Inferra AI / Company / HTB

HomeTrust Bancshares, Inc.

HTB · Financials

Last earnings Oct 21, 2026

Key results

Net incomequarter

$16.5 million

net income was $16.5 million compared to $17.2 million diluted earnings per share ( EPS ) were $0.95 compared to $1.00 annualized return on assets ( ROA ) was 1.48% compared to 1.58% annualized return on equity ( ROE ) was 11.10% compared to 11.97% net interest margin was 4.31% compared to 4.32% provision for credit lo

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

net income was $48.2 million compared to $40.6 million

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

EPSquarter

$2.79

diluted EPS were $2.79 compared to $2.37 annualized ROA was 1.46% compared to 1.22% annualized ROE was 11.20% compared to 10.39% net interest margin was 4.27% compared to 4.06% provision for credit losses was $4.9 million compared to $8.4 million gain on the sale of our two Knoxville

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Our quarterly earnings per share have grown 25% year-over-year, driven by a top quartile net interest margin of 4.31% and continued expense discipline.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Net income totaled $16.5 million, or $0.95 per diluted share, for the three months ended September 30, 2025 compared to $17.2 million, or $1.00 per diluted share, for the three months ended June 30, 2025, a decrease of $719,000, or 4.2%.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Net income totaled $48.2 million, or $2.79 per diluted share, for the nine months ended September 30, 2025 compared to $40.6 million, or $2.37 per diluted share, for the nine months ended September 30, 2024, an increase of $7.6 million, or 18.8%.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Dividendquarter

$6.2 million

Activity within stockholders' equity included $48.2 million in net income and $3.9 million in share-based compensation and stock option exercises, partially offset by $6.2 million in cash dividends declared and $3.3 million in stock repurchases.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

AI analysis

Q3 2025 · reported Oct 22, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

EPS · Q3 2025

$2.79

EX-99 · Oct 22, 2025

Net income · Q3 2025

$16.5M

EX-99 · Oct 22, 2025

Dividend · Q3 2025

$6.2M

EX-99 · Oct 22, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
Net income	$16.5 million	—	—
EPS	$2.79	—	—
Dividend	$6.2 million	—	—

EX-99 · Oct 22, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$0.13

Announces Financial Results for the Third Quarter of the Year Ending December 31, 2025 and an Increase in the Quarterly Dividend ASHEVILLE, N.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Announces Financial Results for the Third Quarter of the Year Ending December 31, 2025 and an Increase in the Quarterly Dividend

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

Announces Financial Results for the Third Quarter of the Year Ending December 31, 2025 and an Increase in the Quarterly Dividend ASHEVILLE, N.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

(NYSE HTB) ( Company ), the holding company of HomeTrust Bank ( Bank ), today announced preliminary net income for the third quarter of the year ending December 31, 2025 and an increase in its quarterly cash dividend.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

The Company also announced today that its Board of Directors declared a quarterly cash dividend of $0.13 per common share, reflecting a $0.01, or 8.3%, increase over the previous quarter's dividend.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

This is the seventh increase of the quarterly dividend since the Company initiated cash dividends in November 2018.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

The dividend is payable on November 28, 2025 to shareholders of record as of the close of business on November 14, 2025.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Total interest and dividend income for the three months ended September 30, 2025 increased $1.8 million when compared to the three months ended June 30, 2025.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Strategy & priorities

These results reflect the strength of our core banking model and focus on delivering consistent, high-quality growth.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

The overall decrease in average yield on interest-earning assets was mainly the result of both a reduction in interest rates and a decline in the average balance of the loan portfolio where we continue to be focused on prudent loan growth.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Marketing and advertising The decrease was the result of a reduction in spending in the nine months ended September 30, 2025 when compared to the same period of the prior year, as we re-evaluated our marketing strategy for future periods.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

With total assets of $4.6 billion as of September 30, 2025, the Company s goal is to continue to be recognized as a high-performing, regional community bank, while our strategy to reach that goal is to be a best place to work.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Risks & headwinds

These forward-looking statements are subject to known and unknown risks, uncertainties and other factors that could cause actual results to differ materially from the results anticipated or implied by forward-looking statements.

SEC original ↗HomeTrust Bancshares, Inc. — Earnings release (8-K exhibit)EX-99Oct 22, 2025

Documents

Earnings deck slides

0 decks with slide view

HomeTrust Bancshares, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

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