Fiserv earnings missed by $0.61, revenue fell short of estimates
ASHEVILLE, N.C. - HomeTrust Bancshares, Inc. (NYSE:HTB), a regional bank with a market capitalization of $692 million, reported net income of $16.5 million, or $0.95 per diluted share, for the third quarter of 2025, compared to $17.2 million, or $1.00 per diluted share, for the previous quarter. According to InvestingPro analysis, the stock appears undervalued relative to its Fair Value.
The company’s quarterly results showed a 4.2% decrease in net income, primarily due to a $1.4 million gain from branch sales in the previous quarter that did not recur. However, net interest income increased by $1.2 million quarter-over-quarter. Trading at a P/E ratio of 11.76x, the stock has delivered a solid year-to-date return of 17.5%.
The bank’s board of directors approved an 8.3% increase in the quarterly cash dividend to $0.13 per share, marking the seventh increase since initiating cash dividends in 2018. The dividend is payable on November 28, 2025, to shareholders of record as of November 14, 2025. InvestingPro data shows the company has consistently raised its dividend for seven consecutive years, with a current yield of 1.22%.
For the nine months ended September 30, 2025, HomeTrust reported net income of $48.2 million, or $2.79 per diluted share, representing an 18.8% increase from $40.6 million, or $2.37 per diluted share, for the same period in 2024.
The bank maintained a strong net interest margin of 4.31% for the quarter, compared to 4.32% in the previous quarter. Total assets stood at $4.6 billion as of September 30, 2025, relatively unchanged from December 31, 2024. InvestingPro indicates the bank maintains a strong financial health score, with particularly robust profitability metrics.
Nonperforming assets increased to $33.1 million, or 0.72% of total assets, compared to $30.5 million, or 0.67% of total assets, at June 30, 2025. The allowance for credit losses on loans was $43.1 million, or 1.18% of total loans.
"Our quarterly earnings per share have grown 25% year-over-year, driven by a top quartile net interest margin of 4.31% and continued expense discipline," said Hunter Westbrook, President and Chief Executive Officer, in a statement included in the company’s press release.
In other recent news, HomeTrust Bancshares, Inc. reported a significant 18.4% increase in its quarterly net income, reaching $17.2 million for the quarter ending June 30, 2025. This marks an improvement from the previous quarter’s net income of $14.5 million. Additionally, diluted earnings per share increased to $1.00 from $0.84, and the annualized return on assets rose to 1.58% from 1.33%. These developments were announced in a company statement. HomeTrust Bancshares also stated plans to release its third-quarter earnings results for 2025 on October 22. The announcement was made in a press release filed with the Securities and Exchange Commission. These recent developments reflect the company’s ongoing financial performance and forthcoming updates.
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