The bank maintains a conservative capital structure with an equity-to-assets ratio of 14% as of 2026Q1, providing a necessary buffer against potential volatility in its real estate-heavy loan portfolio.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Jun'23 | Jun'22 | Jun'21 | Jun'20 | Jun'19 | Jun'18 | Jun'17 | Jun'16 | Jun'15 | Jun'14 | Jun'13 | Jun'12 | Jun'11 | Jun'10 |
|---|
| Cash & Short Term Investments | 642.91M | 156.95M | 459.77M | 508.81M | 488.57M | 450.07M | 437.17M | 609.82M | 486.28M | 521.75M | 568.79M | 644.62M | 840.55M | 378.38M | 287.08M | 364.15M | 153.52M | 215.97M |
| Cash & Due from Banks | 14.51M | 14.41M | 307.76M | 381.86M | 336.65M | 323.1M | 280.71M | 482.28M | 364.49M | 366.75M | 369.12M | 443.97M | 582.94M | 209.61M | 262.33M | 332.81M | 153.52M | 215.97M |
| Short Term Investments | 149.73M | 142.54M | 152.01M | 126.95M | 151.93M | 126.98M | 156.46M | 127.54M | 121.79M | 154.99M | 199.67M | 200.65M | 257.61M | 168.77M | 24.75M | 31.34M | 0 | 0 |
| Total Investments | 149.73M | 142.54M | 3.81B | 3.78B | 3.8B | 2.82B | 2.82B | 2.83B | 2.72B | 2.56B | 2.43B | 1.91B | 1.82B | 1.54B | 1.05B | 1.12B | 1.34B | 1.29B |
| Investments Growth % | -286.86% | -96.26% | 0.14% | -0.56% | 34.74% | 0.22% | -0.3% | 3.98% | 6.11% | 5.21% | 27.14% | 5.31% | 18.17% | 46.36% | -6.18% | -16.37% | 4.13% | - |
| Long-Term Investments | 10.87B | 3.6B | 3.66B | 3.66B | 3.65B | 2.7B | 2.66B | 2.7B | 2.6B | 2.41B | 2.23B | 1.71B | 1.56B | 1.37B | 1.03B | 1.09B | 1.34B | 1.29B |
| Accounts Receivables | 14.64M | 15.97M | 18.34M | 16.9M | 14.83M | 8.57M | 7.93M | 12.31M | 10.53M | 9.34M | 8.76M | 7.41M | 7.52M | 6.79M | 5.55M | 6.01M | 7.12M | 7.4M |
| Goodwill & Intangibles | 38.59M | 38.96M | 40.71M | 43.17M | 44.89M | 25.73M | 25.98M | 26.72M | 28.14M | 30.17M | 32.81M | 19.81M | 22.72M | 14.77M | 120K | 0 | 0 | 0 |
| Goodwill | 34.11M | 34.11M | 34.11M | 34.11M | 34.11M | 25.64M | 25.64M | 25.64M | 25.64M | 25.64M | 25.64M | 12.67M | 12.67M | 10.75M | 0 | 0 | 0 | 0 |
| Intangible Assets | 4.47M | 4.85M | 6.59M | 9.06M | 10.78M | 93K | 343K | 1.08M | 2.5M | 4.53M | 7.17M | 7.14M | 10.04M | 4.01M | 120K | 0 | 0 | 0 |
| PP&E (Net) | 62.21M | 63.02M | 69.87M | 70.94M | 73.17M | 69.09M | 70.91M | 58.46M | 61.05M | 62.54M | 63.65M | 54.23M | 57.52M | 47.23M | 22.4M | 23.11M | 22.41M | 21.44M |
| Other Assets | 331.8M | -72.32M | 171.72M | 214.05M | 179.9M | 157.57M | 164.32M | 172.72M | 155.64M | 132.43M | 139.21M | 120.14M | 126.11M | 92.59M | 77.87M | 73.14M | 63.75M | 68.47M |
| Total Current Assets | 178.87M | 172.92M | 644.09M | 676.01M | 645.62M | 588.41M | 585.52M | 750.11M | 608.83M | 640.26M | 678.72M | 755.21M | 956.64M | 491.39M | 409.01M | 485.67M | 163.04M | 230.34M |
| Total Non-Current Assets | 100.8M | 39.58M | 3.95B | 4B | 3.96B | 2.96B | 2.94B | 2.97B | 2.87B | 2.66B | 2.53B | 1.96B | 1.83B | 1.58B | 1.17B | 1.23B | 1.47B | 1.41B |
| Total Assets | 4.39B | 4.55B | 4.6B | 4.67B | 4.61B | 3.55B | 3.52B | 3.72B | 3.48B | 3.3B | 3.21B | 2.72B | 2.78B | 2.07B | 1.58B | 1.72B | 1.64B | 1.64B |
| Asset Growth % | -7.81% | -1.08% | -0.26% | 1.41% | 29.82% | 0.69% | -5.32% | 7.1% | 5.21% | 3.04% | 17.99% | -2.35% | 34.16% | 31.02% | -7.95% | 5.03% | -0.21% | - |
| Return on Assets (ROA) | 1.47% | 1.41% | 1.19% | 1.08% | 1.09% | 1.01% | 0.43% | 0.63% | 0.8% | 0.25% | 0.4% | 0.42% | 0.33% | 0.57% | 0.55% | 0.27% | -0.9% | 0.43% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 100.25M | 175.22M | 10.12M | 133.78M | 210.23M | 8.4M | 115M | 475M | 681.88M | 636.91M | 698.44M | 492.96M | 476.98M | 52M | 2.02M | 24.29M | 141.12M | 117.13M |
| Net Debt | 85.74M | 160.81M | -297.64M | -248.08M | -126.42M | -323.1M | -165.71M | -7.28M | 317.39M | 270.16M | 329.31M | 48.99M | -105.96M | -157.61M | -260.31M | -308.52M | -12.4M | -98.84M |
| Long-Term Debt | 10.24M | 10.22M | 10.12M | 10.02M | 9.97M | 0 | 115M | 475M | 680M | 635M | 696.5M | 491M | 475M | 50M | 0 | 22.27M | 26.09M | 90.09M |
| Short-Term Debt | 90M | 165M | 0 | 123.76M | 200.26M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 113M | 25M |
| Other Liabilities | 3.79B | 1.14B | 254.35M | 377.58M | 324.9M | 60.6M | 57.66M | 53.83M | 58.15M | 61.76M | 62M | 62.05M | 62.96M | 62.26M | 59.04M | 57.11M | 57.98M | 52.54M |
| Total Current Liabilities | 3.64B | 2.79B | 3.78B | 3.79B | 3.8B | 3.1B | 2.96B | 2.79B | 2.33B | 2.2B | 2.05B | 1.8B | 1.87B | 1.58B | 1.15B | 1.47B | 1.38B | 1.32B |
| Total Non-Current Liabilities | 3.79B | 1.15B | 264.47M | 387.6M | 334.87M | 60.6M | 172.66M | 528.83M | 740.02M | 698.67M | 760.43M | 555M | 539.94M | 114.26M | 61.06M | 81.4M | 86.1M | 144.67M |
| Total Liabilities | 3.79B | 3.94B | 4.04B | 4.17B | 4.14B | 3.16B | 3.13B | 3.31B | 3.07B | 2.89B | 2.81B | 2.36B | 2.41B | 1.7B | 1.22B | 1.55B | 1.47B | 1.47B |
| Total Equity | 592.41M | 600.69M | 551.76M | 499.89M | 471.19M | 388.85M | 396.52M | 408.26M | 408.9M | 409.24M | 397.65M | 359.98M | 371.05M | 377.15M | 367.51M | 172.49M | 167.77M | 174.81M |
| Equity Growth % | 34.6% | 8.87% | 17.1% | 6.09% | 21.18% | -1.94% | -2.88% | -0.15% | -0.08% | 2.92% | 10.46% | -2.98% | -1.62% | 2.62% | 113.07% | 2.81% | -4.03% | - |
| Equity / Assets (Capital Ratio) | 13.51% | 13.21% | 12.01% | 10.7% | 10.23% | 10.96% | 11.25% | 10.97% | 11.76% | 12.39% | 12.4% | 13.25% | 13.33% | 18.18% | 23.21% | 10.03% | 10.24% | 10.65% |
| Return on Equity (ROE) | 11.25% | 11.17% | 10.72% | 10.31% | 10.37% | 9.08% | 3.9% | 5.58% | 6.64% | 2.04% | 3.13% | 3.13% | 2.15% | 2.78% | 3.35% | 2.66% | -8.6% | 4.03% |
| Book Value per Share | 35.44 | 35.11 | 32.40 | 29.71 | 29.86 | 24.59 | 24.04 | 23.61 | 22.23 | 21.85 | 22.15 | 20.45 | 19.41 | 20.15 | 18.43 | 8.15 | 7.93 | 8.26 |
| Tangible BV per Share | 33.13 | 32.84 | 30.01 | 27.14 | 27.01 | 22.97 | 22.46 | 22.06 | 20.70 | 20.24 | 20.32 | 19.32 | 18.22 | 19.36 | 18.42 | 8.15 | 7.93 | 8.26 |
| Common Stock | 168K | 173K | 175K | 174K | 174K | 156K | 167K | 170K | 180K | 191K | 190K | 180K | 195K | 207K | 208K | 0 | 0 | 0 |
| Additional Paid-in Capital | 144.47M | 166.86M | 176.69M | 172.37M | 171.22M | 126.11M | 160.58M | 169.65M | 190.31M | 217.48M | 213.46M | 186.1M | 210.62M | 225.89M | 227.4M | 31.37M | 31.37M | 23.05M |
| Retained Earnings | 451.13M | 436.52M | 380.54M | 333.4M | 308.65M | 270.28M | 240.07M | 242.78M | 224.54M | 200.57M | 191.66M | 179.81M | 168.36M | 160.33M | 149.99M | 140.94M | 136.41M | 151.15M |
| Accumulated OCI | -47K | -2.86M | -1.69M | -1.55M | -4.1M | -2.4M | 1.51M | 2.02M | 733K | -1.6M | 273K | 2.34M | 870K | 245K | -29K | 181K | -8K | 614K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CRE and construction concentration
According to recent financial filings, HomeTrust Bancshares has maintained a stable asset base of approximately $4.4 billion to $4.7 billion over the last ten quarters, reflecting a disciplined approach to balance sheet management during its strategic pivot from a traditional thrift model toward commercial and specialty finance.
The lack of significant asset expansion suggests management is prioritizing credit quality and capital preservation over aggressive market share acquisition. This measured trajectory appears to be a deliberate response to the cyclical risks inherent in the bank's concentrated construction and land development loan portfolio.
As reported in the quarterly balance sheet data, the bank maintains a consistent equity-to-assets ratio of approximately 11% to 14%, which provides a robust capital buffer that supports the institution's ongoing transition toward a more commercial-oriented lending profile while mitigating potential credit volatility.
This capital position appears sufficient to absorb moderate shocks within the CRE segment, though investors should monitor whether future regulatory requirements for high-concentration banks necessitate further capital retention. The current ratio suggests management has the flexibility to continue its capital return strategy without compromising the bank's fundamental solvency.
Based on the provided figures, the bank's cash and cash equivalents have fluctuated from a peak of $414.1 million in 2024Q1 to $14.5 million in 2026Q1, indicating an active management of liquid assets to optimize the balance sheet against shifting interest rate environments and funding cost pressures.
The significant reduction in cash holdings suggests a strategic deployment of liquidity into higher-yielding assets or a reduction in wholesale funding reliance. This shift warrants close monitoring, as it may reduce the bank's immediate cushion against unexpected deposit outflows or sudden liquidity demands in the regional market.
Data from the balance sheet indicates a persistent reliance on real estate-backed assets, which, as noted in recent regulatory disclosures, exposes the bank to significant geographic and sector-specific risks within the North Carolina and South Carolina markets that could impair collateral values during economic downturns.
While the bank's localized expertise provides a competitive moat, the high concentration in construction and land development creates a non-obvious vulnerability to prolonged high-interest-rate environments. Investors should consider whether the current provision levels adequately account for the potential long-term impairment of these specific, topography-sensitive loan segments.
Quick answers to the most common questions about buying HTB stock.
As of 2025, HomeTrust Bancshares, Inc. (HTB) had total assets of $4.55B including $172.9M in current assets.
HomeTrust Bancshares, Inc. (HTB) carries total debt of $175.2M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
HomeTrust Bancshares, Inc. (HTB) has total shareholders' equity (book value) of $600.7M ($35.11 book value per share). Book value represents the net worth of the company belonging to common stock holders.
HomeTrust Bancshares, Inc. (HTB) reported a current ratio of 0.06x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.