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Sep 30
Hometrust Q3 2025 Earnings Report
Hometrust reported net income of $16.5 million in Q3 2025, with a strong interest margin, though noninterest income declined and credit loss provisions increased.
Key Takeaways
Hometrust Bancshares delivered solid Q3 2025 results. While net income declined slightly, the company maintained strong net interest margin and disciplined expense control, underscoring stable operations.
Net income was $16.5 million, down from $17.2 million in the prior quarter.
EPS was $0.95 compared to $1.00 in Q2.
Net interest margin remained strong at 4.31%.
Provision for credit losses increased to $2.0 million from $1.3 million in Q2.
Hometrust
Hometrust
Hometrust Revenue by Segment
Hometrust Revenue by Geographic Location
Revenue by Segment
Service charges Revenue
CapyFin.comLoan income and fees Revenue
CapyFin.comLoan sales gain Revenue
CapyFin.comBOLI income Revenue
CapyFin.comOther income Revenue
CapyFin.comRevenue by Geographic Location
Piedmont Region Revenue
CapyFin.com Forward Guidance
Management remains confident in future loan growth driven by capital strength and an improving yield curve, though elevated credit provisioning may persist amid economic uncertainty.
Positive Outlook
- Strong net interest margin supports profitability.
- Loan pipeline and capital position enable future growth.
- Expense control remains disciplined.
- Dividend increased to $0.13 per share.
- Improved hedging performance on mortgage commitments.
Challenges Ahead
- Net income declined slightly from Q2 2025.
- Prior quarter’s branch sale gains were not repeated.
- Provision for credit losses rose 55%.
- Noninterest income fell due to lower loan sale gains.
- Classified and nonperforming assets increased modestly.