HBT Financial (HBT) Financials

$25.31 -0.41 (-1.59%)

Closing price 07/18/2025 04:00 PM Eastern

Extended Trading

$25.28 -0.04 (-0.14%)

As of 07/18/2025 04:04 PM Eastern

Annual Income Statements for HBT Financial

This table shows HBT Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Income / (Loss) Attributable to Common Shareholders	56	64	67	37	56	56	66	72
Consolidated Net Income / (Loss)	56	64	67	37	56	56	66	72
Net Income / (Loss) Continuing Operations	56	64	67	37	56	56	66	72
Total Pre-Tax Income	57	65	72	50	77	76	89	97
Total Revenue	154	161	167	152	160	181	227	224
Net Interest Income / (Expense)	121	129	134	118	122	146	191	189
Total Interest Income	128	137	144	124	128	153	229	252
Loans and Leases Interest Income	104	111	120	105	106	123	195	215
Investment Securities Interest Income	22	24	21	18	21	28	30	28
Deposits and Money Market Investments Interest Income	1.66	1.72	2.95	0.94	0.53	1.54	3.02	8.27
Other Interest Income	0.05	0.07	0.06	0.06	0.06	0.23	0.81	0.66
Total Interest Expense	6.60	7.99	9.94	6.46	5.82	7.18	38	63
Deposits Interest Expense	4.96	5.89	7.93	4.22	2.47	2.51	25	56
Long-Term Debt Interest Expense	1.59	2.06	1.93	2.19	3.31	4.63	13	6.21
Federal Funds Purchased and Securities Sold Interest Expense	0.05	0.05	0.07	0.05	0.03	0.04	0.26	0.59
Total Non-Interest Income	33	31	33	34	37	35	36	36
Other Service Charges	8.37	6.82	7.25	6.79	5.86	4.98	7.78	7.63
Net Realized & Unrealized Capital Gains on Investments	1.37	-0.34	5.27	8.94	5.54	0.87	0.53	-2.76
Other Non-Interest Income	23	25	20	19	26	29	28	31
Provision for Credit Losses	3.14	5.70	3.40	11	-8.08	-0.71	7.57	3.03
Total Non-Interest Expense	94	90	91	92	91	105	131	124
Salaries and Employee Benefits	57	56	59	58	55	60	77	76
Net Occupancy & Equipment Expense	16	16	15	16	17	18	25	23
Marketing Expense	4.52	4.21	3.87	3.48	3.38	3.80	5.04	4.32
Property & Liability Insurance Claims	0.96	0.94	0.20	0.71	1.04	1.16	2.28	2.25
Insurance Policy Acquisition Costs	-	-	2.63	1.76	1.32	1.05	1.40	2.06
Other Operating Expenses	14	12	8.76	11	12	21	17	13
Amortization Expense	1.92	1.56	1.42	1.23	1.05	0.87	2.67	2.84
Income Tax Expense	0.87	0.87	5.26	13	20	20	23	26
Basic Earnings per Share	$3.10	$3.54	$3.33	$1.34	$2.02	$1.95	$2.08	$2.27
Weighted Average Basic Shares Outstanding	18.07M	18.05M	20.09M	27.46M	27.80M	28.85M	31.63M	31.59M
Diluted Earnings per Share	$3.10	$3.54	$3.33	$1.34	$2.02	$1.95	$2.07	$2.26
Weighted Average Diluted Shares Outstanding	18.07M	18.05M	20.09M	27.46M	27.80M	32.15M	31.64M	31.56M
Weighted Average Basic & Diluted Shares Outstanding	18.07M	18.05M	20.09M	27.46M	27.80M	32.15M	31.64M	31.56M
Cash Dividends to Common per Share	$3.16	$2.36	$12.48	$0.60	$0.60	$0.64	$0.68	$0.76

This table shows HBT Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Income / (Loss) Attributable to Common Shareholders	16	13	9.21	18	20	18	15	18	18	20	19
Consolidated Net Income / (Loss)	16	13	9.21	18	20	18	15	18	18	20	19
Net Income / (Loss) Continuing Operations	16	13	9.21	18	20	18	15	18	18	20	19
Total Pre-Tax Income	21	18	12	25	27	25	21	25	25	27	26
Total Revenue	46	50	54	59	58	56	52	57	56	59	58
Net Interest Income / (Expense)	37	42	47	49	48	47	47	47	48	47	49
Total Interest Income	39	45	52	57	59	61	62	63	64	63	63
Loans and Leases Interest Income	31	37	43	48	51	53	53	53	55	54	55
Investment Securities Interest Income	7.84	7.47	7.81	7.68	7.38	7.10	6.80	6.91	6.96	7.19	7.41
Deposits and Money Market Investments Interest Income	0.46	0.50	0.74	0.78	0.71	0.79	1.95	2.57	2.23	1.52	1.07
Other Interest Income	0.02	0.18	0.12	0.12	0.24	0.34	0.19	0.07	0.15	0.30	0.13
Total Interest Expense	1.62	2.77	4.94	7.90	11	14	15	16	16	15	14
Deposits Interest Expense	0.59	0.85	2.37	4.32	7.21	11	14	14	15	14	13
Long-Term Debt Interest Expense	1.03	1.91	2.53	3.54	3.52	2.95	1.53	1.53	1.60	1.55	1.47
Federal Funds Purchased and Securities Sold Interest Expense	0.01	0.01	0.04	0.03	0.04	0.15	0.15	0.13	0.13	0.18	0.02
Total Non-Interest Income	8.23	7.89	7.44	9.91	9.49	9.21	5.63	9.61	8.71	12	9.31
Other Service Charges	1.30	1.19	1.84	2.13	1.91	1.90	2.00	1.81	1.97	1.85	1.79
Net Realized & Unrealized Capital Gains on Investments	-0.01	0.12	-0.76	0.39	0.22	0.69	-3.65	0.32	0.55	0.02	0.33
Other Non-Interest Income	6.95	6.58	6.36	7.39	7.36	6.62	7.28	7.48	6.19	9.76	7.19
Provision for Credit Losses	0.39	-0.65	6.21	-0.23	0.48	1.11	0.53	1.18	0.60	0.73	0.58
Total Non-Interest Expense	24	33	36	34	31	30	31	31	31	31	32
Salaries and Employee Benefits	15	15	22	19	18	18	19	19	19	18	20
Net Occupancy & Equipment Expense	4.28	4.69	7.08	6.48	5.82	5.68	6.06	5.40	5.78	6.23	5.79
Marketing Expense	0.88	0.87	0.84	1.36	1.68	1.17	1.00	1.00	1.38	0.95	1.14
Property & Liability Insurance Claims	0.30	0.28	0.56	0.63	0.51	0.58	0.56	0.57	0.57	0.56	0.56
Insurance Policy Acquisition Costs	0.34	0.28	0.28	0.35	0.35	0.43	0.45	0.48	0.48	0.65	0.38
Other Operating Expenses	3.44	11	4.92	5.07	3.33	3.70	3.03	3.14	3.08	3.38	3.03
Amortization Expense	0.24	0.14	0.51	0.72	0.72	0.72	0.71	0.71	0.71	0.71	0.70
Income Tax Expense	5.61	4.48	2.92	6.57	6.90	6.34	5.26	6.88	6.33	7.13	6.43
Basic Earnings per Share	$0.54	$0.45	$0.30	$0.58	$0.62	$0.58	$0.48	$0.57	$0.58	$0.64	$0.60
Weighted Average Basic Shares Outstanding	28.79M	28.85M	30.98M	31.98M	31.83M	31.63M	31.66M	31.58M	31.56M	31.59M	31.58M
Diluted Earnings per Share	$0.54	$0.45	$0.30	$0.58	$0.62	$0.57	$0.48	$0.57	$0.57	$0.64	$0.60
Weighted Average Diluted Shares Outstanding	28.75M	32.15M	32.04M	31.85M	31.71M	31.64M	31.59M	31.56M	31.56M	31.56M	31.50M
Weighted Average Basic & Diluted Shares Outstanding	28.75M	32.15M	32.04M	31.85M	31.71M	31.64M	31.59M	31.56M	31.56M	31.56M	31.50M
Cash Dividends to Common per Share	$0.16	-	$0.17	$0.17	$0.17	-	$0.19	$0.19	$0.19	-	$0.21

This table details how cash moves in and out of HBT Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Net Change in Cash & Equivalents	-73	21	97	28	97	-295	27	-3.56
Net Cash From Operating Activities	72	80	89	31	43	73	66	89
Net Cash From Continuing Operating Activities	72	80	89	31	43	73	66	89
Net Income / (Loss) Continuing Operations	56	64	67	37	56	56	66	72
Consolidated Net Income / (Loss)	56	64	67	37	56	56	66	72
Provision For Loan Losses	-	5.70	3.40	11	-8.08	-0.71	7.57	3.03
Depreciation Expense	3.29	3.22	2.71	2.94	3.07	3.04	3.11	2.94
Amortization Expense	7.90	6.67	1.15	1.40	-4.37	7.79	8.52	6.91
Non-Cash Adjustments to Reconcile Net Income	3.71	-0.33	-3.44	-7.75	12	-3.54	1.06	0.59
Changes in Operating Assets and Liabilities, net	1.08	0.94	18	-13	-16	9.54	-20	4.12
Net Cash From Investing Activities	-90	65	115	-380	-350	-335	133	32
Net Cash From Continuing Investing Activities	-90	65	115	-380	-350	-335	133	32
Purchase of Investment Securities	-379	-223	-93	-606	-570	-493	-188	-168
Sale of Property, Leasehold Improvements and Equipment	0.12	2.26	1.22	0.00	0.02	1.37	0.57	0.00
Sale and/or Maturity of Investments	289	286	207	225	220	156	320	200
Net Cash From Financing Activities	-55	-124	-107	378	403	-33	-171	-125
Net Cash From Continuing Financing Activities	-55	-124	-107	378	403	-33	-171	-125
Net Change in Deposits	-22	-60	-19	354	426	-151	94	-83
Issuance of Debt	29	0.00	0.00	39	0.00	160	0.00	0.91
Repayment of Debt	-4.00	-29	0.00	0.00	-13	0.00	-234	-0.70
Repurchase of Common Equity	0.00	-0.91	0.00	0.00	-4.91	-4.78	-8.91	-4.42
Payment of Dividends	-57	-43	-225	-17	-17	-19	-22	-24
Other Financing Activities, Net	-1.24	8.36	-1.76	1.30	11	-18	-0.82	-14
Cash Interest Paid	6.65	7.83	10	6.44	5.93	6.86	33	65
Cash Income Taxes Paid	0.89	0.85	0.88	17	21	20	21	24

This table details how cash moves in and out of HBT Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Net Change in Cash & Equivalents	-82	36	63	-67	2.11	29	119	-65	-16	-42	74
Net Cash From Operating Activities	18	23	21	15	17	13	27	20	26	17	30
Net Cash From Continuing Operating Activities	18	23	21	15	17	13	27	20	26	17	30
Net Income / (Loss) Continuing Operations	16	13	9.21	18	20	18	15	18	18	20	19
Consolidated Net Income / (Loss)	16	13	9.21	18	20	18	15	18	18	20	19
Provision For Loan Losses	0.39	-0.65	6.21	-0.23	0.48	1.11	0.53	1.18	0.60	0.73	0.58
Depreciation Expense	0.76	0.75	0.79	0.82	0.75	0.75	0.73	0.73	0.75	0.74	0.76
Amortization Expense	5.23	1.77	0.39	0.47	5.54	2.13	1.85	1.78	1.70	1.57	1.57
Non-Cash Adjustments to Reconcile Net Income	-1.33	-1.30	-1.80	-1.54	2.49	1.92	2.51	1.07	-2.61	-0.38	-1.59
Changes in Operating Assets and Liabilities, net	-2.37	9.77	6.69	-3.34	-12	-11	5.89	-3.03	6.90	-5.64	10
Net Cash From Investing Activities	-93	-21	225	-33	-31	-29	153	-34	3.61	-90	17
Net Cash From Continuing Investing Activities	-93	-21	225	-33	-31	-29	153	-34	3.61	-90	17
Purchase of Investment Securities	-95	-47	-19	-49	-55	-65	54	-25	2.30	-135	-35
Sale of Property, Leasehold Improvements and Equipment	0.01	0.07	0.01	0.45	0.07	0.04	0.00	-	-	0.00	0.19
Sale and/or Maturity of Investments	2.62	25	244	16	24	37	99	-9.52	1.31	45	52
Net Cash From Financing Activities	-7.54	34	-184	-49	17	45	-61	-51	-45	31	27
Net Cash From Continuing Financing Activities	-7.54	34	-184	-49	17	45	-61	-51	-45	31	27
Net Change in Deposits	-59	-56	3.19	-146	34	203	-41	-42	-38	38	66
Issuance of Debt	-	100	-	-	-	-	0.00	-	-	-	1.80
Repayment of Debt	-	-	-171	102	-0.03	-165	0.00	-	-0.40	-0.30	-7.89
Repurchase of Common Equity	-1.43	-	-1.59	-4.19	-1.71	-1.42	-3.41	-1.01	-	-	0.00
Payment of Dividends	-4.64	-4.63	-5.51	-5.48	-5.44	-5.45	-6.07	-6.04	-6.03	-6.04	-6.67
Other Financing Activities, Net	-2.96	-5.05	-8.34	3.81	-9.83	14	-11	-2.53	-0.30	-0.06	-27
Cash Interest Paid	1.99	2.01	4.90	6.91	9.97	11	16	15	17	17	15
Cash Income Taxes Paid	5.96	6.23	0.00	9.00	6.87	4.65	-0.75	11	7.53	6.55	0.00

This table presents HBT Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Total Assets	3,250	3,245	3,667	4,314	4,287	5,073	5,033
Cash and Due from Banks	21	22	25	23	19	26	30
Interest Bearing Deposits at Other Banks	166	262	288	386	95	115	108
Trading Account Securities	805	685	996	1,284	1,390	1,287	1,204
Loans and Leases, Net of Allowance	0.00	0.00	2,215	2,476	2,595	3,364	3,424
Loans and Leases	-	-	2,247	2,500	2,620	3,404	3,466
Allowance for Loan and Lease Losses	-	-	32	24	25	40	42
Loans Held for Sale	2,127	2,146	15	2,481	0.62	2.32	1.59
Premises and Equipment, Net	55	54	53	52	50	65	67
Goodwill	24	24	24	29	29	60	60
Intangible Assets	5.45	4.03	2.80	1.94	1.07	21	18
Other Assets	48	48	49	56	106	132	121
Total Liabilities & Shareholders' Equity	3,250	3,245	3,667	4,314	4,287	5,073	5,033
Total Liabilities	2,909	2,912	3,303	3,902	3,913	4,584	4,488
Non-Interest Bearing Deposits	665	689	883	1,088	995	1,072	1,046
Interest Bearing Deposits	2,131	2,088	2,248	2,651	2,592	3,329	3,272
Short-Term Debt	46	44	46	61	43	42	29
Long-Term Debt	38	38	77	77	237	105	106
Other Long-Term Liabilities	29	53	49	26	46	35	35
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	340	333	364	412	374	489	545
Total Preferred & Common Equity	340	333	364	412	374	489	545
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	340	333	364	412	374	489	545
Common Stock	32	191	191	221	223	296	298
Retained Earnings	315	134	155	194	232	269	317
Treasury Stock	-3.02	-	0.00	-4.91	-9.69	-19	-23
Accumulated Other Comprehensive Income / (Loss)	-4.29	7.83	18	1.47	-72	-57	-47

This table presents HBT Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric	Q2 2022	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025
Period end date	6/30/2022	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025
Total Assets	4,224	4,213	5,014	4,976	4,992	5,041	5,006	4,991	5,092
Cash and Due from Banks	25	22	35	28	25	20	23	27	25
Interest Bearing Deposits at Other Banks	135	56	142	82	87	240	173	153	187
Trading Account Securities	1,478	1,405	1,396	1,361	1,286	1,192	1,187	1,221	1,202
Loans and Leases, Net of Allowance	2,427	2,555	3,157	3,207	3,304	3,305	3,345	3,329	3,420
Loans and Leases	2,452	2,580	-	3,245	3,343	3,346	3,385	3,370	3,462
Allowance for Loan and Lease Losses	25	25	-3,157	38	39	41	41	41	42
Loans Held for Sale	5.31	2.30	5.13	8.83	3.56	3.48	0.86	2.96	2.72
Premises and Equipment, Net	51	51	65	65	65	65	66	66	67
Goodwill	29	29	60	60	60	60	60	60	60
Intangible Assets	1.45	1.21	23	22	21	20	19	19	17
Other Assets	71	91	3,287	142	140	134	133	114	111
Total Liabilities & Shareholders' Equity	4,224	4,213	5,014	4,976	4,992	5,041	5,006	4,991	5,092
Total Liabilities	3,850	3,854	4,564	4,525	4,536	4,544	4,497	4,453	4,527
Non-Interest Bearing Deposits	1,029	1,018	1,219	1,126	1,087	1,047	1,046	1,008	1,066
Interest Bearing Deposits	2,673	2,626	3,092	3,039	3,111	3,314	3,273	3,272	3,319
Short-Term Debt	51	48	35	39	29	32	29	29	2.70
Long-Term Debt	77	137	167	270	270	105	106	106	100
Other Long-Term Liabilities	20	26	51	52	39	46	43	38	40
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	374	359	450	451	456	497	509	538	565
Total Preferred & Common Equity	374	359	450	451	456	497	509	538	565
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	374	359	450	451	456	497	509	538	565
Common Stock	222	223	295	295	296	296	297	297	297
Retained Earnings	213	223	229	242	256	278	290	303	329
Treasury Stock	-8.26	-9.69	-11	-15	-17	-22	-23	-23	-23
Accumulated Other Comprehensive Income / (Loss)	-53	-77	-62	-71	-78	-56	-55	-39	-38

This table displays calculated financial ratios and metrics derived from HBT Financial's official financial filings.

Metric	2017	2018	2019	2020	2021	2022	2023	2024
Period end date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024
Growth Metrics	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	4.22%	3.65%	-8.70%	5.04%	13.06%	25.76%	-1.19%
EBITDA Growth	0.00%	9.37%	1.90%	-29.03%	39.60%	15.62%	15.14%	7.02%
EBIT Growth	0.00%	13.51%	11.53%	-31.26%	54.44%	-0.49%	16.26%	9.94%
NOPAT Growth	0.00%	13.72%	4.81%	-44.90%	52.72%	0.33%	16.63%	9.02%
Net Income Growth	0.00%	13.72%	4.81%	-44.90%	52.72%	0.33%	16.63%	9.02%
EPS Growth	0.00%	14.19%	-5.93%	-59.76%	50.75%	-3.47%	6.15%	9.18%
Operating Cash Flow Growth	0.00%	10.98%	11.37%	-64.92%	37.65%	68.71%	-9.31%	35.76%
Free Cash Flow Firm Growth	0.00%	0.00%	121.10%	-145.71%	78.83%	-542.45%	275.41%	-64.54%
Invested Capital Growth	0.00%	0.00%	-2.16%	17.26%	13.08%	18.85%	-2.61%	6.66%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	1.51%	24.34%	4.55%	2.81%	1.24%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	2.36%	44.47%	14.71%	8.12%	9.47%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	2.61%	67.38%	-1.37%	8.81%	2.75%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	-8.55%	1.72%	-0.80%	8.77%	2.61%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	-8.55%	1.72%	-0.80%	8.77%	2.61%
EPS Q/Q Growth	0.00%	0.00%	0.00%	-3.60%	0.50%	-1.02%	6.15%	3.20%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	10.10%	16.97%	-31.74%	10.93%	-13.75%	5.05%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	-125.26%	-389.24%	155.22%	-80.72%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	1.88%	9.21%	20.12%	-15.66%	1.00%
Profitability Metrics	-	-	-	-	-	-	-	-
EBITDA Margin	44.22%	46.40%	45.62%	35.46%	47.12%	48.19%	44.12%	47.78%
EBIT Margin	36.95%	40.25%	43.30%	32.60%	47.93%	42.19%	39.00%	43.39%
Profit (Net Income) Margin	36.39%	39.71%	40.15%	24.23%	35.23%	31.26%	28.99%	31.98%
Tax Burden Percent	98.47%	98.66%	92.71%	74.32%	73.50%	74.10%	74.33%	73.71%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	1.53%	1.34%	7.29%	25.68%	26.50%	25.90%	25.67%	26.29%
Return on Invested Capital (ROIC)	0.00%	30.09%	15.94%	8.17%	10.86%	9.38%	10.20%	10.91%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	30.09%	15.94%	8.17%	10.86%	9.38%	10.20%	10.91%
Return on Net Nonoperating Assets (RNNOA)	0.00%	7.40%	3.92%	2.40%	3.65%	5.00%	5.05%	2.97%
Return on Equity (ROE)	0.00%	37.49%	19.86%	10.58%	14.51%	14.37%	15.26%	13.88%
Cash Return on Invested Capital (CROIC)	0.00%	-169.91%	18.13%	-7.71%	-1.42%	-7.85%	12.85%	4.47%
Operating Return on Assets (OROA)	0.00%	1.99%	2.22%	1.43%	1.92%	1.77%	1.89%	1.93%
Return on Assets (ROA)	0.00%	1.96%	2.06%	1.07%	1.41%	1.31%	1.41%	1.42%
Return on Common Equity (ROCE)	0.00%	37.49%	19.86%	10.58%	14.51%	14.37%	15.26%	13.88%
Return on Equity Simple (ROE_SIMPLE)	0.00%	18.74%	20.08%	10.12%	13.66%	15.11%	13.45%	13.18%
Net Operating Profit after Tax (NOPAT)	56	64	67	37	56	56	66	72
NOPAT Margin	36.39%	39.71%	40.15%	24.23%	35.23%	31.26%	28.99%	31.98%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	50.21%	47.10%	46.84%	50.88%	47.36%	45.12%	47.37%	46.44%
Operating Expenses to Revenue	61.01%	56.21%	54.65%	60.47%	57.12%	58.20%	57.66%	55.26%
Earnings before Interest and Taxes (EBIT)	57	65	72	50	77	76	89	97
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	68	75	76	54	75	87	100	107
Valuation Ratios	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.39	1.31	1.00	1.20	1.39	1.31	1.26
Price to Tangible Book Value (P/TBV)	0.00	0.43	1.43	1.08	1.30	1.51	1.56	1.47
Price to Revenue (P/Rev)	0.86	0.83	2.62	2.39	3.09	2.87	2.81	3.05
Price to Earnings (P/E)	2.37	2.08	6.53	9.88	8.77	9.19	9.70	9.54
Dividend Yield	0.00%	0.00%	0.00%	4.52%	3.53%	3.55%	3.37%	3.50%
Earnings Yield	42.25%	48.04%	15.31%	10.12%	11.40%	10.89%	10.31%	10.48%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.07	0.56	0.36	0.40	1.05	1.01	1.00
Enterprise Value to Revenue (EV/Rev)	0.00	0.18	1.41	1.15	1.39	3.79	2.84	3.04
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.39	3.09	3.23	2.95	7.87	6.44	6.36
Enterprise Value to EBIT (EV/EBIT)	0.00	0.45	3.25	3.52	2.90	8.99	7.28	7.00
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.46	3.51	4.73	3.94	12.13	9.80	9.50
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.37	2.63	5.58	5.16	9.43	9.80	7.63
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	3.08	0.00	0.00	0.00	7.78	23.20
Leverage & Solvency	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.25	0.25	0.34	0.34	0.75	0.30	0.25
Long-Term Debt to Equity	0.00	0.11	0.11	0.21	0.19	0.63	0.21	0.19
Financial Leverage	0.00	0.25	0.25	0.29	0.34	0.53	0.50	0.27
Leverage Ratio	0.00	9.55	9.65	9.92	10.29	10.95	10.84	9.77
Compound Leverage Factor	0.00	9.55	9.65	9.92	10.29	10.95	10.84	9.77
Debt to Total Capital	0.00%	19.74%	19.77%	25.20%	25.14%	42.86%	23.13%	19.82%
Short-Term Debt to Total Capital	0.00%	10.89%	10.71%	9.40%	11.13%	6.59%	6.66%	4.27%
Long-Term Debt to Total Capital	0.00%	8.85%	9.06%	15.80%	14.00%	36.27%	16.47%	15.55%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	0.00%	80.26%	80.23%	74.80%	74.86%	57.14%	76.87%	80.18%
Debt to EBITDA	0.00	1.12	1.08	2.27	1.84	3.22	1.47	1.26
Net Debt to EBITDA	0.00	-1.39	-2.66	-3.52	-3.61	1.91	0.06	-0.03
Long-Term Debt to EBITDA	0.00	0.50	0.49	1.43	1.02	2.73	1.05	0.99
Debt to NOPAT	0.00	1.31	1.23	3.33	2.46	4.96	2.24	1.88
Net Debt to NOPAT	0.00	-1.62	-3.02	-5.15	-4.82	2.94	0.09	-0.04
Long-Term Debt to NOPAT	0.00	0.59	0.56	2.09	1.37	4.20	1.59	1.47
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	0.00	-360	76	-35	-7.36	-47	83	29
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	625,100.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	0.00	-45.10	7.65	-5.38	-1.26	-6.58	2.19	0.47
Operating Cash Flow to Interest Expense	10.93	10.01	8.97	4.84	7.39	10.11	1.74	1.42
Operating Cash Flow Less CapEx to Interest Expense	10.95	10.29	9.09	4.84	7.40	10.30	1.75	1.42
Efficiency Ratios	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.05	0.05	0.04	0.04	0.04	0.05	0.04
Fixed Asset Turnover	0.00	2.94	3.06	2.85	3.03	3.51	3.93	3.40
Capital & Investment Metrics	-	-	-	-	-	-	-	-
Invested Capital	0.00	424	415	487	550	654	637	679
Invested Capital Turnover	0.00	0.76	0.40	0.34	0.31	0.30	0.35	0.34
Increase / (Decrease) in Invested Capital	0.00	424	-9.17	72	64	104	-17	42
Enterprise Value (EV)	0.00	29	234	174	222	685	645	682
Market Capitalization	133	133	437	364	493	519	639	685
Book Value per Share	$0.00	$18.86	$12.12	$13.25	$14.18	$12.99	$15.44	$17.26
Tangible Book Value per Share	$0.00	$17.25	$11.12	$12.29	$13.10	$11.94	$12.90	$14.80
Total Capital	0.00	424	415	487	550	654	637	679
Total Debt	0.00	84	82	123	138	280	147	135
Total Long-Term Debt	0.00	38	38	77	77	237	105	106
Net Debt	0.00	-103	-202	-190	-271	166	6.08	-3.09
Capital Expenditures (CapEx)	-0.12	-2.26	-1.17	0.01	-0.02	-1.37	-0.57	-0.00
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	0.00	84	82	123	138	280	147	135
Total Depreciation and Amortization (D&A)	11	9.89	3.86	4.34	-1.29	11	12	9.86
Earnings Adjustments	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$3.33	$1.34	$2.02	$1.95	$2.08	$2.27
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	27.46M	27.41M	28.99M	28.85M	31.63M	31.59M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$3.33	$1.34	$2.02	$1.95	$2.07	$2.26
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	27.46M	27.41M	28.99M	28.92M	31.64M	31.56M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	20.09M	27.46M	27.80M	32.15M	31.64M	31.56M
Normalized Net Operating Profit after Tax (NOPAT)	56	64	67	37	56	56	66	72
Normalized NOPAT Margin	36.39%	39.71%	40.15%	24.23%	35.23%	31.26%	28.99%	31.98%
Pre Tax Income Margin	36.95%	40.25%	43.30%	32.60%	47.93%	42.19%	39.00%	43.39%
Debt Service Ratios	-	-	-	-	-	-	-	-
EBIT to Interest Expense	8.64	8.09	7.26	7.67	13.16	10.61	2.34	1.55
NOPAT to Interest Expense	8.51	7.98	6.73	5.70	9.67	7.86	1.74	1.14
EBIT Less CapEx to Interest Expense	8.66	8.38	7.38	7.67	13.16	10.80	2.35	1.55
NOPAT Less CapEx to Interest Expense	8.53	8.27	6.85	5.70	9.67	8.05	1.75	1.14
Payout Ratios	-	-	-	-	-	-	-	-
Dividend Payout Ratio	101.72%	66.81%	336.43%	44.83%	29.77%	32.92%	33.22%	33.69%
Augmented Payout Ratio	101.72%	68.23%	336.43%	44.83%	38.49%	41.39%	46.75%	39.85%

This table displays calculated financial ratios and metrics derived from HBT Financial's official financial filings.

Metric	Q3 2022	Q4 2022	Q1 2023	Q2 2023	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025
Period end date	9/30/2022	12/31/2022	3/31/2023	6/30/2023	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	16.66%	18.62%	29.31%	36.95%	26.62%	12.42%	-3.61%	-3.65%	-2.30%	4.87%	10.90%
EBITDA Growth	1.63%	124.41%	-31.82%	30.78%	20.82%	37.38%	73.52%	4.34%	-18.06%	7.39%	20.48%
EBIT Growth	14.15%	-5.68%	-34.06%	32.24%	25.32%	40.73%	69.15%	-0.36%	-7.91%	10.52%	24.29%
NOPAT Growth	13.94%	-3.34%	-32.31%	31.15%	26.16%	40.38%	65.70%	-2.18%	-7.79%	9.90%	25.02%
Net Income Growth	13.94%	-3.34%	-32.31%	31.15%	26.16%	40.38%	65.70%	-2.18%	-7.79%	9.90%	25.02%
EPS Growth	8.00%	-4.26%	-36.17%	18.37%	14.81%	26.67%	60.00%	-1.72%	-8.06%	12.28%	25.00%
Operating Cash Flow Growth	494.13%	43.81%	1.18%	53.21%	-8.72%	-44.71%	24.58%	35.22%	52.68%	33.12%	13.70%
Free Cash Flow Firm Growth	-99.92%	-81.04%	-524.63%	-2,757.09%	-665.66%	139.20%	125.78%	155.49%	152.74%	-162.27%	-143.34%
Invested Capital Growth	8.05%	18.85%	27.65%	51.26%	38.70%	-2.61%	-2.88%	-15.08%	-10.93%	6.66%	5.34%
Revenue Q/Q Growth	6.29%	9.75%	8.39%	8.31%	-1.73%	-2.56%	-7.06%	8.27%	-0.35%	4.59%	-1.72%
EBITDA Q/Q Growth	35.31%	-26.07%	-33.88%	97.74%	25.00%	-15.93%	13.05%	18.90%	-1.84%	10.18%	-6.31%
EBIT Q/Q Growth	12.16%	-17.07%	-31.13%	106.44%	6.29%	-6.87%	-17.23%	21.61%	-1.76%	11.77%	-6.92%
NOPAT Q/Q Growth	10.95%	-15.91%	-29.92%	100.62%	6.72%	-6.44%	-17.28%	18.43%	0.61%	11.51%	-5.90%
Net Income Q/Q Growth	10.95%	-15.91%	-29.92%	100.62%	6.72%	-6.44%	-17.28%	18.43%	0.61%	11.51%	-5.90%
EPS Q/Q Growth	10.20%	-16.67%	-33.33%	93.33%	6.90%	-8.06%	-15.79%	18.75%	0.00%	12.28%	-6.25%
Operating Cash Flow Q/Q Growth	91.62%	28.23%	-8.48%	-31.87%	14.17%	-22.33%	106.21%	-26.05%	28.91%	-32.28%	76.13%
Free Cash Flow Firm Q/Q Growth	-377.44%	-263.17%	-45.83%	-80.83%	20.05%	118.59%	-4.11%	289.27%	-24.02%	-121.95%	33.25%
Invested Capital Q/Q Growth	8.43%	20.12%	-0.23%	16.40%	-0.57%	-15.66%	-0.51%	1.78%	4.28%	1.00%	-1.74%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	59.70%	40.21%	24.53%	44.78%	56.96%	49.14%	44.16%	48.50%	47.77%	50.33%	47.97%
EBIT Margin	46.55%	35.18%	22.35%	42.60%	46.08%	44.04%	39.22%	44.06%	43.43%	46.41%	43.96%
Profit (Net Income) Margin	34.25%	26.24%	16.97%	31.42%	34.13%	32.77%	29.17%	31.90%	32.21%	34.34%	32.88%
Tax Burden Percent	73.57%	74.60%	75.90%	73.77%	74.07%	74.41%	74.36%	72.42%	74.16%	73.99%	74.80%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	26.43%	25.40%	24.10%	26.23%	25.93%	25.59%	25.64%	27.58%	25.84%	26.01%	25.20%
Return on Invested Capital (ROIC)	11.29%	7.87%	5.63%	10.40%	11.60%	11.53%	10.21%	10.13%	10.00%	11.71%	11.63%
ROIC Less NNEP Spread (ROIC-NNEP)	11.29%	7.87%	5.63%	10.40%	11.60%	11.53%	10.21%	10.13%	10.00%	11.71%	11.63%
Return on Net Nonoperating Assets (RNNOA)	4.75%	4.19%	2.23%	5.51%	6.89%	5.71%	3.66%	4.68%	4.36%	3.19%	2.62%
Return on Equity (ROE)	16.04%	12.07%	7.86%	15.91%	18.49%	17.25%	13.87%	14.82%	14.37%	14.91%	14.25%
Cash Return on Invested Capital (CROIC)	3.12%	-7.85%	-15.34%	-31.85%	-23.11%	12.85%	14.10%	26.49%	21.36%	4.47%	6.42%
Operating Return on Assets (OROA)	1.97%	1.48%	0.92%	1.93%	2.21%	2.14%	1.76%	1.97%	1.93%	2.06%	2.00%
Return on Assets (ROA)	1.45%	1.10%	0.70%	1.43%	1.64%	1.59%	1.31%	1.43%	1.43%	1.53%	1.49%
Return on Common Equity (ROCE)	16.04%	12.07%	7.86%	15.91%	18.49%	17.25%	13.87%	14.82%	14.37%	14.91%	14.25%
Return on Equity Simple (ROE_SIMPLE)	15.85%	0.00%	11.57%	12.52%	13.27%	0.00%	14.47%	14.03%	13.01%	0.00%	13.38%
Net Operating Profit after Tax (NOPAT)	16	13	9.21	18	20	18	15	18	18	20	19
NOPAT Margin	34.25%	26.24%	16.97%	31.42%	34.13%	32.77%	29.17%	31.90%	32.21%	34.34%	32.88%
Net Nonoperating Expense Percent (NNEP)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
SG&A Expenses to Revenue	43.14%	41.87%	54.66%	46.27%	44.59%	44.35%	50.68%	45.23%	46.92%	43.39%	47.00%
Operating Expenses to Revenue	52.60%	66.12%	66.21%	57.79%	53.09%	53.98%	59.77%	53.87%	55.50%	52.36%	55.05%
Earnings before Interest and Taxes (EBIT)	21	18	12	25	27	25	21	25	25	27	26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	27	20	13	26	33	28	23	27	27	30	28
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.36	1.39	1.33	1.25	1.23	1.31	1.19	1.25	1.28	1.26	1.25
Price to Tangible Book Value (P/TBV)	1.48	1.51	1.63	1.53	1.49	1.56	1.42	1.49	1.50	1.47	1.45
Price to Revenue (P/Rev)	2.82	2.87	3.11	2.70	2.53	2.81	2.63	2.87	3.11	3.05	3.07
Price to Earnings (P/E)	8.55	9.19	11.51	9.99	9.24	9.70	8.22	8.94	9.87	9.54	9.36
Dividend Yield	3.73%	3.55%	3.49%	3.75%	3.82%	3.37%	3.75%	3.56%	3.38%	3.50%	3.48%
Earnings Yield	11.69%	10.89%	8.69%	10.01%	10.82%	10.31%	12.16%	11.18%	10.13%	10.48%	10.69%
Enterprise Value to Invested Capital (EV/IC)	1.09	1.05	0.96	1.00	0.99	1.01	0.74	0.90	0.96	1.00	0.90
Enterprise Value to Revenue (EV/Rev)	3.44	3.79	3.24	3.65	3.38	2.84	2.08	2.60	2.91	3.04	2.60
Enterprise Value to EBITDA (EV/EBITDA)	7.83	7.87	7.72	8.77	8.05	6.44	4.55	5.58	6.59	6.36	5.34
Enterprise Value to EBIT (EV/EBIT)	7.69	8.99	8.93	10.03	9.17	7.28	4.82	5.98	6.81	7.00	5.84
Enterprise Value to NOPAT (EV/NOPAT)	10.43	12.13	11.99	13.51	12.33	9.80	6.51	8.10	9.23	9.50	7.91
Enterprise Value to Operating Cash Flow (EV/OCF)	9.08	9.43	8.57	9.79	9.78	9.80	6.58	7.60	7.59	7.63	6.43
Enterprise Value to Free Cash Flow (EV/FCFF)	36.34	0.00	0.00	0.00	0.00	7.78	5.16	3.12	4.23	23.20	14.32
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.52	0.75	0.45	0.68	0.65	0.30	0.28	0.27	0.25	0.25	0.18
Long-Term Debt to Equity	0.38	0.63	0.37	0.60	0.59	0.21	0.21	0.21	0.20	0.19	0.18
Financial Leverage	0.42	0.53	0.40	0.53	0.59	0.50	0.36	0.46	0.44	0.27	0.23
Leverage Ratio	11.06	10.95	11.24	11.16	11.29	10.84	10.62	10.39	10.04	9.77	9.54
Compound Leverage Factor	11.06	10.95	11.24	11.16	11.29	10.84	10.62	10.39	10.04	9.77	9.54
Debt to Total Capital	34.04%	42.86%	31.00%	40.63%	39.57%	23.13%	21.61%	21.00%	20.05%	19.82%	15.33%
Short-Term Debt to Total Capital	8.84%	6.59%	5.35%	5.10%	3.83%	6.66%	5.03%	4.55%	4.32%	4.27%	0.40%
Long-Term Debt to Total Capital	25.19%	36.27%	25.65%	35.53%	35.74%	16.47%	16.58%	16.45%	15.73%	15.55%	14.93%
Preferred Equity to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Noncontrolling Interests to Total Capital	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Common Equity to Total Capital	65.96%	57.14%	69.00%	59.37%	60.43%	76.87%	78.39%	79.00%	79.95%	80.18%	84.67%
Debt to EBITDA	2.44	3.22	2.50	3.55	3.22	1.47	1.33	1.30	1.38	1.26	0.91
Net Debt to EBITDA	1.41	1.91	0.31	2.28	2.02	0.06	-1.20	-0.58	-0.46	-0.03	-0.98
Long-Term Debt to EBITDA	1.81	2.73	2.07	3.10	2.91	1.05	1.02	1.02	1.08	0.99	0.89
Debt to NOPAT	3.26	4.96	3.89	5.47	4.94	2.24	1.90	1.89	1.93	1.88	1.35
Net Debt to NOPAT	1.88	2.94	0.48	3.52	3.09	0.09	-1.72	-0.84	-0.64	-0.04	-1.45
Long-Term Debt to NOPAT	2.41	4.20	3.21	4.78	4.46	1.59	1.46	1.48	1.51	1.47	1.32
Noncontrolling Interest Sharing Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Liquidity Ratios	-	-	-	-	-	-	-	-	-	-	-
Cash Flow Metrics	-	-	-	-	-	-	-	-	-	-	-
Free Cash Flow to Firm (FCFF)	-25	-91	-132	-239	-191	36	34	133	101	-22	-15
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Free Cash Flow to Firm to Interest Expense	-15.36	-32.76	-26.73	-30.25	-17.75	2.48	2.23	8.39	6.15	-1.44	-1.02
Operating Cash Flow to Interest Expense	11.28	8.49	4.35	1.85	1.55	0.91	1.75	1.25	1.56	1.12	2.11
Operating Cash Flow Less CapEx to Interest Expense	11.28	8.52	4.35	1.91	1.56	0.91	1.75	1.25	1.56	1.12	2.12
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.05
Fixed Asset Turnover	3.45	3.51	3.29	3.59	3.82	3.93	3.47	3.41	3.39	3.40	3.49
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	544	654	652	759	755	637	634	645	672	679	667
Invested Capital Turnover	0.33	0.30	0.33	0.33	0.34	0.35	0.35	0.32	0.31	0.34	0.35
Increase / (Decrease) in Invested Capital	41	104	141	257	211	-17	-19	-114	-83	42	34
Enterprise Value (EV)	594	685	624	763	746	645	468	579	646	682	598
Market Capitalization	487	519	599	564	559	639	591	639	691	685	707
Book Value per Share	$12.46	$12.99	$14.00	$14.07	$14.33	$15.44	$15.70	$16.13	$17.04	$17.26	$17.90
Tangible Book Value per Share	$11.41	$11.94	$11.43	$11.51	$11.78	$12.90	$13.17	$13.62	$14.55	$14.80	$15.47
Total Capital	544	654	652	759	755	637	634	645	672	679	667
Total Debt	185	280	202	308	299	147	137	135	135	135	102
Total Long-Term Debt	137	237	167	270	270	105	105	106	106	106	100
Net Debt	107	166	25	199	187	6.08	-123	-60	-45	-3.09	-109
Capital Expenditures (CapEx)	-0.01	-0.07	-0.01	-0.45	-0.07	-0.04	0.00	0.00	0.00	-0.00	-0.19
Net Nonoperating Expense (NNE)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Nonoperating Obligations (NNO)	185	280	202	308	299	147	137	135	135	135	102
Total Depreciation and Amortization (D&A)	6.00	2.52	1.18	1.28	6.29	2.87	2.58	2.52	2.45	2.31	2.33
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.54	$0.45	$0.30	$0.58	$0.62	$0.58	$0.48	$0.57	$0.58	$0.64	$0.60
Adjusted Weighted Average Basic Shares Outstanding	28.79M	28.85M	30.98M	31.98M	31.83M	31.63M	31.66M	31.58M	31.56M	31.59M	31.58M
Adjusted Diluted Earnings per Share	$0.54	$0.45	$0.30	$0.58	$0.62	$0.57	$0.48	$0.57	$0.57	$0.64	$0.60
Adjusted Weighted Average Diluted Shares Outstanding	28.86M	32.15M	31.05M	32.08M	31.71M	31.64M	31.59M	31.56M	31.56M	31.56M	31.50M
Adjusted Basic & Diluted Earnings per Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	28.75M	32.15M	32.04M	31.85M	31.71M	31.64M	31.59M	31.56M	31.56M	31.56M	31.50M
Normalized Net Operating Profit after Tax (NOPAT)	16	13	9.21	18	20	18	15	18	18	20	19
Normalized NOPAT Margin	34.25%	26.24%	16.97%	31.42%	34.13%	32.77%	29.17%	31.90%	32.21%	34.34%	32.88%
Pre Tax Income Margin	46.55%	35.18%	22.35%	42.60%	46.08%	44.04%	39.22%	44.06%	43.43%	46.41%	43.96%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	13.08	6.37	2.45	3.17	2.47	1.73	1.34	1.58	1.50	1.78	1.77
NOPAT to Interest Expense	9.62	4.75	1.86	2.34	1.83	1.29	1.00	1.14	1.11	1.32	1.32
EBIT Less CapEx to Interest Expense	13.08	6.39	2.46	3.23	2.48	1.73	1.34	1.58	1.50	1.78	1.78
NOPAT Less CapEx to Interest Expense	9.63	4.78	1.86	2.40	1.84	1.29	1.00	1.14	1.11	1.32	1.33
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	32.22%	32.92%	37.33%	35.88%	34.79%	33.22%	31.21%	32.17%	33.72%	33.69%	32.78%
Augmented Payout Ratio	45.16%	41.39%	47.75%	48.65%	47.16%	46.75%	46.13%	42.73%	42.07%	39.85%	34.12%

Key Financial Trends

HBT Financial’s Q1 2025 results show continued year-over-year earnings growth and solid operating cash flow, though free cash flow remains negative and expenses have risen.

Net income climbed 25% YoY to $19.08 M in Q1 2025 versus $15.26 M a year ago, reflecting stronger core profitability.
EPS rose 25% YoY to $0.60, up from $0.48 in Q1 2024, driving higher returns for common shareholders.
Total non-interest income jumped ~66% YoY to $9.31 M, boosting fee and service revenue.
Net cash from operating activities increased to $30.44 M, up from $26.77 M in Q1 2024 and $17.28 M in Q4 2024.
Book value per share expanded to $17.90, up 13.9% from $15.70 in Q1 2024.
Provision for credit losses remained low at $0.58 M, indicating stable asset quality.
Dividend yield holds at 3.48%, supporting income-oriented investors.
Valuation metrics (P/E 9.36×, P/B 1.25×) are in line with regional bank peers.
Free cash flow to the firm was negative $14.76 M, though improved from prior quarters.
Operating expenses rose, with salaries & benefits at $20.34 M versus $19.46 M in Q1 2024, putting pressure on margins.

07/19/25 05:39 PMAI Generated. May Contain Errors.

Frequently Asked Questions About HBT Financial's Financials

When does HBT Financial's fiscal year end?

According to the most recent income statement we have on file, HBT Financial's financial year ends in December. Their financial year 2024 ended on December 31, 2024.

How has HBT Financial's net income changed over the last 7 years?

HBT Financial's net income appears to be on an upward trend, with a most recent value of $71.78 million in 2024, rising from $56.10 million in 2017. The previous period was $65.84 million in 2023. See HBT Financial's forecast for analyst expectations on what’s next for the company.

How has HBT Financial's revenue changed over the last 7 years?

Over the last 7 years, HBT Financial's total revenue changed from $154.17 million in 2017 to $224.42 million in 2024, a change of 45.6%.

How much debt does HBT Financial have?

HBT Financial's total liabilities were at $4.49 billion at the end of 2024, a 2.1% decrease from 2023, and a 54.3% increase since 2018.

How much cash does HBT Financial have?

In the past 6 years, HBT Financial's cash and equivalents has ranged from $18.97 million in 2022 to $29.55 million in 2024, and is currently $29.55 million as of their latest financial filing in 2024.

How has HBT Financial's book value per share changed over the last 7 years?

Over the last 7 years, HBT Financial's book value per share changed from 0.00 in 2017 to 17.26 in 2024, a change of 1,725.7%.

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This page (NASDAQ:HBT) was last updated on 7/19/2025 by MarketBeat.com Staff

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HBT Financial (HBT) Financials

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HBT Financial (HBT) Financials

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