For the quarter ending 2025-09-30, HTB had $18,621K increase in cash & cash equivalents over the period. -$12,017K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 16,491 | 31,749 |
| Provision for credit losses | 2,015 | 2,843 |
| Depreciation and amortization of premises and equipment and equipment for operating leases | 2,825 | 5,612 |
| Deferred income tax expense | -1 | 347 |
| Net accretion of purchase accounting adjustments on loans | 351 | 1,343 |
| Net amortization and accretion | 310 | 2,610 |
| Sbic investments income | 693 | 1,561 |
| Gain on sale of branches | 0 | 1,448 |
| (gain) loss on sale of premises and equipment | 0 | 28 |
| Loss on repossessed assets | -56 | -275 |
| Loss on previously leased equipment | -422 | -1,103 |
| Boli income | 882 | 1,694 |
| Gain on sale of loans held for sale | 1,725 | 4,017 |
| Origination of loans held for sale | 120,985 | 231,120 |
| Proceeds from sales of loans held for sale | -90,264 | -263,374 |
| New deferred loan origination fees (costs), net | -647 | 571 |
| Decrease (increase) in accrued interest receivable and other assets | 963 | -4,391 |
| Share-based compensation expense | 593 | 986 |
| Esop compensation expense | 529 | 929 |
| Decrease in accrued interest payable and other liabilities | 191 | -9,576 |
| Net cash provided by operating activities | -11,257 | 62,861 |
| Purchase of debt securities available for sale | 4,811 | 6,872 |
| Proceeds from maturities, calls and paydowns of debt securities available for sale | 4,124 | 17,426 |
| Purchases of cds in other banks | 0 | 1,742 |
| Proceeds from maturities of cds in other banks | 2,486 | 6,961 |
| Net (purchases) redemption of fhlb and frb stock | 938 | -1,633 |
| Net capital contributions in sbic investments | -67 | 1,042 |
| Net decrease (increase) in loans | -31,649 | 20,433 |
| Purchase of boli | 16 | 14 |
| Proceeds from redemption of boli policies | 0 | 2,174 |
| Death benefit proceeds from boli policies | 0 | 0 |
| Purchase of equipment for operating leases - lessor | 0 | 2,550 |
| Proceeds from sale of equipment for operating leases - lessor | 679 | 731 |
| Purchase of premises and equipment | 760 | 2,363 |
| Proceeds from sale of premises and equipment and assets held for sale | 0 | 7,652 |
| Proceeds from sale of repossessed assets | 128 | 416 |
| Net cash provided by (used in) investing activities | 34,484 | -1,289 |
| Deposits assumed by third parties through branch sales | 0 | 34,252 |
| Net increase (decrease) in deposits | 32,049 | -78,773 |
| Net decrease in revolving line of credit | 0 | 0 |
| Net decrease in short-term borrowings | -35,000 | 77,000 |
| Common stock repurchased | 0 | 3,334 |
| Cash dividends paid | 2,054 | 4,112 |
| Retired stock | 116 | 442 |
| Exercised stock options | 515 | 331 |
| Net cash provided by financing activities | -4,606 | -43,582 |
| Net increase (decrease) in cash and cash equivalents | 18,621 | 17,990 |
| Cash and cash equivalents at beginning of period | 279,219 | - |
| Cash and cash equivalents at end of period | 315,830 | - |
HomeTrust Bancshares, Inc. (HTB)
HomeTrust Bancshares, Inc. (HTB)