HTB earnings analysis
What we found in HTB's 10-Q: the parts that mattered, the offsets in the same document, and what the company said about what comes next.
Our reading of the filing · Free to read, no account needed
HomeTrust Bancshares reported a robust Q1 2026 with net income increasing to $16.8 million and diluted EPS up to $0.99, surpassing both prior quarter and consensus estimates. Revenue totaled $54.34 million, highlighting solid performance in noninterest income, complemented by a decreased provision for credit losses, which supports profitability enhancements. However, deposits fell by $70.5 million due to declines in brokered deposits, indicating challenges in funding operations.
The parts that mattered.
Pulled out of the filing itself, with the figures the company reported.
- Strong Earnings Beat
- Reported EPS of $0.99 exceeded estimates by 20.7% and increased from $0.93 in Q4 2025.
- Revenue Growth
- Total revenue reached $54.34 million, up from $53.18 million in Q4 2025.
- Higher Noninterest Income
- Noninterest income rose to $10.03 million, an increase of 6.8% from the prior quarter.
- Lower Provision for Credit Losses
- Provision for credit losses fell to $370,000 from $2.08 million, reflecting improved asset quality.
- Stock Repurchase Program
- 533,240 shares repurchased at an average price of $42.85 during the quarter.
- Improved ROA and ROE
- Annualized ROA improved to 1.55% and ROE to 11.35%, both enhanced from prior quarter metrics.
And the other side of it.
The offsets in the same document — the things a summary that only listed the good news would have left out.
- Decline in Brokered Deposits
- Brokered deposits decreased by $116.1 million, contributing to a total deposit decline of $70.5 million.
- Increased Nonperforming Assets
- Nonperforming assets rose to $47.06 million, or 1.07% of total assets, up from $44.43 million.
- Classified Assets Increased
- Classified assets increased by 9.1% to $72.2 million, indicating potential credit quality issues.
What they reported.
What the company itself reported, taken out of the document.
- Earnings per share
- $0.99
What they said about what is next.
No numeric guidance provided; management expects to accelerate loan growth in the second half of 2026.
The filing reads better than the one before it.
What came before.
- 10-K · March 13, 2026
- HomeTrust Bancshares presents a regional community bank strategy centered on geographic expansion and relationship banking across five states, with $4.5 billion in total assets, $3.7 billion of deposits and $600.7…
- 10-Q · November 6, 2025
- HomeTrust reported third-quarter 2025 revenue of $54,140,000 and diluted EPS of $0.95, both up versus the year-ago quarter (revenue +$3.50M; diluted EPS +$0.19). Net interest income strengthened to $45,389,000 and…
- 10-Q · November 8, 2024
- HomeTrust reported third-quarter total revenue of $50,356,000 and diluted EPS of $0.76. Revenue was essentially flat year-over-year (down $431,000) while operating profitability and EPS declined versus the year-ago…
- 10-Q · August 9, 2024
- HomeTrust reported Q2 revenue of $50,279,000 and diluted EPS of $0.73. Revenue was roughly flat sequentially (+$238,000) but down modestly year‑over‑year; provision for credit losses jumped to $4,260,000 which pressured…
This is our reading of a public filing, not the filing. Read the original on SEC.gov · Educational only. Nothing here is investment advice.
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