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HTBHomeTrust Bancshares, Inc.
$48.45$815M
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HTB logoHomeTrust Bancshares, Inc.(HTB)Earnings, Financials & Key Ratios

HTB•NYSE•Banking & Credit
13.0× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustrySpecialty finance and niche lenders
AboutHomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. Its deposit products include savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises retail consumer loans, such as one-to-four-family real estate lending, home equity lines of credit, construction and land/lots, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services. As of June 30, 2021, the company operated 41 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.Show more
  • Net Interest Income$177M+4.8%
  • Total Revenue$292M-0.9%
  • Net Income$64M+17.4%
  • Return on Equity11.17%+4.2%
  • Net Interest Margin3.89%+5.9%
  • Efficiency Ratio42.8%+1.3%
  • ROA1.41%+18.2%
  • Equity / Assets13.21%+10.1%
  • Book Value per Share35.11+8.4%

HTB Key Insights

HomeTrust Bancshares, Inc. (HTB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 32.6%
  • ✓Strong NIM of 3.9%
  • ✓Efficient operations: 42.8% efficiency ratio
  • ✓Well capitalized: 13.2% equity/assets
  • ✓Trading near 52-week high
  • ✓Trading at only 1.4x book value

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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HTB Price & Volume

HomeTrust Bancshares, Inc. (HTB) stock price & volume — 10-year historical chart

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HTB Growth Metrics

HomeTrust Bancshares, Inc. (HTB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years11.16%
5 Years12.84%
3 Years10.62%
TTM-

Profit CAGR

10 Years18.84%
5 Years32.64%
3 Years13%
TTM17.44%

EPS CAGR

10 Years19.06%
5 Years31.67%
3 Years9.93%
TTM16.61%

Return on Capital

10 Years5.35%
5 Years8.08%
3 Years7.47%
Last Year6.3%

HTB Recent Earnings

HomeTrust Bancshares, Inc. (HTB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 9/12 qtrs (90%)●Beat Revenue 9/12 qtrs (90%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.99+20.7%
$0.82
Rev
$54M+4.9%
$52M
Q2 2026
Mar 13, 2026
Metric
Actual
Est
EPS
$0.95+10.0%
$0.86
Rev
$73M+38.2%
$53M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.93+2.2%
$0.91
Rev
$54M+1.7%
$53M
Q4 2025
Oct 22, 2025
Metric
Actual
Est
EPS
$0.95+9.4%
$0.87
Rev
$54M+2.4%
$53M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.99vs $0.82+20.7%
$54Mvs $52M+4.9%
Q2 2026Mar 13, 2026
$0.95vs $0.86+10.0%
$73Mvs $53M+38.2%
Q1 2026Jan 22, 2026
$0.93vs $0.91+2.2%
$54Mvs $53M+1.7%
Q4 2025Oct 22, 2025
$0.95vs $0.87+9.4%
$54Mvs $53M+2.4%
Based on last 12 quarters of dataView full earnings history →

HTB Peer Comparison

HomeTrust Bancshares, Inc. (HTB) competitors in Specialty finance and niche lenders — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
UVSP logoUVSPUnivest Financial CorporationDirect Competitor1.19B41.6413.183.58%17.51%9.82%0.37
NBTB logoNBTBNBT Bancorp Inc.Direct Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
SFNC logoSFNCSimmons First National CorporationDirect Competitor3.18B21.90-7.42-56.66%-64.33%-11.48%0.19
FBNC logoFBNCFirst BancorpDirect Competitor2.52B60.7622.672.32%20.45%7.03%0.05
GABC logoGABCGerman American Bancorp, Inc.Direct Competitor1.69B44.9914.7054.54%23.11%10.25%0.16
HOMB logoHOMBHome Bancshares, Inc.Direct Competitor5.47B27.6511.47-5.35%34.59%11.43%0.22
SRCE logoSRCE1st Source CorporationDirect Competitor1.87B76.9111.915.2%27.72%12.39%0.26
FFIN logoFFINFirst Financial Bankshares, Inc.Product Competitor4.7B32.7818.5211.71%30.71%14.16%0.01

Compare HTB vs Peers

HomeTrust Bancshares, Inc. (HTB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs UVSP

Most directly comparable listed peer for HTB.

Scale Benchmark

vs ICE

Larger-name benchmark to compare HTB against a more recognizable public peer.

Peer Set

Compare Top 5

vs UVSP, NBTB, SFNC, FBNC

HTB Income Statement

HomeTrust Bancshares, Inc. (HTB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricJun'18Jun'19Jun'20Jun'21Jun'22Jun'23Dec'23Dec'24Dec'25
Net Interest Income
101.33M106.83M104.1M103.32M110.77M157.41M169.43M168.68M176.74M
NII Growth %
11.12%5.43%-2.55%-0.75%7.21%42.1%7.63%7.15%4.78%
Net Interest Margin %
3.07%3.07%2.8%2.93%3.12%3.42%3.63%3.67%3.89%
Interest Income
117.4M137.21M136.25M118.73M116.11M187.13M234.48M261.62M256.14M
Interest Expense
16.07M30.38M32.15M15.41M5.34M29.71M65.05M92.94M79.4M
Loan Loss Provision
05.7M8.5M-7.13M-592K15.39M15.1M7.54M6.94M
Non-Interest Income
18.68M22.5M30.33M41.13M39.2M28.95M31.34M33.46M36.33M
Non-Interest Income %
13.73%14.09%18.21%25.73%25.24%13.4%11.79%11.34%12.42%
Total Revenue
136.08M▲ 0%
159.72M▲ 17.4%
166.59M▲ 4.3%
159.87M▼ 4.0%
155.31M▼ 2.8%
216.08M▲ 39.1%
265.82M▲ 23.0%
295.07M▲ 11.0%
292.47M▼ 0.9%
Revenue Growth %
18.48%17.37%4.3%-4.03%-2.85%39.13%23.02%36.56%-0.88%
Non-Interest Expense
85.04M89.69M97.13M132.49M105.18M113.81M122.36M124.68M125.18M
Efficiency Ratio
62.49%56.16%58.31%82.88%67.73%52.67%46.03%42.25%42.8%
Operating Income
34.97M▲ 0%
33.94M▼ 3.0%
28.81M▼ 15.1%
19.1M▼ 33.7%
45.38M▲ 137.6%
57.16M▲ 26.0%
63.32M▲ 10.8%
69.91M▲ 10.4%
80.95M▲ 15.8%
Operating Margin %
25.7%21.25%17.29%11.95%29.22%26.46%23.82%23.69%27.68%
Operating Income Growth %
105.24%-2.96%-15.12%-33.71%137.63%25.97%10.77%22.3%15.8%
Pretax Income
34.97M▲ 0%
33.94M▼ 3.0%
28.81M▼ 15.1%
19.1M▼ 33.7%
45.38M▲ 137.6%
57.16M▲ 26.0%
63.32M▲ 10.8%
69.91M▲ 10.4%
80.95M▲ 15.8%
Pretax Margin %
25.7%21.25%17.29%11.95%29.22%26.46%23.82%23.69%27.68%
Income Tax
26.74M6.79M6.02M3.42M9.72M12.56M13.28M15.11M16.59M
Effective Tax Rate %
76.45%20.01%20.91%17.91%21.43%21.97%20.97%21.61%20.49%
Net Income
8.23M▲ 0%
27.15M▲ 229.6%
22.78M▼ 16.1%
15.68M▼ 31.2%
35.65M▲ 127.5%
44.6M▲ 25.1%
50.04M▲ 12.2%
54.8M▲ 9.5%
64.36M▲ 17.4%
Net Margin %
6.05%17%13.68%9.81%22.96%20.64%18.83%18.57%22.01%
Net Income Growth %
-30.49%229.64%-16.07%-31.2%127.45%25.11%12.2%22.87%17.44%
Net Income (Continuing)
8.23M27.15M22.78M15.68M35.65M44.6M50.04M54.8M64.36M
EPS (Diluted)
0.44▲ 0%
1.46▲ 231.8%
1.30▼ 11.0%
0.94▼ 27.7%
2.23▲ 137.2%
2.80▲ 25.6%
2.97▲ 6.1%
3.20▲ 7.7%
3.72▲ 16.3%
EPS Growth %
-32.31%231.82%-10.96%-27.69%137.23%25.56%6.07%14.29%16.25%
EPS (Basic)
0.451.521.340.972.272.822.983.213.75
Diluted Shares Outstanding
18.73M18.39M17.29M16.5M15.81M15.78M16.83M17.03M17.11M

HTB Balance Sheet

HomeTrust Bancshares, Inc. (HTB) balance sheet — assets, liabilities & shareholders' equity

MetricJun'18Jun'19Jun'20Jun'21Jun'22Jun'23Dec'23Dec'24Dec'25
Cash & Short Term Investments
521.75M486.28M609.82M437.17M450.07M488.57M508.81M459.77M156.95M
Cash & Due from Banks
366.75M364.49M482.28M280.71M323.1M336.65M381.86M307.76M14.41M
Short Term Investments
154.99M121.79M127.54M156.46M126.98M151.93M126.95M152.01M142.54M
Total Investments
2.56B2.72B2.83B2.82B2.82B3.8B3.78B3.81B142.54M
Investments Growth %
5.21%6.11%3.98%-0.3%0.22%34.74%-0.56%0.14%-96.26%
Long-Term Investments
2.41B2.6B2.7B2.66B2.7B3.65B3.66B3.66B0
Accounts Receivables
9.34M10.53M12.31M7.93M8.57M14.83M16.9M18.34M15.97M
Goodwill & Intangibles
30.17M28.14M26.72M25.98M25.73M44.89M43.17M40.71M38.96M
Goodwill
25.64M25.64M25.64M25.64M25.64M34.11M34.11M34.11M34.11M
Intangible Assets
4.53M2.5M1.08M343K93K10.78M9.06M6.59M4.85M
PP&E (Net)
62.54M61.05M58.46M70.91M69.09M73.17M70.94M69.87M63.02M
Other Assets
132.43M155.64M172.72M164.32M157.57M179.9M214.05M171.72M-72.32M
Total Current Assets
640.26M608.83M750.11M585.52M588.41M645.62M676.01M644.09M172.92M
Total Non-Current Assets
2.66B2.87B2.97B2.94B2.96B3.96B4B3.95B39.58M
Total Assets
3.3B▲ 0%
3.48B▲ 5.2%
3.72B▲ 7.1%
3.52B▼ 5.3%
3.55B▲ 0.7%
4.61B▲ 29.8%
4.67B▲ 1.4%
4.6B▼ 1.7%
4.55B▼ 1.1%
Asset Growth %
3.04%5.21%7.1%-5.32%0.69%29.82%1.41%-0.26%-1.08%
Return on Assets (ROA)
0.25%0.8%0.63%0.43%1.01%1.09%1.08%1.19%1.41%
Accounts Payable
000000000
Total Debt
636.91M681.88M475M115M0210.23M133.78M10.12M175.22M
Net Debt
270.16M317.39M-7.28M-165.71M-323.1M-126.42M-248.08M-297.64M160.81M
Long-Term Debt
635M680M475M115M09.97M10.02M10.12M10.22M
Short-Term Debt
00000200.26M123.76M0165M
Other Liabilities
61.76M58.15M53.83M57.66M60.6M324.9M377.58M254.35M1.14B
Total Current Liabilities
2.2B2.33B2.79B2.96B3.1B3.8B3.79B3.78B2.79B
Total Non-Current Liabilities
698.67M740.02M528.83M172.66M60.6M334.87M387.6M264.47M1.15B
Total Liabilities
2.89B3.07B3.31B3.13B3.16B4.14B4.17B4.04B3.94B
Total Equity
409.24M▲ 0%
408.9M▼ 0.1%
408.26M▼ 0.2%
396.52M▼ 2.9%
388.85M▼ 1.9%
471.19M▲ 21.2%
499.89M▲ 6.1%
551.76M▲ 10.4%
600.69M▲ 8.9%
Equity Growth %
2.92%-0.08%-0.15%-2.88%-1.94%21.18%6.09%17.1%8.87%
Equity / Assets (Capital Ratio)
12.39%11.76%10.97%11.25%10.96%10.23%10.7%12.01%13.21%
Return on Equity (ROE)
2.04%6.64%5.58%3.9%9.08%10.37%10.31%10.72%11.17%
Book Value per Share
21.8522.2323.6124.0424.5929.8629.7132.4035.11
Tangible BV per Share
20.2420.7022.0622.4622.9727.0127.1430.0132.84
Common Stock
191K180K170K167K156K174K174K175K173K
Additional Paid-in Capital
217.48M190.31M169.65M160.58M126.11M171.22M172.37M176.69M166.86M
Retained Earnings
200.57M224.54M242.78M240.07M270.28M308.65M333.4M380.54M436.52M
Accumulated OCI
-1.6M733K2.02M1.51M-2.4M-4.1M-1.55M-1.69M-2.86M
Treasury Stock
000000000
Preferred Stock
000000000

HTB Cash Flow Statement

HomeTrust Bancshares, Inc. (HTB) cash flow — operating, investing & free cash flow history

MetricJun'18Jun'19Jun'20Jun'21Jun'22Jun'23Dec'23Dec'24Dec'25
Cash from Operations
31.32M7.63M-39.09M9.56M33.13M-42.4M29.51M44.97M26.61M
Operating CF Growth %
107.2%-75.64%-612.45%124.45%246.56%-227.98%169.6%206.07%-40.82%
Net Income
8.23M27.15M22.78M15.68M35.65M44.6M49.64M54.8M64.36M
Depreciation & Amortization
505K-556K4.78M12.22M11.8M13.41M017.04M0
Deferred Taxes
26.12M5.35M5.2M3.57M6.58M-433K01.1M0
Other Non-Cash Items
-6.83M-18.08M-67M-25.88M-22.53M-97.87M-15.37M-28.85M-29.26M
Working Capital Changes
-1.1M-9.25M-7.86M751K-2.03M-5.24M-4.77M-2.55M-8.49M
Cash from Investing
-134.02M-150.49M-127.91M149.5M34.84M-121.13M-19.04M21.28M2.53M
Purchase of Investments
-73.06M-43.95M-1.61B-824.4M-601.04M-292.41M-17.04M-52.79M0
Sale/Maturity of Investments
20.68M38.43M1.54B908.52M622.77M471.85M1000K29.1M0
Net Investment Activity
-52.39M-5.52M-64.55M84.13M21.72M179.45M-16.04M-23.69M0
Acquisitions
-225K000030.6M8.05M00
Other Investing
-77.95M-126.27M-45.92M93.33M22.63M-316.43M-10.2M61.71M2.53M
Cash from Financing
86.46M143.16M217.57M-229.69M-13.84M361.91M33.17M-134.17M-21.87M
Dividends Paid
0-3.18M-4.55M-5.02M-5.45M-6.23M-3.55M-7.67M-8.38M
Share Repurchases
-494K-30.84M-24.71M-16.36M-43.69M-344K-139K-1.01M-14.92M
Stock Issued
000000152K01.44M
Net Stock Activity
-494K-30.84M-24.71M-16.36M-43.69M-344K13K-1.01M-13.49M
Debt Issuance (Net)
-1000K1000K-1000K-1000K-1000K1000K-1000K-1000K-1000K
Other Financing
148.45M132.18M451.83M174.38M150.3M-64.06M60.2M120.27M23M
Net Change in Cash
-16.24M▲ 0%
297K▲ 101.8%
50.58M▲ 16930.0%
-70.63M▼ 239.6%
54.13M▲ 176.6%
198.38M▲ 266.5%
0▼ 100.0%
-67.92M▲ 0%
7.28M▲ 110.7%
Exchange Rate Effect
000000000
Cash at Beginning
86.98M70.75M71.04M121.62M50.99M105.12M303.5M347.14M1.06M
Cash at End
70.75M71.04M121.62M50.99M105.12M303.5M347.14M279.22M8.33M
Interest Paid
15.72M29M33.31M16.45M5.31M26.21M090.21M83.37M
Income Taxes Paid
887K1.55M1.69M532K684K7.68M014M19.33M
Free Cash Flow
27.86M▲ 0%
-11.07M▼ 139.7%
-56.52M▼ 410.4%
-18.4M▲ 67.4%
23.62M▲ 228.4%
-57.15M▼ 342.0%
15.05M▲ 126.3%
28.23M▲ 87.5%
19.9M▼ 29.5%
FCF Growth %
126.62%-139.75%-410.43%67.45%228.36%-341.96%126.34%149.4%-29.52%

HTB Banking Ratios

HomeTrust Bancshares, Inc. (HTB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
3.13%2.04%6.64%5.58%3.9%9.08%10.37%10.31%10.72%11.17%
Return on Assets (ROA)
0.4%0.25%0.8%0.63%0.43%1.01%1.09%1.08%1.19%1.41%
Net Interest Margin
2.84%3.07%3.07%2.8%2.93%3.12%3.42%3.63%3.67%3.89%
Efficiency Ratio
77.99%62.49%56.16%58.31%82.88%67.73%52.67%46.03%42.25%42.8%
Equity / Assets
12.4%12.39%11.76%10.97%11.25%10.96%10.23%10.7%12.01%13.21%
Book Value / Share
22.1521.8522.2323.6124.0424.5929.8629.7132.435.11
NII Growth
11.61%11.12%5.43%-2.55%-0.75%7.21%42.1%7.63%7.15%4.78%
Dividend Payout
--11.7%19.98%32.01%15.29%13.97%7.09%13.99%13.02%
Related:HTB Dividend History·HTB Revenue History·HTB Price History·HTB P/E History·HTB Financial Ratios·HTB Institutional Holders

HTB SEC Filings & Documents

HomeTrust Bancshares, Inc. (HTB) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 7, 2026·SEC

Material company update

Feb 11, 2026·SEC

10-K Annual Reports

1
FY 2026

Mar 13, 2026·SEC

10-Q Quarterly Reports

3
FY 2025

Nov 6, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 8, 2025·SEC

HTB Frequently Asked Questions

HomeTrust Bancshares, Inc. (HTB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

HomeTrust Bancshares, Inc. (HTB) saw revenue decline by 0.9% over the past year.

Yes, HomeTrust Bancshares, Inc. (HTB) is profitable, generating $64.4M in net income for fiscal year 2025 (22.0% net margin).

Dividend & Returns

Yes, HomeTrust Bancshares, Inc. (HTB) pays a dividend with a yield of 1.01%. This makes it attractive for income-focused investors.

HomeTrust Bancshares, Inc. (HTB) has a return on equity (ROE) of 11.2%. This is reasonable for most industries.

Industry Metrics

HomeTrust Bancshares, Inc. (HTB) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.

HomeTrust Bancshares, Inc. (HTB) has an efficiency ratio of 42.8%. This is excellent, indicating strong cost control.

What if you invested $1,000 in HTB back in 2009?

Total return calculator · dividends reinvested · 17+ years of data

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How much would $100/month in HTB be worth today?

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