For the year ending 2025-12-31, HTB had $45,473K increase in cash & cash equivalents over the period. $45,324K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 64,364 |
| Provision (benefit) for credit losses | 6,938 |
| Depreciation and amortization of premises and equipment and equipment for operating leases | 11,112 |
| Deferred income tax expense (benefit) | 132 |
| Net accretion of purchase accounting adjustments on loans | 2,213 |
| Net amortization and accretion | 3,666 |
| Sbic investments income | 2,611 |
| Gain (loss) on sale of premises and equipment | 93 |
| Gain on sale of branches | 1,448 |
| Loss on repossessed assets | -383 |
| Loss on previously leased equipment | -1,588 |
| Boli income | 3,552 |
| Gain on sale of loans held for sale | 7,668 |
| Origination of loans held for sale | 442,664 |
| Proceeds from sales of loans held for sale | 419,697 |
| New deferred loan origination fees (costs), net | -1,032 |
| Amortization of tax credit equity investments | 5,139 |
| (increase) decrease in accrued interest receivable and other assets | 396 |
| Share-based compensation expense | 2,173 |
| Esop compensation expense | 2,005 |
| (decrease) increase in accrued interest payable and other liabilities | -8,094 |
| Net cash provided by (used in) operating activities | 49,490 |
| Purchase of debt securities available for sale | 22,999 |
| Proceeds from maturities, calls and paydowns of debt securities available for sale | 36,553 |
| Purchases of commercial paper | 0 |
| Proceeds from maturities and calls of commercial paper | 0 |
| Purchases of cds in other banks | 1,742 |
| Proceeds from maturities of cds in other banks | 11,439 |
| Net (purchases) redemptions of fhlb and frb stock | 6 |
| Net capital (contributions in) distributions from sbic investments | 1,090 |
| Capital contributions in tax credit equity investments | 8,217 |
| Net decrease (increase) in loans | -90,351 |
| Purchase of boli | 36 |
| Proceeds from redemption of boli | 2,174 |
| Death benefit proceeds from boli | 526 |
| Purchase of equipment for operating leases - lessor | 2,550 |
| Proceeds from sale of equipment for operating leases - lessor | 1,410 |
| Purchase of premises and equipment | 4,166 |
| Proceeds from sale of premises and equipment and assets held for sale | 7,717 |
| Proceeds from sale of repossessed assets | 695 |
| Net cash received in merger | 0 |
| Net cash provided by (used in) investing activities | 110,059 |
| Deposits assumed by purchaser through branch sales | 34,252 |
| Net increase (decrease) in deposits | -34,954 |
| Net increase (decrease) in revolving lines of credit | 0 |
| Net increase (decrease) in short-term borrowings | -23,000 |
| Repayment of long-term borrowings | 0 |
| Common stock repurchased | 13,612 |
| Cash dividends paid | 8,381 |
| Retired stock | 1,312 |
| Exercised stock options | 1,435 |
| Net cash provided by (used in) financing activities | -114,076 |
| Net increase (decrease) in cash and cash equivalents | 45,473 |
| Cash and cash equivalents at beginning of period | 279,219 |
| Cash and cash equivalents at end of period | 324,692 |
HomeTrust Bancshares, Inc. (HTB)
HomeTrust Bancshares, Inc. (HTB)