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.

HomeTrust Bancshares, Inc. (HTB) Financials

HTB

Trailing 12 months to June 30, 2026

Revenue $216.6M +4.3% YoY

Net Income $65.1M +10.1% YoY

EPS (Diluted) $3.81 +11.1% YoY

Free Cash Flow $94.8M -11.5% YoY

Market Cap $778.7M as of Sep 21, 2026

Price / Sales 3.6x on $216.6M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.0x on $65.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $600.6M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 21, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 6, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HTB SEC filings page.

HomeTrust Bancshares, Inc. (HTB) reported $216.6M in revenue over the twelve months to Jun 30, 2026, up 4.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI HTB FY2025 2026-09-05

A highly leveraged balance sheet is producing improving returns as capital rebuilds and cash generation stays positive.

Operating cash flow swung from -$32.9M in FY2023 to $49.5M in FY2025, marking a substantial reversal in cash generation. Yet FY2025 net income of $64.4M exceeded operating cash flow, so the recovery is real but accounting earnings are not converting one-for-one into cash.

The balance sheet is asset-heavy: FY2025 assets were $4.5B against $600.7M of equity, so a relatively small equity cushion supports a much larger asset base. Reported debt-to-equity fell to 6.6x from 8.8x in FY2023, consistent with capital thickening rather than simple asset expansion.

Net margin widened from 23.7% in FY2023 to 30.2% in FY2025, so a larger share of reported revenue became net income, indicating improved earnings efficiency. FY2025 operating cash flow of $49.5M versus free cash flow of $45.3M also shows that most operating cash remained after capital spending.

Financial Health Signals

Financial Health Score 51/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of HomeTrust Bancshares, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

HomeTrust Bancshares, Inc. earned a return on assets of 1.4% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.2% the prior year. Earnings ranks banks on that return over three years, and HomeTrust Bancshares, Inc. scores 77/100 among other banks.

Growth

HomeTrust Bancshares, Inc. reported revenue of $213.1M in fiscal year 2025, against $203.0M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and HomeTrust Bancshares, Inc. scores 42/100 among other banks.

Capital

HomeTrust Bancshares, Inc. funded 13.2% of its assets with shareholders' equity at the end of fiscal year 2025, holding $600.7M of equity against $4.5B of assets. Capital ranks banks on that cushion, and HomeTrust Bancshares, Inc. scores 71/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. HomeTrust Bancshares, Inc. scores 63/100 on it among other banks.

Credit Quality

Not available for HomeTrust Bancshares, Inc., and counted as zero in the overall score.

Stability

HomeTrust Bancshares, Inc. reported net income of $64.4M in fiscal year 2025, against $54.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and HomeTrust Bancshares, Inc. scores 55/100 among other banks.

Piotroski F-Score Partial

5/6

HomeTrust Bancshares, Inc. passes 5 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 1 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Mixed

0.77x

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

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Earnings & Revenue

Revenue

$54.5M

YoY+0.3%

QoQ+0.4%

HomeTrust Bancshares, Inc. generated $54.5M in revenue in Q2 2026. This represents an increase of 0.3% from the same quarter a year earlier. Against the prior quarter it is up 0.4%.

Net Income

$15.6M

YoY-9.2%

QoQ-6.8%

HomeTrust Bancshares, Inc. reported $15.6M in net income in Q2 2026. This represents a decrease of 9.2% from the same quarter a year earlier. Against the prior quarter it is down 6.8%.

EPS (Diluted)

$0.94

YoY-6.0%

QoQ-5.1%

HomeTrust Bancshares, Inc. earned $0.94 per diluted share (EPS) in Q2 2026. This represents a decrease of 6.0% from the same quarter a year earlier. Against the prior quarter it is down 5.1%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$126K

YoY+101.3%

QoQ-99.9%

5Y CAGR-55.1%

10Y CAGR-31.2%

HomeTrust Bancshares, Inc. generated $126K in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 101.3% from the same quarter a year earlier. Against the prior quarter it is down 99.9%.

Cash & Debt

$272.5M

YoY-8.3%

QoQ-9.4%

5Y CAGR+39.8%

10Y CAGR+17.9%

HomeTrust Bancshares, Inc. held $272.5M in cash as of Q2 2026; long-term debt is not reported for that period.

Dividends Per Share

$0.00

YoY+100.0%

QoQ+100.0%

HomeTrust Bancshares, Inc. paid $0.00 per share in dividends in Q2 2026. This represents an increase of 100.0% from the same quarter a year earlier. Against the prior quarter it is up 100.0%.

Shares Outstanding

17M

YoY-4.6%

QoQ-0.7%

5Y CAGR+0.3%

10Y CAGR-0.8%

HomeTrust Bancshares, Inc. had 17M shares outstanding in Q2 2026. This represents a decrease of 4.6% from the same quarter a year earlier. Against the prior quarter it is down 0.7%.

Margins & Returns

Net Margin

28.7%

YoY-3.0pp

QoQ-2.2pp

HomeTrust Bancshares, Inc.'s net profit margin was 28.7% in Q2 2026, showing the share of revenue converted to profit. This is down 3.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 2.2 percentage points.

Return on Equity

2.6%

YoY-0.4pp

QoQ-0.2pp

HomeTrust Bancshares, Inc.'s ROE was 2.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 0.2 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$7.2M

YoY+152.6%

QoQ-69.0%

HomeTrust Bancshares, Inc. spent $7.2M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 152.6% from the same quarter a year earlier. Against the prior quarter it is down 69.0%.

Capital Expenditures

$1.3M

YoY+0.5%

QoQ+64.5%

5Y CAGR+6.4%

10Y CAGR+6.8%

HomeTrust Bancshares, Inc. invested $1.3M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 0.5% from the same quarter a year earlier. Against the prior quarter it is up 64.5%.

R&D Spending

Not reported for Q2 2026.

HTB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HTB quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$216.6M	$213.1M+5.0%	$203.0M+7.7%	$188.5M+25.7%	$149.9M+4.7%	$143.1M+6.5%	$134.4M+3.6%	$129.8M+7.9%	$120.3M+12.1%	$107.3M+11.8%	$96.0M+4.0%	$92.3M+45.1%	$63.6M+0.1%	$63.5M-4.0%	$66.1M-3.2%	$68.4M
SG&A Expenses	$77.1M	$73.0M+7.4%	$67.9M+9.1%	$62.2M+4.4%	$59.6M-5.3%	$63.0M+11.0%	$56.7M+8.4%	$52.3M+8.6%	$48.2M+3.7%	$46.4M+9.3%	$42.5M+3.0%	$41.3M+35.9%	$30.4M+14.9%	$26.4M+22.0%	$21.7M-1.7%	$22.1M
Interest Expense	$72.3M	$79.4M-13.8%	$92.1M+210.0%	$29.7M+456.4%	$5.3M-65.3%	$15.4M-52.1%	$32.1M+5.8%	$30.4M+89.0%	$16.1M+94.9%	$8.2M+36.5%	$6.0M+12.1%	$5.4M-0.8%	$5.4M-25.1%	$7.3M-38.4%	$11.8M-42.6%	$20.5M
Income Tax	$16.3M	$16.6M+9.8%	$15.1M+20.3%	$12.6M+29.2%	$9.7M+184.3%	$3.4M-43.2%	$6.0M-11.3%	$6.8M-74.6%	$26.7M+414.9%	$5.2M+5.9%	$4.9M+91.6%	$2.6M-43.3%	$4.5M+128.5%	$2.0M+405.3%	-$647K+95.1%	-$13.3M
Net Income	$65.1M	$64.4M+17.5%	$54.8M+22.9%	$44.6M+24.9%	$35.7M+127.4%	$15.7M-31.1%	$22.8M-16.1%	$27.1M+229.6%	$8.2M-30.5%	$11.8M+3.4%	$11.5M+42.8%	$8.0M-22.4%	$10.3M+14.2%	$9.1M+100.0%	$4.5M+130.7%	-$14.7M
EPS (Basic)	N/A	$3.75+16.8%	$3.21+13.8%	$2.82+24.2%	$2.27+136.5%	$0.96-28.4%	$1.34-11.8%	$1.52+237.8%	$0.45-31.8%	$0.66+1.5%	$0.65+54.8%	$0.42-22.2%	$0.54+20.0%	$0.45	N/A	N/A
EPS (Diluted)	$3.81	$3.72+16.3%	$3.20+14.3%	$2.80+25.6%	$2.23+137.2%	$0.94-27.7%	$1.30-11.0%	$1.46+231.8%	$0.44-32.3%	$0.650.0%	$0.65+54.8%	$0.42-22.2%	$0.54+20.0%	$0.45	N/A	N/A
Diluted Shares (Avg)	N/A	17M+0.8%	17M+7.6%	16M-0.2%	16M-4.2%	16M-4.6%	17M-6.0%	18M-1.8%	19M+4.3%	18M+2.0%	18M-7.9%	19M+2.1%	19M-6.1%	20M	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$54.5M+0.3%	$54.3M+6.7%	$53.6M+3.7%	$54.1M+6.9%	$54.4M+7.6%	$50.9M+1.8%	$51.7M	$50.6M-0.3%
SG&A Expenses	$20.2M+10.8%	$19.9M+12.3%	$18.5M+7.6%	$18.5M+8.3%	$18.2M+9.6%	$17.7M+4.3%	$17.2M	$17.1M+3.4%
Interest Expense	$15.9M-18.2%	$17.2M-17.1%	$19.3M-13.1%	$20.0M-18.6%	$19.4M-16.5%	$20.7M-6.3%	$22.2M	$24.6M+24.7%
Income Tax	$4.0M-13.1%	$4.2M+8.3%	$3.7M-9.2%	$4.4M+18.6%	$4.6M+36.2%	$3.9M-1.3%	$4.1M	$3.7M-3.6%
Net Income	$15.6M-9.2%	$16.8M+15.4%	$16.2M+13.8%	$16.5M+25.8%	$17.2M+38.6%	$14.5M-3.5%	$14.2M	$13.1M-11.6%
EPS (Basic)	$0.95-5.9%	$1.00+19.0%	$0.94+13.3%	$0.96+24.7%	$1.01+38.4%	$0.84-4.5%	$0.83	$0.77-12.5%
EPS (Diluted)	$0.94-6.0%	$0.99+17.9%	$0.93+12.0%	$0.95+25.0%	$1.00+37.0%	$0.84-4.5%	$0.83	$0.76-13.6%
Diluted Shares (Avg)	16M-4.0%	17M-2.3%	N/A	17M+0.6%	17M+1.2%	17M+1.4%	N/A	17M+1.4%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

HTB Balance Sheet

HTB quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$4.5B-1.1%	$4.6B-0.3%	$4.6B+29.8%	$3.5B+0.7%	$3.5B-5.3%	$3.7B+7.1%	$3.5B+5.2%	$3.3B+3.0%	$3.2B+18.0%	$2.7B-2.4%	$2.8B+34.2%	$2.1B+31.0%	$1.6B-7.9%	$1.7B+5.0%	$1.6B
Cash & Equivalents	$324.7M+16.3%	$279.2M-8.0%	$303.5M+188.7%	$105.1M+106.2%	$51.0M-58.1%	$121.6M+71.2%	$71.0M+0.4%	$70.7M-18.7%	$87.0M+65.4%	$52.6M-54.7%	$116.2M+153.5%	$45.8M-63.5%	$125.7M-44.1%	$224.8M+548.4%	$34.7M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$34.1M0.0%	$34.1M0.0%	$34.1M+33.0%	$25.6M0.0%	$25.6M0.0%	$25.6M0.0%	$25.6M0.0%	$25.6M0.0%	$25.6M+102.3%	$12.7M0.0%	$12.7M+17.9%	$10.8M-15.2%	$12.7M	N/A	N/A
Total Liabilities	$3.9B-2.4%	$4.0B-2.2%	$4.1B+30.9%	$3.2B+1.0%	$3.1B-5.6%	$3.3B+8.1%	$3.1B+6.0%	$2.9B+3.1%	$2.8B+19.1%	$2.4B-2.3%	$2.4B+42.1%	$1.7B+39.6%	$1.2B-21.4%	$1.5B+5.3%	$1.5B
Total Equity	$600.7M+8.9%	$551.8M+17.1%	$471.2M+21.2%	$388.8M-1.9%	$396.5M-2.9%	$408.3M-0.2%	$408.9M-0.1%	$409.2M+2.9%	$397.6M+10.5%	$360.0M-3.0%	$371.1M-1.6%	$377.2M+2.6%	$367.5M+113.1%	$172.5M+2.8%	$167.8M
Retained Earnings	$436.5M+14.7%	$380.5M+23.3%	$308.7M+14.2%	$270.3M+12.6%	$240.1M-1.1%	$242.8M+8.1%	$224.5M+12.0%	$200.6M+4.7%	$191.7M+6.6%	$179.8M+6.8%	$168.4M+5.0%	$160.3M+6.9%	$150.0M+6.4%	$140.9M+3.3%	$136.4M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$4.4B-3.0%	$4.4B-3.8%	$4.5B-1.1%	$4.6B-1.0%	$4.6B-2.0%	$4.6B-2.7%	$4.6B-1.7%	$4.6B-0.3%
Cash & Equivalents	$272.5M-8.3%	$300.7M+0.3%	$324.7M+16.3%	$315.8M+7.6%	$297.2M+1.0%	$299.8M-21.2%	$279.2M-19.6%	$293.5M-9.7%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$34.1M0.0%	$34.1M0.0%	$34.1M0.0%	$34.1M0.0%	$34.1M0.0%	$34.1M0.0%	$34.1M0.0%	$34.1M0.0%
Total Liabilities	$3.8B-4.0%	$3.8B-5.0%	$3.9B-2.4%	$4.0B-2.5%	$4.0B-3.6%	$4.0B-4.3%	$4.0B-3.1%	$4.1B-1.7%
Total Equity	$600.6M+3.7%	$592.4M+4.8%	$600.7M+8.9%	$595.8M+10.3%	$579.3M+10.6%	$565.4M+10.2%	$551.8M+10.4%	$540.0M+11.5%
Retained Earnings	$464.3M+13.7%	$451.1M+14.8%	$436.5M+14.7%	$422.6M+14.7%	$408.2M+14.3%	$393.0M+13.4%	$380.5M+14.1%	$368.4M+14.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

HTB Cash Flow Statement

HTB quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$98.7M	$49.5M+8.9%	$45.4M+238.2%	-$32.9M-184.1%	$39.1M+309.1%	$9.6M+124.5%	-$39.1M-612.5%	$7.6M-75.6%	$31.3M+107.2%	$15.1M-47.7%	$28.9M+1206.3%	$2.2M-90.7%	$23.8M-0.7%	$23.9M+20.4%	$19.9M-39.2%	$32.7M
Depreciation & Amortization	N/A	$11.1M-4.5%	$11.6M+28.4%	$9.1M-3.0%	$9.3M-1.6%	$9.5M+62.2%	$5.9M+185.8%	-$6.8M-14.8%	-$6.0M+10.6%	-$6.7M-67.0%	-$4.0M+17.1%	-$4.8M-277.8%	-$1.3M-505.7%	-$210K-12.3%	-$187K-10.0%	-$170K
Stock-Based Compensation	N/A	$2.2M+19.7%	$1.8M-2.0%	$1.9M-13.8%	$2.2M+2.4%	$2.1M+15.4%	$1.8M+13.8%	$1.6M-47.1%	$3.0M-27.3%	$4.2M+41.7%	$2.9M+4.2%	$2.8M+7.5%	$2.6M+135.7%	$1.1M	N/A	N/A
Capital Expenditures	$4.0M	$4.2M+37.2%	$3.0M-11.2%	$3.4M-48.2%	$6.6M-58.9%	$16.1M+449.8%	$2.9M+37.7%	$2.1M-38.6%	$3.5M+22.6%	$2.8M+252.2%	$801K-83.8%	$4.9M+192.5%	$1.7M+6.8%	$1.6M-50.9%	-$3.2M+34.1%	-$2.4M
Free Cash Flow	$94.8M	$45.3M+6.9%	$42.4M+216.8%	-$36.3M-211.7%	$32.5M+598.3%	-$6.5M+84.5%	-$42.0M-863.4%	$5.5M-80.2%	$27.9M+126.6%	$12.3M-56.3%	$28.1M+1132.7%	-$2.7M-112.3%	$22.1M-1.2%	$22.4M+34.2%	$16.7M-45.1%	$30.3M
Investing Cash Flow	$85.7M	$110.1M+428.8%	$20.8M+115.9%	-$130.6M-552.6%	$28.9M-80.7%	$149.5M+216.9%	-$127.9M+15.0%	-$150.5M-12.3%	-$134.0M-25.5%	-$106.8M-861.0%	-$11.1M+94.1%	-$189.8M-1156.8%	-$15.1M-151.3%	$29.4M-68.6%	$93.8M+573.7%	-$19.8M
Financing Cash Flow	-$209.1M	-$114.1M+15.0%	-$134.2M-137.1%	$361.9M+2714.2%	-$13.8M+94.0%	-$229.7M-205.6%	$217.6M+52.0%	$143.2M+65.6%	$86.5M-31.4%	$126.0M+254.9%	-$81.4M-131.6%	$257.9M+391.3%	-$88.5M+41.9%	-$152.4M-299.4%	$76.5M+180.4%	-$95.1M
Dividends Paid	$8.9M	$8.4M+9.3%	$7.7M+23.1%	$6.2M+14.3%	$5.5M+8.6%	$5.0M+10.2%	$4.6M+43.3%	$3.2M	$0	$0	N/A	N/A	N/A	N/A	N/A	N/A
Share Buybacks	$40.5M	$13.6M+2010.4%	$645K	$0-100.0%	$43.3M+168.3%	$16.2M-34.0%	$24.5M-20.1%	$30.6M	$0	$0-100.0%	$27.7M+50.2%	$18.5M-37.3%	$29.5M	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$1.5M+117.1%	$110.8M+54.7%	-$2.1M-144.3%	-$11.5M-126.2%	-$8.6M-245.0%	$71.7M+893.2%	$4.8M-83.2%	$43.8M+232.8%
Depreciation & Amortization	$1.5M+20.9%	$153K-88.5%	$8.2M+24.1%	$310K-83.1%	$1.3M-6.3%	$1.3M-27.8%	$6.6M	$1.8M+8.1%
Stock-Based Compensation	$713K+43.8%	$767K+56.5%	N/A	$593K+9.6%	$496K+21.3%	$490K+18.6%	N/A	$541K+41.3%
Capital Expenditures	$1.3M+0.5%	$818K-20.1%	$1.0M-32.4%	$760K+11.6%	$1.3M+457.9%	$1.0M+79.3%	$1.5M+896.1%	$681K+146.7%
Free Cash Flow	$126K+101.3%	$110.0M+55.8%	-$3.2M-197.9%	-$12.2M-128.4%	-$9.9M-274.7%	$70.6M+835.4%	$3.2M-88.6%	$43.1M+229.7%
Investing Cash Flow	-$62.2M-766.6%	$36.4M+540.5%	$76.9M+107.7%	$34.7M+447.0%	-$7.2M+89.8%	$5.7M-88.2%	$37.0M+672.7%	$6.3M-70.5%
Financing Cash Flow	$32.6M+147.9%	-$171.2M-201.8%	-$65.9M-17.6%	-$4.6M+90.9%	$13.1M+161.0%	-$56.7M-884.9%	-$56.0M-32678.5%	-$50.8M-254.0%
Dividends Paid	$2.5M+20.1%	$2.2M+5.6%	$2.2M+8.0%	$2.1M+9.5%	$2.1M+10.1%	$2.1M+9.8%	$2.0M+10.1%	$1.9M+11.3%
Share Buybacks	$7.2M+152.6%	$23.1M+4488.7%	$10.3M	$0	$2.8M+338.9%	$503K	$0	$0

HTB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HTB quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	30.2%+3.2pp	27.0%+3.3pp	23.7%-0.2pp	23.8%+12.8pp	11.0%-6.0pp	17.0%-4.0pp	20.9%+14.1pp	6.9%-4.2pp	11.0%-0.9pp	11.9%+3.2pp	8.7%-7.6pp	16.3%+2.0pp	14.2%+7.4pp	6.8%+28.4pp	-21.6%
Return on Equity	10.7%+0.8pp	9.9%+0.5pp	9.5%+0.3pp	9.2%+5.2pp	4.0%-1.6pp	5.6%-1.1pp	6.6%+4.6pp	2.0%-1.0pp	3.0%-0.2pp	3.2%+1.0pp	2.2%-0.6pp	2.7%+0.3pp	2.5%-0.2pp	2.6%+11.4pp	-8.8%
Return on Assets	1.4%+0.2pp	1.2%+0.2pp	1.0%0.0pp	1.0%+0.6pp	0.4%-0.2pp	0.6%-0.2pp	0.8%+0.5pp	0.3%-0.1pp	0.4%0.0pp	0.4%+0.1pp	0.3%-0.2pp	0.5%-0.1pp	0.6%+0.3pp	0.3%+1.2pp	-0.9%
Debt-to-Equity	6.57-0.8x	7.33-1.4x	8.78+0.7x	8.13+0.2x	7.89-0.2x	8.12+0.6x	7.50+0.4x	7.070.0x	7.06+0.5x	6.550.0x	6.50+2.0x	4.50+1.2x	3.31-5.7x	8.97+0.2x	8.76
Asset Turnover	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.030.0x	0.040.0x	0.030.0x	0.030.0x	0.040.0x	0.040.0x	0.04
FCF Margin	21.3%+0.4pp	20.9%+40.2pp	-19.3%-40.9pp	21.7%+26.2pp	-4.6%+26.7pp	-31.3%-35.5pp	4.2%-18.9pp	23.2%+11.7pp	11.5%-17.8pp	29.3%+32.2pp	-2.9%-37.7pp	34.7%-0.5pp	35.2%+10.0pp	25.2%-19.2pp	44.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	28.7%-3.0pp	30.9%+2.3pp	30.1%+2.7pp	30.5%+4.6pp	31.6%+7.1pp	28.5%-1.6pp	27.5%	25.9%-3.3pp
Return on Equity	2.6%-0.4pp	2.8%+0.3pp	2.7%+0.1pp	2.8%+0.3pp	3.0%+0.6pp	2.6%-0.4pp	2.6%	2.4%-0.6pp
Return on Assets	0.4%0.0pp	0.4%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.4%+0.1pp	0.3%0.0pp	0.3%	0.3%0.0pp
Debt-to-Equity	6.39-0.5x	6.40-0.7x	6.57-0.8x	6.71-0.9x	6.90-1.0x	7.06-1.1x	7.33-1.0x	7.59-1.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.01	0.010.0x
FCF Margin	0.2%+18.5pp	178.9%	-5.9%-12.1pp	-22.6%-107.7pp	-18.3%-29.5pp	138.7%	6.2%	85.1%+150.6pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
HomeTrust Bancshares, Inc. HTB	FY2025	$213.1M	$64.4M	30.2%	$778.7M	51/100
Hanmi Financial Corp HAFC	FY2025	$270.2M	$76.1M	28.2%	$958.3M	43/100
Trustco Bank Corp NY TRST	FY2025	$187.9M	$61.1M	32.5%	$965.0M	43/100
METROCITY BANKSHARES INC MCBS	FY2025	$155.6M	$68.5M	44.0%	$1.0B	82/100
NB Bancorp, Inc. NBBK	FY2025	$213.7M	$50.3M	23.5%	$998.2M	54/100
Capital City Bank Group Inc CCBG	FY2025	$254.0M	$61.6M	24.2%	$857.2M	53/100

Where HomeTrust Bancshares, Inc. Ranks

Frequently Asked Questions

What is HomeTrust Bancshares, Inc.'s annual revenue?

HomeTrust Bancshares, Inc. (HTB) reported $213.1M in total revenue for fiscal year 2025. This represents a 5.0% 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 grew by 5.0% year-over-year, from $203.0M to $213.1M 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 30.2%.

What is HomeTrust Bancshares, Inc.'s net profit margin?

HomeTrust Bancshares, Inc. (HTB) had a net profit margin of 30.2% 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 P/E ratio?

HomeTrust Bancshares, Inc. (HTB) trades at 12.0x earnings, its market capitalization divided by net income of $65.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $778.7M as of Sep 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is HomeTrust Bancshares, Inc.'s price-to-sales ratio?

HomeTrust Bancshares, Inc. (HTB) trades at 3.6x sales, its market capitalization divided by revenue of $216.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $778.7M as of Sep 21, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is HomeTrust Bancshares, Inc.'s Piotroski F-Score?

HomeTrust Bancshares, Inc. (HTB) has a Piotroski F-Score of 5 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 51 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.