HomeTrust Bancshares (HTB) Financials

$46.94 +0.25 (+0.52%)

Closing price 08/24/2026 03:58 PM Eastern

Extended Trading

$47.18 +0.24 (+0.51%)

As of 08:34 AM Eastern

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	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	6/30/2014	6/30/2015	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	10	8.03	11	12	211	27	23	16	36	45	64
Consolidated Net Income / (Loss)	10	8.03	11	12	8.24	27	23	16	36	45	64
Net Income / (Loss) Continuing Operations	10	8.03	11	12	211	27	23	16	36	45	64
Total Pre-Tax Income	15	11	16	17	35	34	29	19	45	57	81
Total Revenue	64	92	96	107	323	130	134	143	150	188	213
Net Interest Income / (Expense)	55	80	82	91	101	107	104	103	111	157	177
Total Interest Income	60	85	88	99	336	137	136	119	116	187	256
Loans and Leases Interest Income	57	78	78	90	105	122	122	112	110	176	240
Investment Securities Interest Income	1.66	4.53	5.62	5.64	124	7.03	8.09	5.73	4.79	9.56	16
Deposits and Money Market Investments Interest Income	1.79	2.75	3.69	3.73	5.94	8.28	5.99	1.21	1.72	1.30	0.00
Total Interest Expense	5.43	5.39	6.04	8.25	32	30	32	15	5.34	30	79
Deposits Interest Expense	5.42	4.89	4.53	4.59	6.76	16	23	9.37	5.26	26	78
Long-Term Debt Interest Expense	0.02	0.50	1.51	3.66	25	15	9.31	6.04	0.08	4.19	1.80
Total Non-Interest Income	8.74	13	14	16	19	23	30	40	39	31	36
Other Service Charges	8.73	11	13	11	12	14	15	16	16	16	17
Net Realized & Unrealized Capital Gains on Investments	0.01	0.06	0.01	3.08	4.44	6.22	9.95	16	15	7.71	9.21
Other Non-Interest Income	-	1.65	1.64	2.09	2.12	3.04	5.60	7.76	8.39	7.59	11
Provision for Credit Losses	-6.30	0.15	0.00	0.00	0.00	5.70	8.50	-7.14	-0.59	15	6.94
Total Non-Interest Expense	55	82	80	90	85	90	97	131	105	116	125
Salaries and Employee Benefits	30	41	42	46	48	52	57	63	60	62	73
Net Occupancy & Equipment Expense	9.01	15	15	16	16	17	17	19	20	22	21
Marketing Expense	1.36	2.05	2.04	1.67	1.48	1.85	1.87	1.63	2.58	2.14	1.88
Property & Liability Insurance Claims	1.31	1.92	1.99	1.38	1.62	1.43	0.90	1.80	1.71	2.25	1.94
Other Operating Expenses	9.46	13	14	14	15	15	19	43	21	21	19
Depreciation Expense	-	-	-	-	-	-	-	-	-	-	7.01
Amortization Expense	0.17	2.55	2.91	2.82	2.65	2.03	1.42	0.74	0.25	1.53	1.75
Restructuring Charge	2.71	5.42	0.00	7.81	-	-	0.00	1.51	0.00	5.47	0.00
Income Tax Expense	4.51	2.56	4.90	5.19	27	6.79	6.02	3.42	9.73	13	17
Basic Earnings per Share	$0.54	$0.42	$0.65	$0.66	$0.45	$1.52	$1.34	$0.96	$2.27	$2.82	$3.75
Weighted Average Basic Shares Outstanding	18.63M	19.04M	17.42M	17.38M	18.03M	17.69M	16.73M	16.08M	15.52M	15.70M	16.99M
Diluted Earnings per Share	$0.54	$0.42	$0.65	$0.65	$0.44	$1.46	$1.30	$0.94	$2.23	$2.80	$3.72
Weighted Average Diluted Shares Outstanding	18.72M	19.12M	17.61M	17.96M	18.73M	18.39M	17.29M	16.50M	15.81M	15.78M	17.11M
Weighted Average Basic & Diluted Shares Outstanding	-	19.10M	17.60M	18M	18.30M	17.90M	17.02M	32.92M	31.24M	17.37M	16.93M

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

Metric	Q1 2023	Q2 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	9/30/2023	6/30/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2025	3/31/2025	6/30/2025	9/30/2025	3/31/2026	6/30/2026
Net Income / (Loss) Attributable to Common Shareholders	15	15	15	12	13	24	15	17	16	17	16
Consolidated Net Income / (Loss)	15	15	15	12	13	24	15	17	16	17	16
Net Income / (Loss) Continuing Operations	15	15	15	12	13	24	15	17	16	17	16
Total Pre-Tax Income	19	19	19	16	17	29	18	22	21	21	20
Total Revenue	51	51	50	51	51	62	51	54	54	54	55
Net Interest Income / (Expense)	42	44	41	42	42	51	43	44	45	44	45
Total Interest Income	62	59	63	65	67	61	64	64	65	61	61
Loans and Leases Interest Income	58	56	60	62	63	55	59	60	62	58	58
Investment Securities Interest Income	3.37	3.01	3.40	3.25	3.34	5.74	5.02	3.20	3.65	3.77	3.67
Total Interest Expense	20	15	22	23	24	10	21	19	20	17	16
Deposits Interest Expense	16	13	20	21	23	12	20	19	19	17	16
Long-Term Debt Interest Expense	3.28	2.57	1.81	1.57	0.88	-2.46	0.37	0.56	0.53	0.34	0.30
Total Non-Interest Income	8.63	6.89	8.81	8.11	8.28	11	8.03	10	8.75	10	9.25
Other Service Charges	3.80	3.90	3.67	3.89	3.92	5.03	3.90	3.84	4.37	4.22	3.97
Net Realized & Unrealized Capital Gains on Investments	1.29	1.19	1.45	1.83	1.90	4.03	1.91	3.59	1.73	3.03	2.98
Other Non-Interest Income	3.53	1.80	3.69	2.40	2.47	2.06	2.22	2.73	2.66	2.78	2.30
Provision for Credit Losses	2.57	0.41	1.17	4.26	2.98	-1.46	1.54	1.30	2.02	0.37	0.92
Total Non-Interest Expense	30	31	30	30	31	34	31	31	31	33	34
Salaries and Employee Benefits	17	17	17	17	17	22	18	18	19	20	20
Net Occupancy & Equipment Expense	5.66	5.90	5.53	5.54	5.63	3.99	5.32	4.86	5.13	5.51	5.44
Marketing Expense	0.49	0.70	0.65	0.61	0.41	0.22	0.45	0.44	0.47	0.42	0.58
Property & Liability Insurance Claims	0.72	0.55	0.55	0.53	0.59	0.26	0.51	0.47	0.47	0.48	0.48
Other Operating Expenses	5.33	6.23	3.76	4.72	4.49	6.00	4.60	5.07	4.51	4.80	4.54
Depreciation Expense	-	-	1.64	1.92	2.10	1.34	1.87	1.79	1.77	1.52	1.38
Amortization Expense	0.86	0.86	0.76	0.57	0.57	-0.15	0.52	0.41	0.41	0.37	0.30
Impairment Charge	-	-	-	-	-	-	-	0.00	-	-	1.08
Income Tax Expense	3.82	4.46	3.95	3.39	3.68	5.57	3.89	4.62	4.37	4.22	4.01
Basic Earnings per Share	$0.88	$0.91	$0.88	$0.73	$0.77	$1.37	$0.84	$1.01	$0.96	$1.00	$0.95
Weighted Average Basic Shares Outstanding	16.79M	16.77M	16.86M	16.88M	16.93M	16.99M	17.01M	17.01M	17.00M	16.58M	16.31M
Diluted Earnings per Share	$0.88	$0.90	$0.88	$0.73	$0.76	$1.35	$0.84	$1.00	$0.95	$0.99	$0.94
Weighted Average Diluted Shares Outstanding	16.80M	16.78M	16.87M	16.90M	17.03M	17.11M	17.11M	17.11M	17.13M	16.72M	16.42M
Weighted Average Basic & Diluted Shares Outstanding	15.63M	17.37M	17.53M	17.50M	-	16.93M	17.55M	17.50M	17.44M	16.81M	16.69M

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	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	6/30/2014	6/30/2015	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	6/30/2023	12/31/2025
Net Change in Cash & Equivalents	-80	70	-64	34	-16	0.30	51	-71	54	198	45
Net Cash From Operating Activities	24	2.21	29	15	31	7.63	-39	9.56	33	-42	49
Net Cash From Continuing Operating Activities	24	2.21	29	15	31	7.63	-39	9.56	33	-42	49
Net Income / (Loss) Continuing Operations	10	8.03	11	12	8.24	27	23	16	36	45	64
Consolidated Net Income / (Loss)	10	8.03	11	12	8.24	27	23	16	36	45	64
Provision For Loan Losses	-6.30	0.15	-	0.00	0.00	5.70	8.50	-7.14	-0.59	15	6.94
Depreciation Expense	1.10	-1.03	0.05	-2.84	-2.14	-2.59	4.78	12	12	13	15
Amortization Expense	0.17	2.55	2.91	2.82	2.65	2.03	-1.52	-2.09	-1.63	-1.70	2.93
Non-Cash Adjustments to Reconcile Net Income	20	0.91	7.48	8.28	24	-15	-66	-12	-9.76	-106	-32
Changes in Operating Assets and Liabilities, net	-1.10	-8.39	7.03	-4.99	-1.10	-9.25	-7.70	2.45	-2.34	-8.07	-7.46
Net Cash From Investing Activities	-15	-190	-11	-107	-134	-150	-128	149	35	-121	110
Net Cash From Continuing Investing Activities	-15	-190	-11	-107	-134	-150	-128	149	35	-121	110
Purchase of Property, Leasehold Improvements and Equipment	-1.92	-5.03	-0.90	-2.83	-3.49	-19	-17	-25	-3.53	-6.15	-6.72
Purchase of Investment Securities	-127	-377	-268	-320	-186	-236	-313	-43	-46	-393	57
Sale of Property, Leasehold Improvements and Equipment	-	0.00	0.07	0.40	0.92	-	0.00	0.00	2.32	8.01	7.72
Sale and/or Maturity of Investments	119	448	230	145	130	104	259	933	85	74	50
Other Investing Activities, net	0.00	-256	28	82	-75	-	-57	-716	-3.01	196	1.41
Net Cash From Financing Activities	-89	258	-81	126	86	143	218	-230	-14	362	-114
Net Cash From Continuing Financing Activities	-89	258	-81	126	86	143	218	-230	-14	362	-114
Net Change in Deposits	-38	-134	-69	-34	148	131	450	170	144	-69	-69
Issuance of Debt	-	410	16	158	-	45	-205	115	-55	457	-23
Repayment of Debt	-21	-0.02	-0.02	-0.02	-62	-	0.00	-498	-60	-25	0.00
Repurchase of Common Equity	-29	-18	-28	0.00	0.00	-31	-24	-16	-43	0.00	-14
Payment of Dividends	-	-	-	0.00	0.00	-3.18	-4.55	-5.02	-5.45	-6.23	-8.38
Other Financing Activities, Net	-0.23	0.07	-0.19	2.50	0.16	0.97	1.32	4.39	5.74	4.80	0.12
Cash Interest Paid	5.27	4.96	6.47	7.98	16	29	33	16	5.31	26	83
Cash Income Taxes Paid	0.15	0.22	0.43	0.38	0.89	1.55	1.69	0.53	0.68	7.68	19

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	Q2 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	6/30/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026	6/30/2026
Net Change in Cash & Equivalents	-11	33	-86	-0.71	-14	21	-2.62	19	-24	-28
Net Cash From Operating Activities	-62	-9.03	5.92	44	4.77	72	-8.83	-11	111	1.47
Net Cash From Continuing Operating Activities	-62	-9.03	5.92	44	4.77	72	-8.83	-11	111	1.47
Net Income / (Loss) Continuing Operations	15	15	12	13	14	15	17	16	17	16
Consolidated Net Income / (Loss)	15	15	12	13	14	15	17	16	17	16
Provision For Loan Losses	0.41	1.17	4.26	2.98	-0.86	1.54	1.30	2.02	0.37	0.92
Depreciation Expense	3.53	4.42	4.35	4.83	3.44	4.15	4.07	3.14	2.68	3.95
Amortization Expense	-0.97	-0.72	-0.68	-0.64	-0.92	-0.23	-1.02	-0.35	1.19	-0.16
Non-Cash Adjustments to Reconcile Net Income	-116	-65	-77	-64	179	-66	-171	-123	-53	-98
Changes in Operating Assets and Liabilities, net	36	36	62	88	-190	117	140	90	143	79
Net Cash From Investing Activities	-9.90	48	-71	6.34	37	5.68	-6.94	34	36	-62
Net Cash From Continuing Investing Activities	-9.90	48	-71	6.34	37	5.68	-6.94	34	36	-62
Purchase of Property, Leasehold Improvements and Equipment	-6.18	-3.97	-7.28	-3.94	-1.54	-3.11	-1.80	-0.76	-0.82	-1.35
Purchase of Investment Securities	-28	-20	-65	-1.31	35	-3.99	-28	28	24	-87
Sale of Property, Leasehold Improvements and Equipment	0.48	5.20	-5.20	-	-	0.00	7.42	-	1.02	1.17
Sale and/or Maturity of Investments	19	67	1.67	7.85	12	13	14	6.74	11	27
Net Cash From Financing Activities	61	-5.76	-22	-51	-56	-57	13	-4.61	-171	33
Net Cash From Continuing Financing Activities	61	-5.76	-22	-51	-56	-57	13	-4.61	-171	33
Net Change in Deposits	-74	138	-92	54	18	-43	-70	32	-70	-33
Repurchase of Common Equity	-	0.00	-0.65	-	-	-0.50	-2.83	-	-23	-7.15
Payment of Dividends	-1.69	-1.87	-1.87	-1.88	-2.05	-2.05	-2.06	-2.05	-2.17	-2.47
Other Financing Activities, Net	0.01	-0.07	-	1.73	-18	-0.33	0.22	0.40	-0.52	1.25
Cash Interest Paid	13	20	23	23	24	23	22	20	18	18
Cash Income Taxes Paid	1.77	0.05	10	3.37	0.34	0.01	10	4.35	0.07	1.91

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	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	6/30/2015	6/30/2016	6/30/2017	6/30/2018	6/30/2019	6/30/2020	6/30/2021	6/30/2022	12/31/2023	12/31/2025	12/31/2025
Total Assets	2,783	2,718	3,207	3,304	3,476	3,723	3,525	3,549	4,673	4,546	4,546
Cash and Due from Banks	34	30	42	45	41	32	22	21	18	14	14
Interest Bearing Deposits at Other Banks	82	23	45	26	30	90	29	84	329	310	310
Time Deposits Placed and Other Short-Term Investments	211	162	132	67	52	56	40	24	35	19	19
Trading Account Securities	286	230	239	203	185	244	260	219	339	360	360
Loans and Leases, Net of Allowance	1,663	1,812	2,330	2,505	2,684	2,741	2,698	2,735	3,591	3,537	3,537
Loans and Leases	1,686	1,833	2,351	2,526	2,705	2,769	2,733	2,769	3,640	3,578	3,578
Allowance for Loan and Lease Losses	22	21	21	21	21	28	35	35	49	41	41
Loans Held for Sale	5.87	5.78	5.61	-	-	-	-	0.00	3.36	7.01	7.01
Premises and Equipment, Net	58	54	64	63	61	58	71	69	71	62	62
Goodwill	13	13	26	26	26	26	26	26	34	34	34
Intangible Assets	10	7.14	7.17	4.53	2.50	1.08	0.34	0.09	9.06	4.85	4.85
Other Assets	421	382	316	366	395	476	379	372	243	197	197
Total Liabilities & Shareholders' Equity	2,783	2,718	3,207	3,304	3,476	3,723	3,525	3,549	4,673	4,546	4,546
Total Liabilities	2,412	2,358	2,809	2,895	3,067	3,315	3,128	3,160	4,173	3,945	3,945
Non-Interest Bearing Deposits	1,872	1,803	2,048	2,196	2,327	2,786	2,956	3,100	3,661	3,710	3,710
Long-Term Debt	475	491	697	635	680	475	115	0.00	444	175	175
Other Long-Term Liabilities	63	62	62	62	60	54	58	61	68	60	60
Total Equity & Noncontrolling Interests	371	360	398	409	409	408	397	389	500	601	601
Total Preferred & Common Equity	371	360	398	409	409	408	397	389	500	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	371	360	398	409	409	408	397	389	500	601	601
Common Stock	211	186	214	218	190	170	161	126	173	167	167
Retained Earnings	168	180	192	201	225	243	240	270	333	437	437
Accumulated Other Comprehensive Income / (Loss)	0.87	2.34	0.27	-1.60	0.73	2.02	1.51	-2.40	-1.55	0.58	0.58
Other Equity Adjustments	-8.99	-8.46	-7.94	-7.41	-6.88	-6.35	-5.82	-5.29	-4.50	-3.44	-3.44

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

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

Metric	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	6/30/2014	6/30/2015	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
DEI Shares Outstanding	19,101,752.00	20,234,574.00	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
DEI Adjusted Shares Outstanding	19,101,752.00	20,234,574.00	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
DEI Earnings Per Adjusted Shares Outstanding	0.54	0.40	0.63	0.63	0.43	1.49	1.34	0.94	2.27	2.57	3.13
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.10%	45.13%	4.02%	11.77%	201.00%	-59.82%	3.59%	6.48%	4.71%	25.74%	7.69%
EBITDA Growth	22.19%	-24.93%	59.61%	-11.87%	1,299.15%	-85.98%	-3.93%	-8.87%	90.08%	23.99%	21.95%
EBIT Growth	34.70%	-28.76%	54.56%	4.17%	1,294.63%	-85.72%	-15.12%	-33.71%	137.63%	25.97%	22.30%
NOPAT Growth	14.24%	-22.40%	42.75%	3.41%	-30.49%	229.64%	-16.07%	-31.20%	127.45%	25.11%	22.87%
Net Income Growth	14.24%	-22.40%	42.75%	3.41%	-30.49%	229.64%	-16.07%	-31.20%	127.45%	25.11%	22.87%
EPS Growth	20.00%	-22.22%	54.76%	0.00%	-32.31%	231.82%	-10.96%	-27.69%	137.23%	25.56%	14.29%
Operating Cash Flow Growth	-0.71%	-90.68%	1,206.28%	-47.74%	107.20%	-75.64%	-612.45%	124.45%	246.56%	-227.98%	207.17%
Free Cash Flow Firm Growth	69.90%	-733.78%	101.59%	-3,630.80%	125.15%	-126.81%	1,564.77%	69.61%	-59.13%	-422.26%	148.72%
Invested Capital Growth	16.13%	97.61%	0.58%	28.51%	-4.56%	4.09%	-18.88%	-42.09%	-23.98%	142.69%	-20.54%
Revenue Q/Q Growth	1.85%	9.08%	0.94%	3.38%	174.92%	-60.71%	-2.51%	5.05%	0.96%	0.00%	0.00%
EBITDA Q/Q Growth	-14.24%	12.76%	13.83%	10.85%	602.92%	-85.76%	-12.09%	-34.05%	64.68%	0.00%	0.00%
EBIT Q/Q Growth	-13.90%	14.05%	10.82%	15.28%	626.28%	-85.60%	-17.77%	-46.40%	100.83%	0.00%	0.00%
NOPAT Q/Q Growth	-12.56%	14.64%	6.95%	14.10%	42.13%	3.06%	-13.26%	-43.23%	60.45%	0.00%	0.00%
Net Income Q/Q Growth	-12.56%	14.64%	6.95%	14.10%	42.13%	3.06%	-13.26%	-43.23%	60.45%	0.00%	0.00%
EPS Q/Q Growth	-11.48%	16.67%	8.33%	10.17%	57.14%	2.10%	-13.91%	-42.33%	61.59%	0.00%	0.00%
Operating Cash Flow Q/Q Growth	-13.60%	-32.68%	17.66%	0.63%	1.09%	-51.29%	-114.36%	146.05%	-28.18%	0.00%	0.00%
Free Cash Flow Firm Q/Q Growth	-309.20%	-55.47%	102.94%	-64.63%	1,557.35%	54.54%	30.57%	-59.98%	139.30%	0.00%	0.00%
Invested Capital Q/Q Growth	18.34%	33.78%	-1.71%	7.60%	1.72%	-0.02%	-6.08%	0.00%	-8.54%	0.00%	0.00%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	25.35%	13.11%	20.12%	15.86%	73.74%	25.72%	23.85%	20.42%	37.06%	36.55%	41.39%
EBIT Margin	23.36%	11.47%	17.04%	15.88%	73.58%	26.15%	21.43%	13.34%	30.28%	30.33%	34.45%
Profit (Net Income) Margin	16.26%	8.70%	11.93%	11.04%	2.55%	20.92%	16.95%	10.95%	23.79%	23.67%	27.00%
Tax Burden Percent	69.62%	75.83%	70.04%	69.53%	23.55%	79.99%	79.09%	82.09%	78.57%	78.03%	78.39%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	14.72%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	30.38%	24.17%	29.96%	30.47%	76.45%	20.01%	20.91%	17.91%	21.43%	21.97%	21.61%
Return on Invested Capital (ROIC)	2.59%	1.26%	1.35%	1.22%	0.77%	2.54%	2.31%	2.25%	7.92%	6.69%	6.47%
ROIC Less NNEP Spread (ROIC-NNEP)	2.59%	1.26%	1.35%	1.22%	0.77%	2.54%	2.31%	2.25%	7.92%	6.69%	6.47%
Return on Net Nonoperating Assets (RNNOA)	0.11%	0.89%	1.79%	1.91%	1.27%	4.09%	3.27%	1.65%	1.16%	3.34%	3.95%
Return on Equity (ROE)	2.70%	2.15%	3.13%	3.13%	2.04%	6.64%	5.58%	3.90%	9.08%	10.04%	10.42%
Cash Return on Invested Capital (CROIC)	-12.34%	-64.34%	0.77%	-23.74%	5.43%	-1.46%	23.16%	55.55%	35.17%	-76.58%	29.36%
Operating Return on Assets (OROA)	0.81%	0.44%	0.59%	0.58%	7.30%	1.00%	0.80%	0.53%	1.28%	1.39%	1.51%
Return on Assets (ROA)	0.57%	0.33%	0.42%	0.40%	0.25%	0.80%	0.63%	0.43%	1.01%	1.09%	1.18%
Return on Common Equity (ROCE)	2.70%	2.15%	3.13%	3.13%	2.04%	6.64%	5.58%	3.90%	9.08%	10.04%	10.42%
Return on Equity Simple (ROE_SIMPLE)	2.74%	2.16%	3.18%	2.98%	2.01%	6.64%	5.58%	3.95%	9.17%	8.92%	9.93%
Net Operating Profit after Tax (NOPAT)	10	8.03	11	12	8.24	27	23	16	36	45	55
NOPAT Margin	16.26%	8.70%	11.93%	11.04%	2.55%	20.92%	16.95%	10.95%	23.79%	23.67%	27.00%
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	64.07%	62.76%	61.93%	59.54%	20.37%	54.91%	56.50%	58.48%	55.04%	45.64%	45.36%
Operating Expenses to Revenue	86.55%	88.37%	82.96%	84.12%	26.42%	69.46%	72.25%	91.64%	70.12%	61.50%	61.84%
Earnings before Interest and Taxes (EBIT)	15	11	16	17	238	34	29	19	45	57	70
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	16	12	19	17	238	33	32	29	56	69	84
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.73	0.84	0.85	1.07	1.20	1.04	0.63	1.11	0.97	0.71	1.05
Price to Tangible Book Value (P/TBV)	0.76	0.90	0.90	1.16	1.30	1.11	0.67	1.19	1.04	0.78	1.14
Price to Revenue (P/Rev)	4.35	3.38	3.20	3.96	1.53	3.27	1.90	3.08	2.53	1.89	2.86
Price to Earnings (P/E)	26.78	38.85	26.83	35.87	2.34	15.63	11.20	28.16	10.62	7.97	10.60
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.77%	1.80%	1.17%	1.45%	1.91%	1.36%
Earnings Yield	3.73%	2.57%	3.73%	2.79%	42.81%	6.40%	8.93%	3.55%	9.41%	12.55%	9.43%
Enterprise Value to Invested Capital (EV/IC)	0.28	0.54	0.69	0.82	0.95	0.90	0.63	0.91	0.64	0.44	0.63
Enterprise Value to Revenue (EV/Rev)	1.88	5.01	6.11	8.43	3.07	7.56	4.11	3.25	1.67	2.21	2.32
Enterprise Value to EBITDA (EV/EBITDA)	7.40	38.18	30.36	53.12	4.17	29.40	17.24	15.92	4.50	6.06	5.61
Enterprise Value to EBIT (EV/EBIT)	8.03	43.65	35.84	53.06	4.17	28.92	19.20	24.36	5.51	7.30	6.74
Enterprise Value to NOPAT (EV/NOPAT)	11.54	57.56	51.18	76.32	120.45	36.15	24.27	29.68	7.01	9.36	8.60
Enterprise Value to Operating Cash Flow (EV/OCF)	5.02	208.65	20.27	59.82	31.67	128.64	0.00	48.67	7.55	0.00	10.38
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	89.49	0.00	17.05	0.00	2.42	1.20	1.58	0.00	1.90
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.14	1.29	1.37	1.76	1.56	1.66	1.16	0.29	0.00	0.89	0.36
Long-Term Debt to Equity	0.01	1.29	1.37	1.76	1.56	1.66	1.16	0.29	0.00	0.89	0.36
Financial Leverage	0.04	0.71	1.33	1.57	1.65	1.61	1.41	0.73	0.15	0.50	0.61
Leverage Ratio	4.78	6.49	7.52	7.82	8.07	8.29	8.81	9.01	9.01	9.25	8.81
Compound Leverage Factor	4.78	6.49	7.52	7.82	1.19	8.29	8.81	9.01	9.01	9.25	8.81
Debt to Total Capital	12.12%	56.25%	57.80%	63.72%	60.88%	62.45%	53.78%	22.48%	0.00%	47.03%	26.42%
Short-Term Debt to Total Capital	11.65%	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	0.47%	56.25%	57.80%	63.72%	60.88%	62.45%	53.78%	22.48%	0.00%	47.03%	26.42%
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	87.88%	43.75%	42.20%	36.28%	39.12%	37.55%	46.22%	77.52%	100.00%	52.97%	73.58%
Debt to EBITDA	3.23	39.42	25.52	41.04	2.67	20.37	14.81	3.94	0.00	6.44	2.36
Net Debt to EBITDA	-9.78	12.41	14.44	28.15	2.10	16.68	9.28	0.82	0.00	0.90	-1.31
Long-Term Debt to EBITDA	0.12	39.42	25.52	41.04	2.67	20.37	14.81	3.94	0.00	6.44	2.36
Debt to NOPAT	5.03	59.44	43.03	58.95	77.34	25.05	20.85	7.34	0.00	9.95	3.62
Net Debt to NOPAT	-15.24	18.72	24.34	40.45	60.62	20.52	13.07	1.52	0.00	1.39	-2.00
Long-Term Debt to NOPAT	0.19	59.44	43.03	58.95	77.34	25.05	20.85	7.34	0.00	9.95	3.62
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)	-49	-411	6.55	-231	58	-16	228	387	158	-510	249
Operating Cash Flow to CapEx	1,234.93%	44.01%	3,480.26%	620.23%	1,221.01%	40.79%	-224.20%	37.76%	2,746.93%	0.00%	271.44%
Free Cash Flow to Firm to Interest Expense	-9.07	-76.23	1.08	-28.05	1.81	-0.51	7.10	25.14	29.65	-17.17	2.70
Operating Cash Flow to Interest Expense	4.37	0.41	4.79	1.83	0.97	0.25	-1.22	0.62	6.20	-1.43	0.49
Operating Cash Flow Less CapEx to Interest Expense	4.02	-0.52	4.65	1.54	0.89	-0.36	-1.76	-1.02	5.98	-1.36	0.31
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.03	0.04	0.03	0.04	0.10	0.04	0.04	0.04	0.04	0.05	0.04
Fixed Asset Turnover	1.83	1.76	1.72	1.82	5.12	2.10	2.25	2.21	2.14	2.69	2.88
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	429	848	853	1,096	1,046	1,089	883	512	389	944	750
Invested Capital Turnover	0.16	0.14	0.11	0.11	0.30	0.12	0.14	0.21	0.33	0.28	0.24
Increase / (Decrease) in Invested Capital	60	419	4.91	243	-50	43	-206	-372	-123	555	-194
Enterprise Value (EV)	119	462	586	904	992	981	553	465	250	417	472
Market Capitalization	277	312	307	425	493	424	255	441	379	355	581
Book Value per Share	$19.74	$18.34	$19.91	$20.99	$21.50	$22.42	$23.99	$23.86	$24.73	$28.78	$31.48
Tangible Book Value per Share	$18.97	$17.21	$18.82	$19.26	$19.91	$20.88	$22.42	$22.30	$23.10	$26.29	$29.15
Total Capital	429	848	853	1,096	1,046	1,089	883	512	389	944	750
Total Debt	52	477	493	698	637	680	475	115	0.00	444	198
Total Long-Term Debt	2.00	477	493	698	637	680	475	115	0.00	444	198
Net Debt	-158	150	279	479	499	557	298	24	-129	62	-110
Capital Expenditures (CapEx)	1.92	5.03	0.83	2.44	2.57	19	17	25	1.21	-1.87	17
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)	52	477	493	698	637	680	475	115	0.00	444	198
Total Depreciation and Amortization (D&A)	1.26	1.52	2.96	-0.02	0.51	-0.56	3.26	10	10	12	14
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.42	$0.65	$0.66	$0.45	$1.52	$1.34	$0.96	$2.27	$2.82	$3.21
Adjusted Weighted Average Basic Shares Outstanding	0.00	19.04M	17.42M	17.38M	18.03M	17.69M	16.73M	16.08M	15.52M	15.70M	16.91M
Adjusted Diluted Earnings per Share	$0.00	$0.42	$0.65	$0.65	$0.44	$1.46	$1.30	$0.94	$2.23	$2.80	$3.20
Adjusted Weighted Average Diluted Shares Outstanding	0.00	19.12M	17.61M	17.96M	18.73M	18.39M	17.29M	16.50M	15.81M	15.78M	16.98M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$1.52	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	19.15M	18.00M	18.97M	19.02M	17.86M	17.02M	32.92M	31.24M	17.37M	16.93M
Normalized Net Operating Profit after Tax (NOPAT)	13	12	12	17	25	27	23	17	36	49	55
Normalized NOPAT Margin	19.94%	13.48%	12.62%	16.29%	7.61%	21.19%	16.95%	11.82%	23.79%	25.93%	27.00%
Pre Tax Income Margin	23.36%	11.47%	17.04%	15.88%	10.83%	26.15%	21.43%	13.34%	30.28%	30.33%	34.45%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.73	1.96	2.71	2.07	7.39	1.12	0.90	1.24	8.50	1.92	0.76
NOPAT to Interest Expense	1.90	1.49	1.90	1.44	0.26	0.89	0.71	1.02	6.68	1.50	0.60
EBIT Less CapEx to Interest Expense	2.38	1.03	2.57	1.77	7.31	0.50	0.35	-0.40	8.27	1.99	0.58
NOPAT Less CapEx to Interest Expense	1.55	0.56	1.76	1.14	0.18	0.28	0.17	-0.63	6.45	1.56	0.41
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	11.70%	19.98%	32.01%	15.29%	13.97%	13.99%
Augmented Payout Ratio	284.86%	230.16%	242.09%	0.00%	0.00%	124.56%	127.45%	135.08%	136.87%	13.97%	15.16%

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

Metric	Q1 2023	Q2 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026	Q2 2026
Period end date	9/30/2023	6/30/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2025	3/31/2025	6/30/2025	9/30/2025	3/31/2026	6/30/2026
DEI Shares Outstanding	17,367,173.00	17,370,063.00	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	16,928,453.00	16,805,350.00
DEI Adjusted Shares Outstanding	17,367,173.00	17,370,063.00	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	16,928,453.00	16,805,350.00
DEI Earnings Per Adjusted Shares Outstanding	0.85	0.86	0.87	0.71	0.75	1.36	0.83	0.98	0.94	0.99	0.93
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	33.44%	36.29%	-1.47%	-0.44%	0.00%	0.00%	1.78%	7.57%	6.91%	6.68%	0.29%
EBITDA Growth	33.10%	35.69%	1.61%	-11.54%	0.00%	0.00%	-2.01%	27.72%	12.68%	11.21%	-6.21%
EBIT Growth	38.14%	39.67%	1.92%	-18.79%	0.00%	0.00%	-3.05%	38.07%	24.19%	13.88%	-10.01%
NOPAT Growth	40.90%	35.52%	1.58%	-17.29%	0.00%	0.00%	-3.50%	38.59%	25.77%	15.36%	-9.18%
Net Income Growth	40.90%	35.52%	1.58%	-17.29%	0.00%	0.00%	-3.50%	38.59%	25.77%	15.36%	-9.18%
EPS Growth	35.38%	32.35%	0.00%	-18.89%	0.00%	0.00%	-4.55%	36.99%	25.00%	17.86%	-6.00%
Operating Cash Flow Growth	-112.69%	-421.85%	-125.57%	109.57%	0.00%	0.00%	893.55%	-249.07%	-125.71%	54.68%	117.14%
Free Cash Flow Firm Growth	112.94%	28.48%	-823.53%	65.80%	0.00%	0.00%	118.07%	156.83%	0.00%	6.46%	54.93%
Invested Capital Growth	-9.23%	73.10%	104.46%	15.38%	0.00%	0.00%	-7.10%	-4.87%	0.00%	-7.96%	-9.23%
Revenue Q/Q Growth	31.65%	2.05%	0.00%	1.04%	0.16%	22.10%	0.00%	6.78%	-0.45%	0.00%	0.38%
EBITDA Q/Q Growth	61.07%	85.46%	0.00%	-14.24%	7.70%	51.83%	0.00%	11.78%	-4.98%	0.00%	-5.77%
EBIT Q/Q Growth	67.80%	138.26%	0.00%	-16.85%	6.24%	74.67%	0.00%	18.42%	-4.44%	0.00%	-6.43%
NOPAT Q/Q Growth	146.19%	122.94%	0.00%	-17.58%	5.59%	81.26%	0.00%	18.37%	-4.18%	0.00%	-6.81%
Net Income Q/Q Growth	146.19%	122.94%	0.00%	-17.58%	5.59%	81.26%	0.00%	18.37%	-4.18%	0.00%	-6.81%
EPS Q/Q Growth	125.64%	125.00%	0.00%	-17.05%	4.11%	0.00%	0.00%	19.05%	-5.00%	0.00%	-5.05%
Operating Cash Flow Q/Q Growth	21.76%	-1,445.84%	0.00%	165.55%	639.26%	-89.11%	0.00%	-112.31%	-27.51%	0.00%	-98.67%
Free Cash Flow Firm Q/Q Growth	-57.17%	-767.22%	0.00%	73.10%	100.00%	0.00%	0.00%	-15.38%	-1,444.01%	0.00%	23.15%
Invested Capital Q/Q Growth	1.90%	96.48%	0.00%	10.87%	-100.00%	0.00%	0.00%	13.53%	-2.16%	0.00%	11.98%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	44.02%	43.36%	45.39%	38.53%	41.43%	51.53%	43.70%	45.75%	43.67%	45.75%	42.95%
EBIT Margin	36.73%	38.33%	37.99%	31.27%	33.17%	47.45%	36.19%	40.14%	38.53%	38.63%	36.01%
Profit (Net Income) Margin	29.21%	29.56%	30.11%	24.56%	25.89%	38.44%	28.54%	31.64%	30.46%	30.87%	28.66%
Tax Burden Percent	79.52%	77.12%	79.25%	78.55%	78.07%	81.01%	78.87%	78.84%	79.06%	79.90%	79.57%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	20.48%	22.88%	20.75%	21.45%	21.93%	18.99%	21.13%	21.16%	20.94%	20.10%	20.43%
Return on Invested Capital (ROIC)	11.41%	8.43%	9.37%	5.49%	0.00%	10.40%	7.42%	7.47%	15.33%	0.00%	0.00%
ROIC Less NNEP Spread (ROIC-NNEP)	11.41%	8.43%	9.37%	5.49%	0.00%	10.40%	7.42%	7.47%	15.33%	0.00%	0.00%
Return on Net Nonoperating Assets (RNNOA)	0.58%	3.61%	2.70%	3.89%	0.00%	3.74%	3.07%	4.40%	6.18%	0.00%	0.00%
Return on Equity (ROE)	11.98%	12.04%	12.07%	9.38%	0.00%	14.14%	10.48%	11.87%	21.51%	0.00%	0.00%
Cash Return on Invested Capital (CROIC)	19.27%	-47.70%	-61.19%	-9.24%	0.00%	33.15%	14.31%	11.73%	0.00%	8.30%	9.67%
Operating Return on Assets (OROA)	1.70%	1.67%	1.74%	1.27%	0.00%	2.08%	1.60%	1.80%	1.76%	0.00%	0.00%
Return on Assets (ROA)	1.35%	1.29%	1.38%	1.00%	0.00%	1.68%	1.26%	1.42%	1.40%	0.00%	0.00%
Return on Common Equity (ROCE)	11.98%	12.04%	12.07%	9.38%	0.00%	14.14%	10.48%	11.87%	21.51%	0.00%	0.00%
Return on Equity Simple (ROE_SIMPLE)	10.09%	7.81%	8.30%	8.07%	0.00%	0.00%	9.60%	10.20%	10.48%	0.00%	0.00%
Net Operating Profit after Tax (NOPAT)	15	15	15	12	13	24	15	17	16	17	16
NOPAT Margin	29.21%	29.56%	30.11%	24.56%	25.89%	38.44%	28.54%	31.64%	30.46%	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%	45.83%	46.25%	45.00%	45.65%	42.85%	46.07%	43.23%	44.52%	47.48%	48.03%
Operating Expenses to Revenue	58.21%	60.87%	59.68%	60.31%	60.96%	54.91%	60.79%	57.47%	57.75%	60.69%	62.30%
Earnings before Interest and Taxes (EBIT)	19	19	19	16	17	29	18	22	21	21	20
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	22	22	23	19	21	32	22	25	24	25	23
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.93	0.78	0.87	0.99	0.00	1.35	1.07	1.13	1.20	1.22	1.40
Price to Tangible Book Value (P/TBV)	0.99	0.86	0.94	1.07	0.00	1.46	1.15	1.22	1.29	1.30	1.49
Price to Revenue (P/Rev)	2.26	2.03	2.50	2.76	0.00	3.68	2.97	3.17	3.41	0.00	0.00
Price to Earnings (P/E)	9.21	9.93	10.45	12.24	0.00	13.63	11.10	11.11	11.47	0.00	0.00
Dividend Yield	1.89%	1.91%	1.56%	1.45%	1.31%	1.14%	1.34%	1.26%	1.17%	1.17%	1.06%
Earnings Yield	10.86%	10.07%	9.57%	8.17%	0.00%	7.34%	9.01%	9.00%	8.72%	0.00%	0.00%
Enterprise Value to Invested Capital (EV/IC)	0.62	0.42	0.51	0.63	0.00	0.85	0.62	0.72	0.74	0.73	0.94
Enterprise Value to Revenue (EV/Rev)	1.51	1.87	2.22	3.01	0.00	3.14	2.28	2.95	2.95	0.00	0.00
Enterprise Value to EBITDA (EV/EBITDA)	4.03	5.82	6.01	8.48	0.00	7.59	5.58	6.90	6.80	0.00	0.00
Enterprise Value to EBIT (EV/EBIT)	4.87	7.20	7.23	10.49	0.00	9.11	6.69	8.11	7.81	0.00	0.00
Enterprise Value to NOPAT (EV/NOPAT)	6.16	9.17	9.28	13.38	0.00	11.63	8.54	10.35	9.93	0.00	0.00
Enterprise Value to Operating Cash Flow (EV/OCF)	7.94	0.00	0.00	27.70	0.00	14.02	3.69	5.51	11.09	0.00	0.00
Enterprise Value to Free Cash Flow (EV/FCFF)	3.07	0.00	0.00	0.00	0.00	0.00	4.15	5.94	0.00	8.47	9.25
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.70	0.50	0.72	0.00	0.36	0.33	0.48	0.40	0.17	0.29
Long-Term Debt to Equity	0.00	0.70	0.50	0.72	0.00	0.36	0.33	0.48	0.40	0.17	0.29
Financial Leverage	0.05	0.43	0.29	0.71	0.00	0.36	0.41	0.59	0.40	0.25	0.38
Leverage Ratio	8.88	9.34	8.75	9.37	0.00	8.81	8.32	8.39	7.71	7.73	7.64
Compound Leverage Factor	8.88	9.34	8.75	9.37	0.00	8.81	8.32	8.39	7.71	7.73	7.64
Debt to Total Capital	0.00%	41.14%	33.34%	41.70%	0.00%	26.42%	24.87%	32.20%	28.73%	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%	41.14%	33.34%	41.70%	0.00%	26.42%	24.87%	32.20%	28.73%	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	100.00%	58.86%	66.66%	58.30%	0.00%	73.58%	75.13%	67.80%	71.27%	85.53%	77.44%
Debt to EBITDA	0.00	5.68	3.90	5.62	0.00	2.36	2.25	3.11	2.63	0.00	0.00
Net Debt to EBITDA	0.00	-0.48	-0.76	0.72	0.00	-1.31	-1.67	-0.51	-1.06	0.00	0.00
Long-Term Debt to EBITDA	0.00	5.68	3.90	5.62	0.00	2.36	2.25	3.11	2.63	0.00	0.00
Debt to NOPAT	0.00	8.95	6.02	8.87	0.00	3.62	3.45	4.66	3.85	0.00	0.00
Net Debt to NOPAT	0.00	-0.76	-1.17	1.14	0.00	-2.00	-2.55	-0.77	-1.54	0.00	0.00
Long-Term Debt to NOPAT	0.00	8.95	6.02	8.87	0.00	3.62	3.45	4.66	3.85	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)	55	-314	-399	-107	0.00	0.00	72	61	-820	77	94
Operating Cash Flow to CapEx	-618.06%	-1,086.54%	0.00%	47.44%	1,110.30%	308.87%	2,490.93%	0.00%	-1,481.18%	0.00%	831.64%
Free Cash Flow to Firm to Interest Expense	2.80	-20.59	-18.03	-4.67	0.00	0.00	3.48	3.14	-40.96	4.46	5.95
Operating Cash Flow to Interest Expense	-0.20	-4.06	-0.41	0.26	1.80	0.48	3.46	-0.45	-0.56	6.45	0.09
Operating Cash Flow Less CapEx to Interest Expense	-0.24	-4.44	-0.35	-0.29	1.64	0.32	3.32	-0.17	-0.60	6.46	0.08
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.04	0.05	0.04	0.00	0.04	0.04	0.04	0.05	0.00	0.00
Fixed Asset Turnover	2.37	2.44	2.71	2.60	0.00	2.88	3.08	3.12	3.37	0.00	0.00
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	396	779	810	898	0.00	750	753	854	836	693	776
Invested Capital Turnover	0.39	0.29	0.31	0.22	0.00	0.27	0.26	0.24	0.50	0.00	0.00
Increase / (Decrease) in Invested Capital	-40	329	414	120	0.00	0.00	-58	-44	836	-60	-79
Enterprise Value (EV)	246	328	416	565	0.00	637	464	611	620	508	729
Market Capitalization	368	355	469	517	589	747	602	656	716	722	838
Book Value per Share	$22.81	$26.38	$31.06	$30.02	$0.00	$31.48	$32.19	$33.01	$34.05	$34.99	$35.74
Tangible Book Value per Share	$21.33	$23.77	$28.69	$27.62	$0.00	$29.15	$29.90	$30.74	$31.80	$32.72	$33.46
Total Capital	396	779	810	898	0.00	750	753	854	836	693	776
Total Debt	0.00	320	270	375	0.00	198	187	275	240	100	175
Total Long-Term Debt	0.00	320	270	375	0.00	198	187	275	240	100	175
Net Debt	-122	-27	-53	48	0.00	-110	-138	-45	-96	-214	-109
Capital Expenditures (CapEx)	0.65	5.70	-1.23	12	3.94	1.54	2.88	-5.62	0.76	-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	320	270	375	0.00	198	187	275	240	100	175
Total Depreciation and Amortization (D&A)	3.70	2.55	3.70	3.67	4.19	2.52	3.83	3.05	2.78	3.87	3.78
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.61	$0.00	$0.00	$0.73	$0.00	$1.37	$0.84	$1.01	$0.96	$1.00	$0.95
Adjusted Weighted Average Basic Shares Outstanding	14.99M	0.00	0.00	16.88M	0.00	16.99M	17.01M	17.01M	17.00M	16.58M	16.31M
Adjusted Diluted Earnings per Share	$0.60	$0.00	$0.00	$0.73	$0.00	$1.35	$0.84	$1.00	$0.95	$0.99	$0.94
Adjusted Weighted Average Diluted Shares Outstanding	15.13M	0.00	0.00	16.90M	0.00	17.11M	17.11M	17.11M	17.13M	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	15.63M	0.00	0.00	17.50M	0.00	16.93M	17.55M	17.50M	17.44M	16.81M	16.69M
Normalized Net Operating Profit after Tax (NOPAT)	15	15	15	12	13	24	15	17	16	17	16
Normalized NOPAT Margin	29.21%	29.56%	30.11%	24.56%	25.89%	38.44%	28.54%	31.64%	30.46%	30.87%	30.23%
Pre Tax Income Margin	36.73%	38.33%	37.99%	31.27%	33.17%	47.45%	36.19%	40.14%	38.53%	38.63%	36.01%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	0.95	1.28	0.86	0.69	0.69	2.93	0.89	1.12	1.04	1.22	1.24
NOPAT to Interest Expense	0.75	0.99	0.68	0.54	0.54	2.37	0.70	0.89	0.82	0.98	0.98
EBIT Less CapEx to Interest Expense	0.91	0.90	0.92	0.14	0.53	2.78	0.75	1.41	1.00	1.23	1.23
NOPAT Less CapEx to Interest Expense	0.72	0.61	0.74	0.00	0.38	2.22	0.56	1.18	0.79	0.99	0.97
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	14.67%	17.11%	14.32%	15.63%	0.00%	13.99%	14.46%	13.61%	13.16%	0.00%	0.00%
Augmented Payout Ratio	14.67%	84.01%	14.32%	17.15%	0.00%	15.16%	16.58%	19.25%	18.50%	0.00%	0.00%

Financials Breakdown Chart

Key Financial Trends

HomeTrust Bancshares’ latest results show a stable core banking franchise, but weaker quarterly profitability and volatile cash flows. In Q2 2026, total revenue was $54.5 million, largely unchanged from $54.4 million in Q2 2025. However, net income fell to $15.6 million from $17.2 million, while diluted earnings per share declined to $0.94 from $1.00. The latest quarter also marked a sequential decline from Q1 2026 net income of $16.8 million.

The company’s core spread business is improving. Net interest income increased to $45.3 million in Q2 2026 from $44.2 million in Q2 2025 and $44.3 million in Q1 2026. Lower deposit interest expense helped offset a decline in loan interest income. Over the available period from 2023 through 2026, net interest income has generally remained in the low-to-mid-$40 million range, although it remains below the unusually strong $50.7 million reported in Q4 2024.

Noninterest income and operating expenses are the primary near-term challenges. Noninterest income fell 9.0% year over year to $9.2 million, including lower service charges and other noninterest income. At the same time, noninterest expense rose to $34.0 million from $31.3 million. Q2 2026 also included a $1.1 million impairment charge, which was not present in Q2 2025. These factors reduced pretax income despite a lower provision for credit losses.

The balance sheet remains reasonably well capitalized, although the loan portfolio has contracted. Net loans and leases totaled $3.58 billion at June 30, 2026, down from $3.63 billion a year earlier but up from $3.51 billion at March 31, 2026. Total assets declined 3.0% year over year to $4.44 billion. Common equity increased to $600.6 million from $579.3 million, lifting the equity-to-assets ratio to approximately 13.5% from 12.7%.

Credit trends appear manageable based on the supplied data. The allowance for loan and lease losses declined to $39.8 million from $44.1 million a year earlier, while the quarterly provision for credit losses decreased to $920,000 from $1.3 million. However, continued monitoring is warranted because loan growth is modest and the allowance reduction could provide less protection if credit conditions deteriorate.

Cash flow remains highly variable. Operating cash flow was positive at $1.5 million in Q2 2026, improving from negative $8.8 million in Q2 2025 but falling sharply from $110.8 million in Q1 2026. Investment activity consumed $62.2 million in Q2, primarily because of $87.1 million in investment-security purchases. Financing activities provided $32.6 million, but total cash and equivalents still declined by $28.1 million during the quarter.

Net interest income improved: Q2 2026 net interest income rose 2.4% year over year to $45.3 million, supported by lower deposit funding costs.
Credit-loss provision declined: The provision for credit losses fell to $920,000 from $1.3 million in Q2 2025 and $2.0 million in Q3 2025.
Capital position strengthened: Common equity increased 3.7% year over year to $600.6 million, while long-term debt declined to $175.0 million from $275.2 million.
Loan balances recovered sequentially: Net loans increased from $3.51 billion in Q1 2026 to $3.58 billion in Q2, reversing part of the earlier contraction.
Operating cash flow turned positive year over year: Cash from operating activities improved to $1.5 million from negative $8.8 million in Q2 2025.
Revenue is broadly stable: Total revenue has remained near $50 million to $55 million in most of the supplied quarterly results, suggesting a relatively steady underlying business.
Investment cash flows are distorting liquidity trends: The large Q2 investment-security purchases may reflect portfolio management rather than operating weakness, but they caused a significant quarterly cash outflow.
Net income and EPS declined: Q2 2026 net income fell 9.2% year over year to $15.6 million, and diluted EPS decreased to $0.94 from $1.00.
Noninterest income weakened: Noninterest income declined 9.0% year over year to $9.2 million, reducing revenue diversification.
Operating expenses increased: Noninterest expense rose 8.7% year over year to $34.0 million, including a $1.1 million impairment charge, putting pressure on profitability.

08/25/26 09:22 AM 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 2024, rising from $10.34 million in 2014. The previous period was $44.60 million in 2023. Find out what analysts predict for HomeTrust Bancshares in the coming months.

Over the last 10 years, HomeTrust Bancshares' total revenue changed from $63.59 million in 2014 to $213.07 million in 2024, a change of 235.1%.

HomeTrust Bancshares' total liabilities were at $3.94 billion at the end of 2025, which was unchanged from 2024, and a 63.6% increase since 2015.

In the past 10 years, HomeTrust Bancshares' cash and equivalents has ranged from $14.41 million in 2024 to $45.22 million in 2018, and is currently $14.41 million as of their latest financial filing in 2025.

Over the last 10 years, HomeTrust Bancshares' book value per share changed from 19.74 in 2014 to 31.48 in 2024, a change of 59.4%.

Related Companies

Financial statements for NYSE:HTB last updated on 8/6/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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HomeTrust Bancshares (HTB) Financials

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HomeTrust Bancshares (HTB) Financials

Annual Income Statements for HomeTrust Bancshares

Quarterly Income Statements for HomeTrust Bancshares

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Quarterly Cash Flow Statements for HomeTrust Bancshares

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Quarterly Balance Sheets for HomeTrust Bancshares

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Quarterly Metrics And Ratios for HomeTrust Bancshares

Financials Breakdown Chart

Key Financial Trends

HomeTrust Bancshares Financials - Frequently Asked Questions

When does HomeTrust Bancshares' fiscal year end?

How has HomeTrust Bancshares' net income changed over the last 10 years?

How has HomeTrust Bancshares' revenue changed over the last 10 years?

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How has HomeTrust Bancshares' book value per share changed over the last 10 years?

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