.00% 11.98%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 44.04% 45.39% 38.53% 41.43% 51.53% 43.70% 45.75% 43.67% 104.00% 45.75% 42.95%
EBIT Margin		 36.73% 37.99% 31.27% 33.17% 47.45% 36.19% 40.14% 38.53% 37.00% 38.63% 36.01%
Profit (Net Income) Margin		 29.21% 30.11% 24.56% 25.89% 38.44% 28.54% 31.64% 30.46% 30.08% 30.87% 28.66%
Tax Burden Percent		 79.52% 79.25% 78.55% 78.07% 81.01% 78.87% 78.84% 79.06% 81.29% 79.90% 79.57%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 200.00% 100.00% 100.00%
Effective Tax Rate		 20.48% 20.75% 21.45% 21.93% 18.99% 21.13% 21.16% 20.94% 18.71% 20.10% 20.43%
Return on Invested Capital (ROIC)		 0.00% 9.37% 5.49% 0.00% 10.40% 7.42% 7.47% 15.33% 16.80% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 9.37% 5.49% 0.00% 10.40% 7.42% 7.47% 15.33% 16.80% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 2.70% 3.89% 0.00% 3.74% 3.07% 4.40% 6.18% 5.44% 0.00% 0.00%
Return on Equity (ROE)		 0.00% 12.07% 9.38% 0.00% 14.14% 10.48% 11.87% 21.51% 22.24% 0.00% 0.00%
Cash Return on Invested Capital (CROIC)		 0.00% -61.19% -9.24% 0.00% 33.15% 14.31% 11.73% 0.00% 10.05% 8.30% 9.67%
Operating Return on Assets (OROA)		 0.00% 1.74% 1.27% 0.00% 2.08% 1.60% 1.80% 1.76% 3.45% 0.00% 0.00%
Return on Assets (ROA)		 0.00% 1.38% 1.00% 0.00% 1.68% 1.26% 1.42% 1.40% 2.80% 0.00% 0.00%
Return on Common Equity (ROCE)		 0.00% 12.07% 9.38% 0.00% 14.14% 10.48% 11.87% 21.51% 22.24% 0.00% 0.00%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 8.30% 8.07% 0.00% 0.00% 9.60% 10.20% 10.48% 0.00% 0.00% 0.00%
Net Operating Profit after Tax (NOPAT)		 15 15 12 13 24 15 17 16 16 17 16
NOPAT Margin		 29.21% 30.11% 24.56% 25.89% 38.44% 28.54% 31.64% 30.46% 60.15% 30.87% 28.66%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 44.62% 46.25% 45.00% 45.65% 42.85% 46.07% 43.23% 44.52% 91.12% 47.48% 48.03%
Operating Expenses to Revenue		 58.21% 59.68% 60.31% 60.96% 54.91% 60.79% 57.47% 57.75% 118.24% 60.69% 62.30%
Earnings before Interest and Taxes (EBIT)		 19 19 16 17 29 18 22 21 20 21 20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 22 23 19 21 32 22 25 24 28 25 23
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.87 0.99 0.00 1.35 1.07 1.13 1.20 1.24 1.22 1.40
Price to Tangible Book Value (P/TBV)		 0.00 0.94 1.07 0.00 1.46 1.15 1.22 1.29 1.32 1.30 1.49
Price to Revenue (P/Rev)		 1.90 2.50 2.76 0.00 3.68 2.97 3.17 3.41 3.48 0.00 0.00
Price to Earnings (P/E)		 8.47 10.45 12.24 0.00 13.63 11.10 11.11 11.47 11.53 0.00 0.00
Dividend Yield		 1.92% 1.56% 1.45% 1.31% 1.14% 1.34% 1.26% 1.17% 1.15% 1.17% 1.06%
Earnings Yield		 11.80% 9.57% 8.17% 0.00% 7.34% 9.01% 9.00% 8.72% 8.67% 0.00% 0.00%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.51 0.63 0.00 0.85 0.62 0.72 0.74 0.74 0.73 0.94
Enterprise Value to Revenue (EV/Rev)		 0.00 2.22 3.01 0.00 3.14 2.28 2.95 2.95 2.69 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 6.01 8.48 0.00 7.59 5.58 6.90 6.80 5.82 0.00 0.00
Enterprise Value to EBIT (EV/EBIT)		 0.00 7.23 10.49 0.00 9.11 6.69 8.11 7.81 7.09 0.00 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 9.28 13.38 0.00 11.63 8.54 10.35 9.93 17.83 0.00 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 27.70 0.00 14.02 3.69 5.51 11.09 23.19 0.00 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 4.15 5.94 0.00 14.97 8.47 9.25
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.50 0.72 0.00 0.36 0.33 0.48 0.40 0.29 0.17 0.29
Long-Term Debt to Equity		 0.00 0.50 0.72 0.00 0.36 0.33 0.48 0.40 0.58 0.17 0.29
Financial Leverage		 0.00 0.29 0.71 0.00 0.36 0.41 0.59 0.40 0.32 0.25 0.38
Leverage Ratio		 0.00 8.75 9.37 0.00 8.81 8.32 8.39 7.71 15.86 7.73 7.64
Compound Leverage Factor		 0.00 8.75 9.37 0.00 8.81 8.32 8.39 7.71 15.86 7.73 7.64
Debt to Total Capital		 0.00% 33.34% 41.70% 0.00% 26.42% 24.87% 32.20% 28.73% 22.58% 14.47% 22.56%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 33.34% 41.70% 0.00% 26.42% 24.87% 32.20% 28.73% 45.17% 14.47% 22.56%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 66.66% 58.30% 0.00% 73.58% 75.13% 67.80% 71.27% 154.84% 85.53% 77.44%
Debt to EBITDA		 0.00 3.90 5.62 0.00 2.36 2.25 3.11 2.63 1.78 0.00 0.00
Net Debt to EBITDA		 0.00 -0.76 0.72 0.00 -1.31 -1.67 -0.51 -1.06 -1.71 0.00 0.00
Long-Term Debt to EBITDA		 0.00 3.90 5.62 0.00 2.36 2.25 3.11 2.63 1.78 0.00 0.00
Debt to NOPAT		 0.00 6.02 8.87 0.00 3.62 3.45 4.66 3.85 5.44 0.00 0.00
Net Debt to NOPAT		 0.00 -1.17 1.14 0.00 -2.00 -2.55 -0.77 -1.54 -5.23 0.00 0.00
Long-Term Debt to NOPAT		 0.00 6.02 8.87 0.00 3.62 3.45 4.66 3.85 2.72 0.00 0.00
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 440 -399 -107 0.00 0.00 72 61 -820 -9.91 77 94
Operating Cash Flow to CapEx		 -595.29% 0.00% 47.44% 1,110.30% 308.87% 2,490.93% 0.00% -1,481.18% -432.31% 0.00% 831.64%
Free Cash Flow to Firm to Interest Expense		 22.33 -18.03 -4.67 0.00 0.00 3.48 3.14 -40.96 -1.03 4.46 5.95
Operating Cash Flow to Interest Expense		 -1.67 -0.41 0.26 1.80 0.48 3.46 -0.45 -0.56 -0.11 6.45 0.09
Operating Cash Flow Less CapEx to Interest Expense		 -1.95 -0.35 -0.29 1.64 0.32 3.32 -0.17 -0.60 -0.32 6.46 0.08
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.00 0.05 0.04 0.00 0.04 0.04 0.04 0.05 0.09 0.00 0.00
Fixed Asset Turnover		 0.00 2.71 2.60 0.00 2.88 3.08 3.12 3.37 6.44 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 0.00 810 898 0.00 750 753 854 836 776 693 776
Invested Capital Turnover		 0.00 0.31 0.22 0.00 0.27 0.26 0.24 0.50 0.56 0.00 0.00
Increase / (Decrease) in Invested Capital		 -425 414 120 0.00 0.00 -58 -44 836 26 -60 -79
Enterprise Value (EV)		 0.00 416 565 0.00 637 464 611 620 574 508 729
Market Capitalization		 361 469 517 589 747 602 656 716 742 722 838
Book Value per Share		 $0.00 $31.06 $30.02 $0.00 $31.48 $32.19 $33.01 $34.05 $34.44 $34.99 $35.74
Tangible Book Value per Share		 $0.00 $28.69 $27.62 $0.00 $29.15 $29.90 $30.74 $31.80 $32.20 $32.72 $33.46
Total Capital		 0.00 810 898 0.00 750 753 854 836 776 693 776
Total Debt		 0.00 270 375 0.00 198 187 275 240 175 100 175
Total Long-Term Debt		 0.00 270 375 0.00 198 187 275 240 175 100 175
Net Debt		 0.00 -53 48 0.00 -110 -138 -45 -96 -168 -214 -109
Capital Expenditures (CapEx)		 5.54 -1.23 12 3.94 1.54 2.88 -5.62 0.76 0.98 -0.20 0.18
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 270 375 0.00 198 187 275 240 175 100 175
Total Depreciation and Amortization (D&A)		 3.72 3.70 3.67 4.19 2.52 3.83 3.05 2.78 8.04 3.87 3.78
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.73 $0.00 $1.37 $0.84 $1.01 $0.96 $0.94 $1.00 $0.95
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 16.88M 0.00 16.99M 17.01M 17.01M 17.00M 16.99M 16.58M 16.31M
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.73 $0.00 $1.35 $0.84 $1.00 $0.95 $0.93 $0.99 $0.94
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 16.90M 0.00 17.11M 17.11M 17.11M 17.13M 17.11M 16.72M 16.42M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 17.50M 0.00 16.93M 17.55M 17.50M 17.44M 33.86M 16.81M 16.69M
Normalized Net Operating Profit after Tax (NOPAT)		 15 15 12 13 24 15 17 16 16 17 16
Normalized NOPAT Margin		 29.21% 30.11% 24.56% 25.89% 38.44% 28.54% 31.64% 30.46% 30.08% 30.87% 30.23%
Pre Tax Income Margin		 36.73% 37.99% 31.27% 33.17% 47.45% 36.19% 40.14% 38.53% 74.00% 38.63% 36.01%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.95 0.86 0.69 0.69 2.93 0.89 1.12 1.04 2.06 1.22 1.24
NOPAT to Interest Expense		 0.75 0.68 0.54 0.54 2.37 0.70 0.89 0.82 1.67 0.98 0.98
EBIT Less CapEx to Interest Expense		 0.67 0.92 0.14 0.53 2.78 0.75 1.41 1.00 1.96 1.23 1.23
NOPAT Less CapEx to Interest Expense		 0.47 0.74 0.00 0.38 2.22 0.56 1.18 0.79 1.57 0.99 0.97
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 15.05% 14.32% 15.63% 0.00% 13.99% 14.46% 13.61% 13.16% 26.04% 0.00% 0.00%
Augmented Payout Ratio		 40.93% 14.32% 17.15% 0.00% 15.16% 16.58% 19.25% 18.50% 68.34% 0.00% 0.00%

Financials Breakdown Chart

Key Financial Trends

HomeTrust Bancshares’ second-quarter 2026 results show stable core banking revenue but weaker profitability. Total revenue was $54.5 million, up slightly from $54.4 million in the second quarter of 2025 and $54.3 million in the first quarter of 2026. Net interest income improved to $45.3 million from $44.2 million a year earlier, supported by lower deposit interest expense. However, net income declined to $15.6 million from $17.2 million in the year-ago quarter, while diluted earnings per share fell to $0.94 from $1.00. The comparison uses restated 2025 figures where provided.

The main pressure came from expenses and noninterest revenue. Second-quarter noninterest income fell 9.0% year over year to $9.2 million, while noninterest expense increased 8.7% to $34.0 million. The provision for credit losses declined to $920,000 from $1.3 million, partially offsetting the expense increase. Sequentially, net income fell 6.8% from $16.8 million in the first quarter, even though net interest income rose 2.2%.

The balance sheet is becoming more conservative, although loan growth remains modest. Total assets increased 1.2% from the first quarter to $4.44 billion but remained 3.0% below the second quarter of 2025. Net loans rose 2.2% sequentially to $3.58 billion but were down 1.3% year over year. Total reported deposits declined 1.6% year over year to $3.61 billion, while long-term debt fell sharply to $175.0 million from $275.2 million. Common equity increased to $600.6 million, up 3.7% year over year, lifting equity to approximately 13.5% of total assets.

Cash flow improved from the year-ago quarter, with operating cash flow turning positive at $1.5 million compared with negative $8.8 million in the second quarter of 2025. Nevertheless, heavy purchases of investment securities produced $62.2 million of investing cash outflow, and cash and equivalents declined by $28.1 million during the quarter. Across the reported periods, cash flow has been volatile because of large changes in operating assets, liabilities and investment securities, so investors should focus on longer-term trends rather than any single quarter.

  • Net interest income is trending higher: Second-quarter net interest income increased 2.4% year over year and 2.2% sequentially to $45.3 million as deposit interest expense declined.
  • Credit-loss provision declined: The provision for credit losses fell to $920,000 from $1.3 million in the year-ago quarter and $2.1 million in the third quarter of 2025, reducing pressure on pretax earnings.
  • Balance-sheet capital strengthened: Common equity reached $600.6 million, up from $579.3 million a year earlier and $592.4 million at the end of the first quarter.
  • Debt exposure decreased: Long-term debt declined to $175.0 million from $275.2 million a year earlier, potentially reducing funding costs and balance-sheet risk.
  • Operating cash flow improved year over year: Cash generated from operating activities was positive in the second quarter, reversing the negative operating cash flow reported in the comparable 2025 quarter.
  • Loan balances are stable but not expanding materially: Net loans increased sequentially but remained below the year-ago level, suggesting cautious growth and limited near-term balance-sheet expansion.
  • Investment activity remains significant: HomeTrust purchased $87.1 million of investment securities in the second quarter while selling or allowing $26.7 million to mature, which may reposition the portfolio but also contributed to lower cash balances.
  • Profitability weakened: Net income fell 9.2% year over year and 6.8% sequentially, while diluted EPS declined to $0.94 from $1.00 in the second quarter of 2025.
  • Noninterest income contracted: Noninterest income declined to $9.2 million from $10.2 million a year earlier, including lower service-charge and other noninterest revenue.
  • Operating expenses rose faster than revenue: Noninterest expense increased 8.7% year over year to $34.0 million, including a $1.1 million impairment charge, putting pressure on the company’s efficiency and earnings leverage.
09/14/26 09:56 PM ETAI Generated. May Contain Errors.

HomeTrust Bancshares Financials - Frequently Asked Questions

According to the most recent income statement we have on file, HomeTrust Bancshares' financial year ends in December. Their financial year 2025 ended on December 31, 2025.

HomeTrust Bancshares' net income appears to be on an upward trend, with a most recent value of $64.36 million in 2026, rising from $11.46 million in 2016. The previous period was $64.36 million in 2025. Check out HomeTrust Bancshares' forecast to explore projected trends and price targets.

Over the last 10 years, HomeTrust Bancshares' total revenue changed from $96.00 million in 2016 to $213.07 million in 2026, a change of 122.0%.

HomeTrust Bancshares' total liabilities were at $3.94 billion at the end of 2026, which was unchanged from 2025, and a 67.3% increase since 2016.

In the past 10 years, HomeTrust Bancshares' cash and equivalents has ranged from $14.41 million in 2025 to $45.22 million in 2018, and is currently $14.41 million as of their latest financial filing in 2026.

Over the last 10 years, HomeTrust Bancshares' book value per share changed from 19.91 in 2016 to 34.44 in 2026, a change of 72.9%.


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Financial statements for NYSE:HTB last updated on 9/3/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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