HomeTrust Bancshares, Inc. (HTB) Earnings History

HomeTrust Bancshares, Inc. - Q4 FY2025 Earnings

Filed at: Jan 22, 2026, 9:47 AM EST|Read from source

EXECUTIVE SUMMARY

HomeTrust Bancshares reported solid financial results for the fourth quarter and full year of 2025, driven by a strong net interest margin and effective expense management. The company demonstrated growth in net income and EPS year-over-year, alongside an increase in tangible book value per share, positioning it for accelerated loan growth in 2026.

POSITIVE HIGHLIGHTS

  • •

    Full year 2025 net income increased 17.4% to $64.4 million compared to $54.8 million in 2024.

    positive
  • •

    Full year 2025 diluted EPS increased to $3.72 from $3.20 in 2024.

    positive
  • •

    Net interest margin improved to 4.25% for the full year 2025 from 4.07% in 2024.

    positive
  • •

    Tangible book value per share increased 11% for the second consecutive year.

    positive
  • •

    Quarterly cash dividend increased 8.3% to $0.13 per share.

    positive
  • •

    Shares repurchased increased significantly to 334,413 for the full year 2025 compared to 23,483 in 2024.

    positive

CONCERNS & RISKS

  • •

    Nonperforming assets increased by 54.4% to $44.4 million at December 31, 2025, compared to December 31, 2024.

    attention
  • •

    The ratio of nonperforming loans to total loans increased to 1.22% at December 31, 2025, from 0.76% at December 31, 2024.

    attention
  • •

    Classified assets increased by 37.1% to $66.2 million at December 31, 2025, compared to December 31, 2024.

    attention
  • •

    Deposits decreased by $69.2 million, mainly due to a reduction in brokered deposits.

    attention

FINANCIAL METRICS

Revenue
Quarterly
N/A
N/A
Net Income
Quarterly
$16.10M
-2.2%
Prior year: $16.50M
Annual (YTD)
$64.40M
N/A
Prior year: $54.80M
EPS (Diluted)
Quarterly
$0.93
-2.1%
Prior year: $0.95
Annual (YTD)
$3.72
N/A
Prior year: $3.20
Operating Income
Quarterly
N/A
N/A
EPS (Basic)
Quarterly
$0.94
-2.1%
Prior year: $0.96
Annual (YTD)
$3.75
N/A
Prior year: $3.21

MARGIN ANALYSIS

Margin metrics will be available once backend extracts data from insights_json

SPECIAL ITEMS & ADJUSTMENTS

FY2025
Gain on sale of two Knoxville, Tennessee branches
+$1.4M

Special items are non-recurring events that may distort period-over-period comparisons. Analysts typically adjust for these when calculating normalized earnings.

MANAGEMENT COMMENTARY

Fiscal year 2025 ended with another quarter of strong financial performance.

— HomeTrust Bancshares, Inc., Q4 FY2025 2025 Earnings Call

For the second consecutive year, we delivered 11% growth in our tangible book value per share – driven by our top quartile net interest margin of 4.25%, strong gains on the sale of loans, and continued expense discipline.

— HomeTrust Bancshares, Inc., Q4 FY2025 2025 Earnings Call

With our robust capital base and clear strategic vision, we are poised to accelerate loan growth in 2026.

— HomeTrust Bancshares, Inc., Q4 FY2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

Net Interest Margin
4.2
-2.6% YoY
Prior year: 4.3
%
ROA
1.4
-2.7% YoY
Prior year: 1.5
%
ROE
10.6
-4.2% YoY
Prior year: 11.1
%

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.