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…
Earnings analysis · 10-Q
HTB earnings analysis
Filed May 6, 2026 · Our reading of the company's report
The latest report
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…
Read full summary
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.
Gross and operating margin
How much of each revenue dollar the business keeps.
One point per quarterly or annual filing. Both margins are shares of that report's revenue.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $0.99
What stood out
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Strong Earnings Beat
Reported EPS of $0.99 exceeded estimates by 20.7% and increased from $0.93 in Q4 2025.
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Revenue Growth
Total revenue reached $54.34 million, up from $53.18 million in Q4 2025.
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Higher Noninterest Income
Noninterest income rose to $10.03 million, an increase of 6.8% from the prior quarter.
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Lower Provision for Credit Losses
Provision for credit losses fell to $370,000 from $2.08 million, reflecting improved asset quality.
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Stock Repurchase Program
533,240 shares repurchased at an average price of $42.85 during the quarter.
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Improved ROA and ROE
Annualized ROA improved to 1.55% and ROE to 11.35%, both enhanced from prior quarter metrics.
What to watch
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Decline in Brokered Deposits
Brokered deposits decreased by $116.1 million, contributing to a total deposit decline of $70.5 million.
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Increased Nonperforming Assets
Nonperforming assets rose to $47.06 million, or 1.07% of total assets, up from $44.43 million.
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Classified Assets Increased
Classified assets increased by 9.1% to $72.2 million, indicating potential credit quality issues.
Management's outlook
No numeric guidance provided; management expects to accelerate loan growth in the second half of 2026.
Earlier filings 4
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 itself. Analysis can contain errors; check the source document for full context.