Saturday 17 October 2026 Export HTB’s income statement to Excel — free account

HomeTrust Bancshares, Inc.

HomeTrust Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $292.5 million, down 0.88% from fiscal 2024. In the quarter to June 2026, revenue fell 4.58%, EPS fell 5.94%, free cash flow grew 417.3% and total debt fell 36.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years, operating cash flow growth for three.

47.08 0.59 +1.27%

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Market cap: $776.1M
P/E: 12.2×
Fwd P/E: 12.9×
Dividend yield: 1.19%
F-score: n/a
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 3.40

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	1	—	—	4	—	1	—	—	—

Insider Ownership 8.10%

Capital & Financial Ratios $m

Market Cap 776.06

Revenue 288.96

Net Income 65.02

Free Cash Flow 96.68

Net Debt (109.17)

Current Ratio 1.11

Debt/Equity 0.29

P/E ratio 12.23

Fwd P/E 12.90

P/S ratio 2.66

P/B ratio 1.28

Past 5Y EPS Growth —

This Y EPS Growth 0.48%

Next Y EPS Growth 17.71%

Next Y revenue growth (24.88%)

Next 5Y EPS Growth 10.14%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 43.93%

10-year low 10-year high

P/S against its own 10 years 50.57%

10-year low 10-year high

P/B against its own 10 years 95.32%

10-year low 10-year high

Dividends

Payout Ratio 0.15

Annual Dividend Rate 0.56

Annual Dividend Yield 1.19%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.58	0.13 0.15 0.15
2025	0.49	0.12 0.12 0.12 0.13
2024	0.45	0.11 0.11 0.11 0.12
2023	0.41	0.10 0.10 0.10 0.11
2022	0.37	0.09 0.09 0.09 0.10
2021	0.33	0.08 0.08 0.08 0.09
2020	0.29	0.07 0.07 0.07 0.08
2019	0.25	0.06 0.06 0.06 0.07
2018	0.06	0.06
2017	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	337	308	344	284
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	4,132	4,135	4,102	4,002

	2023	2024	2025	Q'26
Payables	3,601	3,779	3,710	3,607
ST’ Debt	—	—	—	—
Other	—	—	—	—
	3,601	3,779	3,710	3,607

Compound Annual Growth %

	10y	5y	3y
Sales	11.59%	11.91%	23.51%
Cash Flow	36.44%	0.00%	8.16%
Earnings	23.35%	23.30%	22.12%
Book Value	4.94%	8.03%	15.60%

Revenue $m

	Sep	Dec	Mar	Jun	Year
’26	—	—	72	70	—
’25	74	73	72	74	292
’24	70	74	72	74	295
’23	43	50	59	66	218
’22	40	39	37	40	155
’21	39	40	40	40	159
’20	44	45	39	38	167

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Sep	Dec	Mar	Jun	Year
’26	—	—	111	1	—
’25	(11)	(2)	72	(9)	49
’24	(33)	5	(9)	6	45
’23	8	13	(4)	(62)	(34)
’22	(2)	19	38	(5)	39
’21	(56)	24	2	8	10
’20	(9)	2	(17)	(22)	(39)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Sep	Dec	Mar	Jun	Year
’26	—	—	113	7	—
’25	(12)	(11)	69	(2)	44
’24	(34)	(6)	(8)	(2)	28
’23	9	19	(5)	(63)	(41)
’22	(3)	17	38	(6)	32
’21	(61)	9	(21)	5	(16)
’20	(11)	(1)	(30)	(26)	(56)

Fiscal quarters ending in the months shown.

EPS $

	Sep	Dec	Mar	Jun	Year
’26	—	—	0.99	0.94	—
’25	0.95	0.93	0.84	1.00	3.72
’24	0.88	0.83	0.88	0.73	3.20
’23	0.60	0.90	0.40	0.90	2.83
’22	0.65	0.68	0.51	0.39	2.26
’21	0.35	0.57	0.48	(0.46)	0.95
’20	0.49	0.52	0.07	0.22	1.32

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	16.97	21.40	24.00	23.93	11.75	19.08	21.55	18.02	23.55	30.95	Analyst estimates 2026–2028 Powerpack
	High	27.05	28.00	30.00	28.79	27.79	32.28	32.60	30.79	38.99	47.64
People
People	Employees	465	486	520	582	590	575	515	556	563	574
	Revenue/emp, $m	0.22	0.24	0.26	0.28	0.28	0.28	0.30	0.39	0.52	0.51
Income, $m
Income, $m	Revenue	102	116	136	160	167	159	155	218	295	292
	Gross margin, %	94.08	92.86	88.21	81.03	80.70	90.28	96.56	86.38	68.78	72.85
	EBT	16	17	35	34	29	19	45	57	70	81
	EBT margin, %	16.03	14.75	25.64	21.19	17.29	12.04	29.23	26.20	23.69	27.68
	Net income	11	12	8	27	23	16	36	45	55	64
	Depreciation	3	0	1	(1)	5	10	12	13	17	15
Per share, $
Per share, $	Revenue	5.86	6.65	7.56	9.05	9.96	9.86	10.00	13.90	17.44	17.22
	Earnings	0.66	0.68	0.46	1.53	1.36	0.97	2.30	2.84	3.21	3.75
	Cash flow	1.66	0.87	1.74	0.43	(2.34)	0.59	2.52	(2.15)	2.69	2.91
	Capex	(0.05)	(0.14)	(0.14)	(1.06)	(1.01)	(1.57)	(0.46)	(0.43)	(1.02)	(0.34)
	Free cash flow	1.61	0.73	1.59	(0.63)	(3.35)	(0.98)	2.06	(2.58)	1.67	2.57
	Book value	20.67	22.88	22.70	23.11	24.40	24.66	25.06	30.01	32.62	35.36
	Shares, m	17	17	18	18	17	16	16	16	17	17
Valuation, ×
Valuation, ×	P/E	28.03	36.67	61.52	16.47	11.94	29.06	11.01	7.41	10.46	11.45
	P/S	3.16	3.67	3.74	2.77	1.61	2.83	2.50	1.61	1.93	2.49
	P/B	0.90	1.07	1.25	1.08	0.66	1.13	1.00	0.74	1.03	1.21
	EV/Sales	3.64	6.52	5.72	4.74	1.56	1.78	0.46	2.20	1.56	1.92
	EV/FCF	9.39	53.80	19.71	(68.86)	(3.83)	(4.18)	1.56	(12.13)	16.30	12.85
Cash, $m
Cash, $m	Operating cash flow	29	15	31	8	(39)	10	39	(34)	45	49
	Capex	(1)	(2)	(3)	(19)	(17)	(25)	(7)	(7)	(17)	(6)
	Free cash flow	28	13	29	(11)	(56)	(16)	32	(41)	28	44
Balance, $m
Balance, $m	Working capital	466	665	691	750	527	124	46	531	356	392
	Total debt	493	698	637	680	475	115	7	467	198	175
	Net debt	49	329	270	316	(7)	(166)	(316)	131	(110)	(168)
	Shareholders’ equity	360	398	409	409	408	397	389	471	552	601
Returns, %
Returns, %	ROA	0.41	0.40	0.25	0.80	0.63	0.43	1.00	1.08	1.19	1.41
	ROIC	2.64	2.16	3.23	2.97	4.49	5.58	40.53	6.50	9.88	11.70
	ROE	3.09	3.13	2.04	6.59	5.53	3.86	9.00	10.28	10.72	11.17

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
ORRF Orrstown Financial Services Inc	$816.1M	9.3×	8.8×	+0.90% (above 0%: growing)	+8.91% (above 0%: growing)	−5.50% (below 0%: shrinking)	70.78%	0.00%	Compare
SPFI South Plains Financial, Inc.	$809.1M	11.4×	11.7×	+16.84% (above 0%: growing)	+10.00% (above 0%: growing)	+104.00% (above 0%: growing)	72.34%	0.00%	Compare
IBCP Independent Bank Corp.	$783.4M	10.2×	10.0×	+5.66% (above 0%: growing)	+12.35% (above 0%: growing)	−1.00% (below 0%: shrinking)	76.53%	0.00%	Compare
HTB HomeTrust Bancshares, Inc.	$776.1M	12.2×	12.9×	−4.58% (below 0%: shrinking)	−5.94% (below 0%: shrinking)	+417.30% (above 0%: growing)	77.45%	0.00%
FISI Financial Institutions, Inc.	$773.9M	9.6×	9.2×	+0.58% (above 0%: growing)	+24.71% (above 0%: growing)	+397.95% (above 0%: growing)	68.40%	0.00%	Compare
PGC Peapack-Gladstone Financial Corporation	$769.9M	14.8×	11.9×	+10.12% (above 0%: growing)	+97.78% (above 0%: growing)	+388.43% (above 0%: growing)	70.34%	0.00%	Compare
SMBC Southern Missouri Bancorp, Inc.	$769.7M	10.9×	10.3×	+2.83% (above 0%: growing)	+31.43% (above 0%: growing)	−50.54% (below 0%: shrinking)	64.61%	0.00%	Compare
ALRS Alerus Financial	$765.5M	29.0×	9.7×	+1.35% (above 0%: growing)	+3.80% (above 0%: growing)	+136.92% (above 0%: growing)	77.88%	0.00%	Compare
SHBI Shore Bancshares Inc	$752.2M	11.4×	10.1×	+0.40% (above 0%: growing)	+21.74% (above 0%: growing)	+185.78% (above 0%: growing)	71.57%	0.00%	Compare
Median of peers	$771.9M	11.1×	10.1×	+2.09%	+17.05%	+120.46%	71.18%	0.00%

All 323 Banks Regional stocks →

HomeTrust Bancshares, Inc. (HTB) key facts

Concern: HomeTrust Bancshares, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $292.5 million, down 0.88% from fiscal 2024.
HomeTrust Bancshares, Inc. (HTB) is a Banks Regional company in the Financial sector, listed on the New York Stock Exchange.
As of October 16, 2026, HTB traded at $47.08, a market capitalization of $776.1 million.
HomeTrust Bancshares, Inc. pays an annual dividend of $0.56 per share, a yield of 1.19%, with a payout ratio of 14.7%.
Return on equity was 11.2% and debt-to-equity 0.29.

Source: company filings (standardised) and stockrow calculations.