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HBT Financial (HBT) Financials

HBT Financial logo
$23.67 -0.20 (-0.84%)
Closing price 05/23/2025 04:00 PM Eastern
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$23.66 -0.01 (-0.02%)
As of 05/23/2025 04:04 PM Eastern
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Annual Income Statements for HBT Financial

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 72 66 56
Consolidated Net Income / (Loss)		 72 66 56
Net Income / (Loss) Continuing Operations		 72 66 56
Total Pre-Tax Income 		97 89 76
Total Revenue		 224 227 181
Net Interest Income / (Expense)		 189 191 146
Total Interest Income		 252 229 153
Loans and Leases Interest Income		 215 195 123
Investment Securities Interest Income		 28 30 28
Deposits and Money Market Investments Interest Income		 8.27 3.02 1.54
Other Interest Income		 0.66 0.81 0.23
Total Interest Expense		 63 38 7.18
Deposits Interest Expense		 56 25 2.51
Long-Term Debt Interest Expense		 6.21 13 4.63
Federal Funds Purchased and Securities Sold Interest Expense		 0.59 0.26 0.04
Total Non-Interest Income		 36 36 35
Other Service Charges		 7.63 7.78 4.98
Net Realized & Unrealized Capital Gains on Investments		 -2.76 0.53 0.87
Other Non-Interest Income		 31 28 29
Provision for Credit Losses		 3.03 7.57 -0.71
Total Non-Interest Expense		 124 131 105
Salaries and Employee Benefits		 76 77 60
Net Occupancy & Equipment Expense		 23 25 18
Marketing Expense		 4.32 5.04 3.80
Property & Liability Insurance Claims		 2.25 2.28 1.16
Insurance Policy Acquisition Costs		 2.06 1.40 1.05
Other Operating Expenses		 13 17 21
Amortization Expense		 2.84 2.67 0.87
Income Tax Expense		 26 23 20
Basic Earnings per Share		 $2.27 $2.08 $1.95
Weighted Average Basic Shares Outstanding		 31.59M 31.63M 28.85M
Diluted Earnings per Share		 $2.26 $2.07 $1.95
Weighted Average Diluted Shares Outstanding		 31.56M 31.64M 32.15M
Weighted Average Basic & Diluted Shares Outstanding		 31.56M 31.64M 32.15M
Cash Dividends to Common per Share		 $0.76 $0.68 $0.64

Quarterly Income Statements for HBT Financial

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 19 20 18 18 15 18 20 18 9.21 13 16
Consolidated Net Income / (Loss)		 19 20 18 18 15 18 20 18 9.21 13 16
Net Income / (Loss) Continuing Operations		 19 20 18 18 15 18 20 18 9.21 13 16
Total Pre-Tax Income 		26 27 25 25 21 25 27 25 12 18 21
Total Revenue		 58 59 56 57 52 56 58 59 54 50 46
Net Interest Income / (Expense)		 49 47 48 47 47 47 48 49 47 42 37
Total Interest Income		 63 63 64 63 62 61 59 57 52 45 39
Loans and Leases Interest Income		 55 54 55 53 53 53 51 48 43 37 31
Investment Securities Interest Income		 7.41 7.19 6.96 6.91 6.85 7.10 7.38 7.68 7.81 7.47 7.84
Deposits and Money Market Investments Interest Income		 1.07 1.52 2.23 2.57 1.95 0.79 0.71 0.78 0.74 0.50 0.46
Other Interest Income		 0.13 0.30 0.15 0.07 0.14 0.34 0.24 0.12 0.12 0.18 0.02
Total Interest Expense		 14 15 16 16 15 14 11 7.90 4.94 2.77 1.62
Deposits Interest Expense		 13 14 15 14 14 11 7.21 4.32 2.37 0.85 0.59
Long-Term Debt Interest Expense		 1.47 1.55 1.60 1.53 1.53 2.95 3.52 3.54 2.53 1.91 1.03
Federal Funds Purchased and Securities Sold Interest Expense		 0.02 0.18 0.13 0.13 0.15 0.15 0.04 0.03 0.04 0.01 0.01
Total Non-Interest Income		 9.31 12 8.71 9.61 5.63 9.21 9.49 9.91 7.44 7.89 8.23
Other Service Charges		 1.79 1.85 1.97 1.81 2.00 1.90 1.91 2.13 1.84 1.19 1.30
Net Realized & Unrealized Capital Gains on Investments		 0.33 0.02 0.55 0.32 -3.65 0.69 0.22 0.39 -0.76 0.12 -0.01
Other Non-Interest Income		 7.19 9.76 6.19 7.48 7.28 6.62 7.36 7.39 6.36 6.58 6.95
Provision for Credit Losses		 0.58 0.73 0.60 1.18 0.53 1.11 0.48 -0.23 6.21 -0.65 0.39
Total Non-Interest Expense		 32 31 31 31 31 30 31 34 36 33 24
Salaries and Employee Benefits		 20 18 19 19 19 18 18 19 22 15 15
Net Occupancy & Equipment Expense		 5.79 6.23 5.78 5.40 6.06 5.68 5.82 6.48 7.08 4.69 4.28
Marketing Expense		 1.14 0.95 1.38 1.00 1.00 1.17 1.68 1.36 0.84 0.87 0.88
Property & Liability Insurance Claims		 0.56 0.56 0.57 0.57 0.56 0.58 0.51 0.63 0.56 0.28 0.30
Insurance Policy Acquisition Costs		 0.38 0.65 0.48 0.48 0.45 0.43 0.35 0.35 0.28 0.28 0.34
Other Operating Expenses		 3.03 3.38 3.08 3.14 3.03 3.70 3.33 5.07 4.92 11 3.44
Amortization Expense		 0.70 0.71 0.71 0.71 0.71 0.72 0.72 0.72 0.51 0.14 0.24
Income Tax Expense		 6.43 7.13 6.33 6.88 5.26 6.34 6.90 6.57 2.92 4.48 5.61
Basic Earnings per Share		 $0.60 $0.64 $0.58 $0.57 $0.48 $0.58 $0.62 $0.58 $0.30 $0.45 $0.54
Weighted Average Basic Shares Outstanding		 31.58M 31.59M 31.56M 31.58M 31.66M 31.63M 31.83M 31.98M 30.98M 28.85M 28.79M
Diluted Earnings per Share		 $0.60 $0.64 $0.57 $0.57 $0.48 $0.57 $0.62 $0.58 $0.30 $0.45 $0.54
Weighted Average Diluted Shares Outstanding		 31.50M 31.56M 31.56M 31.56M 31.59M 31.64M 31.71M 31.85M 32.04M 32.15M 28.75M
Weighted Average Basic & Diluted Shares Outstanding		 31.50M 31.56M 31.56M 31.56M 31.59M 31.64M 31.71M 31.85M 32.04M 32.15M 28.75M
Cash Dividends to Common per Share		 $0.21 - $0.19 $0.19 $0.19 - $0.17 $0.17 $0.17 - $0.16

Annual Cash Flow Statements for HBT Financial

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 -3.56 27 -295
Net Cash From Operating Activities		 89 66 73
Net Cash From Continuing Operating Activities		 89 66 73
Net Income / (Loss) Continuing Operations		 72 66 56
Consolidated Net Income / (Loss)		 72 66 56
Provision For Loan Losses		 3.03 7.57 -0.71
Depreciation Expense		 2.94 3.11 3.04
Amortization Expense		 6.91 8.52 7.79
Non-Cash Adjustments to Reconcile Net Income		 0.59 1.06 -3.54
Changes in Operating Assets and Liabilities, net		 4.12 -20 9.54
Net Cash From Investing Activities		 32 133 -335
Net Cash From Continuing Investing Activities		 32 133 -335
Purchase of Investment Securities		 -168 -188 -493
Sale of Property, Leasehold Improvements and Equipment		 0.00 0.57 1.37
Sale and/or Maturity of Investments		 200 320 156
Net Cash From Financing Activities		 -125 -171 -33
Net Cash From Continuing Financing Activities		 -125 -171 -33
Net Change in Deposits		 -83 94 -151
Issuance of Debt		 0.91 0.00 160
Repayment of Debt		 -0.70 -234 0.00
Repurchase of Common Equity		 -4.42 -8.91 -4.78
Payment of Dividends		 -24 -22 -19
Other Financing Activities, Net		 -14 -0.82 -18
Cash Interest Paid		 65 33 6.86
Cash Income Taxes Paid		 24 21 20

Quarterly Cash Flow Statements for HBT Financial

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 Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 74 -42 -16 -65 119 29 2.11 -67 63 36 -82
Net Cash From Operating Activities		 30 17 26 20 27 13 17 15 21 23 18
Net Cash From Continuing Operating Activities		 30 17 26 20 27 13 17 15 21 23 18
Net Income / (Loss) Continuing Operations		 19 20 18 18 15 18 20 18 9.21 13 16
Consolidated Net Income / (Loss)		 19 20 18 18 15 18 20 18 9.21 13 16
Provision For Loan Losses		 0.58 0.73 0.60 1.18 0.53 1.11 0.48 -0.23 6.21 -0.65 0.39
Depreciation Expense		 0.76 0.74 0.75 0.73 0.73 0.75 0.75 0.82 0.79 0.75 0.76
Amortization Expense		 1.57 1.57 1.70 1.78 1.85 2.13 5.54 0.47 0.39 1.77 5.23
Non-Cash Adjustments to Reconcile Net Income		 -1.59 -0.38 -2.61 1.07 2.51 1.92 2.49 -1.54 -1.80 -1.30 -1.33
Changes in Operating Assets and Liabilities, net		 10 -5.64 6.90 -3.03 5.89 -11 -12 -3.34 6.69 9.77 -2.37
Net Cash From Investing Activities		 17 -90 3.61 -34 153 -29 -31 -33 225 -21 -93
Net Cash From Continuing Investing Activities		 17 -90 3.61 -34 153 -29 -31 -33 225 -21 -93
Purchase of Investment Securities		 -35 -135 2.30 -25 -11 -65 -55 -49 -19 -47 -95
Sale of Property, Leasehold Improvements and Equipment		 0.19 0.00 - - 0.00 0.04 0.07 0.45 0.01 0.07 0.01
Sale and/or Maturity of Investments		 52 45 1.31 -9.52 164 37 24 16 244 25 2.62
Net Cash From Financing Activities		 27 31 -45 -51 -61 45 17 -49 -184 34 -7.54
Net Cash From Continuing Financing Activities		 27 31 -45 -51 -61 45 17 -49 -184 34 -7.54
Net Change in Deposits		 66 38 -38 -42 -41 203 34 -146 3.19 -56 -59
Issuance of Debt		 1.80 - - - - - - - - 100 -
Repayment of Debt		 -7.89 -0.30 -0.40 - 0.00 -165 -0.03 102 -171 - -
Repurchase of Common Equity		 0.00 - - -1.01 -3.41 -1.42 -1.71 -4.19 -1.59 - -1.43
Payment of Dividends		 -6.67 -6.04 -6.03 -6.04 -6.07 -5.45 -5.44 -5.48 -5.51 -4.63 -4.64
Other Financing Activities, Net		 -27 -0.06 -0.30 -2.53 -11 14 -9.83 3.81 -8.34 -5.05 -2.96
Cash Interest Paid		 15 17 17 15 16 11 9.97 6.91 4.90 2.01 1.99
Cash Income Taxes Paid		 0.00 6.55 7.53 11 -0.75 4.65 6.87 9.00 0.00 6.23 5.96

Annual Balance Sheets for HBT Financial

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 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 5,033 5,073 4,287
Cash and Due from Banks		 30 26 19
Interest Bearing Deposits at Other Banks		 108 115 95
Trading Account Securities		 1,204 1,287 1,390
Loans and Leases, Net of Allowance		 3,424 3,364 2,595
Loans and Leases		 3,466 3,404 2,620
Allowance for Loan and Lease Losses		 42 40 25
Loans Held for Sale		 1.59 2.32 0.62
Premises and Equipment, Net		 67 65 50
Goodwill		 60 60 29
Intangible Assets		 18 21 1.07
Other Assets		 121 132 106
Total Liabilities & Shareholders' Equity		 5,033 5,073 4,287
Total Liabilities		 4,488 4,584 3,913
Non-Interest Bearing Deposits		 1,046 1,072 995
Interest Bearing Deposits		 3,272 3,329 2,592
Short-Term Debt		 29 42 43
Long-Term Debt		 106 105 237
Other Long-Term Liabilities		 35 35 46
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 545 489 374
Total Preferred & Common Equity		 545 489 374
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 545 489 374
Common Stock		 298 296 223
Retained Earnings		 317 269 232
Treasury Stock		 -23 -19 -9.69
Accumulated Other Comprehensive Income / (Loss)		 -47 -57 -72

Quarterly Balance Sheets for HBT Financial

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

Annual Metrics And Ratios for HBT Financial

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

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -1.19% 25.76% 13.06%
EBITDA Growth		 7.02% 15.14% 15.62%
EBIT Growth		 9.94% 16.26% -0.49%
NOPAT Growth		 9.02% 16.63% 0.33%
Net Income Growth		 9.02% 16.63% 0.33%
EPS Growth		 9.18% 6.15% -3.47%
Operating Cash Flow Growth		 35.76% -9.31% 68.71%
Free Cash Flow Firm Growth		 -64.54% 275.41% -542.45%
Invested Capital Growth		 6.66% -2.61% 18.85%
Revenue Q/Q Growth		 1.24% 2.81% 4.55%
EBITDA Q/Q Growth		 9.47% 8.12% 14.71%
EBIT Q/Q Growth		 2.75% 8.81% -1.37%
NOPAT Q/Q Growth		 2.61% 8.77% -0.80%
Net Income Q/Q Growth		 2.61% 8.77% -0.80%
EPS Q/Q Growth		 3.20% 6.15% -1.02%
Operating Cash Flow Q/Q Growth		 5.05% -13.75% 10.93%
Free Cash Flow Firm Q/Q Growth		 -80.72% 155.22% -389.24%
Invested Capital Q/Q Growth		 1.00% -15.66% 20.12%
Profitability Metrics		 - - -
EBITDA Margin		 47.78% 44.12% 48.19%
EBIT Margin		 43.39% 39.00% 42.19%
Profit (Net Income) Margin		 31.98% 28.99% 31.26%
Tax Burden Percent		 73.71% 74.33% 74.10%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 26.29% 25.67% 25.90%
Return on Invested Capital (ROIC)		 10.91% 10.20% 9.38%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.91% 10.20% 9.38%
Return on Net Nonoperating Assets (RNNOA)		 2.97% 5.05% 5.00%
Return on Equity (ROE)		 13.88% 15.26% 14.37%
Cash Return on Invested Capital (CROIC)		 4.47% 12.85% -7.85%
Operating Return on Assets (OROA)		 1.93% 1.89% 1.77%
Return on Assets (ROA)		 1.42% 1.41% 1.31%
Return on Common Equity (ROCE)		 13.88% 15.26% 14.37%
Return on Equity Simple (ROE_SIMPLE)		 13.18% 13.45% 15.11%
Net Operating Profit after Tax (NOPAT)		 72 66 56
NOPAT Margin		 31.98% 28.99% 31.26%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 46.44% 47.37% 45.12%
Operating Expenses to Revenue		 55.26% 57.66% 58.20%
Earnings before Interest and Taxes (EBIT)		 97 89 76
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 107 100 87
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 1.26 1.31 1.39
Price to Tangible Book Value (P/TBV)		 1.47 1.56 1.51
Price to Revenue (P/Rev)		 3.05 2.81 2.87
Price to Earnings (P/E)		 9.54 9.70 9.19
Dividend Yield		 3.50% 3.37% 3.55%
Earnings Yield		 10.48% 10.31% 10.89%
Enterprise Value to Invested Capital (EV/IC)		 1.00 1.01 1.05
Enterprise Value to Revenue (EV/Rev)		 3.04 2.84 3.79
Enterprise Value to EBITDA (EV/EBITDA)		 6.36 6.44 7.87
Enterprise Value to EBIT (EV/EBIT)		 7.00 7.28 8.99
Enterprise Value to NOPAT (EV/NOPAT)		 9.50 9.80 12.13
Enterprise Value to Operating Cash Flow (EV/OCF)		 7.63 9.80 9.43
Enterprise Value to Free Cash Flow (EV/FCFF)		 23.20 7.78 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.25 0.30 0.75
Long-Term Debt to Equity		 0.19 0.21 0.63
Financial Leverage		 0.27 0.50 0.53
Leverage Ratio		 9.77 10.84 10.95
Compound Leverage Factor		 9.77 10.84 10.95
Debt to Total Capital		 19.82% 23.13% 42.86%
Short-Term Debt to Total Capital		 4.27% 6.66% 6.59%
Long-Term Debt to Total Capital		 15.55% 16.47% 36.27%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 80.18% 76.87% 57.14%
Debt to EBITDA		 1.26 1.47 3.22
Net Debt to EBITDA		 -0.03 0.06 1.91
Long-Term Debt to EBITDA		 0.99 1.05 2.73
Debt to NOPAT		 1.88 2.24 4.96
Net Debt to NOPAT		 -0.04 0.09 2.94
Long-Term Debt to NOPAT		 1.47 1.59 4.20
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 29 83 -47
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.47 2.19 -6.58
Operating Cash Flow to Interest Expense		 1.42 1.74 10.11
Operating Cash Flow Less CapEx to Interest Expense		 1.42 1.75 10.30
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.05 0.04
Fixed Asset Turnover		 3.40 3.93 3.51
Capital & Investment Metrics		 - - -
Invested Capital		 679 637 654
Invested Capital Turnover		 0.34 0.35 0.30
Increase / (Decrease) in Invested Capital		 42 -17 104
Enterprise Value (EV)		 682 645 685
Market Capitalization		 685 639 519
Book Value per Share		 $17.26 $15.44 $12.99
Tangible Book Value per Share		 $14.80 $12.90 $11.94
Total Capital		 679 637 654
Total Debt		 135 147 280
Total Long-Term Debt		 106 105 237
Net Debt		 -3.09 6.08 166
Capital Expenditures (CapEx)		 -0.00 -0.57 -1.37
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 135 147 280
Total Depreciation and Amortization (D&A)		 9.86 12 11
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.27 $2.08 $1.95
Adjusted Weighted Average Basic Shares Outstanding		 31.59M 31.63M 28.85M
Adjusted Diluted Earnings per Share		 $2.26 $2.07 $1.95
Adjusted Weighted Average Diluted Shares Outstanding		 31.56M 31.64M 28.92M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 31.56M 31.64M 32.15M
Normalized Net Operating Profit after Tax (NOPAT)		 72 66 56
Normalized NOPAT Margin		 31.98% 28.99% 31.26%
Pre Tax Income Margin		 43.39% 39.00% 42.19%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 1.55 2.34 10.61
NOPAT to Interest Expense		 1.14 1.74 7.86
EBIT Less CapEx to Interest Expense		 1.55 2.35 10.80
NOPAT Less CapEx to Interest Expense		 1.14 1.75 8.05
Payout Ratios		 - - -
Dividend Payout Ratio		 33.69% 33.22% 32.92%
Augmented Payout Ratio		 39.85% 46.75% 41.39%

Quarterly Metrics And Ratios for HBT Financial

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

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

Frequently Asked Questions About HBT Financial's Financials

When does HBT Financial's financial year end?

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

How has HBT Financial's net income changed over the last 2 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 $56.46 million in 2022. The previous period was $65.84 million in 2023. Check out HBT Financial's forecast to explore projected trends and price targets.

How has HBT Financial revenue changed over the last 2 years?

Over the last 2 years, HBT Financial's total revenue changed from $180.59 million in 2022 to $224.42 million in 2024, a change of 24.3%.

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 14.7% increase since 2022.

How much cash does HBT Financial have?

In the past 2 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 2 years?

Over the last 2 years, HBT Financial's book value per share changed from 12.99 in 2022 to 17.26 in 2024, a change of 32.8%.


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This page (NASDAQ:HBT) was last updated on 5/25/2025 by MarketBeat.com Staff
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