HomeTrust Bancshares, Inc.

Listed Company

HTBCIK 0001538263NYSEAcceleratedSavings Institution, Federally CharteredMarylandFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

$64.36M

Total Assets

$4.55B

Equity

$600.69M

Shares Out

16.93M

Op. Cash Flow

$49.49M

Business

HomeTrust Bancshares, Inc. is a bank holding company that operates primarily through its subsidiary HomeTrust Bank, providing commercial and retail banking services to individuals, businesses and nonprofit organizations. It offers deposit accounts, commercial real estate, construction and development loans, commercial and industrial loans, equipment finance leases, municipal leases, one-to-four family mortgages, HELOCs, SBA loans, investment securities and cash management and online/mobile banking services. Its principal operating divisions include commercial banking, consumer banking, equipment finance, SBA lending and municipal lease activities conducted through the Bank. The Company distributes products through a branch and business banking center network, loan production offices, digital channels and third-party sales across Georgia, North Carolina, South Carolina, Tennessee and Virginia.

Summary from filing dated 2025-03-13

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2023 2023-06-30	FY 2022 2022-06-30
Loans	240	248	—	176	110
Commercial paper, net	0	6	—	4	2
Debt securities available for sale	7	0	—	1	2
Other investments and interest-bearing deposits	9	8	—	5	3
Total interest and dividend income	256	262	—	187	116
Deposits	78	87	—	26	5
Junior subordinated debt	817,000	928,000	—	327,000	0
Borrowings	981,000	4	—	4	80,000
Total interest expense	79	92	—	30	5
Net interest income	177	170	—	157	111
Provision for credit losses	7	8	—	15	−592,000
Net interest income after provision for credit losses	170	162	—	142	111
Service charges and fees on deposit accounts	10	9	—	10	9
Loan income and fees	3	3	—	3	3
Gain on sale of loans held for sale	8	6	—	6	13
BOLI income	4	4	—	2	2
Operating lease income	7	7	—	5	6
Gain on sale of branches	1	0	0	0	—
Gain (loss) on sale of premises and equipment	93,000	−9,000	—	2	−87,000
Other	4	4	—	4	3
Total noninterest income	36	33	—	31	39
Salaries and employee benefits	73	68	—	62	60
Occupancy expense, net	10	10	—	10	10
Computer services	11	13	—	12	11
Operating lease depreciation expense	7	8	—	5	5
Telecom, postage and supplies	2	2	—	2	3
Marketing and advertising	2	2	—	2	3
Deposit insurance premiums	2	2	—	2	2
Core deposit intangible amortization	2	2	—	2	250,000
Merger-related expenses	0	0	—	5	0
Contract renewal consulting fee	0	3	—	0	0
Other	17	16	—	13	11
Total noninterest expense	125	125	—	116	105
Income before income taxes	81	70	—	57	45
Income tax expense	17	15	—	13	10
Net income	64	55	—	45	36
Basic (in dollars per share)	3.75	3.21	—	2.82	2.27
Diluted (in dollars per share)	3.72	3.2	—	2.8	2.23
Basic (in shares)	17	17	—	16	16
Diluted (in shares)	17	17	—	16	16

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2023 2023-06-30	FY 2022 2022-06-30
Cash	14	19	18	19	21
Interest-bearing deposits	310	260	329	284	84
Cash and cash equivalents	325	279	347	303	105
Certificates of deposit in other banks	19	29	35	33	24
Debt securities available for sale, at fair value (amortized cost of $141,793 and $154,199 at December 31, 2025 and December 31, 2024, respectively)	143	152	127	152	127
FHLB and FRB stock	14	14	18	20	9
SBIC investments	19	15	14	15	13
Loans held for sale, at fair value	7	4	3	7	0
Loans held for sale, at lower of cost or fair value	199	202	198	162	79
Loans, net of deferred loan fees and costs	3,578	3,648	3,640	3,659	2,769
Allowance for credit losses loans	−41	−45	−49	−47	−35
Loans, net	3,537	3,603	3,591	3,612	2,735
Premises and equipment, net	62	70	71	73	69
Accrued interest receivable	16	18	17	15	9
Deferred income taxes, net	10	11	12	11	11
BOLI	94	91	88	107	95
Goodwill	34	34	34	34	26
Core deposit intangibles, net	5	7	9	11	93,000
Other assets	64	67	107	53	53
Total assets	4,546	4,595	4,673	4,607	3,549
Deposits	3,710	3,779	3,661	3,601	3,100
Junior subordinated debt	10	10	10	10	0
Borrowings	165	188	434	457	0
Other liabilities	60	66	68	68	61
Total liabilities	3,945	4,044	4,173	4,136	3,160
Commitments and Contingencies	—	—	—	—	—
Preferred stock, $0.01 par value, 10,000,000 shares authorized, none issued or outstanding	0	0	0	0	0
Common stock, $0.01 par value, 60,000,000 shares authorized, 17,286,289 and 17,527,709 shares issued and outstanding at December 31, 2025 and December 31, 2024, respectively	173,000	175,000	174,000	174,000	156,000
Additional paid in capital	167	177	172	171	126
Retained earnings	437	381	333	309	270
Unearned ESOP shares	−3	−4	−4	−5	−5
Accumulated other comprehensive income (loss)	575,000	−2	−2	−4	−2
Total stockholders equity	601	552	500	471	389
Total liabilities and stockholders equity	4,546	4,595	4,673	4,607	3,549
Debt securities available for sale, at fair value, amortized cost	142	154	129	157	130

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2023 2023-06-30	FY 2022 2022-06-30
Depreciation and amortization of premises and equipment and equipment for operating leases	11	12	—	9	9
Deferred income tax expense (benefit)	132,000	1	—	−433,000	7
Net accretion of purchase accounting adjustments on loans	−2	−3	—	−2	−2
Net amortization and accretion	4	5	—	4	2
SBIC investments income	−3	−2	—	−2	−2
Loss on repossessed assets	383,000	98,000	—	89,000	7,000
Loss on previously leased equipment	2	1	—	451,000	12,000
Origination of loans held for sale	−443	−254	—	−311	−465
Proceeds from sales of loans held for sale	420	233	—	213	464
New deferred loan origination fees (costs), net	1	−2	—	−3	−316,000
Amortization of tax credit equity investments	5	372,000	—	240,000	—
(Increase) decrease in accrued interest receivable and other assets	−396,000	−1	—	2	2
Share-based compensation expense	2	2	—	2	2
ESOP compensation expense	2	2	—	1	2
(Decrease) increase in accrued interest payable and other liabilities	−8	−1	—	2	2
Net cash provided by (used in) operating activities	49	45	—	−33	39
Purchase of debt securities available for sale	−23	−53	—	−82	−42
Proceeds from maturities, calls and paydowns of debt securities available for sale	37	29	—	66	65
Purchases of commercial paper	0	0	—	−210	−558
Proceeds from maturities and calls of commercial paper	0	0	—	406	555
Purchases of CDs in other banks	−2	−6	—	−18	−1
Proceeds from maturities of CDs in other banks	11	12	—	9	18
Net (purchases) redemptions of FHLB and FRB stock	−6,000	5	—	−10	4
Net capital (contributions in) distributions from SBIC investments	−1	403,000	—	−429,000	−914,000
Capital contributions in tax credit equity investments	−8	−724,000	—	−901,000	—
Net decrease (increase) in loans	90	4	—	−314	−6
Purchase of BOLI	−36,000	−33,000	—	−109,000	−173,000
Proceeds from redemption of BOLI	2	44	—	0	0
Death benefit proceeds from BOLI	526,000	2	—	0	0
Purchase of equipment for operating leases - lessor	−3	−14	—	−11	−3
Proceeds from sale of equipment for operating leases - lessor	1	257,000	0	9	6
Purchase of premises and equipment	−4	−3	—	−3	−7
Proceeds from sale of premises and equipment and assets held for sale	8	0	—	8	2
Proceeds from sale of repossessed assets	695,000	12,000	—	111,000	181,000
Net cash received in merger	0	0	—	31	0
Net cash provided by (used in) investing activities	110	21	—	−131	29
Deposits assumed by purchaser through branch sales	−34	0	—	0	—
Net increase (decrease) in deposits	−35	118	—	−69	144
Net increase (decrease) in revolving lines of credit	0	−19	—	20	0
Net increase (decrease) in short-term borrowings	−23	−227	—	437	−115
Repayment of long-term borrowings	0	0	—	−25	−60
Common stock repurchased	−14	−645,000	—	0	−43
Cash dividends paid	−8	−8	—	−6	−5
Retired stock	−1	−365,000	—	−344,000	−345,000
Exercised stock options	1	2	—	5	6
Net cash provided by (used in) financing activities	−114	−134	—	362	−14
Net increase (decrease) in cash and cash equivalents	45	−68	—	198	54
Interest	83	90	—	26	5
Income taxes	19	14	—	8	684,000
Unrealized gain (loss) in value of debt securities available for sale, net of income taxes	2	−134,000	—	−2	−4
Transfers of loans held for sale to loans held for investment	32	22	—	18	43
Transfers of loans held for investment to repossessed assets	589,000	1	—	0	0
Establish receivable for proceeds from redemption of BOLI policies (included in other assets)	0	0	—	0	0
ROU asset and lease liabilities for operating lease accounting	776,000	0	—	5	1
Transfer of premises and equipment to assets held for sale	8	0	—	0	3
Fair value of assets acquired	0	0	—	665	0
Fair value of liabilities assumed	0	0	—	610	0
Net assets acquired	0	0	—	55	0

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