HomeTrust Bancshares, Inc. (HTB) Income Statement
HTB FY2026 at a glance
Fiscal year ended June 30, 2026 · U.S. dollarsHTB revenue and net income
Where HTB's revenue goes
FY2026Each bar shows an amount and its share of revenue. HTB kept 22.0% of revenue as net income.
HTB profit margins
HTB growth rates
to FY2026| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | −0.9% | +10.6% | +12.8% | +11.2% |
| Gross profit | +5.9% | +6.4% | +6.3% | +8.0% |
| Operating income | +15.8% | +12.3% | +33.5% | +17.3% |
| Net income | +17.4% | +13.0% | +32.6% | +18.8% |
| EPS (diluted) | +6.7% | +26.1% | +14.9% | +18.5% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
HTB quarterly EPS vs estimates
HomeTrust Bancshares beat the analyst EPS estimate in 7 of the last 8 quarters. Next report: October 28, 2026 (estimate $0.88).
HTB income statement
| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $292.5M | $295.1M | $265.8M | $216.1M | $155.3M | $159.9M | $166.6M | $159.7M | $136.1M | $114.9M |
| Cost of revenue | $86.3M | $100.5M | $80.1M | $45.1M | $4.7M | $8.3M | $40.6M | $36.1M | $16.1M | $8.2M |
| Gross profit | $206.1M | $194.6M | $185.7M | $171.0M | $150.6M | $151.6M | $125.9M | $123.6M | $120.0M | $106.6M |
| Sales, general & admin | $76.8M | $72.0M | $70.5M | $66.6M | $63.9M | $66.4M | $70.9M | $66.3M | $60.7M | $58.9M |
| Total operating expenses | $125.2M | $124.7M | $122.4M | $113.8M | $105.2M | $132.5M | $97.1M | $89.7M | $85.0M | $89.6M |
| Operating income | $81.0M | $69.9M | $63.3M | $57.2M | $45.4M | $19.1M | $28.8M | $33.9M | $35.0M | $17.0M |
| Interest income | $256.1M | $261.6M | — | $187.1M | $116.1M | $118.7M | $136.3M | — | — | — |
| Interest expense | $79.4M | $92.9M | $65.0M | $29.7M | $5.3M | $15.4M | $32.1M | $30.4M | $16.1M | $8.2M |
| Income before taxes | $81.0M | $69.9M | $63.3M | $57.2M | $45.4M | $19.1M | $28.8M | $33.9M | $35.0M | $17.0M |
| Income taxes | $16.6M | $15.1M | $13.3M | $12.6M | $9.7M | $3.4M | $6.0M | $6.8M | $26.7M | $5.2M |
| Net income | $64.4M | $54.8M | $50.0M | $44.6M | $35.7M | $15.7M | $22.8M | $27.1M | $8.2M | $11.8M |
| EBITDA | $95.7M | $86.9M | $79.4M | $70.6M | $57.2M | $31.3M | $33.6M | $33.4M | $35.5M | $17.0M |
| EPS (diluted) | $3.81 | $3.57 | $3.28 | $1.90 | $2.23 | $1.90 | $1.30 | $1.44 | $1.38 | $0.94 |
| Gross margin | 70.5% | 65.9% | 69.9% | 79.1% | 96.9% | 94.8% | 75.6% | 77.4% | 88.2% | 92.8% |
| Operating margin | 27.7% | 23.7% | 23.8% | 26.5% | 29.2% | 11.9% | 17.3% | 21.2% | 25.7% | 14.8% |
| Net margin | 22.0% | 18.6% | 18.8% | 20.6% | 23.0% | 9.8% | 13.7% | 17.0% | 6.1% | 10.3% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $69.3M | $71.5M | $72.9M | $74.1M | $72.3M | $71.7M | $74.4M | $74.9M | $73.5M | $72.2M | $71.3M | $70.5M |
| Cost of revenue | $16.8M | $17.6M | $21.3M | $22.0M | $20.7M | $22.3M | $22.1M | $27.6M | $27.5M | $23.3M | $24.3M | $22.3M |
| Gross profit | $52.5M | $54.0M | $51.5M | $52.1M | $51.6M | $49.4M | $52.3M | $47.4M | $46.0M | $48.9M | $47.1M | $48.2M |
| Sales, general & admin | $23.0M | $21.9M | $21.1M | $36.9M | $19.1M | $18.7M | $18.0M | $18.1M | $17.7M | $18.2M | $17.6M | $17.7M |
| Total operating expenses | $32.9M | $33.0M | $31.7M | $31.3M | $29.8M | $31.0M | $34.0M | $30.6M | $30.2M | $29.9M | $30.0M | $29.6M |
| Operating income | $19.6M | $21.0M | $19.8M | $20.9M | $21.8M | $18.4M | $18.3M | $16.8M | $15.8M | $19.0M | $17.0M | $18.7M |
| Interest income | $61.2M | $61.5M | $63.5M | — | $63.6M | $63.6M | $66.2M | $66.6M | $65.4M | $63.4M | $62.8M | $61.9M |
| Interest expense | $15.9M | $17.2M | $19.3M | $20.0M | $19.4M | $20.7M | $23.0M | $24.6M | $23.2M | $22.1M | $20.9M | $19.7M |
| Income before taxes | $19.6M | $21.0M | $19.8M | $20.9M | $21.8M | $18.4M | $18.3M | $16.8M | $15.8M | $19.0M | $17.0M | $18.7M |
| Income taxes | $4.0M | $4.2M | $3.7M | $4.4M | $4.6M | $3.9M | $4.1M | $3.7M | $3.4M | $3.9M | $3.6M | $3.8M |
| Net income | $15.6M | $16.8M | $16.1M | $16.5M | $17.2M | $14.5M | $14.2M | $13.1M | $12.4M | $15.1M | $13.5M | $14.8M |
| EBITDA | $23.6M | $23.7M | $23.3M | $44.0M | $25.9M | $22.6M | $21.7M | $21.6M | $20.2M | $23.4M | $21.4M | $22.7M |
| EPS (diluted) | $0.94 | $0.99 | $0.93 | $0.95 | $1.00 | $0.84 | $0.97 | $0.76 | $0.73 | $0.88 | $0.79 | $0.88 |
| Gross margin | 75.8% | 75.4% | 70.7% | 70.3% | 71.4% | 68.9% | 70.3% | 63.2% | 62.6% | 67.7% | 66.0% | 68.4% |
| Operating margin | 28.3% | 29.3% | 27.2% | 28.1% | 30.2% | 25.7% | 24.6% | 22.4% | 21.5% | 26.3% | 23.9% | 26.5% |
| Net margin | 22.5% | 23.4% | 22.1% | 22.2% | 23.8% | 20.3% | 19.1% | 17.5% | 16.9% | 20.9% | 18.9% | 21.0% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in HTB's financial statements (latest annual report filed March 13, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
HTB financial results
In fiscal year 2026 (ended June 30, 2026), HomeTrust Bancshares reported revenue of $292.5 million, down 0.9% from the year before. It had net income of $64.4 million (up 17.4%), a net profit margin of 22.0%. Diluted earnings per share came to $3.81. Over five years revenue grew at an average rate of 12.8% a year.
See the HTB stock overview for the latest quote and news, or the HTB chart for price history and technical indicators.
HTB income statement FAQ
What is HomeTrust Bancshares's annual revenue?
HomeTrust Bancshares reported total revenue of $292.5 million for fiscal year 2026, which ended on June 30, 2026. That was down 0.9% from $295.1 million the previous year.
Is HomeTrust Bancshares profitable?
Yes. HomeTrust Bancshares reported net income of $64.4 million in fiscal 2026, a net profit margin of 22.0%; its operating margin was 27.7%.
What is HomeTrust Bancshares's gross margin?
HomeTrust Bancshares's gross margin was 70.5% in fiscal 2026: for every $100 of revenue, HomeTrust Bancshares kept $70 after the direct cost of its products and services.
How fast is HomeTrust Bancshares growing?
Revenue grew 12.8% a year on average over the last five fiscal years, from $159.9 million to $292.5 million.
What are HomeTrust Bancshares's earnings per share?
HomeTrust Bancshares earned $3.81 per diluted share in fiscal 2026, compared with $3.57 a year earlier.
When will HomeTrust Bancshares report its next earnings?
HomeTrust Bancshares is expected to report results for the quarter ending September 30, 2026 on October 28, 2026.
When does HomeTrust Bancshares's fiscal year end?
HomeTrust Bancshares's fiscal year ends in June. The latest annual report covers the year ended June 30, 2026 and was filed on March 13, 2026.