HomeTrust Bancshares, Inc. (HTB) Balance Sheet
HTB balance sheet, FY2026
June 30, 2026 · U.S. dollars$4.55B assets = $3.94B liabilities + $600.7M equity
Both columns are drawn to the same scale: what HTB owns equals what it owes plus shareholders’ equity. Hover a block for its value.
HTB financial health
Descriptive bands, not a rating. Fiscal FY2026.
HTB balance sheet trends, FY2017–FY2026
| Metric | Trend | Then | Latest | Change |
|---|---|---|---|---|
| Total assets | $3.21BFY2017 | $4.55BFY2026 | +4.0%/yr | |
| Total liabilities | $2.81BFY2017 | $3.94BFY2026 | +3.8%/yr | |
| Shareholders’ equity | $397.6MFY2017 | $600.7MFY2026 | +4.7%/yr | |
| Cash & short-term investments | $568.8MFY2017 | $480.0MFY2026 | −1.9%/yr | |
| Total debt | $698.4MFY2017 | $10.2MFY2026 | −37.5%/yr | |
| Net cash (debt) | −$129.6MFY2017 | $469.8MFY2026 | +$599.5M | |
| Working capital | −$1.37BFY2017 | −$3.21BFY2026 | −$1.8B | |
| Book value per share | $22.15FY2017 | $35.11FY2026 | +5.3%/yr | |
| Debt / equity | 1.76FY2017 | 0.02FY2026 | −1.74 | |
| Shares outstanding | 18.0MFY2017 | 17.1MFY2026 | −0.5%/yr |
Change is the average annual growth (CAGR) or the difference between the first and latest year.
HTB assets
HTB liabilities and equity
HTB debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease obligations.
HTB balance sheet
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||
| Cash & short-term investments | $480.0M | $459.8M | $508.8M | $488.6M | $450.1M | $437.2M | $609.8M | $486.3M | $521.7M | $568.8M |
| Cash & equivalents | $343.5M | $307.8M | $381.9M | $336.6M | $323.1M | $280.7M | $482.3M | $364.5M | $366.8M | $369.1M |
| Short-term investments | $136.5M | $152.0M | $127.0M | $151.9M | $127.0M | $156.5M | $127.5M | $121.8M | $155.0M | $199.7M |
| Receivables | $16.0M | $184.3M | $167.2M | $157.0M | $8.6M | $148.4M | $140.3M | $122.5M | $118.5M | $109.9M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $496.0M | $644.1M | $676.0M | $645.6M | $458.6M | $585.5M | $750.1M | $608.8M | $640.3M | $678.7M |
| Property, plant & equipment (net) | $62.4M | $69.9M | $70.9M | $73.2M | $69.1M | $70.9M | $58.5M | $61.1M | $62.5M | $63.6M |
| Goodwill & intangible assets | $39.0M | $40.7M | $43.2M | $44.9M | $25.7M | $26.0M | $26.7M | $28.1M | $30.2M | $32.8M |
| Long-term investments | $161.4M | $167.1M | $140.7M | $166.9M | $139.7M | $166.6M | $135.8M | $0 | $0 | $0 |
| Other non-current assets | $3.79B | $3.67B | $3.74B | $3.68B | $2.86B | $2.68B | $2.75B | $2.78B | $2.57B | $2.43B |
| Total assets | $4.55B | $4.60B | $4.67B | $4.61B | $3.55B | $3.52B | $3.72B | $3.48B | $3.30B | $3.21B |
| Liabilities | ||||||||||
| Short-term debt | — | — | $123.8M | $200.3M | $1.6M | $116.5M | — | — | — | — |
| Total current liabilities | $3.71B | $3.78B | $3.79B | $3.80B | $3.10B | $2.96B | $2.79B | $2.33B | $2.20B | $2.05B |
| Long-term debt | $10.2M | $10.1M | $10.0M | $10.0M | $0 | $115.0M | $475.0M | $0 | $0 | $0 |
| Other long-term liabilities | $224.7M | $254.3M | $377.6M | $324.9M | $60.6M | $57.7M | $53.8M | $740.0M | $698.7M | $760.4M |
| Total liabilities | $3.94B | $4.04B | $4.17B | $4.14B | $3.16B | $3.13B | $3.31B | $3.07B | $2.89B | $2.81B |
| Shareholders' equity | ||||||||||
| Common stock & paid-in capital | $173,000 | $175,000 | $174,000 | $174,000 | $156,000 | $167,000 | $170,000 | $180,000 | $191,000 | $190,000 |
| Retained earnings (deficit) | $436.5M | $380.5M | $333.4M | $308.7M | $270.3M | $240.1M | $242.8M | $224.5M | $200.6M | $191.7M |
| Accumulated other comprehensive income | $575,000 | −$1.7M | −$1.6M | −$4.1M | −$2.4M | $1.5M | $2.0M | $733,000 | −$1.6M | $273,000 |
| Total shareholders' equity | $600.7M | $551.8M | $499.9M | $471.2M | $388.8M | $396.5M | $408.3M | $408.9M | $409.2M | $397.6M |
| Key figures | ||||||||||
| Total debt | $10.2M | $10.1M | $133.8M | $210.2M | $8.4M | $115.0M | $475.0M | $681.9M | $636.9M | $698.4M |
| Net cash (debt) | $469.8M | $449.6M | $375.0M | $278.3M | $441.7M | $322.2M | $134.8M | −$195.6M | −$115.2M | −$129.6M |
| Working capital | −$3.21B | −$3.14B | −$3.11B | −$3.16B | −$2.64B | −$2.37B | −$2.04B | −$1.72B | −$1.56B | −$1.37B |
| Tangible book value | $561.7M | $511.1M | $456.7M | $426.3M | $363.1M | $370.5M | $381.5M | $380.8M | $379.1M | $364.8M |
| Book value per share | $35.11 | $32.40 | $29.71 | $29.86 | $24.59 | $24.04 | $23.61 | $22.23 | $21.85 | $22.15 |
| Shares outstanding | 17.1M | 17.0M | 16.8M | 15.8M | 15.8M | 16.5M | 17.3M | 18.4M | 18.7M | 18.0M |
| Current ratio | 0.13 | 0.17 | 0.18 | 0.17 | 0.15 | 0.20 | 0.27 | 0.26 | 0.29 | 0.33 |
| Quick ratio | 0.13 | 0.17 | 0.18 | 0.17 | 0.15 | 0.20 | 0.27 | 0.26 | 0.29 | 0.33 |
| Debt / equity | 0.02 | 0.02 | 0.27 | 0.45 | 0.02 | 0.29 | 1.16 | 1.67 | 1.56 | 1.76 |
| Equity / assets | 13.2% | 12.0% | 10.7% | 10.2% | 11.0% | 11.2% | 11.0% | 11.8% | 12.4% | 12.4% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets | ||||||||||||
| Cash & short-term investments | $418.4M | $458.0M | $480.0M | $315.8M | $160.6M | $476.2M | $459.8M | $463.3M | $460.5M | $534.9M | $508.8M | $494.7M |
| Cash & equivalents | $272.5M | $314.3M | $343.5M | $315.8M | $16.7M | $325.6M | $307.8M | $322.8M | $326.3M | $414.1M | $381.9M | $360.4M |
| Short-term investments | $145.9M | $143.7M | $136.5M | $409,000 | $143.9M | $150.6M | $152.0M | $140.6M | $134.1M | $120.8M | $127.0M | $134.3M |
| Receivables | $14.5M | $14.6M | $16.0M | $17.1M | $185.2M | $181.8M | $184.3M | $176.1M | $170.9M | $168.8M | $167.2M | $164.3M |
| Inventory | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Other current assets | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Total current assets | $433.0M | $472.6M | $496.0M | $332.9M | $177.2M | $658.0M | $644.1M | $639.4M | $631.4M | $703.8M | $676.0M | $659.1M |
| Property, plant & equipment (net) | $62.5M | $62.2M | $62.4M | $62.4M | $63.3M | $70.6M | $69.9M | $69.6M | $69.9M | $70.6M | $70.9M | $72.5M |
| Goodwill & intangible assets | $38.3M | $38.6M | $39.0M | $39.4M | $39.8M | $40.2M | $40.7M | $41.3M | $41.8M | $42.4M | $43.2M | $44.0M |
| Long-term investments | $166.3M | $169.2M | $161.4M | $0 | $161.7M | $168.3M | $167.1M | $156.0M | $149.6M | $135.4M | $140.7M | $148.9M |
| Other non-current assets | $3.74B | $3.64B | $3.79B | $4.16B | $4.14B | $3.62B | $3.67B | $3.73B | $3.78B | $3.73B | $3.74B | $3.73B |
| Total assets | $4.44B | $4.39B | $4.55B | $4.59B | $4.58B | $4.56B | $4.60B | $4.64B | $4.67B | $4.68B | $4.67B | $4.65B |
| Liabilities | ||||||||||||
| Short-term debt | — | $90.0M | $165.0M | $230.0M | — | — | $189.7M | $106.0M | $137.5M | $15.5M | $123.8M | — |
| Total current liabilities | $3.61B | $3.64B | $3.71B | $3.93B | $3.70B | $3.74B | $3.78B | $3.87B | $3.85B | $3.82B | $3.79B | $3.64B |
| Long-term debt | $0 | $10.2M | $10.2M | $10.2M | $10.2M | $10.1M | $10.1M | $16.1M | $10.1M | $10.0M | $10.0M | $462.3M |
| Other long-term liabilities | $232.8M | $144.1M | $224.7M | $57.9M | $287.4M | $246.1M | $254.3M | $213.6M | $291.9M | $345.5M | $377.6M | $64.4M |
| Total liabilities | $3.84B | $3.79B | $3.94B | $4.00B | $4.00B | $3.99B | $4.04B | $4.10B | $4.15B | $4.17B | $4.17B | $4.17B |
| Shareholders' equity | ||||||||||||
| Common stock & paid-in capital | $168,000 | $168,000 | $173,000 | $175,000 | $175,000 | $176,000 | $175,000 | $175,000 | $175,000 | $175,000 | $174,000 | $174,000 |
| Retained earnings (deficit) | $464.3M | $451.1M | $436.5M | $422.6M | $408.2M | $393.0M | $380.5M | $368.4M | $357.1M | $346.6M | $333.4M | $321.8M |
| Accumulated other comprehensive income | −$438,000 | −$47,000 | $575,000 | $325,000 | −$276,000 | −$600,000 | −$1.7M | $50,000 | −$2.4M | −$2.2M | −$1.6M | −$4.6M |
| Total shareholders' equity | $600.6M | $592.4M | $600.7M | $595.8M | $579.3M | $565.4M | $551.8M | $540.0M | $523.6M | $513.2M | $499.9M | $484.4M |
| Key figures | ||||||||||||
| Total debt | $175.0M | $10.2M | $10.2M | $240.2M | $10.2M | $10.1M | $10.1M | $116.1M | $147.6M | $25.6M | $133.8M | $462.3M |
| Net cash (debt) | $243.4M | $447.7M | $469.8M | $75.6M | $150.4M | $466.1M | $449.6M | $347.2M | $312.9M | $509.4M | $375.0M | $32.5M |
| Working capital | −$3.17B | −$3.17B | −$3.21B | −$3.60B | −$3.52B | −$3.08B | −$3.14B | −$3.23B | −$3.21B | −$3.11B | −$3.11B | −$2.98B |
| Tangible book value | $562.3M | $553.8M | $561.7M | $556.5M | $539.5M | $525.3M | $511.1M | $498.7M | $481.8M | $470.8M | $456.7M | $440.4M |
| Book value per share | $36.25 | $35.44 | $35.19 | $34.78 | $33.85 | $33.04 | $32.40 | $31.71 | $30.98 | $30.41 | $29.71 | $28.83 |
| Shares outstanding | 16.6M | 16.7M | 17.1M | 17.1M | 17.1M | 17.1M | 17.0M | 17.0M | 16.9M | 16.9M | 16.8M | 16.8M |
| Current ratio | 0.12 | 0.13 | 0.13 | 0.08 | 0.05 | 0.18 | 0.17 | 0.17 | 0.16 | 0.18 | 0.18 | 0.18 |
| Quick ratio | 0.12 | 0.13 | 0.13 | 0.08 | 0.09 | 0.18 | 0.17 | 0.17 | 0.16 | 0.18 | 0.18 | 0.18 |
| Debt / equity | 0.29 | 0.02 | 0.02 | 0.40 | 0.02 | 0.02 | 0.02 | 0.22 | 0.28 | 0.05 | 0.27 | 0.95 |
| Equity / assets | 13.5% | 13.5% | 13.2% | 13.0% | 12.7% | 12.4% | 12.0% | 11.6% | 11.2% | 11.0% | 10.7% | 10.4% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported (latest annual report filed March 13, 2026); data from EODHD.
HTB financial position
At the end of fiscal 2026 (June 30, 2026), HomeTrust Bancshares had total assets of $4.5 billion (down 1.1% from a year earlier), total liabilities of $3.9 billion and shareholders' equity of $600.7 million. It held $480.0 million in cash and short-term investments against $10.2 million of debt, a net cash position of $469.8 million. Its current ratio was 0.13.
Related: HTB income statement, HTB cash flow statement, HTB key metrics. See the HTB stock overview for the latest quote and news.
HTB balance sheet FAQ
What are HomeTrust Bancshares's total assets?
HomeTrust Bancshares reported total assets of $4.5 billion at the end of fiscal 2026 (June 30, 2026), compared with $4.6 billion a year earlier.
How much debt does HomeTrust Bancshares have?
HomeTrust Bancshares had $10.2 million of total debt at the end of fiscal 2026, including short-term borrowings. Its debt-to-equity ratio was 0.02.
How much cash does HomeTrust Bancshares have?
HomeTrust Bancshares held $480.0 million in cash and short-term investments at the end of fiscal 2026; with $10.2 million of debt that is net cash of $469.8 million.
What is HomeTrust Bancshares's book value?
HomeTrust Bancshares's shareholders' equity (book value) was $600.7 million at the end of fiscal 2026, or $35.11 per share.
What is HomeTrust Bancshares's current ratio?
HomeTrust Bancshares had current assets of $496.0 million and current liabilities of $3.7 billion, a current ratio of 0.13 (current liabilities exceed current assets).
How much goodwill does HomeTrust Bancshares have?
HomeTrust Bancshares carried $39.0 million of goodwill and intangible assets, 0.9% of total assets, at the end of fiscal 2026.