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Hometrust Bancshares, Inc. key statistics and ratios

In fiscal 2025, Hometrust Bancshares, Inc. had return on equity of 11.2% and a net margin of 30.2%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2010Jun 20102011Jun 20112012Jun 20122013Jun 20132014Jun 20142015Jun 20152016Jun 20162017Jun 20172018Jun 20182019Jun 20192020Jun 20202021Jun 20212022Jun 20222023Jun 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin10.0%−21.6%6.8%14.3%16.3%8.7%11.9%11.0%6.8%20.9%16.9%11.0%23.8%23.7%27.0%30.2%30.0%
Return on equity—−8.8%2.7%3.4%2.8%2.1%3.1%3.1%2.0%6.6%5.6%3.9%9.1%10.4%10.7%11.2%10.8%
Return on assets—−0.9%0.3%0.5%0.6%0.3%0.4%0.4%0.3%0.8%0.6%0.4%1.0%1.1%1.2%1.4%1.4%
Effective tax rate——−16.7%17.9%30.4%24.2%30.0%30.5%76.5%20.0%20.9%17.9%21.4%22.0%21.6%20.5%20.1%
Dividends ÷ net income———————0.0%0.0%11.7%20.0%32.0%15.3%14.0%14.0%13.0%13.7%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

57 /100

Moderate moat

How hard Hometrust Bancshares's competitive advantage looks for rivals to wear away, judged from 10 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 10 / 20

    Net income has been a median 0.9% of total assets over 10 years.

  • Durability 11 / 20

    Net margin has been a median 22.3%; its worst year was 6.8%.

  • Discipline 16 / 20

    The diluted share count rose 0.7% over five years; stock-based pay has been a median 1.3% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (62 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: BFC vs HTBFRST vs HTBGSBC vs HTB

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from Hometrust Bancshares, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Hometrust Bancshares, Inc.