HomeTrust Bancshares reports 18.4% increase in quarterly net income

ASHEVILLE, N.C. - HomeTrust Bancshares, Inc. (NYSE:HTB), a regional bank with a market capitalization of $680 million, reported net income of $17.2 million for the quarter ended June 30, 2025, an 18.4% increase from $14.5 million in the previous quarter, according to a company statement released Tuesday. The stock, currently trading near its 52-week high of $39.49, has delivered a 16.86% return year-to-date.

Diluted earnings per share rose to $1.00 from $0.84 in the prior quarter, while the annualized return on assets improved to 1.58% from 1.33%. According to InvestingPro, the bank maintains a "GREAT" financial health score of 3.04, with several positive indicators available to subscribers.

The bank’s net interest margin expanded to 4.32% from 4.18% in the previous quarter, contributing to a $1.3 million increase in net interest income. Noninterest income grew by $2.1 million, primarily due to a $1.4 million gain from the sale of two branch locations in Knoxville, Tennessee.

"Given the current economic uncertainty, we are pleased to report another quarter of strong financial results," said C. Hunter Westbrook, President and Chief Executive Officer, in the press release. "These results reflect HTB’s commitment to remain nimble and be prudent balance sheet managers."

Total assets stood at $4.6 billion as of June 30, 2025, a slight decrease from December 31, 2024. The bank maintained strong asset quality with an allowance for credit losses at 1.20% of total loans, compared to 1.24% at the end of 2024.

The company’s board declared a quarterly cash dividend of $0.12 per common share, payable on August 28, 2025, to shareholders of record as of August 14, 2025. HomeTrust has consistently raised its dividend for seven consecutive years, currently yielding 1.23%. InvestingPro subscribers can access detailed dividend analysis tools and growth forecasts.

For the six months ended June 30, 2025, net income totaled $31.7 million, up 15.5% from $27.5 million in the same period last year, with diluted earnings per share increasing to $1.84 from $1.61.

The bank’s efficiency ratio improved to 57.47% for the quarter from 60.79% in the previous quarter, indicating better cost management relative to revenue generation. Trading at a P/E ratio of 12.37, InvestingPro analysis suggests the stock is currently fairly valued based on its proprietary Fair Value model.

In other recent news, HomeTrust Bancshares has reported a slight increase in its quarterly earnings for the first quarter ending December 31, 2025. The company’s net income rose to $14.5 million from $14.2 million in the previous quarter, with diluted earnings per share increasing to $0.84 from $0.83. Additionally, the annualized return on assets improved to 1.33%, and the return on equity rose to 10.52%. The net interest margin also showed growth, moving to 4.18% from 4.09% in the last quarter. HomeTrust Bancshares noted a provision for credit losses amounting to $1.5 million, a shift from a benefit of $855,000 in the previous quarter. Looking ahead, the company announced plans to release its second-quarter 2025 earnings on July 22, 2025. These developments reflect the company’s ongoing strategic focus on financial performance.

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