HomeTrust Bancshares, Inc. (HTB) — Defensive Interval Ratio
HomeTrust Bancshares, Inc. (HTB) has a Defensive Interval Ratio of 21 days as of December 2025. Defensive assets of $158.51 Million (cash $-, short-term investments $142.54 Million, receivables $15.97 Million) cover 21 days of daily cash needs of $7.65 Million/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
HomeTrust Bancshares, Inc. Defensive Interval Ratio (2010–2025)
This chart shows how HomeTrust Bancshares, Inc.'s Defensive Interval Ratio has evolved across 16 annual periods from 2010 to 2025. As of December 2025, the ratio stands at 21 days, meaning defensive assets of $158.51 Million can fund 21 days of operations without new revenue. For the complete balance sheet picture, see HTB current and non-current assets.
Annual Defensive Interval Ratio for HomeTrust Bancshares, Inc. (2010–2025)
The table below presents the year-by-year Defensive Interval Ratio for HomeTrust Bancshares, Inc. from 2010 to 2025, covering 16 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See HTB current assets to equity ratio to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 32 days | $336.33 Million | $10.35 Million/day | $- | $152.01 Million | ▲ +4 days |
| 2024 | 28 days | $294.14 Million | $10.37 Million/day | $- | $126.95 Million | ▼ -1 days |
| 2023 | 30 days | $308.97 Million | $10.41 Million/day | $- | $151.93 Million | ▼ -2 days |
| 2022 | 31 days | $265.32 Million | $8.49 Million/day | $- | $126.98 Million | ▼ -6 days |
| 2021 | 38 days | $304.81 Million | $8.10 Million/day | $- | $156.46 Million | ▲ +3 days |
| 2020 | 35 days | $267.84 Million | $7.63 Million/day | $- | $127.54 Million | ▼ -3 days |
| 2019 | 38 days | $244.34 Million | $6.38 Million/day | $- | $121.79 Million | ▼ -7 days |
| 2018 | 45 days | $273.51 Million | $6.02 Million/day | $- | $154.99 Million | ▼ -10 days |
| 2017 | 55 days | $309.60 Million | $5.61 Million/day | $- | $199.67 Million | ▼ -8 days |
| 2016 | 63 days | $311.24 Million | $4.94 Million/day | $- | $200.65 Million | ▼ -10 days |
| 2015 | 73 days | $373.70 Million | $5.13 Million/day | $- | $257.61 Million | ▲ +8 days |
| 2014 | 65 days | $281.78 Million | $4.34 Million/day | $- | $168.77 Million | ▲ +19 days |
| 2013 | 46 days | $146.68 Million | $3.16 Million/day | $- | $24.75 Million | ▲ +8 days |
| 2012 | 38 days | $152.86 Million | $4.02 Million/day | $- | $31.34 Million | ▲ +36 days |
| 2011 | 3 days | $9.52 Million | $3.79 Million/day | $- | $- | ▼ -1 days |
| 2010 | 4 days | $14.37 Million | $3.62 Million/day | $- | $- | — |