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HomeTrust Bancshares (HTB) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · HomeTrust Bancshares (HTB) Q3 2026 earnings results →
Q3 2026 Revenue up 3% year over year to $55.5M · 32¢ of every $1 of revenue kept as net profit · operating margin 37.1%
HomeTrust Bancshares made $55.5M in Q3 2026 (+3% Y/Y): Net interest income $46.5M, Noninterest income $9.1M. Operating margin 37.1%, net earnings $18.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $55.5M in Q3 2026, up 3% year over year and up 2% from the previous quarter. Net interest income was the largest line at 84% of revenue. Net interest income added $1.1M year over year (up 2%), 77% of the total change.
Operating profit was $20.6M, a 37.1% margin (down 1.5 points year over year). Operating profit fell $269K even though revenue rose $1.4M versus a year earlier, so costs grew faster than sales. Total costs grew 5% against revenue growth of 3%. Net earnings were $18.0M, up 9% year over year. The effective tax rate was 12.7%.
Operating cash flow was $10.3M, 57% of net earnings. Non-cash charges added back $835K of share-based compensation. Working capital and other items used $8.5M. Capital expenditures of $1.0M left free cash flow of $9.3M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $55.5M | +3% | 37.1% | $18.0M | $10.3M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About HomeTrust Bancshares
HomeTrust Bancshares, Inc., a Maryland corporation, was formed for the purpose of becoming the holding company for HomeTrust Bank in connection with the Bank’s conversion from mutual to stock form, which was completed on July 10, 2012. As a bank holding company and financial holding company, we are regulated by the Federal Reserve. At December 31, 2025, the Company had consolidated total assets of $4.5 billion, total deposits of $3.7 billion and stockholders’ equity of $600.7 million. The Company has not engaged in any significant activity other than holding the stock of the Bank. Accordingly, the information set forth in this Form 10-K, including the audited consolidated financial statements and related data, relates primarily to the Bank and its subsidiary.
In its own words, from its 10-K, filed Mar 13, 2026.
HomeTrust Bancshares against its Savings Institution, Federally Chartered peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +8%. Operating margin: 37.1% against the peers' median 37.1%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| HTB HomeTrust Bancshares | Q3 2026 | $55.5M | +3% | 37.1% |
| AX Axos Financial | Q1 FY27 | $395M | +22% | 44.3% |
| EBC Eastern Bankshares | Q3 2026 | $307M | +27% | 45.7% |
| BKU BankUnited | Q3 2026 | $280M | +2% | 34.6% |
| PFS Provident Financial Services | Q3 2026 | $239M | +8% | 38.8% |
| NRIM Northrim Bancorp | Q3 2026 | $69.9M | -9% | 26.8% |
| KRNY Kearny Financial | Q1 FY27 | $45.3M | +4% | 28.0% |
| PDLB Ponce Financial Group | Q3 2026 | $34.8M | +30% | 35.5% |
| FMAO Farmers & Merchants Bancorp | Q3 2026 | $34.8M | +11% | 40.8% |
Source: HomeTrust Bancshares 10-Q on SEC EDGAR · CIK 1538263 · Savings Institution, Federally Chartered
Guidance and outlook
13F: who owns HTB and who is buying
More on HTB
History
Every quarter: Q3 2026 results