HomeTrust Bancshares (HTB) investor relations material

Executive summary

• Achieved recognition as a top-performing regional community bank and top workplace, with consistent earnings growth and multiple industry accolades over the past two years.

• Transitioned common stock listing from Nasdaq to NYSE in February 2025, enhancing liquidity and market visibility.

• Refreshed leadership team with new board members and executives from major financial institutions.

• Net income for Q4 2025 was $16.1 million ($0.93 diluted EPS), down from $16.5 million ($0.95 EPS) in Q3 2025; full-year net income rose to $64.4 million ($3.72 EPS) from $54.8 million ($3.20 EPS) in 2024.

• Tangible book value per share increased 11% year-over-year, driven by a strong net interest margin, gains on loan sales, and expense discipline.

Financial highlights

• Total assets reached $4.5B, loans $3.6B, and deposits $3.7B as of December 31, 2025.

• Net interest margin was 4.20% in Q4 2025, with full-year margin at 4.25%, up from 4.07% in 2024.

• Q4 annualized ROA was 1.44% (Q3: 1.48%); ROE was 10.63% (Q3: 11.10%). Full-year ROA was 1.46% (2024: 1.23%), ROE was 11.06% (2024: 10.37%).

• Adjusted net income for 2025 was $63.1M, with adjusted diluted EPS of $3.65.

• Tangible book value per share grew at an 11.1% CAGR over the last 24 months, reaching $32.56 at year-end 2025.

Outlook and guidance

• Management expects to accelerate loan growth in 2026, leveraging a robust capital base and strategic vision.

• Strong capital position and asset quality support continued growth in high-growth Southeast markets.

• Ongoing focus on expense rationalization and noninterest income generation.