← HomeTrust Bancshares, Inc.
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | $85.5m |
$95.2m
+11.47%
|
$19.0m
-80.08%
|
$129.8m
+584.01%
|
$134.4m
+3.59%
|
$143.1m
+6.48%
|
$6.4m
-95.53%
|
$188.5m
+2848.45%
|
$203.0m
+7.69%
|
$213.1m
+4.98%
|
$215.1m
+0.95%
|
|
| Total interest and dividend income | $87.7m |
$99.4m
+13.32%
|
$116.7m
+17.36%
|
$137.3m
+17.61%
|
$136.3m
-0.73%
|
$118.7m
-12.86%
|
$116.1m
-2.21%
|
$187.1m
+61.16%
|
$261.6m
+39.81%
|
$256.1m
-2.09%
|
— | |
| Noninterest income: | ||||||||||||
| Total noninterest income | $13.5m | $15.4m | $19.7m | $22.9m | $30.3m | $39.8m | $39.2m | $31.1m | $33.4m | $36.3m | — | |
| Net interest income | $81.7m |
$91.2m
+11.61%
|
$100.6m
+10.35%
|
$106.9m
+6.21%
|
$104.1m
-2.59%
|
$103.3m
-0.75%
|
$110.8m
+7.21%
|
$157.4m
+42.10%
|
$168.7m
+7.15%
|
$176.7m
+4.78%
|
$179.2m
+1.39%
|
|
| Interest Income (Expense), Net | $81.7m |
$91.2m
+11.61%
|
$100.6m
+10.35%
|
$106.9m
+6.21%
|
$104.1m
-2.59%
|
$103.3m
-0.75%
|
$110.8m
+7.21%
|
$157.4m
+42.10%
|
$169.5m
+7.68%
|
$176.7m
+4.27%
|
$251.5m
+42.32%
|
|
| Marketing and Advertising Expense | $2.0m | $1.7m | $1.5m | $1.9m | $1.9m | $1.6m | $2.6m | $2.1m | $1.9m | $1.9m | — | |
| Labor and Related Expense | $42.5m | $46.4m | $48.2m | $52.3m | $56.7m | $63.0m | $59.6m | $62.2m | $67.9m | $73.0m | — | |
| Salaries and employee benefits | $42.5m | $46.4m | $48.2m | $52.3m | $56.7m | $63.0m | $59.6m | $62.2m | $67.9m | $73.0m | — | |
| Operating Lease, Expense | — | — | — | — | — | — | $5.4m | $4.9m | $7.7m | $7.0m | — | |
| Operating Lease, Lease Income | — | — | — | $936k | $3.4m | $5.6m | $6.4m | $5.5m | $7.3m | $7.1m | — | |
| Operating lease income | — | — | — | $936k | $3.4m | $5.6m | $6.4m | $5.5m | $7.3m | $7.1m | — | |
| Operating lease depreciation expense | — | — | — | — | — | — | $5.4m | $4.9m | $7.7m | $7.0m | — | |
| Noninterest expense: | ||||||||||||
| Total noninterest expense | $78.9m | $89.6m | $85.3m | $90.1m | $97.1m | $131.2m | $105.2m | $115.9m | $124.7m | $125.2m | — | |
| Interest expense: | ||||||||||||
| Interest Expense, Debt | — | — | — | — | — | — | — | $327k | — | — | $72.3m | |
| Total interest expense | $6.0m | $8.2m | $16.1m | $30.4m | $32.1m | $15.4m | $5.3m | $29.7m | $92.1m | $79.4m | — | |
| Net interest income after provision for credit losses | $81.7m |
$91.2m
+11.61%
|
$100.6m
+10.35%
|
$101.2m
+0.54%
|
$95.6m
-5.51%
|
$110.5m
+15.54%
|
$111.4m
+0.82%
|
$142.0m
+27.53%
|
$161.1m
+13.45%
|
$169.8m
+5.38%
|
$179.2m
+5.54%
|
|
| Debt and Equity Securities, Gain (Loss) | — | — | $0 | $0 | — | — | — | — | — | — | — | |
| Gain on sale of loans held for sale | — | $2.7m | $4.3m | $6.2m | $9.9m | $17.4m | $12.9m | $5.6m | $6.3m | $7.7m | $8.2m | |
| Gain on sale of branches | — | — | — | — | — | — | — | $0 | $0 | $1.4m | — | |
| Gain (loss) on sale of premises and equipment | ($10k) | ($385k) | $164k | $0 | $0 | ($1.3m) | ($87k) | $2.1m | ($9k) | $93k | — | |
| Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest | $16.4m | $17.0m | $35.0m | $33.9m | $28.8m | $19.1m | $45.4m | $57.2m | $69.9m | $81.0m | $81.3m | |
| Current Income Tax Expense (Benefit) | $320k | $245k | $615k | $1.4m | $828k | ($152k) | $3.1m | $13.0m | $14.0m | $16.5m | $16.3m | |
| Income Tax Expense (Benefit) | $4.9m | $5.2m | $26.7m | $6.8m | $6.0m | $3.4m | $9.7m | $12.6m | $15.1m | $16.6m | $16.3m | |
| Net Income (Loss) Attributable to Parent | $11.5m |
$11.8m
+3.41%
|
$8.2m
-30.49%
|
$27.1m
+229.64%
|
$22.8m
-16.07%
|
$15.7m
-31.20%
|
$35.7m
+127.45%
|
$44.6m
+25.11%
|
$54.8m
+22.87%
|
$64.4m
+17.44%
|
$64.3m
-0.10%
|
|
| Net Income (Loss) Available to Common Stockholders, Basic | $11.5m |
$11.8m
+3.41%
|
$8.2m
-31.00%
|
$27.0m
+229.75%
|
$22.6m
-16.20%
|
$15.5m
-31.25%
|
$35.3m
+127.58%
|
$44.2m
+25.04%
|
$54.3m
+22.79%
|
$63.7m
+17.39%
|
$64.3m
+0.93%
|
|
| Undistributed Earnings (Loss) Allocated to Participating Securities, Basic | — | ($125k) | $60k | $189k | $194k | $145k | $310k | $411k | $541k | $661k | — | |
| Earnings Per Share, Basic | $0.65 | $0.66 | $0.45 | $1.52 | $1.34 | $0.96 | $2.27 | $2.82 | $3.21 | $3.75 | $3.85 | |
| Earnings Per Share, Diluted | $0.65 | $0.65 | $0.44 | $1.46 | $1.30 | $0.94 | $2.23 | $2.80 | $3.20 | $3.72 | $3.81 | |
| Basic (in shares) | $17.4m | $17.4m | $18.0m | $17.7m | $16.7m | $16.1m | $15.5m | $15.7m | $16.9m | $17.0m | $16.7m | |
| Diluted (in shares) | $17.6m | $18.0m | $18.7m | $18.4m | $17.3m | $16.5m | $15.8m | $15.8m | $17.0m | $17.1m | $16.8m | |
| Weighted Average Number of Shares Outstanding, Basic | 17.4m | 17.4m | 18.0m | 17.7m | 16.7m | 16.1m | 15.5m | 15.7m | 16.9m | 17.0m | 16.7m | |
| Weighted Average Number of Shares Outstanding, Diluted | 17.6m | 18.0m | 18.7m | 18.4m | 17.3m | 16.5m | 15.8m | 15.8m | 17.0m | 17.1m | 16.8m | |
| Additional Financial Items | ||||||||||||
| Bank Owned Life Insurance Income | $1.9m | $2.1m | $2.1m | $2.1m | $2.2m | $2.2m | $2.0m | $2.1m | $4.3m | $3.6m | — | |
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal | — | — | — | — | — | — | ($1.5m) | $15.4m | $7.5m | $6.9m | — | |
| Goodwill, Impairment Loss | — | — | — | — | — | — | — | — | $0 | $0 | — | |
| Loans | $78.4m | $90.1m | $105.1m | $121.9m | $122.2m | $111.8m | $109.6m | $176.3m | $247.6m | $240.4m | — | |
| Commercial paper, net | $3.7m | $3.7m | $5.9m | $8.3m | $7.7m | $2.6m | $1.7m | $1.3m | $0 | $0 | — | |
| Debt securities available for sale | $4.2m | $4.0m | $3.7m | $3.4m | $3.7m | $2.0m | $1.8m | $4.3m | $6.0m | $6.7m | — | |
| Other investments and interest-bearing deposits | $1.5m | $1.7m | $2.0m | $3.6m | $2.7m | $2.3m | $3.0m | $5.2m | $7.9m | $9.0m | — | |
| Deposits | $4.5m | $4.6m | $6.8m | $15.8m | $22.8m | $9.4m | $5.3m | $25.5m | $88.3m | $77.6m | — | |
| Junior subordinated debt | — | — | — | — | — | $0 | $0 | $327k | $928k | $817k | — | |
| Borrowings | $1.5m | $3.7m | $9.3m | $14.6m | $9.3m | $6.0m | $80k | $3.9m | $3.7m | $981k | — | |
| Provision for credit losses | — | — | — | $5.7m | $8.5m | ($7.1m) | ($592k) | $15.4m | $7.5m | $6.9m | — | |
| Service charges and fees on deposit accounts | $6.7m | $7.0m | $8.8m | $9.6m | $9.4m | $9.1m | $9.5m | $9.5m | $9.2m | $9.8m | — | |
| Loan income and fees | $3.1m | $3.6m | $5.5m | $1.4m | $2.5m | $2.2m | $3.2m | $2.6m | $2.7m | $2.8m | — | |
| BOLI income | $1.6m | $2.1m | $2.1m | $2.1m | $2.2m | $2.2m | $2.0m | $2.1m | $4.3m | $3.6m | — | |
| Other | $9.2m | $9.6m | $11.1m | $11.1m | $14.1m | $17.0m | $16.5m | $18.2m | $15.0m | $16.8m | — | |
| Occupancy expense, net | $9.1m | $9.1m | $9.7m | $9.5m | $9.2m | $9.5m | $9.7m | $9.9m | $9.8m | $10.0m | — | |
| Computer services | $5.8m | $6.7m | $6.4m | $7.7m | $8.2m | $9.6m | $9.8m | $11.8m | $12.5m | $10.7m | — | |
| Telecom, postage and supplies | $3.2m | $2.7m | $3.0m | $3.0m | $3.3m | $3.1m | $2.8m | $2.5m | $2.3m | $2.2m | — | |
| Deposit insurance premiums | $2.0m | $1.4m | $1.6m | $1.4m | $900k | $1.8m | $1.7m | $2.2m | $2.2m | $1.9m | — | |
| Core deposit intangible amortization | $2.9m | $2.8m | $2.6m | $2.0m | $1.4m | $735k | $250k | $1.5m | $2.5m | $1.7m | — | |
| Merger-related expenses | $0 | $7.8m | $0 | $0 | — | $0 | $0 | $5.5m | $0 | $0 | — | |
| Contract renewal consulting fee | — | — | — | — | — | — | $0 | $0 | $3.0m | $0 | — |