Bank First vs Hometrust Bancshares
Hometrust Bancshares is the larger business, with $213m of revenue in fiscal 2025 against $174m for Bank First (1.2 times as much). Bank First grew faster (10.4% against 5.0%). Bank First kept more of each dollar of sales as profit: a net margin of 41.1% against 30.2%.
| Latest fiscal year | Bank FirstBFC, 2025 | Hometrust BancsharesHTB, 2025 |
|---|---|---|
| Revenue | $174m | $213m |
| Revenue growth | 10.4% | 5.0% |
| Net income | $71.5m | $64.4m |
| Operating margin | — | — |
| Net margin | 41.1% | 30.2% |
| Return on equity | 11.1% | 11.2% |
| Free cash flow | $51.0m | $45.3m |
| Cash | $243m | $325m |
| Total debt | $0 | $165m |
| Debt to equity | — | — |
| Dividend per share | $5.30 | $0.49 |
| Dividend yield | 1.2% | 1.1% |
| Share buybacks | $22.0m | $13.6m |
| Employees | 380 | 550 |
| Market value | $1.65bn | $787m |
| Price vs our value range | — | — |
| Moat score | 76 (Strong) | 57 (Moderate) |
| Insider trades, 12 months | 5 buys, 3 sales | 0 buys, 7 sales |