NYSE : HTB
HomeTrust Bancshares, Inc. — Financial statements
Financials · Banks - Regional · United States
Last price 46.33 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 725.69M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 234.16M | 240.40M | 247.64M | 237.13M | 176.27M | 109.60M |
| Interest Income on Investments | 14.87M | 15.74M | 13.97M | 12.24M | 10.86M | 6.51M |
| Total Interest Income | 249.03M | 256.14M | 261.62M | 249.37M | 187.13M | 116.11M |
| Interest Paid on Deposits | 67.64M | 77.60M | 87.44M | 68.52M | 25.52M | 5.26M |
| Interest Paid on Borrowings | 1.11M | 1.80M | 4.67M | 11.77M | 4.19M | 80.00K |
| Total Interest Expense | 68.75M | 79.40M | 92.11M | 80.29M | 29.71M | 5.34M |
| Net Interest Income | 180.28M | 176.74M | 169.50M | 169.08M | 157.41M | 110.77M |
| Gain (Loss) on Sale of Assets | 1.56M | 1.54M | -9.00K | -496.00K | 2.10M | -87.00K |
| Gain (Loss) on Sale of Investments | -1.08M | 1.90M | ||||
| Other Non-Interest Income | 17.88M | 17.22M | 16.90M | 14.92M | 13.84M | 14.96M |
| Total Non-Interest Income | 36.57M | 36.24M | 32.31M | 28.46M | 31.05M | 39.11M |
| Revenues Before Loan Losses | 216.85M | 212.98M | 201.81M | 197.54M | 188.47M | 149.88M |
| Provision for Loan Losses | 4.17M | 6.94M | 7.54M | 11.86M | 15.39M | -592.00K |
| Revenue | 212.67M | 206.04M | 194.26M | 185.68M | 173.07M | 150.47M |
| Salaries and Employee Benefits | 74.54M | 68.78M | 64.47M | 62.75M | 59.09M | 55.94M |
| Occupancy Expenses | 14.18M | 15.44M | 15.87M | 13.85M | 13.02M | 13.49M |
| Federal Deposit Insurance | 1.92M | 1.94M | 2.23M | 2.84M | 2.25M | 1.71M |
| Amortization of Goodwill & Intangibles | 1.39M | 1.75M | 2.46M | 3.44M | 1.52M | 250.00K |
| Selling, General & Administrative | 21.95M | 20.49M | 24.68M | 21.64M | 21.25M | 20.98M |
| Other Non-Interest Expense | 16.83M | 16.79M | 15.79M | 15.09M | 13.31M | 10.94M |
| Total Non-Interest Expense | 130.80M | 125.18M | 125.50M | 119.60M | 110.44M | 103.30M |
| EBT Excluding Unusual Items | 81.87M | 80.86M | 68.77M | 66.07M | 62.63M | 47.17M |
| Other Unusual Items | -1.79M | |||||
| Pretax Income | 81.06M | 80.95M | 69.91M | 71.37M | 57.16M | 45.38M |
| Income Tax Expense | 14.57M | 16.59M | 15.11M | 14.77M | 12.56M | 9.72M |
| Net Income | 66.49M | 64.36M | 54.80M | 56.59M | 44.60M | 35.65M |
| Preferred Dividends & Other Adjustments | 661.00K | 661.00K | 541.00K | 438.00K | 411.00K | 310.00K |
| Net Income to Common | 65.83M | 63.70M | 54.26M | 56.16M | 44.19M | 35.34M |
| Basic Shares Outstanding | 16.43M | 16.99M | 16.91M | 16.81M | 15.70M | 15.52M |
| Diluted Shares Outstanding | 16.55M | 17.11M | 16.98M | 16.81M | 15.78M | 15.81M |
| EPS (Basic) | 4.01 | 3.75 | 3.21 | 3.34 | 2.82 | 2.28 |
| EPS (Diluted) | 3.97 | 3.72 | 3.20 | 3.34 | 2.80 | 2.23 |
| Dividend Per Share | 0.56 | 0.49 | 0.45 | 0.42 | 0.39 | 0.35 |
| Effective Tax Rate | 17.97% | 20.49% | 21.61% | 20.70% | 21.97% | 21.43% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 246.47M | 324.69M | 279.22M | 347.14M | 303.50M | 105.12M |
| Investment Securities | 29.45M | 44.12M | 51.52M | 70.96M | 92.59M | 310.48M |
| Mortgage-Backed Securities | 138.66M | 136.08M | 144.15M | 104.50M | 107.41M | 47.23M |
| Total Investments | 168.11M | 180.20M | 195.67M | 175.46M | 200.00M | 357.71M |
| Gross Loans | 3.63B | 3.58B | 3.65B | 3.64B | 3.66B | 2.77B |
| Allowance for Loan Losses | -39.50M | -41.48M | -45.28M | -48.64M | -47.19M | -34.69M |
| Net Loans | 3.59B | 3.54B | 3.60B | 3.59B | 3.61B | 2.73B |
| Property, Plant & Equipment | 62.48M | 95.45M | 109.52M | 110.32M | 104.59M | 95.02M |
| Goodwill | 34.11M | 34.11M | 34.11M | 34.11M | 34.11M | 25.64M |
| Other Intangible Assets | 3.87M | 4.85M | 6.59M | 9.06M | 10.78M | 93.00K |
| Loans Held for Sale | 101.49M | 205.69M | 206.16M | 201.79M | 168.65M | 79.31M |
| Accrued Interest Receivable | 13.44M | 15.97M | 18.34M | 16.90M | 14.83M | 8.57M |
| Long-Term Deferred Tax Assets | 11.09M | 9.92M | 10.73M | 11.80M | 10.91M | 11.49M |
| Other Long-Term Assets | 154.47M | 134.67M | 118.45M | 156.28M | 128.27M | 122.33M |
| Total Assets | 4.42B | 4.55B | 4.60B | 4.67B | 4.61B | 3.55B |
| Interest Bearing Deposits | 2.81B | 2.80B | 2.93B | 2.76B | 2.66B | 2.20B |
| Institutional Deposits | 198.47M | 169.09M | 118.03M | 120.67M | 156.56M | |
| Non-Interest Bearing Deposits | 773.50M | 707.75M | 680.93M | 784.95M | 825.48M | 745.75M |
| Total Deposits | 3.58B | 3.71B | 3.78B | 3.66B | 3.60B | 3.10B |
| Short-Term Borrowings | 214.00M | 165.00M | 188.00M | 415.00M | 457.26M | |
| Current Portion of Leases | 1.90M | |||||
| Long-Term Debt | 18.76M | |||||
| Long-Term Leases | 7.15M | 9.56M | 10.97M | 10.79M | 6.64M | |
| Trust Preferred Securities | 10.22M | 10.12M | 10.02M | 9.97M | ||
| Pension & Post-Retirement Benefits | 5.03M | 5.16M | 5.33M | 5.42M | 5.53M | |
| Other Long-Term Liabilities | 54.01M | 45.65M | 51.63M | 51.27M | 51.68M | 48.42M |
| Total Liabilities | 3.85B | 3.94B | 4.04B | 4.17B | 4.14B | 3.16B |
| Common Stock | 159.00K | 173.00K | 175.00K | 174.00K | 174.00K | 156.00K |
| Additional Paid-In Capital | 96.60M | 166.86M | 176.69M | 172.37M | 171.22M | 126.11M |
| Retained Earnings | 479.82M | 436.52M | 380.54M | 333.40M | 308.65M | 270.28M |
| Comprehensive Income & Other | -6.45M | -2.86M | -5.65M | -6.05M | -8.86M | -7.69M |
| Shareholders' Equity | 570.13M | 600.69M | 551.76M | 499.89M | 471.19M | 388.85M |
| Total Liabilities & Equity | 4.42B | 4.55B | 4.60B | 4.67B | 4.61B | 3.55B |
| Total Debt | 214.00M | 184.27M | 207.68M | 454.76M | 478.02M | 6.64M |
| Net Cash (Debt) | 41.16M | 159.27M | 100.08M | -72.90M | -141.38M | 122.03M |
| Net Cash Per Share | 2.49 | 9.31 | 5.89 | -4.34 | -8.96 | 7.72 |
| Filing Date Shares Outstanding | 15.66M | 16.75M | 17.40M | 17.31M | 17.22M | 15.48M |
| Total Common Shares Outstanding | 15.66M | 17.11M | 17.36M | 17.26M | 17.22M | 15.46M |
| Book Value Per Share | 36.40 | 35.11 | 31.78 | 28.97 | 27.36 | 25.16 |
| Tangible Book Value | 532.15M | 561.73M | 511.05M | 456.72M | 426.30M | 363.11M |
| Tangible Book Value Per Share | 33.97 | 32.83 | 29.44 | 26.47 | 24.76 | 23.49 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Net Income | 64.36M | 54.80M | 56.59M | 44.60M | 35.65M | |
| Depreciation & Amortization | 14.78M | 17.04M | 16.91M | 13.41M | 11.80M | |
| Gain (Loss) on Sale of Assets | -1.16M | 107.00K | 496.00K | -2.01M | 94.00K | |
| Gain (Loss) on Sale of Investments | 5.14M | 372.00K | 422.00K | 240.00K | -1.90M | |
| Provision for Credit Losses | 6.94M | 7.54M | 11.86M | 15.39M | -592.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -22.97M | -20.59M | -81.88M | -97.72M | -1.66M | |
| Accrued Interest Receivable | -396.00K | -1.19M | 1.41M | 1.80M | 2.38M | |
| Change in Other Net Operating Assets | 1.03M | -1.51M | -1.68M | -2.82M | 1.26M | |
| Other Operating Activities | -4.44M | -3.72M | -12.20M | -3.84M | 2.92M | |
| Operating Cash Flow | 49.49M | 45.44M | -9.09M | -32.89M | 39.11M | |
| Capital Expenditures | -4.17M | -3.04M | -862.00K | -3.42M | -6.61M | |
| Sale of Property, Plant and Equipment | 7.72M | 2.11M | 8.01M | 2.32M | ||
| Cash Acquisitions | 30.60M | |||||
| Investment in Securities | 13.94M | -18.23M | 57.84M | 168.94M | 38.29M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | 90.35M | 4.09M | 46.08M | -313.69M | -6.46M | |
| Other Investing Activities | 2.21M | 37.99M | -75.13M | -21.09M | 1.32M | |
| Investing Cash Flow | 110.06M | 20.81M | 30.03M | -130.64M | 28.86M | |
| Short-Term Debt Issued | 437.00M | |||||
| Long-Term Debt Issued | 20.26M | 60.00M | ||||
| Total Debt Issued | 457.26M | 60.00M | ||||
| Short-Term Debt Repaid | -23.00M | -227.00M | -115.00M | |||
| Long-Term Debt Repaid | -18.76M | -24.73M | -60.00M | |||
| Total Debt Repaid | -23.00M | -245.76M | -47.00M | -24.73M | -175.00M | |
| Net Debt Issued (Repaid) | -23.00M | -245.76M | -47.00M | 432.54M | -115.00M | |
| Issuance of Common Stock | 1.44M | 2.44M | 304.00K | 5.14M | 6.08M | |
| Repurchase of Common Stock | -14.92M | -1.01M | -278.00K | -344.00K | -43.69M | |
| Common Dividends Paid | -8.38M | -7.67M | -7.09M | -6.23M | -5.45M | |
| Net Increase (Decrease) in Deposit Accounts | -69.21M | 117.83M | 120.41M | -69.19M | 144.22M | |
| Financing Cash Flow | -114.08M | -134.17M | 66.34M | 361.91M | -13.84M | |
| Net Cash Flow | 45.47M | -67.92M | 87.29M | 198.38M | 54.13M | |
| Free Cash Flow | 45.32M | 42.40M | -9.95M | -36.31M | 32.50M | |
| Free Cash Flow Margin | 22.00% | 21.83% | -5.36% | -20.98% | 21.60% | |
| Free Cash Flow Per Share | 2.65 | 2.50 | -0.59 | -2.30 | 2.06 | |
| Cash Interest Paid | 83.37M | 90.21M | 74.66M | 26.21M | 5.31M | |
| Cash Income Tax Paid | 19.33M | 14.00M | 14.64M | 7.68M | 684.00K |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2023 | FY2022 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 739.31M | 742.82M | 584.60M | 464.02M | 359.74M | 389.62M |
| Last Close Price | 46.33 | 42.54 | 32.95 | 25.95 | 19.95 | 23.49 |
| PE Ratio | 11.90 | 11.66 | 10.77 | 8.26 | 8.14 | 11.02 |
| PS Ratio | 3.41 | 3.60 | 3.01 | 2.50 | 2.08 | 2.59 |
| PB Ratio | 1.27 | 1.24 | 1.06 | 0.93 | 0.76 | 1.00 |
| P/FCF Ratio | 7.66 | 16.39 | 13.79 | 11.99 | ||
| P/OCF Ratio | 7.35 | 15.01 | 12.87 | 9.96 | ||
| Debt / Equity Ratio | 0.38 | 0.31 | 0.38 | 0.91 | 1.01 | 0.02 |
| Debt / FCF Ratio | 4.07 | 4.90 | 0.20 | |||
| Net Debt / Equity Ratio | -0.07 | -0.27 | -0.18 | 0.15 | 0.30 | -0.31 |
| Net Debt / FCF Ratio | -3.51 | -2.36 | -7.33 | -3.89 | -3.75 | |
| Return on Equity (ROE) | 11.40% | 11.17% | 10.42% | 10.37% | 9.08% | |
| Return on Assets (ROA) | 1.47% | 1.41% | 1.18% | 1.09% | 1.01% | |
| Earnings Yield | 8.41% | 8.67% | 9.38% | 12.20% | 12.40% | 9.15% |
| FCF Yield | 13.06% | 6.10% | 7.25% | -2.15% | -10.09% | 8.34% |
| Dividend Yield | 1.27% | 1.13% | 1.34% | 1.56% | 1.87% | 1.39% |
| Payout Ratio | 14.62% | 13.02% | 13.99% | 12.53% | 13.96% | 15.29% |
| Buyback Yield / Dilution | 3.26% | -0.76% | -0.97% | -6.54% | 0.18% | 4.15% |
| Total Shareholder Return | 4.56% | 0.37% | 0.37% | -4.98% | 2.05% | 5.54% |