Hometrust Bancshares Inc Financials
This page shows Hometrust Bancshares Inc (HTB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Hometrust Bancshares Inc's revenue declined 2.1% year-over-year, from $261.6M to $256.1M. This contraction results in a growth score of 23/100.
Hometrust Bancshares Inc has elevated debt relative to equity (D/E of 6.57), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.
Hometrust Bancshares Inc converts 17.7% of revenue into free cash flow ($45.3M). This strong cash generation earns a score of 88/100.
Hometrust Bancshares Inc's ROE of 10.7% shows moderate profitability relative to equity, earning a score of 43/100. This is up from 9.9% the prior year.
Hometrust Bancshares Inc passes 4 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Hometrust Bancshares Inc generates $0.77 in operating cash flow ($49.5M OCF vs $64.4M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Hometrust Bancshares Inc generated $256.1M in revenue in fiscal year 2025. This represents a decrease of 2.1% from the prior year.
Hometrust Bancshares Inc generated $45.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 6.9% from the prior year.
Hometrust Bancshares Inc reported $64.4M in net income in fiscal year 2025. This represents an increase of 17.4% from the prior year.
Hometrust Bancshares Inc earned $3.72 per diluted share (EPS) in fiscal year 2025. This represents an increase of 16.3% from the prior year.
Hometrust Bancshares Inc held $324.7M in cash against $0 in long-term debt as of fiscal year 2025.
Hometrust Bancshares Inc paid $0.49 per share in dividends in fiscal year 2025. This represents an increase of 8.9% from the prior year.
Hometrust Bancshares Inc had 17M shares outstanding in fiscal year 2025. This represents a decrease of 1.4% from the prior year.
Hometrust Bancshares Inc's net profit margin was 25.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 4.2 percentage points from the prior year.
Hometrust Bancshares Inc's ROE was 10.7% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 0.8 percentage points from the prior year.
Hometrust Bancshares Inc spent $13.6M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 2010.4% from the prior year.
Hometrust Bancshares Inc invested $4.2M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 37.2% from the prior year.
HTB Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $63.5M-2.9% | $65.4M+2.8% | $63.6M0.0% | $63.6M-3.9% | $66.2M-0.7% | $66.6M+1.9% | $65.4M+3.2% | $63.4M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $19.3M-3.8% | $20.0M+3.1% | $19.4M-6.3% | $20.7M-6.5% | $22.2M-9.8% | $24.6M+5.7% | $23.2M+5.1% | $22.1M |
| Income Tax | $3.7M-15.0% | $4.4M-5.4% | $4.6M+18.6% | $3.9M-4.7% | $4.1M+10.9% | $3.7M+8.6% | $3.4M-14.0% | $3.9M |
| Net Income | $16.1M-2.2% | $16.5M-4.2% | $17.2M+18.4% | $14.5M+2.3% | $14.2M+8.4% | $13.1M+5.6% | $12.4M-17.6% | $15.1M |
| EPS (Diluted) | N/A | $0.95-5.0% | $1.00+19.0% | $0.84 | N/A | $0.76+4.1% | $0.73-17.0% | $0.88 |
HTB Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.5B-1.0% | $4.6B+0.3% | $4.6B+0.4% | $4.6B-0.8% | $4.6B-0.9% | $4.6B-0.7% | $4.7B-0.3% | $4.7B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $324.7M+2.8% | $315.8M+6.3% | $297.2M-0.9% | $299.8M+7.4% | $279.2M-4.9% | $293.5M-0.2% | $294.2M-22.7% | $380.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $34.1M0.0% | $34.1M0.0% | $34.1M0.0% | $34.1M0.0% | $34.1M0.0% | $34.1M0.0% | $34.1M0.0% | $34.1M |
| Total Liabilities | $3.9B-1.3% | $4.0B-0.1% | $4.0B+0.2% | $4.0B-1.3% | $4.0B-1.3% | $4.1B-1.2% | $4.1B-0.6% | $4.2B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $600.7M+0.8% | $595.8M+2.9% | $579.3M+2.4% | $565.4M+2.5% | $551.8M+2.2% | $540.0M+3.1% | $523.6M+2.0% | $513.2M |
| Retained Earnings | $436.5M+3.3% | $422.6M+3.5% | $408.2M+3.9% | $393.0M+3.3% | $380.5M+3.3% | $368.4M+3.1% | $357.1M+3.0% | $346.6M |
HTB Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$2.1M+81.2% | -$11.3M-27.5% | -$8.8M-112.3% | $71.7M+1403.2% | $4.8M-89.1% | $43.8M+639.3% | $5.9M+165.6% | -$9.0M |
| Capital Expenditures | $1.0M+37.2% | $760K-43.2% | $1.3M+30.8% | $1.0M-33.7% | $1.5M+126.7% | $681K+183.8% | $240K-58.0% | $571K |
| Free Cash Flow | -$3.2M+73.7% | -$12.0M-18.2% | -$10.2M-114.4% | $70.7M+2091.2% | $3.2M-92.5% | $43.1M+658.5% | $5.7M+159.2% | -$9.6M |
| Investing Cash Flow | $76.9M+122.9% | $34.5M+597.1% | -$6.9M-222.8% | $5.6M-84.7% | $37.0M+483.5% | $6.3M+109.0% | -$70.7M-246.8% | $48.1M |
| Financing Cash Flow | -$65.9M-1330.5% | -$4.6M-135.0% | $13.1M+123.2% | -$56.7M-1.2% | -$56.0M-10.2% | -$50.8M-136.0% | -$21.5M-274.0% | -$5.8M |
| Dividends Paid | $2.2M+7.8% | $2.1M-0.2% | $2.1M+0.2% | $2.1M+0.2% | $2.0M+9.3% | $1.9M+0.4% | $1.9M-0.1% | $1.9M |
| Share Buybacks | $10.3M | $0-100.0% | $2.8M+462.8% | $503K | $0 | $0-100.0% | $645K | $0 |
HTB Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 25.4%+0.2pp | 25.2%-1.8pp | 27.0%+4.2pp | 22.9%+1.4pp | 21.5%+1.8pp | 19.7%+0.7pp | 19.0%-4.8pp | 23.8% |
| Return on Equity | 2.7%-0.1pp | 2.8%-0.2pp | 3.0%+0.4pp | 2.6%0.0pp | 2.6%+0.2pp | 2.4%+0.1pp | 2.4%-0.6pp | 2.9% |
| Return on Assets | 0.4%0.0pp | 0.4%-0.0pp | 0.4%+0.1pp | 0.3%+0.0pp | 0.3%+0.0pp | 0.3%0.0pp | 0.3%-0.1pp | 0.3% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 6.57-0.1 | 6.71-0.2 | 6.90-0.2 | 7.06-0.3 | 7.33-0.3 | 7.59-0.3 | 7.92-0.2 | 8.13 |
| FCF Margin | -5.0%+13.4pp | -18.4%-2.4pp | -16.0%-127.0pp | 111.1%+106.2pp | 4.9%-59.8pp | 64.7%+56.0pp | 8.7%+23.9pp | -15.2% |
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Frequently Asked Questions
What is Hometrust Bancshares Inc's annual revenue?
Hometrust Bancshares Inc (HTB) reported $256.1M in total revenue for fiscal year 2025. This represents a -2.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Hometrust Bancshares Inc's revenue growing?
Hometrust Bancshares Inc (HTB) revenue declined by 2.1% year-over-year, from $261.6M to $256.1M in fiscal year 2025.
Is Hometrust Bancshares Inc profitable?
Yes, Hometrust Bancshares Inc (HTB) reported a net income of $64.4M in fiscal year 2025, with a net profit margin of 25.1%.
What is Hometrust Bancshares Inc's earnings per share (EPS)?
Hometrust Bancshares Inc (HTB) reported diluted earnings per share of $3.72 for fiscal year 2025. This represents a 16.3% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
What is Hometrust Bancshares Inc's net profit margin?
Hometrust Bancshares Inc (HTB) had a net profit margin of 25.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Hometrust Bancshares Inc pay dividends?
Yes, Hometrust Bancshares Inc (HTB) paid $0.49 per share in dividends during fiscal year 2025.
What is Hometrust Bancshares Inc's return on equity (ROE)?
Hometrust Bancshares Inc (HTB) has a return on equity of 10.7% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Hometrust Bancshares Inc's free cash flow?
Hometrust Bancshares Inc (HTB) generated $45.3M in free cash flow during fiscal year 2025. This represents a 6.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Hometrust Bancshares Inc's operating cash flow?
Hometrust Bancshares Inc (HTB) generated $49.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Hometrust Bancshares Inc's total assets?
Hometrust Bancshares Inc (HTB) had $4.5B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Hometrust Bancshares Inc's capital expenditures?
Hometrust Bancshares Inc (HTB) invested $4.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Does Hometrust Bancshares Inc buy back shares?
Yes, Hometrust Bancshares Inc (HTB) spent $13.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
How many shares does Hometrust Bancshares Inc have outstanding?
Hometrust Bancshares Inc (HTB) had 17M shares outstanding as of fiscal year 2025.
What is Hometrust Bancshares Inc's debt-to-equity ratio?
Hometrust Bancshares Inc (HTB) had a debt-to-equity ratio of 6.57 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Hometrust Bancshares Inc's return on assets (ROA)?
Hometrust Bancshares Inc (HTB) had a return on assets of 1.4% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Hometrust Bancshares Inc's Piotroski F-Score?
Hometrust Bancshares Inc (HTB) has a Piotroski F-Score of 4 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Hometrust Bancshares Inc's earnings high quality?
Hometrust Bancshares Inc (HTB) has an earnings quality ratio of 0.77x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Hometrust Bancshares Inc?
Hometrust Bancshares Inc (HTB) scores 38 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.