HomeTrust Bancshares, Inc.
HomeTrust Bancshares, Inc. is classed by the SEC under Savings Institution, Federally Chartered (industry code 6035), based in Asheville, NC. Its latest filed balance sheet (2025-12-31) shows total assets of $4.4 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6035, Savings Institution, Federally Chartered); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 4.4 out of ten, 9 of 9 metrics filed: past 2.8 out of ten, present 6.0 out of ten, future 4.9 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 0.6 out of ten. 3 warning events since 2017; the latest 2025-02-11. 6th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 4.3 out of ten. +11.9% a year over 10 filed years; profitable in 10 of 10. 43rd percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 4.8 out of ten. Share count grew 2.3% a year. 59% of cash flow returned. Insiders: 7 sales, 0 purchases. 48th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 5.9 out of ten. ROE 11%: 11¢ of profit per shareholder dollar. Leverage 87%: owes 87¢ per asset dollar. 59th percentile among 33 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 8.4 out of ten. top 16% of 31 in its family; net margin 25.1%. 84th percentile among 31 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 2.5 out of ten. bottom 25% of 25 in its family for leadership; chief executive since 2022. 25th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
- Room to expand (future): 5.7 out of ten. top 43% of 25 in its family for room to expand. 57th percentile among 25 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.6 out of ten. bottom 46% of 30 in its family for growth drivers. 46th percentile among 30 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 4.2 out of ten. bottom 42% of 29 in its family for expectations against reality. 42nd percentile among 29 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-13 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-06 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-07-23 (on EDGAR). Newest filing: Form 8-K, 2026-10-06. Filings on record since 2011. Read from EDGAR 2026-10-12.
Who runs it
Westbrook, Hunter (President, CEO); Vuncannon, Tony J. (EVP, CFO and Treasurer); Jex, Lora (EVP and Chief Risk Officer); Nunley, Kevin M. (EVP and Chief Credit Officer); Pelletier, Megan (EVP, Chief Ops & Ppl Officer); Sivley, Charles F. Jr. (EVP, Chief Technology Officer); Powell, Kristin Y. (EVP, Consumer & BB Group Exec); Sprink, John Francis II (EVP, Comm Banking Group Exec); Kendall, Laura C (director); Cureton, Jesse (director); and 6 more. 16 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-09-30.
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