HB

HomeTrust Bancshares, Inc.

HTBยทNYSE

$45.90

-2.0%
Financial ServicesBanks - Regional

HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. Its deposit products include savings, money market, and demand accounts, as well as certificates of deposit for individuals, businesses, and nonprofit organizations. The company's loan portfolio comprises retail consumer loans, such as one-to-four-family real estate lending, home equity lines of credit, construction and land/lots, indirect auto finance, and consumer lending; and commercial loans that include commercial real estate, construction and development, and commercial and industrial loans. It also provides small business administration loans, equipment finance leases, indirect automobile loans, and municipal leases; and cash management and online/mobile banking services. As of June 30, 2021, the company operated 41 offices in North Carolina, Upstate South Carolina, East Tennessee, and Southwest Virginia. HomeTrust Bancshares, Inc. was founded in 1926 and is headquartered in Asheville, North Carolina.

At a Glance

Live Snapshot
Market Cap$771.37M
EPS3.7500
P/E Ratio12.24
Earnings Date07/28/2026
3Y+35.0%
5Y+83.0%
10Y+155.0%
3Y+44.0%
5Y+311.0%
10Y+443.0%
3Y-163.0%
5Y+178.0%
10Y+76.0%
HB

HomeTrust Bancshares, Inc. Profit Bridge

HTB ยท NYSE
Revenue292.47M
Cost of Goods Sold (86.34M)
Gross Profit206.13M
Operating Expenses (125.18M)
Operating Income80.95M
Interest Expense (79.40M)
Other Income/Expense0.00
Pretax Income80.95M
Income Tax (16.59M)
Net Income64.36M
Net Income
64.36M

Profitability Analysis

Gross Margin

70.5%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

27.7%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

22.0%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

20.5%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

HomeTrust Bancshares, Inc. Income Statement

HTB โ€ข NYSE

HomeTrust Bancshares, Inc. Income StatementDec 2025Dec 2024Dec 2023Jun 2023Jun 2022Jun 2021Jun 2020Jun 2019Jun 2018Jun 2017Jun 2016Jun 2015Jun 2014Jun 2013Jun 2012Jun 2011Jun 2010
REVENUE
292.5M
295.1M
265.8M
216.1M
155.3M
159.9M
166.6M
159.7M
136.1M
114.9M
101.5M
97.6M
68.4M
69.8M
73.4M
79.2M
78.3M
GROSS PROFIT
(86.3M)
(100.5M)
(80.1M)
(45.1M)
(4.7M)
(8.3M)
(40.7M)
(36.1M)
(16.1M)
(8.2M)
(6M)
(5.5M)
-868K
(8.4M)
(27.4M)
(63.3M)
(64.2M)
206.1M
194.6M
185.7M
171M
150.6M
151.6M
125.9M
123.6M
120M
106.6M
95.5M
92.1M
69.2M
61.5M
46M
15.9M
14M
OPERATING INCOME
(125.2M)
(124.7M)
(122.4M)
(113.8M)
(105.2M)
(132.5M)
(97.1M)
(89.7M)
(85M)
(89.6M)
(79.1M)
(81.5M)
(54.4M)
(50.4M)
(42.1M)
(43.9M)
(24.6M)
(76.8M)
(72M)
(70.5M)
(66.6M)
(63.9M)
(66.4M)
(70.9M)
(66.3M)
(60.7M)
(58.9M)
(55.5M)
(54.3M)
(38.5M)
(33.7M)
(28.6M)
(29.9M)
(30.9M)
81M
69.9M
63.3M
57.2M
45.4M
19.1M
28.8M
33.9M
35M
17M
16.4M
10.6M
14.9M
11M
3.9M
-28M
-10.5M
PRE-TAX INCOME
(79.4M)
(92.9M)
(65M)
(29.7M)
(5.3M)
(15.4M)
(32.2M)
(30.4M)
(16.1M)
(8.2M)
(6M)
(5.4M)
(5.4M)
(7.3M)
(11.8M)
(20.5M)
(25.6M)
176.7M
168.7M
169.4M
157.4M
110.8M
103.3M
104.1M
106.8M
101.3M
91.2M
81.7M
79.8M
54.8M
53.1M
55.7M
51.6M
45.7M
(48.4M)
(52.7M)
(51.9M)
(47.2M)
(41.3M)
(66.1M)
(26.2M)
(23.4M)
(24.4M)
(30.7M)
(23.6M)
(27.2M)
(15.9M)
(16.8M)
(13.5M)
(14M)
-6.4M
81M
69.9M
63.3M
57.2M
45.4M
19.1M
28.8M
33.9M
35M
17M
16.4M
10.6M
14.9M
11M
3.9M
-28M
-10.5M
NET INCOME
(16.6M)
(15.1M)
(13.3M)
(12.6M)
(9.7M)
(3.4M)
(6M)
(6.8M)
(26.7M)
(5.2M)
(4.9M)
(2.6M)
(4.5M)
(2M)
-647K
-13.3M
-17.6M
64.4M
54.8M
50M
44.6M
35.7M
15.7M
22.8M
27.1M
8.2M
11.8M
11.5M
8M
10.3M
9.1M
4.5M
-14.7M
7M

SEC Filings

HTB - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 19, 2026
May 18, 2026
2026
8-K

8-K 2026

N/A

May 15, 2026
May 14, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 06, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 07, 2026
April 07, 2026
2026
DEF 14A

DEF 14A 2025

N/A

April 07, 2026
December 31, 2025
2025
10-K

10-K 2025 FY

FY

March 13, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 11, 2026
February 09, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2026

N/A

January 08, 2026
January 08, 2026
2026
Showing 1 to 10 of 365 filings