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HomeTrust Bancshares (HTB) Financials

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$45.66 -0.08 (-0.16%)
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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 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
Net Income / (Loss) Attributable to Common Shareholders		 10 8.03 11 12 211 27 23 16 36 45 55
Consolidated Net Income / (Loss)		 10 8.03 11 12 8.24 27 23 16 36 45 55
Net Income / (Loss) Continuing Operations		 10 8.03 11 12 211 27 23 16 36 45 55
Total Pre-Tax Income 		15 11 16 17 35 34 29 19 45 57 70
Total Revenue		 64 92 96 107 323 130 134 143 150 188 203
Net Interest Income / (Expense)		 55 80 82 91 101 107 104 103 111 157 170
Total Interest Income		 60 85 88 99 336 137 136 119 116 187 262
Loans and Leases Interest Income		 57 78 78 90 105 122 122 112 110 176 248
Investment Securities Interest Income		 1.66 4.53 5.62 5.64 124 7.03 8.09 5.73 4.79 9.56 7.93
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 6.05
Total Interest Expense		 5.43 5.39 6.04 8.25 32 30 32 15 5.34 30 92
Deposits Interest Expense		 5.42 4.89 4.53 4.59 6.76 16 23 9.37 5.26 26 87
Long-Term Debt Interest Expense		 0.02 0.50 1.51 3.66 25 15 9.31 6.04 0.08 4.19 4.67
Total Non-Interest Income		 8.74 13 14 16 19 23 30 40 39 31 33
Other Service Charges		 8.73 11 13 11 12 14 15 16 16 16 16
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 6.24
Other Non-Interest Income		 - 1.65 1.64 2.09 2.12 3.04 5.60 7.76 8.39 7.59 12
Provision for Credit Losses		 -6.30 0.15 0.00 0.00 0.00 5.70 8.50 -7.14 -0.59 15 7.55
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 68
Net Occupancy & Equipment Expense		 9.01 15 15 16 16 17 17 19 20 22 22
Marketing Expense		 1.36 2.05 2.04 1.67 1.48 1.85 1.87 1.63 2.58 2.14 1.89
Property & Liability Insurance Claims		 1.31 1.92 1.99 1.38 1.62 1.43 0.90 1.80 1.71 2.25 2.23
Other Operating Expenses		 9.46 13 14 14 15 15 19 43 21 21 21
Depreciation Expense		 - - - - - - - - - - 7.73
Amortization Expense		 0.17 2.55 2.91 2.82 2.65 2.03 1.42 0.74 0.25 1.53 2.46
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 15
Basic Earnings per Share		 $0.54 $0.42 $0.65 $0.66 $0.45 $1.52 $1.34 $0.96 $2.27 $2.82 $3.21
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 16.91M
Diluted Earnings per Share		 $0.54 $0.42 $0.65 $0.65 $0.44 $1.46 $1.30 $0.94 $2.23 $2.80 $3.20
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 16.98M
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

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 Q1 2023 Q2 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 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
Net Income / (Loss) Attributable to Common Shareholders		 15 15 15 12 13 24 15 17 16 17
Consolidated Net Income / (Loss)		 15 15 15 12 13 24 15 17 16 17
Net Income / (Loss) Continuing Operations		 15 15 15 12 13 24 15 17 16 17
Total Pre-Tax Income 		19 19 19 16 17 29 18 22 21 21
Total Revenue		 51 51 50 51 51 62 51 54 54 54
Net Interest Income / (Expense)		 42 44 41 42 42 51 43 44 45 44
Total Interest Income		 62 59 63 65 67 61 64 64 65 61
Loans and Leases Interest Income		 58 56 60 62 63 55 59 60 62 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
Total Interest Expense		 20 15 22 23 24 10 21 19 20 17
Deposits Interest Expense		 16 13 20 21 23 12 20 19 19 17
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
Total Non-Interest Income		 8.63 6.89 8.81 8.11 8.28 11 8.03 10 8.75 10
Other Service Charges		 3.80 3.90 3.67 3.89 3.92 5.03 3.90 3.84 4.37 4.22
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
Other Non-Interest Income		 3.53 1.80 3.69 2.40 2.47 2.06 2.22 2.73 2.66 2.78
Provision for Credit Losses		 2.57 0.41 1.17 4.26 2.98 -1.46 1.54 1.30 2.02 0.37
Total Non-Interest Expense		 30 31 30 30 31 34 31 31 31 33
Salaries and Employee Benefits		 17 17 17 17 17 22 18 18 19 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
Marketing Expense		 0.49 0.70 0.65 0.61 0.41 0.22 0.45 0.44 0.47 0.42
Property & Liability Insurance Claims		 0.72 0.55 0.55 0.53 0.59 0.26 0.51 0.47 0.47 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
Depreciation Expense		 - - 1.64 1.92 2.10 1.34 1.87 1.79 1.77 1.52
Amortization Expense		 0.86 0.86 0.76 0.57 0.57 -0.15 0.52 0.41 0.41 0.37
Income Tax Expense		 3.82 4.46 3.95 3.39 3.68 5.57 3.89 4.62 4.37 4.22
Basic Earnings per Share		 $0.88 $0.91 $0.88 $0.73 $0.77 $1.37 $0.84 $1.01 $0.96 $1.00
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
Diluted Earnings per Share		 $0.88 $0.90 $0.88 $0.73 $0.76 $1.35 $0.84 $1.00 $0.95 $0.99
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
Weighted Average Basic & Diluted Shares Outstanding		 15.63M 17.37M 17.53M 17.50M - 16.93M 17.55M 17.50M 17.44M 16.81M
Cash Dividends to Common per Share		 - $100.00 - - $0.00 - $0.00 $0.00 $0.00 $0.00

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 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
Net Change in Cash & Equivalents		 -80 70 -64 34 -16 0.30 51 -71 54 198 -68
Net Cash From Operating Activities		 24 2.21 29 15 31 7.63 -39 9.56 33 -42 45
Net Cash From Continuing Operating Activities		 24 2.21 29 15 31 7.63 -39 9.56 33 -42 45
Net Income / (Loss) Continuing Operations		 10 8.03 11 12 8.24 27 23 16 36 45 55
Consolidated Net Income / (Loss)		 10 8.03 11 12 8.24 27 23 16 36 45 55
Provision For Loan Losses		 -6.30 0.15 - 0.00 0.00 5.70 8.50 -7.14 -0.59 15 7.55
Depreciation Expense		 1.10 -1.03 0.05 -2.84 -2.14 -2.59 4.78 12 12 13 17
Amortization Expense		 0.17 2.55 2.91 2.82 2.65 2.03 -1.52 -2.09 -1.63 -1.70 -2.95
Non-Cash Adjustments to Reconcile Net Income		 20 0.91 7.48 8.28 24 -15 -66 -12 -9.76 -106 -27
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 -3.97
Net Cash From Investing Activities		 -15 -190 -11 -107 -134 -150 -128 149 35 -121 21
Net Cash From Continuing Investing Activities		 -15 -190 -11 -107 -134 -150 -128 149 35 -121 21
Purchase of Property, Leasehold Improvements and Equipment		 -1.92 -5.03 -0.90 -2.83 -3.49 -19 -17 -25 -3.53 -6.15 -17
Purchase of Investment Securities		 -127 -377 -268 -320 -186 -236 -313 -43 -46 -393 -51
Sale of Property, Leasehold Improvements and Equipment		 - 0.00 0.07 0.40 0.92 - 0.00 0.00 2.32 8.01 0.00
Sale and/or Maturity of Investments		 119 448 230 145 130 104 259 933 85 74 88
Other Investing Activities, net		 0.00 -256 28 82 -75 - -57 -716 -3.01 196 0.00
Net Cash From Financing Activities		 -89 258 -81 126 86 143 218 -230 -14 362 -134
Net Cash From Continuing Financing Activities		 -89 258 -81 126 86 143 218 -230 -14 362 -134
Net Change in Deposits		 -38 -134 -69 -34 148 131 450 170 144 -69 118
Issuance of Debt		 - 410 16 158 - 45 -205 115 -55 457 -227
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 -0.65
Payment of Dividends		 - - - 0.00 0.00 -3.18 -4.55 -5.02 -5.45 -6.23 -7.67
Other Financing Activities, Net		 -0.23 0.07 -0.19 2.50 0.16 0.97 1.32 4.39 5.74 4.80 -17
Cash Interest Paid		 5.27 4.96 6.47 7.98 16 29 33 16 5.31 26 90
Cash Income Taxes Paid		 0.15 0.22 0.43 0.38 0.89 1.55 1.69 0.53 0.68 7.68 14

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 Q2 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q1 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
Net Change in Cash & Equivalents		 -11 33 -86 -0.71 -14 21 -2.62 19 -24
Net Cash From Operating Activities		 -62 -9.03 5.92 44 4.77 72 -8.83 -11 111
Net Cash From Continuing Operating Activities		 -62 -9.03 5.92 44 4.77 72 -8.83 -11 111
Net Income / (Loss) Continuing Operations		 15 15 12 13 14 15 17 16 17
Consolidated Net Income / (Loss)		 15 15 12 13 14 15 17 16 17
Provision For Loan Losses		 0.41 1.17 4.26 2.98 -0.86 1.54 1.30 2.02 0.37
Depreciation Expense		 3.53 4.42 4.35 4.83 3.44 4.15 4.07 3.14 2.68
Amortization Expense		 -0.97 -0.72 -0.68 -0.64 -0.92 -0.23 -1.02 -0.35 1.19
Non-Cash Adjustments to Reconcile Net Income		 -116 -65 -77 -64 179 -66 -171 -123 -53
Changes in Operating Assets and Liabilities, net		 36 36 62 88 -190 117 140 90 143
Net Cash From Investing Activities		 -9.90 48 -71 6.34 37 5.68 -6.94 34 36
Net Cash From Continuing Investing Activities		 -9.90 48 -71 6.34 37 5.68 -6.94 34 36
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
Purchase of Investment Securities		 -28 -20 -65 -1.31 35 -3.99 -28 28 24
Sale of Property, Leasehold Improvements and Equipment		 0.48 5.20 -5.20 - - 0.00 7.42 - 1.02
Sale and/or Maturity of Investments		 19 67 1.67 7.85 12 13 14 6.74 11
Other Investing Activities, net		 4.49 - - 3.75 -8.66 0.23 - 0.68 1.63
Net Cash From Financing Activities		 61 -5.76 -22 -51 -56 -57 13 -4.61 -171
Net Cash From Continuing Financing Activities		 61 -5.76 -22 -51 -56 -57 13 -4.61 -171
Net Change in Deposits		 -74 138 -92 54 18 -43 -70 32 -70
Issuance of Debt		 137 -139 76 -98 -66 -11 88 -35 -75
Repurchase of Common Equity		 - 0.00 -0.65 - - -0.50 -2.83 - -23
Payment of Dividends		 -1.69 -1.87 -1.87 -1.88 -2.05 -2.05 -2.06 -2.05 -2.17
Other Financing Activities, Net		 0.01 -0.07 - 1.73 -18 -0.33 0.22 0.40 -0.52
Cash Interest Paid		 13 20 23 23 24 23 22 20 18
Cash Income Taxes Paid		 1.77 0.05 10 3.37 0.34 0.01 10 4.35 0.07

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 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 12/31/2024 12/31/2025
Total Assets		 2,783 2,718 3,207 3,304 3,476 3,723 3,525 3,549 4,673 4,595 4,546
Cash and Due from Banks		 34 30 42 45 41 32 22 21 18 19 14
Interest Bearing Deposits at Other Banks		 82 23 45 26 30 90 29 84 329 260 310
Time Deposits Placed and Other Short-Term Investments		 211 162 132 67 52 56 40 24 35 29 19
Trading Account Securities		 286 230 239 203 185 244 260 219 339 369 360
Loans and Leases, Net of Allowance		 1,663 1,812 2,330 2,505 2,684 2,741 2,698 2,735 3,591 3,603 3,537
Loans and Leases		 1,686 1,833 2,351 2,526 2,705 2,769 2,733 2,769 3,640 3,648 3,578
Allowance for Loan and Lease Losses		 22 21 21 21 21 28 35 35 49 45 41
Loans Held for Sale		 5.87 5.78 5.61 - - - - 0.00 3.36 4.14 7.01
Premises and Equipment, Net		 58 54 64 63 61 58 71 69 71 70 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 6.60 4.85
Other Assets		 421 382 316 366 395 476 379 372 243 201 197
Total Liabilities & Shareholders' Equity		 2,783 2,718 3,207 3,304 3,476 3,723 3,525 3,549 4,673 4,595 4,546
Total Liabilities		 2,412 2,358 2,809 2,895 3,067 3,315 3,128 3,160 4,173 4,044 3,945
Non-Interest Bearing Deposits		 1,872 1,803 2,048 2,196 2,327 2,786 2,956 3,100 3,661 3,779 3,710
Long-Term Debt		 475 491 697 635 680 475 115 0.00 444 198 175
Other Long-Term Liabilities		 63 62 62 62 60 54 58 61 68 66 60
Total Equity & Noncontrolling Interests		 371 360 398 409 409 408 397 389 500 552 601
Total Preferred & Common Equity		 371 360 398 409 409 408 397 389 500 552 601
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		 371 360 398 409 409 408 397 389 500 552 601
Common Stock		 211 186 214 218 190 170 161 126 173 177 167
Retained Earnings		 168 180 192 201 225 243 240 270 333 381 437
Accumulated Other Comprehensive Income / (Loss)		 0.87 2.34 0.27 -1.60 0.73 2.02 1.51 -2.40 -1.55 -1.69 0.58
Other Equity Adjustments		 -8.99 -8.46 -7.94 -7.41 -6.88 -6.35 -5.82 -5.29 -4.50 -3.97 -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 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 9/30/2024 6/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 4,637 4,671 4,558 4,578 4,592 4,386
Cash and Due from Banks		 19 18 14 17 15 15
Interest Bearing Deposits at Other Banks		 274 276 286 281 300 286
Time Deposits Placed and Other Short-Term Investments		 29 32 26 23 21 14
Trading Account Securities		 346 375 319 331 353 271
Loans and Leases, Net of Allowance		 3,651 3,652 3,604 3,628 3,601 3,506
Loans and Leases		 3,699 3,701 3,649 3,672 3,644 3,547
Allowance for Loan and Lease Losses		 48 49 45 44 43 41
Loans Held for Sale		 2.97 1.61 2.18 1.11 7.91 6.56
Premises and Equipment, Net		 70 70 62 63 62 62
Goodwill		 34 34 34 34 34 34
Intangible Assets		 7.16 7.73 6.08 5.67 5.26 4.47
Other Assets		 204 204 196 194 192 188
Total Liabilities & Shareholders' Equity		 4,637 4,671 4,558 4,578 4,592 4,386
Total Liabilities		 4,097 4,147 3,993 3,999 3,996 3,794
Non-Interest Bearing Deposits		 3,762 3,708 3,736 3,666 3,698 3,640
Long-Term Debt		 270 375 187 275 240 100
Other Long-Term Liabilities		 66 65 69 57 58 54
Total Equity & Noncontrolling Interests		 540 524 565 579 596 592
Total Preferred & Common Equity		 540 524 565 579 596 592
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 540 524 565 579 596 592
Common Stock		 176 173 177 175 176 145
Retained Earnings		 368 357 393 408 423 451
Accumulated Other Comprehensive Income / (Loss)		 0.05 -2.37 -0.60 -0.28 0.33 -0.05
Other Equity Adjustments		 -4.10 -4.23 -3.84 -3.70 -3.57 -3.31

Annual Metrics And Ratios for HomeTrust Bancshares

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%

Quarterly Metrics And Ratios for HomeTrust Bancshares

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
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
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
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
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
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 33.44% 36.29% -1.47% -0.44% 0.00% 0.00% 1.78% 7.57% 6.91% 6.68%
EBITDA Growth		 33.10% 35.69% 1.61% -11.54% 0.00% 0.00% -2.01% 27.72% 12.68% 11.21%
EBIT Growth		 38.14% 39.67% 1.92% -18.79% 0.00% 0.00% -3.05% 38.07% 24.19% 13.88%
NOPAT Growth		 40.90% 35.52% 1.58% -17.29% 0.00% 0.00% -3.50% 38.59% 25.77% 15.36%
Net Income Growth		 40.90% 35.52% 1.58% -17.29% 0.00% 0.00% -3.50% 38.59% 25.77% 15.36%
EPS Growth		 35.38% 32.35% 0.00% -18.89% 0.00% 0.00% -4.55% 36.99% 25.00% 17.86%
Operating Cash Flow Growth		 -112.69% -421.85% -125.57% 109.57% 0.00% 0.00% 893.55% -249.07% -125.71% 54.68%
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%
Invested Capital Growth		 -9.23% 73.10% 104.46% 15.38% 0.00% 0.00% -7.10% -4.87% 0.00% -7.96%
Revenue Q/Q Growth		 31.65% 2.05% 0.00% 1.04% 0.16% 22.10% 0.00% 6.78% -0.45% 0.00%
EBITDA Q/Q Growth		 61.07% 85.46% 0.00% -14.24% 7.70% 51.83% 0.00% 11.78% -4.98% 0.00%
EBIT Q/Q Growth		 67.80% 138.26% 0.00% -16.85% 6.24% 74.67% 0.00% 18.42% -4.44% 0.00%
NOPAT Q/Q Growth		 146.19% 122.94% 0.00% -17.58% 5.59% 81.26% 0.00% 18.37% -4.18% 0.00%
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%
EPS Q/Q Growth		 125.64% 125.00% 0.00% -17.05% 4.11% 0.00% 0.00% 19.05% -5.00% 0.00%
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%
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%
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%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 44.02% 43.36% 45.39% 38.53% 41.43% 51.53% 43.70% 45.75% 43.67% 45.75%
EBIT Margin		 36.73% 38.33% 37.99% 31.27% 33.17% 47.45% 36.19% 40.14% 38.53% 38.63%
Profit (Net Income) Margin		 29.21% 29.56% 30.11% 24.56% 25.89% 38.44% 28.54% 31.64% 30.46% 30.87%
Tax Burden Percent		 79.52% 77.12% 79.25% 78.55% 78.07% 81.01% 78.87% 78.84% 79.06% 79.90%
Interest Burden Percent		 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%
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%
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%
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%
Return on Equity (ROE)		 11.98% 12.04% 12.07% 9.38% 0.00% 14.14% 10.48% 11.87% 21.51% 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%
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%
Return on Assets (ROA)		 1.35% 1.29% 1.38% 1.00% 0.00% 1.68% 1.26% 1.42% 1.40% 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%
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%
Net Operating Profit after Tax (NOPAT)		 15 15 15 12 13 24 15 17 16 17
NOPAT Margin		 29.21% 29.56% 30.11% 24.56% 25.89% 38.44% 28.54% 31.64% 30.46% 30.87%
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%
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%
Operating Expenses to Revenue		 58.21% 60.87% 59.68% 60.31% 60.96% 54.91% 60.79% 57.47% 57.75% 60.69%
Earnings before Interest and Taxes (EBIT)		 19 19 19 16 17 29 18 22 21 21
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 22 22 23 19 21 32 22 25 24 25
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
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
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
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
Dividend Yield		 1.89% 1.91% 1.56% 1.45% 1.31% 1.14% 1.34% 1.26% 1.17% 1.17%
Earnings Yield		 10.86% 10.07% 9.57% 8.17% 0.00% 7.34% 9.01% 9.00% 8.72% 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
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
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
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
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
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
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
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
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
Financial Leverage		 0.05 0.43 0.29 0.71 0.00 0.36 0.41 0.59 0.40 0.25
Leverage Ratio		 8.88 9.34 8.75 9.37 0.00 8.81 8.32 8.39 7.71 7.73
Compound Leverage Factor		 8.88 9.34 8.75 9.37 0.00 8.81 8.32 8.39 7.71 7.73
Debt to Total Capital		 0.00% 41.14% 33.34% 41.70% 0.00% 26.42% 24.87% 32.20% 28.73% 14.47%
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%
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%
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%
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%
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%
Debt to EBITDA		 0.00 5.68 3.90 5.62 0.00 2.36 2.25 3.11 2.63 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
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
Debt to NOPAT		 0.00 8.95 6.02 8.87 0.00 3.62 3.45 4.66 3.85 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
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
Noncontrolling Interest Sharing Ratio		 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
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%
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
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
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
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.05 0.04 0.00 0.04 0.04 0.04 0.05 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
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 396 779 810 898 0.00 750 753 854 836 693
Invested Capital Turnover		 0.39 0.29 0.31 0.22 0.00 0.27 0.26 0.24 0.50 0.00
Increase / (Decrease) in Invested Capital		 -40 329 414 120 0.00 0.00 -58 -44 836 -60
Enterprise Value (EV)		 246 328 416 565 0.00 637 464 611 620 508
Market Capitalization		 368 355 469 517 589 747 602 656 716 722
Book Value per Share		 $22.81 $26.38 $31.06 $30.02 $0.00 $31.48 $32.19 $33.01 $34.05 $34.99
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
Total Capital		 396 779 810 898 0.00 750 753 854 836 693
Total Debt		 0.00 320 270 375 0.00 198 187 275 240 100
Total Long-Term Debt		 0.00 320 270 375 0.00 198 187 275 240 100
Net Debt		 -122 -27 -53 48 0.00 -110 -138 -45 -96 -214
Capital Expenditures (CapEx)		 0.65 5.70 -1.23 12 3.94 1.54 2.88 -5.62 0.76 -0.20
Net Nonoperating Expense (NNE)		 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
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
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
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
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
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
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
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
Normalized Net Operating Profit after Tax (NOPAT)		 15 15 15 12 13 24 15 17 16 17
Normalized NOPAT Margin		 29.21% 29.56% 30.11% 24.56% 25.89% 38.44% 28.54% 31.64% 30.46% 30.87%
Pre Tax Income Margin		 36.73% 38.33% 37.99% 31.27% 33.17% 47.45% 36.19% 40.14% 38.53% 38.63%
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
NOPAT to Interest Expense		 0.75 0.99 0.68 0.54 0.54 2.37 0.70 0.89 0.82 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
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
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%
Augmented Payout Ratio		 14.67% 84.01% 14.32% 17.15% 0.00% 15.16% 16.58% 19.25% 18.50% 0.00%

Financials Breakdown Chart

Key Financial Trends

Below is a concise, analyst-style look at HomeTrust Bancshares, Inc. (HTB) using quarterly data from the last four years. The focus is on trends in cash flow, income, and the balance sheet to help retail investors gauge profitability, liquidity, and risk. Numbers are in USD.

  • Net income from continuing operations stays in the mid-teens of millions each quarter, with Q1 2026 at $16.772M and recent quarters (e.g., Q2 2025 around $17.210M; Q3 2025 around $16.491M). This demonstrates persistent profitability in ongoing operations.
  • Total revenue generally ranges in the $50M–$62M band per quarter, with Q1 2026 at $54.336M and several prior quarters near $54M. This indicates a steady topline across the four-year window, despite cyclicities in banking.
  • Net interest income remains a core driver in the mid-$40M range per quarter (Q1 2026: $44.305M; Q3 2025: $45.389M; Q2 2025: $44.229M), reflecting a stable net interest margin given the loan-heavy balance sheet.
  • Operating cash flow is solid in multiple periods, notably Q1 2026 where net cash from continuing operating activities was about $110.834M, supporting liquidity and debt service capacity.
  • Balance sheet liquidity and capitalization are robust: cash and cash equivalents of about $14.5M (Q1 2026), interest-bearing deposits at other banks around $286.2M, trading account securities about $271.1M, total assets near $4.386B, and total equity around $592.4M. These figures point to a well-capitalized, liquid balance sheet relative to peers in the regional banking space.
  • Loans and Leases, net of allowance has remained sizable and broadly stable, with Q1 2026 net loans around $3.506B and Q3 2025 around $3.600B, suggesting modest year-over-year loanbook stability in a loan-focused franchise.
  • Total equity has persisted in a narrow band around the $580–$596M range across the period, indicating a relatively steady capital base to support lending activity and regulatory requirements.
  • Provision for loan losses is generally modest relative to earnings (examples: Q1 2026 $0.37M; Q3 2025 $2.015M; Q2 2025 $1.303M), suggesting manageable credit costs within the recent cycle.
  • Net change in cash and equivalents for Q1 2026 was negative at about $23.999M, signaling that cash outflows from investing and financing outweighed operating cash flow in that quarter.
  • Net financing activities in Q1 2026 show a sizable outflow of about $171.224M, driven by debt activity and shareholder actions (e.g., debt issuance/repayment, share repurchases, and dividends), which pressured the cash balance despite solid operating performance.
  • Net cash used in investing activities in Q1 2026 was about $36.391M, reflecting ongoing investment in securities and other assets that reduce near-term cash despite positive operating cash flow.
05/12/26 12:55 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' fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

HomeTrust Bancshares' net income appears to be on an upward trend, with a most recent value of $54.81 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 $202.95 million in 2024, a change of 219.2%.

HomeTrust Bancshares' total liabilities were at $3.94 billion at the end of 2025, a 2.4% decrease 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 2025 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%.


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Financial statements for NYSE:HTB last updated on 5/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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