HomeTrust Bancshares | 10-Q: FY2025 Q3 Revenue: USD 74.15 B

Revenue: As of FY2025 Q3, the actual value is USD 74.15 B.

EPS: As of FY2025 Q3, the actual value is USD 0.95, beating the estimate of USD 0.868.

EBIT: As of FY2025 Q3, the actual value is USD -24.53 B.

Commercial Real Estate Segment

• Construction and Land Development: Total loans amounted to $268,953 as of September 30, 2025, with no loans past due.
• Owner Occupied: Total loans were $540,807, with $3,007 classified as special mention and $11,126 as substandard.
• Non-Owner Occupied: Total loans were $861,244, with $9,923 classified as special mention and $11,675 as substandard.
• Multifamily: Total loans were $115,403, with $280 classified as special mention and $169 as substandard.

Commercial Segment

• Commercial and Industrial: Total loans were $399,155, with $6,573 classified as special mention and $6,980 as substandard.
• Equipment Finance: Total loans were $340,322, with $1,625 classified as special mention and $5,245 as substandard.
• Municipal Leases: Total loans were $164,967, with no loans classified as special mention or substandard.

Residential Real Estate Segment

• Construction and Land Development: Total loans were $51,110, with $410 as substandard.
• One-to-Four Family: Total loans were $636,857, with $1,836 classified as special mention and $6,671 as substandard.
• HELOCs: Total loans were $216,122, with $7,496 as substandard.

Consumer Segment

• Total Consumer Loans: Total loans were $48,679, with $1,237 as substandard.

Cash Flow

• Operating Cash Flow: Net cash provided by operating activities was $51,604 for the nine months ended September 30, 2025.
• Investing Cash Flow: Net cash provided by investing activities was $33,195 for the nine months ended September 30, 2025.
• Financing Cash Flow: Net cash used in financing activities was $48,188 for the nine months ended September 30, 2025.

Future Outlook and Strategy

• Core Business Focus: The company completed the sale of two branches in Knoxville, Tennessee, retaining all loans associated with the branches and recording a $1.4 million pre-tax gain.
• Non-Core Business: No specific plans related to divestitures or emerging segments were mentioned in the report.