Demonstrações financeiras detalhadas de HomeTrust Bancshares, Inc. (HTB): demonstração de resultados, balanço patrimonial e fluxo de caixa. Acompanhe a evolução de margens, dívida, liquidez e rentabilidade ano a ano com até 20 anos de histórico.
Resumo da Análise
HomeTrust Bancshares, Inc. registou receitas de $292.5M no último exercício, com um CAGR de 5 anos de 12.8%. O lucro líquido atingiu $64.4M, com CAGR de 5 anos de 32.6%.
Margens dos últimos 12 meses: margem bruta 73.0%, margem operacional 28.3%, margem líquida 22.6%.
Ao preço atual de $46.70, HTB negocia a um P/L de 12.07 e um ROE de 10.88%. A capitalização de mercado é de $785M.
Demonstração de Resultados (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2023 | 2024 | 2025 |
|---|
| Receita | $114.9M | $136.1M | $159.7M | $166.6M | $159.9M | $155.3M | $216.1M | $265.8M | $295.1M | $292.5M |
| Custo da Receita | $8.2M | $16.1M | $36.1M | $40.6M | $8.3M | $4.7M | $45.1M | $80.1M | $100.5M | $86.3M |
| Lucro Bruto | $106.6M | $120.0M | $123.6M | $125.9M | $151.6M | $150.6M | $171.0M | $185.7M | $194.6M | $206.1M |
| P&D | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Despesas Gerais e Administrativas | $58.9M | $60.7M | $66.3M | $70.9M | $66.4M | $63.9M | $66.6M | $70.5M | $72.0M | $76.8M |
| Despesas Operacionais | $89.6M | $85.0M | $89.7M | $97.1M | $132.5M | $105.2M | $113.8M | $122.4M | $124.7M | $125.2M |
| Lucro Operacional | $17.0M | $35.0M | $33.9M | $28.8M | $19.1M | $45.4M | $57.2M | $63.3M | $69.9M | $81.0M |
| EBITDA | $17.0M | $35.5M | $33.4M | $33.6M | $31.3M | $57.2M | $70.6M | $79.4M | $86.9M | $92.1M |
| Despesas com Juros | $8.2M | $16.1M | $30.4M | $32.1M | $15.4M | $5.3M | $29.7M | $65.0M | $92.9M | $79.4M |
| Lucro Antes de Impostos | $17.0M | $35.0M | $33.9M | $28.8M | $19.1M | $45.4M | $57.2M | $63.3M | $69.9M | $81.0M |
| Imposto | $5.2M | $26.7M | $6.8M | $6.0M | $3.4M | $9.7M | $12.6M | $13.3M | $15.1M | $16.6M |
| Lucro Líquido | $11.8M | $8.2M | $27.1M | $22.8M | $15.7M | $35.7M | $44.6M | $50.0M | $54.8M | $64.4M |
| LPA | $0.66 | $0.45 | $1.52 | $1.34 | $0.97 | $2.27 | $2.82 | $2.98 | $3.21 | $3.75 |
| LPA Diluído | $0.65 | $0.44 | $1.46 | $1.30 | $0.94 | $2.23 | $2.80 | $2.97 | $3.20 | $3.72 |
| Ações em Circulação (Diluídas) | $18.0M | $18.7M | $18.4M | $17.3M | $16.5M | $15.8M | $15.8M | $16.8M | $17.0M | $17.1M |
Demonstração de Resultados (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Receita | $74.1M | $72.9M | $71.5M | $69.3M |
| Lucro Bruto | $52.1M | $51.5M | $54.0M | $52.5M |
| Lucro Operacional | $20.9M | $19.8M | $21.0M | $19.6M |
| EBITDA | $43.0M | $23.3M | $23.5M | $23.6M |
| Lucro Líquido | $16.5M | $16.1M | $16.8M | $15.6M |
| LPA | $0.96 | $0.95 | $1.01 | $0.95 |
| LPA Diluído | $0.95 | $0.93 | $0.99 | $0.94 |
Balanço (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2023 | 2024 | 2025 |
|---|
| Caixa e Equivalentes | $369.1M | $366.8M | $364.5M | $482.3M | $280.7M | $323.1M | $336.6M | $381.9M | $307.8M | $343.5M |
| Investimentos de Curto Prazo | $199.7M | $155.0M | $121.8M | $127.5M | $156.5M | $127.0M | $151.9M | $127.0M | $152.0M | $136.5M |
| Contas a Receber | $109.9M | $118.5M | $122.5M | $140.3M | $148.4M | $8.6M | $157.0M | $167.2M | $184.3M | $16.0M |
| Estoque | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Ativos Circulantes | $678.7M | $640.3M | $608.8M | $750.1M | $585.5M | $458.6M | $645.6M | $676.0M | $644.1M | $496.0M |
| Imobilizado | $63.6M | $62.5M | $61.1M | $58.5M | $70.9M | $69.1M | $73.2M | $70.9M | $69.9M | $62.4M |
| Ágio | $25.6M | $25.6M | $25.6M | $25.6M | $25.6M | $25.6M | $34.1M | $34.1M | $34.1M | $34.1M |
| Ativos Intangíveis | $7.2M | $4.5M | $2.5M | $1.1M | $343000 | $93000 | $10.8M | $9.1M | $6.6M | $4.8M |
| Ativos Totais | $3.21B | $3.30B | $3.48B | $3.72B | $3.52B | $3.55B | $4.61B | $4.67B | $4.60B | $4.55B |
| Contas a Pagar | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dívida de Curto Prazo | 0 | 0 | 0 | 0 | 0 | 0 | $200.3M | $123.8M | 0 | 0 |
| Passivos Circulantes | $2.05B | $2.20B | $2.33B | $2.79B | $2.96B | $3.10B | $3.80B | $3.79B | $3.78B | $3.71B |
| Dívida de Longo Prazo | $696.5M | $635.0M | $680.0M | $475.0M | $115.0M | 0 | $10.0M | $10.0M | $10.1M | $10.2M |
| Passivos Totais | $2.81B | $2.89B | $3.07B | $3.31B | $3.13B | $3.16B | $4.14B | $4.17B | $4.04B | $3.94B |
| Reservas | $191.7M | $200.6M | $224.5M | $242.8M | $240.1M | $270.3M | $308.7M | $333.4M | $380.5M | $436.5M |
| Patrimônio Líquido | $397.6M | $409.2M | $408.9M | $408.3M | $396.5M | $388.8M | $471.2M | $499.9M | $551.8M | $600.7M |
| Dívida Total | $698.4M | $636.9M | $681.9M | $475.0M | $115.0M | 0 | $210.2M | $133.8M | $10.1M | $10.2M |
| Dívida Líquida | $129.6M | $115.2M | $195.6M | -$134.8M | -$322.2M | -$450.1M | -$278.3M | -$375.0M | -$449.6M | -$469.8M |
| Capital de Giro | -$1.37B | -$1.56B | -$1.72B | -$2.04B | -$2.37B | -$2.64B | -$3.16B | -$3.11B | -$3.14B | -$3.21B |
Balanço (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Caixa e Equivalentes | $315.8M | $343.5M | $314.3M | $272.5M |
| Ativos Totais | $4.59B | $4.55B | $4.39B | $4.44B |
| Passivos Totais | $4.00B | $3.94B | $3.79B | $3.84B |
| Patrimônio Líquido | $595.8M | $600.7M | $592.4M | $600.6M |
| Dívida Total | $240.2M | $10.2M | $10.2M | $175.0M |
Fluxo de Caixa (10 anos)
| Ano | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|
| Lucro Líquido | $11.5M | $11.8M | $8.2M | $27.1M | $22.8M | $15.7M | $35.7M | $44.6M | $54.8M | $64.4M |
| Depreciação e Amortização | $3.0M | -$19000 | $505000 | -$556000 | $4.8M | $12.2M | $11.8M | $13.4M | $17.0M | $14.8M |
| Compensação em Ações | $3.9M | $5.4M | $4.4M | $3.0M | $3.0M | $3.2M | $3.7M | $3.1M | $3.4M | $4.2M |
| Variação Capital de Giro | $7.0M | -$5.0M | -$1.1M | -$9.3M | -$7.9M | $751000 | -$2.0M | -$5.2M | -$2.6M | -$8.5M |
| Fluxo de Caixa Operacional | $28.9M | $15.1M | $31.3M | $7.6M | -$39.1M | $9.6M | $33.1M | -$42.4M | $45.0M | $49.5M |
| CapEx | -$801000 | -$2.8M | -$3.5M | -$18.7M | -$17.4M | -$28.0M | -$9.5M | -$14.8M | -$16.7M | -$6.7M |
| Aquisições | 0 | -$10.8M | -$225000 | 0 | 0 | 0 | 0 | $30.6M | 0 | -$1.1M |
| Recompra de Ações | -$28.0M | -$569000 | -$494000 | -$30.8M | -$24.7M | -$16.4M | -$43.7M | -$344000 | -$1.0M | -$14.9M |
| Dividendos Pagos | 0 | 0 | 0 | -$3.2M | -$4.6M | -$5.0M | -$5.5M | -$6.2M | -$7.7M | -$8.4M |
| Fluxo de Caixa Livre | $28.1M | $12.3M | $27.9M | -$11.1M | -$56.5M | -$18.4M | $23.6M | -$57.1M | $28.2M | $42.8M |
Fluxo de Caixa (Trimestral)
| Ano | 2025-Q3 | 2025-Q4 | 2026-Q1 | 2026-Q2 |
|---|
| Fluxo de Caixa Operacional | -$11.3M | -$2.1M | $110.8M | $1.5M |
| CapEx | -$760000 | -$1.0M | -$818000 | -$1.3M |
| Fluxo de Caixa Livre | -$12.0M | -$3.2M | $110.0M | $126000 |
| Dividendos Pagos | -$2.1M | -$2.2M | -$2.2M | -$2.5M |
| Compensação em Ações | -$327000 | $296000 | $1.3M | $144000 |
Crescimento e Margens (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2023 | 2024 | 2025 |
|---|
| Crescimento Receita (anual) | | +18.5% | +17.4% | +4.3% | -4.0% | -2.8% | +39.1% | +23.0% | +11.0% | -0.9% |
| Crescimento Lucro Líquido (anual) | | -30.5% | +229.6% | -16.1% | -31.2% | +127.5% | +25.1% | +12.2% | +9.5% | +17.4% |
| Crescimento LPA (anual) | | -31.8% | +237.8% | -11.8% | -27.6% | +134.0% | +24.2% | +5.7% | +7.7% | +16.8% |
| Variação de Ações (anual) | | +4.3% | -1.8% | -6.0% | -4.6% | -4.2% | -0.2% | +6.6% | +1.2% | +0.5% |
| Crescimento FCF (anual) | | -56.3% | +126.6% | -139.7% | -410.4% | +67.4% | +228.4% | -342.0% | +149.4% | +51.5% |
| Margem Bruta | 92.8% | 88.2% | 77.4% | 75.6% | 94.8% | 96.9% | 79.1% | 69.9% | 65.9% | 70.5% |
| Margem Operacional | 14.8% | 25.7% | 21.2% | 17.3% | 11.9% | 29.2% | 26.5% | 23.8% | 23.7% | 27.7% |
| Margem EBITDA | 14.8% | 26.1% | 20.9% | 20.2% | 19.6% | 36.8% | 32.7% | 29.9% | 29.5% | 31.5% |
| Margem Líquida | 10.3% | 6.1% | 17.0% | 13.7% | 9.8% | 23.0% | 20.6% | 18.8% | 18.6% | 22.0% |
| Margem FCF | 24.5% | 9.0% | 17.4% | -6.6% | -35.4% | -11.8% | 10.9% | -21.5% | 9.6% | 14.6% |
| Taxa Efetiva de Imposto | 30.5% | 76.5% | 20.0% | 20.9% | 17.9% | 21.4% | 22.0% | 21.0% | 21.6% | 20.5% |
Dados por Ação (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2023 | 2024 | 2025 |
|---|
| FCF por Ação | $1.57 | $0.66 | $1.51 | $-0.64 | $-3.43 | $-1.16 | $1.50 | $-3.40 | $1.66 | $2.50 |
| Dividendo por Ação | $0.00 | $0.00 | $0.00 | $0.18 | $0.28 | $0.32 | $0.35 | $0.37 | $0.45 | $0.49 |
| Ações em Circulação (Básicas) | $17.4M | $18.0M | $17.7M | $16.7M | $16.1M | $15.5M | $15.7M | $16.8M | $16.9M | $17.0M |
O que olhar em empresas de Financial Services
- Efficiency Ratio (≤55%) — Despesas operacionais / receita. Bancos top abaixo de 55%.
- ROA (≥1%) — Quanto ganham por cada euro de ativos. ROE engana em bancos pela alavancagem.
- ROTCE (≥12%) — Rentabilidade sobre Capital Tangível. Exclui goodwill e intangíveis.
- Capital / Ativos (proxy Tier 1) (≥8%) — Proxy do rácio de capital. FMP não expõe Tier 1 regulatório direto.
- P/B (1,0-1,5x) — Métrica clássica bancária. <1x pode ser oportunidade ou distress.
- Dividend yield sustentável (≥2%, <8%) — Bancos UE pagam 5-7% sem stress. >8% é sinal de distress.
Rentabilidade
| Retorno sobre patrimônio | 10.88% |
| Retorno sobre capital investido | 7.80% |
| Retorno sobre ativos | 1.46% |
| Margem bruta | 73.00% |
| Margem operacional | 28.25% |
| Margem líquida | 22.58% |
Saúde financeira
| Dívida / Patrimônio | 0.29 |
| Liquidez corrente | 0.12 |
| Piotroski F-Score | 4 |
| Altman Z-Score | -0.48 |
Índices Chave (10 anos)
| Ano | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2023 | 2024 | 2025 |
|---|
| P/L | 36.97 | 62.56 | 16.47 | 11.94 | 28.76 | 11.01 | 7.41 | 8.96 | 10.49 | 11.45 |
| P/VP | 1.07 | 1.24 | 1.08 | 0.66 | 1.13 | 1.00 | 0.70 | 0.90 | 1.03 | 1.21 |
| P/V | 3.69 | 3.73 | 2.77 | 1.61 | 2.81 | 2.50 | 1.52 | 1.69 | 1.93 | 2.49 |
| Margem Bruta | 92.8% | 88.2% | 77.4% | 75.6% | 94.8% | 96.9% | 79.1% | 69.9% | 65.9% | 70.5% |
| Margem Operacional | 14.8% | 25.7% | 21.2% | 17.3% | 11.9% | 29.2% | 26.5% | 23.8% | 23.7% | 27.7% |
| Margem Líquida | 10.3% | 6.1% | 17.0% | 13.7% | 9.8% | 23.0% | 20.6% | 18.8% | 18.6% | 22.0% |