NYSE$HTB

Hometrust Bancshares Inc · Q2 2022 earnings

Q2 2022 earnings · · Investor relations

Briefing

Net income increased compared to the corresponding quarter in the previous year.

HomeTrust Bancshares, Inc. reported a net income of $11.1 million for the second quarter of fiscal 2022, an increase compared to $9.5 million in the same quarter of the previous year. Diluted earnings per share were $0.68, up from $0.57. The company also saw improvements in annualized return on assets and equity, and net commercial loan growth, excluding PPP loans, increased.

  • Net income was $11.1 million, compared to $9.5 million.
  • Diluted earnings per share was $0.68, compared to $0.57.
  • Annualized return on assets was 1.24%, compared to 1.03%.
  • Net commercial loan growth, excluding PPP loans, was $41.9 million, compared to a decline of $44.6 million in the prior year.

Headline financials

Total Revenue

$37.3M

Previous: $35.5M+5.3%
EPS (adj)

$0.68

Previous: $0.57+19.3%
Return on Assets

1.2%

No prior period
Return on Equity

11.0%

No prior period
Net Interest Margin

3.3%

No prior period
Capital Expenditures

-$4.89M

Previous: $11.6M-142.2%
Free Cash Flow

$6.19M

Previous: $12.7M-51.2%
Net Income

$11.1M

Previous: $9.46M+17.1%
Operating Income

$27.4M

Previous: $12.1M+127.6%
Gross Profit

$34.9M

No prior period
Cash & Equivalents

$34.8M

Previous: $226M-84.6%
Total Assets

$3.5B

Previous: $3.68B-4.8%
Stock-Based Comp

$485K

Previous: $960K-49.5%

Revenue & EPS history

Hometrust · Revenue · Quarterly

$37.3M

Q2 2022+5.3%vs Q2 2021
Beat estimate in 12 of 15 quarters(80%)
ActualEstimate

Revenue by segment

Hometrust · $6.78M total across 4 segments · Q4 2020

  • Loan sales gain
    $2.37M+11.1%
  • Service charges
    $2.03M-14.3%
  • Other income
    $1.86M+61.0%
  • BOLI income
    $522K-1.3%

Forward guidance

The company will continue to focus on asset origination capacity while maintaining its credit culture.

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 2022

Historical avgQ2 2022

+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

Earnings price reactions
QuarterReport dateReaction (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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