HomeTrust Bancshares, Inc. HTB

Financials SIC 6035 - Savings Institution, Federally Chartered NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Savings Institutions and Other Depository Credit Intermediation derived NYSE

HomeTrust Bancshares, Inc., a Maryland corporation, was formed for the purpose of becoming the holding company for HomeTrust Bank in connection with the Bank's conversion from mutual to stock form, which was completed on July 10, 2012. As a bank holding company and financial holding company, we are regulated by the Federal Reserve. At December 31, 2025, the Company had consolidated total assets of $4.5 billion, total deposits of $3.7 billion and stockholders' equity of $600.7 million. The Company has not engaged in any significant activity other than holding the stock of the Bank. Accordingly, the information set forth in this Form 10-K, including the audited consolidated financial statements and related data, relates primarily to the Bank and its subsidiary. As a North Carolina state-chartered bank, and member of the FRB, the Bank's primary regulators are the NCCOB and the Federal Reserve. The Bank's deposits are federally insured up to applicable limits by the FDIC. The Bank is a member of the FHLB of Atlanta, which is one of the 11 regional banks in the FHLB System. Our headquarters is located in Asheville, North Carolina.

Last close 48.10 2026-10-23
Market cap $802.9M 2026-06-30 share count
52-week range 38.82 - 52.50

Valuation FY2025 figures against the last close

P/S3.1x
P/E12.9x
P/FCF17.7x
EV/EBITDA—
Dividend yield1.0%
Diluted EPS3.72

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $256.1M$261.6M$187.1M$116.1M$118.7M$136.3M$11.1M$10.2M$9.0M$87.7M
Interest expense $176.7M$169.5M$157.4M$110.8M$15.4M$32.1M$30.4M$16.1M$8.2M$6.0M
Pre-tax income $81.0M$69.9M$57.2M$45.4M$19.1M$28.8M$33.9M$35.0M$17.0M$16.4M
Income tax $16.6M$15.1M$12.6M$9.7M$3.4M$6.0M$6.8M$26.7M$5.2M$4.9M
Net income $64.4M$54.8M$44.6M$35.7M$15.7M$22.8M$27.1M$8.2M$11.8M$11.5M
EPS, basic 3.753.212.822.270.961.341.520.450.660.65
EPS, diluted 3.723.202.802.230.941.301.460.440.650.65
Shares, diluted (wtd. avg.) 17.1M17.0M15.8M15.8M16.5M17.3M18.4M18.7M18.0M17.6M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $324.7M$279.2M$303.5M$105.1M$51.0M$121.6M$71.0M$70.7M$87.0M$52.6M
Property, plant and equipment $62.4M$69.9M$73.2M$69.1M$70.9M$58.5M$61.1M$62.5M$63.6M$54.2M
Goodwill $34.1M$34.1M$34.1M$25.6M$25.6M$25.6M$25.6M$25.6M$25.6M$12.7M
Other intangibles $4.8M$6.6M$9.1M$93.0K$343.0K$1.1M$2.5M$4.5M$7.2M$7.1M
Total assets $4.55B$4.60B$4.61B$3.55B$3.52B$3.72B$3.48B$3.30B$3.21B$2.72B
Total liabilities $3.94B$4.04B$4.14B$3.16B$3.13B$3.31B$3.07B$2.89B$2.81B$2.36B
Retained earnings $436.5M$380.5M$308.7M$270.3M$240.1M$242.8M$224.5M$200.6M$191.7M$179.8M
Total equity $600.7M$551.8M$471.2M$388.8M$396.5M$408.3M$408.9M$409.2M$397.6M$360.0M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $49.5M$45.4M-$32.9M$39.1M$9.6M-$39.1M$7.6M$31.3M$15.1M$28.9M
Depreciation and amortisation $11.1M$11.6M$9.1M$9.3M$9.5M$5.9M-$6.8M-$6.0M-$6.7M-$4.0M
Capital expenditure $4.2M$3.0M$3.4M$6.6M$16.1M$2.9M$2.1M$3.5M$2.8M$801.0K
Investing cash flow $110.1M$20.8M-$130.6M$28.9M$149.5M-$127.9M-$150.5M-$134.0M-$106.8M-$11.1M
Financing cash flow -$114.1M-$134.2M$361.9M-$13.8M-$229.7M$217.6M$143.2M$86.5M$126.0M-$81.4M
Dividends paid $8.4M$7.7M$6.2M$5.5M$5.0M$4.6M$3.2M$0$0—
Buybacks $13.6M$645.0K$0$43.3M$16.2M$24.5M$30.6M$0$0$27.7M

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001538263-26-000032.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 100M 200M 300M Revenue, FY2016: 87.7M Net income, FY2016: 11.5M Revenue, FY2017: 9M Net income, FY2017: 11.8M Revenue, FY2018: 10.2M Net income, FY2018: 8.2M Revenue, FY2019: 11.1M Net income, FY2019: 27.1M Revenue, FY2020: 136.3M Net income, FY2020: 22.8M Revenue, FY2021: 118.7M Net income, FY2021: 15.7M Revenue, FY2022: 116.1M Net income, FY2022: 35.7M Revenue, FY2023: 187.1M Net income, FY2023: 44.6M Revenue, FY2024: 261.6M Net income, FY2024: 54.8M Revenue, FY2025: 256.1M Net income, FY2025: 64.4M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $87.7M $9.0M $10.2M $11.1M $136.3M $118.7M $116.1M $187.1M $261.6M $256.1M
Gross profit — — — — — — — — — —
Net income $11.5M $11.8M $8.2M $27.1M $22.8M $15.7M $35.7M $44.6M $54.8M $64.4M

Recent filings and events

  • Material agreement signed The company entered an agreement outside the ordinary course of business - a large contract, a credit facility, a merger agreement. Item 1.01
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Results announced Item 2.02
  • Regulation FD disclosure Item 7.01
  • Other event Item 8.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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