HomeTrust Bancshares Inc

htb.com

What Do They Do?

Takes deposits from individuals, businesses and nonprofits and lends to businesses and households through commercial, home and consumer loans.

How Do They Make Money?

The bank earns interest on loans and investments, while paying interest on deposits and borrowings. It also collects service charges and fees as services are provided, either periodically or based on activity.

FY2024 revenue

Who Are Their Customers?

Individuals, businesses and nonprofit organizations hold deposit accounts, while businesses and households borrow through commercial, home and consumer loans. The bank gathers deposits through its branch network.

Do Revenues Turn Into Profits?

Yes. It kept 25 cents of every revenue dollar as net income in FY2024 and turned 18 cents into free cash flow.

Net income, FY2024

25% of revenue

▲ +17% vs FY2023 ($54.8M, 21%)

Free cash flow, FY2024

18% of revenue

▲ +7% vs FY2023 ($42.4M, 16%)

How Are They Changing?

Since the FY2024 annual report

Latest quarter: Q2 FY2026, the three months to Jun 30, 2026

Revenue: ▼ −4%; vs $63.6M in Q2 FY2025
Net income: ▼ −9%; vs $17.2M in Q2 FY2025

Aug 17, 2026 Agreed to acquire Blue Ridge Bankshares The proposed all-stock deal is subject to regulatory and shareholder approvals.

Growing. Revenue grew 24.7x in 4 years, from $10.4M in FY2019 to $256.1M in FY2024, about 123% a year.

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