Also trades as: HTBI (NASDAQ) · $vol 1M

$47.14

-0.21 (-0.44%)

Weekly Expected Move ±2.0%

$46 $47 $48 $49 $50

NYSE · Financial Services · Banks - Regional · Tech Score Buy · Power 68 · $786.9M mcap · 13M float · 1.37% daily turnover · Short 56% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Income Trends

Revenue

$292M -0.9% ▼

5Y CAGR: +12.8%

Gross Profit

$206M +5.9% ▲

5Y CAGR: +6.3%

Operating Income

$81M +15.8% ▲

5Y CAGR: +33.5%

Net Income

$64M +17.4% ▲

5Y CAGR: +32.6%

EPS (Diluted)

$3.72 +16.2% ▲

5Y CAGR: +31.7%

EBITDA

$81M -6.9% ▼

5Y CAGR: +20.9%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$155M	$216M	$266M	$295M	$292M
YoY Growth	-2.8%	+39.1%	+23.0%	+11.0%	-0.9%
Cost of Revenue	$5M	$45M	$80M	$100M	$86M
Gross Profit	$151M	$171M	$186M	$195M	$206M
Gross Margin	96.9%	79.1%	69.9%	65.9%	70.5%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$64M	$67M	$70M	$72M	$83M
Operating Expenses	$105M	$114M	$122M	$125M	$125M
Operating Income	$45M	$57M	$63M	$70M	$81M
Operating Margin	29.2%	26.5%	23.8%	23.7%	27.7%
Interest Expense	$5M	$30M	$65M	$93M	$79M
Income Before Tax	$45M	$57M	$63M	$70M	$81M
Tax Expense	$10M	$13M	$13M	$15M	$17M
Net Income	$36M	$45M	$50M	$55M	$64M
Net Margin	23.0%	20.6%	18.8%	18.6%	22.0%
EPS (Diluted)	$2.23	$2.80	$2.97	$3.20	$3.72
EBITDA	$57M	$71M	$79M	$87M	$81M
Shares Outstanding	16M	16M	17M	17M	17M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$74M	$72M	$72M	$74M	$73M	$72M	$69M	$70M
Cost of Revenue	$22M	$22M	$21M	$22M	$21M	$18M	$17M	$17M
Gross Profit	$52M	$49M	$52M	$52M	$52M	$54M	$53M	$53M
Gross Margin	70.3%	68.9%	71.4%	70.3%	70.7%	75.4%	75.8%	75.4%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$18M	$19M	$19M	$38M	$21M	$21M	$23M	$23M
Operating Expenses	$34M	$31M	$30M	$31M	$32M	$33M	$33M	$32M
Operating Income	$18M	$18M	$22M	$21M	$20M	$21M	$20M	$21M
Operating Margin	24.6%	25.7%	30.2%	28.1%	27.2%	29.3%	28.3%	29.4%
Interest Expense	$23M	$21M	$19M	$20M	$19M	$17M	$16M	$16M
Income Before Tax	$18M	$18M	$22M	$21M	$20M	$21M	$20M	$21M
Tax Expense	$4M	$4M	$5M	$4M	$4M	$4M	$4M	$3M
Net Income	$14M	$15M	$17M	$16M	$16M	$17M	$16M	$18M
Net Margin	19.1%	20.3%	23.8%	22.2%	22.1%	23.4%	22.5%	25.6%
EPS (Diluted)	$0.82	$0.84	$1.00	$0.95	$0.93	$0.99	$0.94	$1.12
EBITDA	$22M	$23M	$26M	$43M	$23M	$24M	$24M	$21M
Shares Outstanding	17M	17M	17M	17M	17M	17M	17M	16M

HTB NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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