Price / Sales3.4xon $216.6M revenue, trailing 12 months to June 30, 2026
Price / Earnings11.4xon $65.0M net income, trailing 12 months to June 30, 2026
Price / Book1.2xon $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 Nov 5, 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, 2026ReportedCurrency USDFYE 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 AIHTBFY2025
HomeTrust is generating higher earnings from a smaller balance sheet while rebuilding cash conversion and reducing reliance on liabilities.
Operating cash flow represented 76.9% of net income in FY2025, while free cash flow margin was 21.3%; earnings were converting into cash, though not dollar-for-dollar. That is a marked reversal from the -73.7% operating-cash-flow-to-net-income figure in FY2023, when accounting profit and cash movement pointed in opposite directions.
Liabilities represented 86.8% of assets in FY2025, yet equity increased 8.9%; the funding mix is becoming less liability-heavy. Its liabilities-to-equity ratio fell from 8.8x in FY2023 to 6.6x in FY2025, reinforcing that capital grew faster than obligations.
Net income rose 17.4% while assets fell 1.1% in FY2025; earnings therefore grew without balance-sheet expansion. ROA reached 1.4%, up 0.2 percentage points, showing improved earnings productivity rather than growth driven primarily by adding assets.
Financial Health Signals
Financial Health Score (5 of 6 dimensions)62/100
Scored as: Banks peer group
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. 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
76
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 76/100 among other banks.
Growth
42
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
77
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 77/100 among other banks.
Efficiency
64
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 64/100 on it among other banks.
Credit Quality
n/a
Not available for HomeTrust Bancshares, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.
Stability
50
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 50/100 among other banks.
Piotroski F-ScorePartial
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, the one computable operating efficiency signal (asset turnover improving) passes.
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
YoYn/m
QoQ-99.9%
5Y CAGR-56.4%
HomeTrust Bancshares, Inc. generated $126K in free cash flow in Q2 2026, representing cash available after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. 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; no long-term debt figure is on record 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%
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 quarterly ROE was 2.6% in Q2 2026: one quarter's net income over shareholder equity, not annualized. 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%
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.
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
HTB Balance Sheet
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.
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
HTB Cash Flow 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.
TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.
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.
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
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. Market cap is stated at each company's latest close.
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.
HomeTrust Bancshares, Inc. (HTB) revenue grew by 5.0% year-over-year, from $203.0M to $213.1M in fiscal year 2025.
Yes, HomeTrust Bancshares, Inc. (HTB) reported a net income of $65.0M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $64.4M, with a net profit margin of 30.2%.
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) had a net profit margin of 30.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Yes, HomeTrust Bancshares, Inc. (HTB) paid $0.49 per share in dividends during fiscal year 2025.
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.
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.
HomeTrust Bancshares, Inc. (HTB) generated $49.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
HomeTrust Bancshares, Inc. (HTB) had $4.5B in total assets as of fiscal year 2025, including both current and long-term assets.
HomeTrust Bancshares, Inc. (HTB) invested $4.2M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
Yes, HomeTrust Bancshares, Inc. (HTB) spent $13.6M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
HomeTrust Bancshares, Inc. (HTB) had 17M shares outstanding as of fiscal year 2025.
HomeTrust Bancshares, Inc. (HTB) had a liabilities-to-equity ratio of 6.57 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
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.
HomeTrust Bancshares, Inc. (HTB) trades at 11.4x earnings, its market capitalization divided by $65.0M net income, trailing 12 months to June 30, 2026. The market capitalization is $742.9M as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
HomeTrust Bancshares, Inc. (HTB) trades at 3.4x sales, its market capitalization divided by $216.6M revenue, trailing 12 months to June 30, 2026. The market capitalization is $742.9M as of Nov 5, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
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.
HomeTrust Bancshares, Inc. (HTB) scores 62 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average 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. For HomeTrust Bancshares, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. 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.
