HomeTrust Bancshares FY 2025 Earnings Snapshot

HomeTrust Bancshares (HTB) has posted its FY 2025 results with fourth quarter revenue of US$51.5 million and EPS of US$0.95, while trailing twelve month revenue came in at US$206.1 million and EPS at US$3.79, supported by net income of US$64.4 million over that period. The company reported quarterly revenue increasing from US$47.7 million in Q3 FY 2024 to US$51.5 million in Q4 FY 2025, with EPS over that same span ranging between US$0.77 and US$1.00 per quarter. For investors, the consistent revenue base and EPS profile highlight a results season where margins and profitability trends are central points of focus.

With the numbers on the table, the next step is to see how this performance compares with the prevailing narratives about HomeTrust Bancshares, and where the latest earnings may challenge or support those views.

31.2% net margin and earnings growth

• Over the last 12 months, HomeTrust Bancshares converted US$206.1 million of revenue into US$64.4 million of net income, which works out to a 31.2% net profit margin compared with 28.1% a year earlier and 18.6% earnings growth over that same period.
• What is interesting for a more bullish read is that five year earnings growth averaged 24.1% per year, which is higher than the most recent 18.6% pace, while net margin still moved from 28.1% to 31.2%, so:
  • Supporters of the bullish case can point to that longer term 24.1% annual earnings trend and a higher margin as evidence the business has produced solid profits over multiple years.
  • At the same time, the step down from 24.1% longer term growth to 18.6% in the latest year gives bulls something to watch because it shows growth has not matched the earlier pace even as margins improved.

To see how those margins and growth rates feed into longer term storylines for the company, you can read the full narrative that other investors are using as a reference point: 📊 Read the full HomeTrust Bancshares Consensus Narrative.

Loan book steady, credit metrics mixed

• Total loans stayed close to the mid US$3.6b range across the data provided, from US$3,698.9 million in Q3 FY 2024 to US$3,671.9 million in Q2 FY 2025 and US$3,643.6 million in Q3 FY 2025, while non performing loans moved between US$26.0 million and US$32.6 million over those periods.
• Bears looking at credit risk might highlight that non performing loans rose from about US$26.0 million in Q1 FY 2025 to US$32.6 million by Q3 FY 2025 even though loan balances hovered around US$3.6b, because:
  • That increase in non performing loans contrasts with the otherwise steady loan balance, so critics may focus on the mix and quality of loans rather than just headline size.
  • However, the profit data showing US$64.4 million of net income over the last 12 months indicates that, so far, these credit metrics have sat alongside solid reported profitability.

Valuation gap versus DCF fair value

• The recent share price of US$44.21 is well below both the cited DCF fair value of about US$80.25 and the only allowed analyst price target of US$48.88, while the trailing P/E of 11.9x sits under the peer average of 15.2x and the industry at 12.1x.
• Supporters of a more bullish stance could argue that this combination of a 31.2% profit margin, 18.6% earnings growth and a share price below both the US$80.25 DCF fair value and the US$48.88 price target heavily supports the idea of a valuation gap, yet:
  • The same data set also includes forecasts for about a 2.4% annual earnings decline over the next three years, which gives a clear reason why some investors may treat that apparent discount with caution.
  • This push and pull between strong trailing earnings and the projected 2.4% decline is at the core of how investors may interpret the current 11.9x P/E against higher peer and industry multiples.

Next Steps

Don't just look at this quarter; the real story is in the long-term trend. We've done an in-depth analysis on HomeTrust Bancshares's growth and its valuation to see if today's price is a bargain. Add the company to your watchlist or portfolio now so you don't miss the next big move.

See What Else Is Out There

While HomeTrust Bancshares reports a 31.2% net margin, the projected 2.4% annual earnings decline and mixed credit metrics give growth focused investors reasons to be cautious.

If that slowing earnings outlook and credit noise concerns you, shift your attention to CTA_SCREENER_STABLE_GROWTH to focus on companies with steadier and more predictable growth profiles.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.