HTBLOW SIGNALFINANCIAL10-K

HTB reported modest financial improvements with net income growing 17.4% alongside increased capital investment and enhanced cash position.

The bank demonstrates steady operational performance with healthy earnings growth and stronger liquidity, suggesting effective management execution. The modest increase in capital expenditures indicates ongoing investment in infrastructure while maintaining strong cash generation capabilities.

Comparing 2026-03-13 vs 2025-03-13View on EDGAR →
FINANCIAL ANALYSIS

HTB's financial metrics showed consistent improvement across key areas, with net income growing 17.4% to $64.4M and operating cash flow increasing 10.1% to $49.5M. The company strengthened its balance sheet with cash and equivalents rising 16.3% to $324.7M, while capital expenditures increased 37.2% to $4.2M, indicating measured investment in business capabilities. Overall, the financial picture reflects a well-managed regional bank generating solid returns while building liquidity reserves.

FINANCIAL STATEMENT CHANGES
Capital Expenditure
Cash Flow
+37.2%
$3.0M→$4.2M

Capital expenditure jumped 37.2% — major investment cycle underway; assess returns on deployment.

Net Income
P&L
+17.4%
$54.8M→$64.4M

Net income grew 17.4% — bottom-line growth signals improving overall business health.

Cash & Equivalents
Balance Sheet
+16.3%
$279.2M→$324.7M

Cash grew 16.3% — improving liquidity position supports investment and shareholder returns.

Operating Cash Flow
Cash Flow
+10.1%
$45.0M→$49.5M

Operating cash flow grew 10.1% — strong conversion of earnings to cash, healthy business fundamentals.

LANGUAGE CHANGES
NEW — 2026-03-13
PRIOR — 2025-03-13
ADDED
As of March 9, 2026, there were issued and outstanding 16,928,453 shares of the Registrant s Common Stock.
At December 31, 2025, the Company had consolidated total assets of $4.5 billion, total deposits of $3.7 billion and stockholders equity of $600.7 million.
Each week, a different fundamental is emphasized and discussed throughout the Company through unique videos and at the start of each team meeting.
Human Capital As of December 31, 2025, we employed 550 full-time employees and 24 part-time employees, for a total of 574 employees.
Our employees are located primarily in our five-state geographic footprint: North Carolina (374), Tennessee (54), Georgia (52), South Carolina (41) and Virginia (41).
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REMOVED
As of March 7, 2025, there were issued and outstanding 17,567,959 shares of the Registrant s Common Stock.
At December 31, 2024, the Company had consolidated total assets of $4.6 billion, total deposits of $3.8 billion and stockholders equity of $551.8 million.
Each week, a different fundamental is emphasized and discussed throughout the Company through unique videos, a culture mobile app, and at the start of each team meeting.
Human Capital As of December 31, 2024, we employed 539 full-time employees and 24 part-time employees, for a total of 563 employees.
Our employees are located primarily in our five-state geographic footprint: North Carolina - 367, Tennessee - 60, Georgia - 49, Virginia - 37 and South Carolina - 37.
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