NYSE$HTB
Hometrust Bancshares Inc · Q1 2025 earnings
Q1 2025 earnings · · Investor relations
Briefing
Net income and EPS increased, driven by a decrease in the provision for credit losses and maintenance of a top-quartile net interest margin.
HomeTrust Bancshares reported a strong third quarter with increased net income and diluted earnings per share. The company maintained a top-quartile net interest margin and saw positive impacts from a decrease in the provision for credit losses.
- Net income increased to $13.1 million, up from $12.4 million in the previous quarter.
- Diluted earnings per share rose to $0.76, compared to $0.73 in the prior quarter.
- Annualized return on assets increased to 1.17%, up from 1.13% in the previous quarter.
- The Board of Directors declared a quarterly cash dividend of $0.12 per common share, a 9% increase over the previous quarter's dividend.
Headline financials
Revenue & EPS history
Hometrust · Revenue · Quarterly
$50.4M
Revenue by segment
Hometrust · $6.78M total across 4 segments · Q4 2020
- Loan sales gain$2.37M+11.1%35.0%
- Service charges$2.03M-14.3%30.0%
- Other income$1.86M+61.0%27.4%
- BOLI income$522K-1.3%7.7%
Forward guidance
The company is optimistic about its financial strength and geographic diversification, which provides a foundation to overcome unforeseen events.
Tailwinds
- Strong financial results reported for the quarter.
- Maintained top quartile net interest margin for the ninth straight quarter.
- Noninterest income and expense were in line with prior quarters.
- All banking locations are open and operating close to normal after Hurricane Helene.
- Committed to working with customers affected by Hurricane Helene to provide banking support.
Headwinds
- Provision for credit losses included an additional $2.2 million as a reserve build for the potential impact of Hurricane Helene.
- Potential collectability issues from loan customers due to Hurricane Helene.
- Time needed to assess, react, and recover from Hurricane Helene for affected customers.
- Increase in nonperforming assets, particularly in the equipment finance portfolio.
- Increase in net loan charge-offs concentrated in the equipment finance portfolio.
Historical earnings impact
How earnings announcements have historically affected this stock's price.
Avg. return before/after earnings
Based on 20 quarterly earnings reports · overlaid with Q1 2025
+0.2%
Avg return
Earnings day
+0.9%
Avg return
5 days after
+3.4%
Avg return
30 days after
48%
25 / 52 earnings
Positive
+7.3%
Q2 2023
Best reaction
-7.0%
Q3 2020
Worst reaction
| Quarter | Report date | Reaction (Day 0) | +5 days | +30 days |
|---|---|---|---|---|
| Q1 2026 | +0.3% | -0.3% | +3.1% | |
| Q3 2025 | +1.9% | +1.3% | +1.4% | |
| Q2 2025 | -0.3% | -1.7% | +1.9% | |
| Q1 2025 | -1.5% | -1.4% | +12.2% | |
| Q4 2024 | -3.4% | -3.4% | +0.8% | |
| Q3 2024 | +3.4% | +2.1% | +11.7% | |
| Q1 2024 | +7.1% | +4.9% | +14.7% | |
| Q4 2023 | +4.6% | +2.6% | -4.1% | |
| Q3 2023 | -1.7% | -2.2% | -4.4% | |
| Q2 2023 | +7.3% | +9.7% | +19.8% | |
| Q1 2023 | +4.7% | +6.0% | +10.7% | |
| Q4 2022 | -4.1% | -0.2% | +0.4% | |
| Q3 2022 | -3.1% | -6.4% | -7.2% | |
| Q2 2022 | +0.4% | -0.6% | -2.8% | |
| Q1 2022 | +2.5% | +3.3% | +0.9% | |
| Q4 2021 | -2.0% | -2.2% | +3.5% | |
| Q3 2021 | +0.2% | +0.6% | +6.1% | |
| Q2 2021 | +5.4% | +8.1% | +16.1% | |
| Q1 2021 | +5.5% | +11.8% | +22.6% | |
| Q4 2020 | -2.8% | -0.4% | -1.0% | |
| Q3 2020 | -7.0% | -8.8% | -6.7% | |
| Q2 2020 | +1.4% | +0.8% | -10.1% | |
| Q1 2020 | +1.9% | +2.7% | +0.3% | |
| Q4 2019 | +2.4% | +3.7% | -3.2% | |
| Q3 2019 | -2.1% | -0.2% | -2.8% | |
| Q2 2019 | +1.2% | +0.4% | +2.1% | |
| Q1 2019 | +2.8% | +3.9% | +0.8% | |
| Q4 2018 | +0.9% | +2.8% | +3.9% | |
| Q3 2018 | -2.6% | -1.7% | +0.7% | |
| Q2 2018 | -1.7% | +0.0% | +0.4% | |
| Q1 2018 | +0.4% | +1.3% | +2.5% | |
| Q4 2017 | -2.9% | -1.2% | -4.9% | |
| Q3 2017 | -2.2% | -2.0% | -2.0% | |
| Q2 2017 | -1.2% | -2.9% | -0.4% | |
| Q1 2017 | +2.5% | +1.8% | +31.3% | |
| Q4 2016 | -0.9% | -0.3% | +4.3% | |
| Q3 2016 | +2.4% | — | — | |
| Q2 2016 | -0.8% | — | — | |
| Q1 2016 | -5.3% | — | — | |
| Q4 2015 | -0.5% | — | — | |
| Q3 2015 | -2.2% | — | — | |
| Q2 2015 | -0.6% | — | — | |
| Q1 2015 | +1.1% | — | — | |
| Q4 2014 | -1.0% | — | — | |
| Q3 2014 | -0.1% | — | — | |
| Q2 2014 | -0.9% | — | — | |
| Q1 2014 | -0.2% | — | — | |
| Q4 2013 | -3.3% | — | — | |
| Q3 2013 | +0.2% | — | — | |
| Q2 2013 | +3.7% | — | — | |
| Q1 2013 | -0.4% | — | — | |
| Q3 2012 | +1.6% | — | — | |
| Q2 2012 | — | — | — | |
| Q1 2012 | — | — | — | |
| Q4 2011 | — | — | — | |
| Q3 2011 | — | — | — | |
| Q2 2011 | — | — | — | |
| Q1 2010 | — | — | — | |
| Q4 2010 | — | — | — |
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