NYSE$HTB
Hometrust Bancshares Inc · Q2 2020 earnings
Q2 2020 earnings · · Investor relations
Briefing
Net income increased due to loan sales and organic growth.
HomeTrust Bancshares reported a strong second quarter of fiscal year 2020, with net income rising by 14.3% to $9.2 million, driven by strategic loan sales and organic net loan growth.
- Return on assets increased 7.4% to 1.02%.
- Return on equity increased 13.3% to 8.87%.
- Noninterest income increased 78.4% to $9.1 million.
- Gain on sale of SBA loans increased 251.3% to $1.0 million.
Headline financials
Revenue & EPS history
Hometrust · Revenue · Quarterly
$36.1M
Revenue by segment
Hometrust · $9.07M total across 5 segments · Q2 2020
- Loan sales gain$3.78M+299.9%41.6%
- Service charges$2.61M+1.1%28.7%
- Other income$1.31M+75.4%14.5%
- Loan income and fees$871K+195.3%9.6%
- BOLI income$509K-2.1%5.6%
Forward guidance
HomeTrust anticipates improved customer experience and operational efficiencies from core technology conversion.
Tailwinds
- Core technology system conversion to improve customer experience.
- Operational efficiencies expected from technology upgrade.
- Scalability improvements from the new system.
- Infrastructure strengthening to support growth.
- Strategic plan execution to increase shareholder value.
Headwinds
- Industry-wide pressure from the interest rate environment.
- Increased noninterest expense due to investments in new positions and core system conversion.
- Potential risks associated with forward-looking statements.
- Uncertainty in economic conditions and securities markets.
- Possible legislative and regulatory changes impacting performance.
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 Q2 2020
+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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