)
Visual
test
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?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Latest summaries
- TimeTickerHeadlineOpen
- 6 FebCRI
Q1 2025 saw record revenue, a return to profit, and major new contracts in space technology. - 6 FebCRINet loss widened to 7.5m PLN in H1 2024 as revenue fell and R&D costs remained high.
- 6 FebCRINet loss deepened on lower sales and higher costs, but major new contracts and restructuring are underway.
- 6 FebEMBASSY
Record revenue, NOI, and distributions highlight strong growth and robust segment performance. - 6 FebCRIRevenue fell and losses deepened, but ESA contracts and R&D projects drive future prospects.
- 6 FebNVDA
AI-driven digital twins and real-time simulation will transform engineering and manufacturing. - 6 FebTUPRS
Net income reached TRY 29.5 billion, with strong dividends and a robust net cash position. - 6 FebCPT
2025 results beat guidance; Sun Belt focus, asset sales, and share buybacks drive 2026 strategy. - 6 FebCRIH1 2025 saw a return to profit, record revenues, and strong cash from major space projects.
- 6 FebSCW
Q2 2025 revenue up 120% y/y, driven by record Asian contract and backlog growth.
Next HomeTrust Bancshares earnings date
Q1 202624 Apr, 2026
HomeTrust Bancshares
Next HomeTrust Bancshares earnings date
Q1 202624 Apr, 2026
The essential earnings season companion
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage