HTB

MKT CAP:$752M

HomeTrust Bancshares, Inc.

Market Cap

$752M

Financial Services·Banks - Regional·🇺🇸 United States·NYSE

Financials·Banks - Regional·🇺🇸·NYSE

Stock Price

$44.74+$1.92 (+4.50%)

Apr 22, 2026

Company Details

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 wel...

CEO

C. Hunter Westbrook

IPO Date

Dec 27, 2011

Website

www.htb.com

Key Metrics TTM

Revenue

$218M

-25.2% YoY

Net Income

$46M

EPS (Diluted)

$3.65

Free Cash Flow

$101M

Revenue / Share

$13.07

Gross Margin

70.2%

Operating Margin

26.8%

Net Margin

21.0%

FCF Margin

46.0%

P/S

3.4x

P/E

16.4x

Earnings Reports

Q1 2026

Apr 23, 2026

NEW

$0-100.0%EPS $0.99

FY 2025

Mar 13, 2026

$292M-0.9%EPS $3.72

Q2 2025

Aug 8, 2025

$72M-1.6%EPS $1.00

Q1 2025

May 8, 2025

$72M-0.7%EPS $0.84

FY 2024

Dec 31, 2024

$295M+11.0%EPS $3.20

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q4 21	$39M	$40M	$14M
Q1 22	$37M	$36M	$10M
Q2 22	$40M	$35M	$8M
Q3 22	$43M	$38M	$12M
Q4 22	$49M	$43M	$18M
Q1 23	$58M	$40M	$8M
Q2 23	$66M	$50M	$19M
Q3 23	$70M	$48M	$19M
Q4 23	$71M	$47M	$17M
Q1 24	$72M	$49M	$19M
Q2 24	$74M	$46M	$16M
Q3 24	$75M	$47M	$17M
Q4 24	$74M	$52M	$18M
Q1 25	$72M	$49M	$18M
Q2 25	$72M	$52M	$22M
Q1 26	$0	$0	$0

Valuation

Quarter	P/S	P/E
Q4 21	3.1x	22.2x
Q1 22	3.0x	21.2x
Q2 22	2.5x	10.8x
Q3 22	2.1x	9.8x
Q4 22	2.3x	10.4x
Q1 23	2.2x	11.6x
Q2 23	1.6x	7.9x
Q3 23	1.5x	7.1x
Q4 23	1.7x	8.8x
Q1 24	1.6x	7.6x
Q2 24	1.8x	9.1x
Q3 24	2.0x	10.7x
Q4 24	1.9x	10.5x
Q1 25	2.0x	10.7x
Q2 25	2.2x	10.8x
Q1 26	3.3x	15.7x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q3 21	-$2M	-$5M
Q4 21	$19M	$16M
Q1 22	$21M	$19M
Q2 22	-$3M	-$4M
Q3 22	$8M	$7M
Q4 22	$13M	$8M
Q1 23	$476.0K	-$2M
Q2 23	-$63M	-$69M
Q3 23	-$33M	-$38M
Q4 23	$22M	$13M
Q1 24	-$9M	-$13M
Q2 24	$6M	-$1M
Q3 24	$44M	$40M
Q4 24	$4M	$3M
Q1 25	$72M	$69M
Q2 25	-$9M	-$11M

Capital Expenditures

Quarter	CapEx
Q3 21	$3M
Q4 21	$3M
Q1 22	$2M
Q2 22	$578.0K
Q3 22	$1M
Q4 22	$5M
Q1 23	$3M
Q2 23	$6M
Q3 23	$6M
Q4 23	$9M
Q1 24	$4M
Q2 24	$7M
Q3 24	$4M
Q4 24	$2M
Q1 25	$3M
Q2 25	$2M

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q4 21	-2.1%	-9.9%
Q1 22	-7.1%	-10.4%
Q2 22	-0.4%	-35.9%
Q3 22	+9.3%	+20.4%
Q4 22	+26.0%	+25.5%
Q1 23	+56.4%	+85.5%
Q2 23	+65.5%	+44.6%
Q3 23	+62.7%	+64.6%
Q4 23	+46.4%	+74.9%
Q1 24	+24.3%	+6.5%
Q2 24	+11.5%	+24.2%
Q3 24	+6.3%	+12.1%
Q4 24	+4.4%	+3.4%
Q1 25	-0.7%	+0.1%
Q2 25	-1.6%	-12.5%
Q1 26	-100.0%	-100.0%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q3 21	$779.0K	2.0%
Q4 21	$887.0K	2.3%
Q1 22	$905.0K	2.4%
Q2 22	$1M	2.7%
Q3 22	$886.0K	2.0%
Q4 22	$789.0K	1.6%
Q1 23	$783.0K	1.3%
Q2 23	$675.0K	1.0%
Q3 23	$682.0K	1.0%
Q4 23	$713.0K	1.0%
Q1 24	$761.0K	1.1%
Q2 24	$765.0K	1.0%
Q3 24	$988.0K	1.3%
Q4 24	$918.0K	1.2%
Q1 25	$955.0K	1.3%
Q2 25	$960.0K	1.3%

OpEx Breakdown

Quarter	G&A	S&M
Q4 21	$16M	$832.0K
Q1 22	$15M	$573.0K
Q2 22	$18M	$473.0K
Q3 22	$15M	$590.0K
Q4 22	$16M	$481.0K
Q1 23	$17M	$372.0K
Q2 23	$17M	$696.0K
Q3 23	$17M	$487.0K
Q4 23	$17M	$625.0K
Q1 24	$18M	$645.0K
Q2 24	$17M	$606.0K
Q3 24	$18M	$408.0K
Q4 24	$18M	$234.0K
Q1 25	$18M	$452.0K
Q2 25	$19M	$442.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$323M	$127M	$450M
Q3 22	$207M	$162M	$369M
Q4 22	$194M	$148M	$342M
Q1 23	$348M	$155M	$502M
Q2 23	$337M	$152M	$489M
Q3 23	$360M	$134M	$495M
Q4 23	$382M	$127M	$509M
Q1 24	$414M	$121M	$535M
Q2 24	$326M	$134M	$460M
Q3 24	$323M	$141M	$463M
Q4 24	$308M	$152M	$460M
Q1 25	$326M	$151M	$476M
Q2 25	$17M	$144M	$161M
Q3 25	$15M	$146M	$161M
Q4 25	$14M	$143M	$157M
Q1 26	$15M	$150M	$164M

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q4 21	16M	-1.0%	-3.5%
Q1 22	16M	-1.2%	-4.2%
Q2 22	15M	-3.5%	-4.1%
Q3 22	15M	-0.8%	-6.3%
Q4 22	15M	+0.2%	-5.2%
Q1 23	16M	+6.0%	+1.8%
Q2 23	17M	+4.4%	+10.1%
Q3 23	17M	+0.1%	+11.0%
Q4 23	17M	+0.2%	+11.0%
Q1 24	17M	+0.3%	+4.9%
Q2 24	17M	+0.2%	+0.7%
Q3 24	17M	+0.7%	+1.4%
Q4 24	17M	0.0%	+1.2%
Q1 25	17M	+0.5%	+1.4%
Q2 25	17M	0.0%	+1.2%
Q1 26	17M	-2.3%	-1.8%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q4 21	—	—
Q1 22	—	—
Q2 22	—	—
Q3 22	—	—
Q4 22	—	—
Q1 23	—	—
Q2 23	—	—
Q3 23	—	—
Q4 23	—	—
Q1 24	—	—
Q2 24	—	—
Q3 24	—	—
Q4 24	—	—
Q1 25	—	—
Q2 25	—	—
Q1 26	$0	550

Revenue / Employee