HTB Research | Milton Maxwell

HTB

HomeTrust Bancshares, Inc.

45.82

+0.17+0.37%

Dec 16, 4:00:02 PM EST

Upcoming Earnings

Report date

≈ -/-

Earnings Call Transcripts

This Quarter (Q1 '26)

No earnings call transcript available yet

Last Quarter (Q4 '25)

No earnings call transcript available

Key Stats

Market Cap

801.89M

P/E (TTM)

12.66

Basic EPS (TTM)

3.62

Dividend Yield

0.01%

Recent Filings

10-K

FY2025 results

3/13/26Mar 13, 2026

HomeTrust Bancshares closed FY2025 ended December 31, 2025 with $4.5B assets, $3.7B deposits, and $601M equity, down slightly from 2024 yet lifting ROA to 1.46% and ROE to 11.1% on $64M net income ($3.72 diluted EPS). Net interest income climbed 4% to $177M despite Fed cuts crimping yields, while noninterest income gained 9% to $36M fueled by $8M gains on HELOC/mortgage/SBA sales; expenses held flat at $125M. Q4 saw nonperformers tick to 1.22% of loans (SBA/equipment/HELOCs), but ACL coverage stayed solid at 95% with provision dipping 8%. Repurchased 334k shares; well-capitalized at 15% total risk-based. CRE concentrations invite regulatory scrutiny.

8-K

Exec incentives set for 2026

2/11/26Feb 11, 2026

HomeTrust Bancshares set 2026 incentive targets under its Senior Leadership Plan on February 9, tying CEO pay to 50% of base salary. Others get 40%, with metrics split: full adjusted pretax, pre-provision income for top execs, but half division profitability for banking heads. Aligns leadership with core earnings.

8-K

Q4 profits dip; yearly surge

1/22/26Jan 22, 2026

HomeTrust Bancshares reported Q4 net income of $16.1M, down slightly from $16.5M, with full-year 2025 profits surging 17% to $64.4M on a 4.25% NIM and $1.4M Knoxville branch sale gain. ROA hit 1.46%; board hiked the dividend 8% to $0.13/share. Nonperformers climbed to 0.98% of assets. Stock repurchases accelerated.

8-K

Q4 earnings release set

1/8/26Jan 8, 2026

HomeTrust Bancshares plans to release its Q4 2025 earnings before market open on January 22, 2026. The announcement, dated January 8, signals upcoming financial disclosure. Investors await details.

8-K

Completes buyback, authorizes new

12/16/25Dec 16, 2025

HomeTrust Bancshares wrapped its 5% stock repurchase program started in March 2022, buying back 806,000 shares at $31.84 average. Board greenlit another 870,000 shares—5% of outstanding—for open-market buys amid market swings. Repurchases signal confidence. Yet Hurricane Helene lingers as a risk.

About

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services in North Carolina, South Carolina, East Tennessee, Southwest Virginia, and Georgia. The company's deposit products include savings, money market, noninterest-bearing, and interest-bearing checking accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. Its loan portfolio comprises one-to-four-family real estate lending, multifamily, home equity lines of credit, construction and land development, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and land development, and commercial and industrial loans. The company also provides small business administration loans, equipment finance leases, and municipal leases, as well as cash management and online/mobile banking services. In addition, it invests in debt securities issued by the United States government agencies and government-sponsored enterprises, municipal bonds, corporate bonds, commercial paper and certificates of deposit insured by the federal deposit insurance corporation. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

CEO

Mr. C. Hunter Westbrook

IPO

7/11/2012

Website

https://www.htb.com

Employees

557

Sector

Financial Services

Industry

Banks - Regional