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 Financials

HTB

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

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).

Rhea AI HTB FY2025 2026-05-06

Profitability is improving through balance-sheet efficiency and funding-cost relief, not through materially faster top-line growth.

Between FY2024 and FY2025, return on assets improved from 1.2% to 1.4% while revenue was essentially unchanged and the asset base stayed roughly flat. Because interest expense fell to $79.4M from $92.1M, the earnings lift looks driven more by cheaper funding and better asset mix than by simple balance-sheet growth.

The balance sheet is also getting less stretched: equity reached $601M in FY2025 while liabilities fell to $3.94B. That is why debt-to-equity has come down to 6.6x from 8.8x since FY2023, which means the company is carrying a thicker capital cushion than it did two years ago.

Cash generation broadly supports reported profit, but not perfectly: operating cash flow was $49.5M versus net income of $64.4M. Even so, capital spending was only $4.2M, so most internally generated cash remained available after reinvestment, reinforcing how this business runs more on balance-sheet management than on heavy physical investment.

Financial Health Signals

Financial Profile 24/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

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 62/100.

Leverage

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.

Cash Flow

Hometrust Bancshares Inc has a free cash flow margin of 17.7%, earning a moderate score of 50/100. The company generates positive cash flow after capital investments, but with room for improvement.

Returns

Hometrust Bancshares Inc's ROE of 10.7% shows moderate profitability relative to equity, earning a score of 34/100. This is up from 9.9% the prior year.

Piotroski F-Score Neutral

4/9

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.

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

$256.1M

YoY-2.1%

5Y CAGR+89.2%

10Y CAGR+11.6%

Hometrust Bancshares Inc generated $256.1M in revenue in fiscal year 2025. This represents a decrease of 2.1% from the prior year.

EBITDA

N/A

Net Income

$64.4M

YoY+17.5%

5Y CAGR+23.1%

10Y CAGR+23.2%

Hometrust Bancshares Inc reported $64.4M in net income in fiscal year 2025. This represents an increase of 17.5% from the prior year.

EPS (Diluted)

$3.72

YoY+16.3%

5Y CAGR+23.4%

10Y CAGR+24.4%

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.

Cash & Balance Sheet

Free Cash Flow

$45.3M

YoY+6.9%

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.

Cash & Debt

$324.7M

YoY+16.3%

5Y CAGR+21.7%

10Y CAGR+10.8%

Hometrust Bancshares Inc held $324.7M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.49

YoY+8.9%

5Y CAGR+12.7%

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.

Shares Outstanding

17M

YoY-1.4%

5Y CAGR+0.3%

10Y CAGR-1.2%

Hometrust Bancshares Inc had 17M shares outstanding in fiscal year 2025. This represents a decrease of 1.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

25.1%

YoY+4.2pp

5Y CAGR-190.3pp

10Y CAGR+15.7pp

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.

Return on Equity

10.7%

YoY+0.8pp

5Y CAGR+5.1pp

10Y CAGR+8.6pp

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.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$13.6M

YoY+2010.4%

5Y CAGR-11.1%

10Y CAGR-3.0%

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.

Capital Expenditures

$4.2M

YoY+37.2%

5Y CAGR+7.3%

10Y CAGR-1.7%

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	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$256.1M-2.1%	$261.6M+39.8%	$187.1M+61.2%	$116.1M+1019.3%	$10.4M-1.9%	$10.6M
Cost of Revenue	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
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	$73.0M+7.4%	$67.9M+9.1%	$62.2M+4.4%	$59.6M-5.3%	$63.0M+11.0%	$56.7M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$79.4M-13.8%	$92.1M+210.0%	$29.7M+456.4%	$5.3M-65.3%	$15.4M-52.1%	$32.1M
Income Tax	$16.6M+9.8%	$15.1M+20.3%	$12.6M+29.2%	$9.7M+184.3%	$3.4M-43.2%	$6.0M
Net Income	$64.4M+17.5%	$54.8M+22.9%	$44.6M+24.9%	$35.7M+127.4%	$15.7M-31.1%	$22.8M
EPS (Diluted)	$3.72+16.3%	$3.20+14.3%	$2.80+25.6%	$2.23+137.2%	$0.94-27.7%	$1.30

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$61.5M-3.1%	$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
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	$19.9M+7.2%	$18.5M+0.2%	$18.5M+1.6%	$18.2M+2.9%	$17.7M+2.7%	$17.2M+0.9%	$17.1M+2.9%	$16.6M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$17.2M-10.7%	$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
Income Tax	$4.2M+13.7%	$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
Net Income	$16.8M+3.8%	$16.2M-2.0%	$16.5M-4.2%	$17.2M+18.4%	$14.5M+2.4%	$14.2M+8.3%	$13.1M+5.6%	$12.4M
EPS (Diluted)	$0.99	N/A	$0.95-5.0%	$1.00+19.0%	$0.84	N/A	$0.76+4.1%	$0.73

HTB Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$4.5B-1.1%	$4.6B-0.3%	$4.6B+29.8%	$3.5B+0.7%	$3.5B-5.3%	$3.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$324.7M+16.3%	$279.2M-8.0%	$303.5M+188.7%	$105.1M+106.2%	$51.0M-58.1%	$121.6M
Inventory	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
Goodwill	$34.1M0.0%	$34.1M0.0%	$34.1M+33.0%	$25.6M0.0%	$25.6M0.0%	$25.6M
Total Liabilities	$3.9B-2.4%	$4.0B-2.2%	$4.1B+30.9%	$3.2B+1.0%	$3.1B-5.6%	$3.3B
Current Liabilities	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
Total Equity	$600.7M+8.9%	$551.8M+17.1%	$471.2M+21.2%	$388.8M-1.9%	$396.5M-2.9%	$408.3M
Retained Earnings	$436.5M+14.7%	$380.5M+23.3%	$308.7M+14.2%	$270.3M+12.6%	$240.1M-1.1%	$242.8M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$4.4B-3.5%	$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
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$300.7M-7.4%	$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
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	$3.8B-3.8%	$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
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	$592.4M-1.4%	$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
Retained Earnings	$451.1M+3.3%	$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

HTB Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$49.5M+8.9%	$45.4M+238.2%	-$32.9M-184.1%	$39.1M+309.1%	$9.6M+124.5%	-$39.1M
Capital Expenditures	$4.2M+37.2%	$3.0M-11.2%	$3.4M-48.2%	$6.6M-58.9%	$16.1M+449.8%	$2.9M
Free Cash Flow	$45.3M+6.9%	$42.4M+216.8%	-$36.3M-211.7%	$32.5M+598.3%	-$6.5M+84.5%	-$42.0M
Investing Cash Flow	$110.1M+428.8%	$20.8M+115.9%	-$130.6M-552.6%	$28.9M-80.7%	$149.5M+216.9%	-$127.9M
Financing Cash Flow	-$114.1M+15.0%	-$134.2M-137.1%	$361.9M+2714.2%	-$13.8M+94.0%	-$229.7M-205.6%	$217.6M
Dividends Paid	$8.4M+9.3%	$7.7M+23.1%	$6.2M+14.3%	$5.5M+8.6%	$5.0M+10.2%	$4.6M
Share Buybacks	$13.6M+2010.4%	$645K	$0-100.0%	$43.3M+168.3%	$16.2M-34.0%	$24.5M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$110.8M+5342.9%	-$2.1M+81.2%	-$11.3M-28.0%	-$8.8M-112.3%	$71.7M+1402.5%	$4.8M-89.1%	$43.8M+639.3%	$5.9M
Capital Expenditures	$818K-21.6%	$1.0M+37.2%	$760K-43.2%	$1.3M+30.8%	$1.0M-33.7%	$1.5M+126.7%	$681K+183.8%	$240K
Free Cash Flow	$110.0M+3584.8%	-$3.2M+73.7%	-$12.0M-18.6%	-$10.1M-114.3%	$70.6M+2090.1%	$3.2M-92.5%	$43.1M+658.5%	$5.7M
Investing Cash Flow	$36.4M-52.7%	$76.9M+122.9%	$34.5M+594.7%	-$7.0M-222.7%	$5.7M-84.6%	$37.0M+483.5%	$6.3M+109.0%	-$70.7M
Financing Cash Flow	-$171.2M-159.9%	-$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
Dividends Paid	$2.2M-2.1%	$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
Share Buybacks	$23.1M+124.6%	$10.3M	$0-100.0%	$2.8M+462.8%	$503K	$0	$0-100.0%	$645K

HTB Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Gross Margin	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
Net Margin	25.1%+4.2pp	20.9%-2.9pp	23.8%-6.9pp	30.8%-120.6pp	151.3%-64.1pp	215.5%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.57-0.8	7.33-1.4	8.78+0.7	8.13+0.2	7.89-0.2	8.12
FCF Margin	17.7%+1.5pp	16.2%+35.6pp	-19.4%-47.4pp	28.0%+90.9pp	-62.9%+334.5pp	-397.3%

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	27.3%+1.8pp	25.5%+0.2pp	25.2%-1.8pp	27.0%+4.2pp	22.9%+1.4pp	21.5%+1.8pp	19.7%+0.7pp	19.0%
Return on Equity	2.8%+0.1pp	2.7%-0.1pp	2.8%-0.2pp	3.0%+0.4pp	2.6%0.0pp	2.6%+0.1pp	2.4%+0.1pp	2.4%
Return on Assets	0.4%+0.0pp	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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	6.40-0.2	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
FCF Margin	178.9%+183.9pp	-5.0%+13.4pp	-18.4%-2.5pp	-15.9%-126.9pp	111.0%+106.1pp	4.9%-59.8pp	64.7%+56.0pp	8.7%

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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 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 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 24 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.