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HomeTrust Bancshares
HomeTrust Bancshares (HTB) investor relations material
HomeTrust Bancshares Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary22 Jan, 2026
Executive summary
Achieved recognition as a top-performing regional community bank and top workplace, with consistent earnings growth and multiple industry accolades over the past two years.
Transitioned common stock listing from Nasdaq to NYSE in February 2025, enhancing liquidity and market visibility.
Refreshed leadership team with new board members and executives from major financial institutions.
Net income for Q4 2025 was $16.1 million ($0.93 diluted EPS), down from $16.5 million ($0.95 EPS) in Q3 2025; full-year net income rose to $64.4 million ($3.72 EPS) from $54.8 million ($3.20 EPS) in 2024.
Tangible book value per share increased 11% year-over-year, driven by a strong net interest margin, gains on loan sales, and expense discipline.
Financial highlights
Total assets reached $4.5B, loans $3.6B, and deposits $3.7B as of December 31, 2025.
Net interest margin was 4.20% in Q4 2025, with full-year margin at 4.25%, up from 4.07% in 2024.
Q4 annualized ROA was 1.44% (Q3: 1.48%); ROE was 10.63% (Q3: 11.10%). Full-year ROA was 1.46% (2024: 1.23%), ROE was 11.06% (2024: 10.37%).
Adjusted net income for 2025 was $63.1M, with adjusted diluted EPS of $3.65.
Tangible book value per share grew at an 11.1% CAGR over the last 24 months, reaching $32.56 at year-end 2025.
Outlook and guidance
Management expects to accelerate loan growth in 2026, leveraging a robust capital base and strategic vision.
Strong capital position and asset quality support continued growth in high-growth Southeast markets.
Ongoing focus on expense rationalization and noninterest income generation.
What's driving the increase in nonperforming assets?
How will 2026 loan growth accelerate?
What is the strategy for deposit mix shift?
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Next HomeTrust Bancshares earnings date
Q1 202624 Apr, 2026
HomeTrust Bancshares
Next HomeTrust Bancshares earnings date
Q1 202624 Apr, 2026
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Frequently asked questions
HomeTrust Bancshares, Inc. is a bank holding company that operates through its subsidiary, HomeTrust Bank. The company provides a range of personal and business banking products and services, including checking and savings accounts, certificates of deposit, and mortgage and consumer loans. It also offers commercial banking services such as commercial real estate loans, small business loans, and treasury management. HomeTrust Bancshares serves individual and corporate customers primarily in the southeastern United States, with a focus on North Carolina, South Carolina, Tennessee, and Virginia. The company is headquartered in Asheville, North Carolina, and its shares are listed on the NASDAQ.
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