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HBT Financial (HBT) Financials

HBT Financial logo
$24.39 +0.44 (+1.84%)
Closing price 08/8/2025 04:00 PM Eastern
Extended Trading
$24.40 +0.01 (+0.04%)
As of 08/8/2025 04:50 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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 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

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 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 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 6/30/2025
Net Income / (Loss) Attributable to Common Shareholders
13 9.21 18 20 18 15 18 18 20 19 19
Consolidated Net Income / (Loss)
13 9.21 18 20 18 15 18 18 20 19 19
Net Income / (Loss) Continuing Operations
13 9.21 18 20 18 15 18 18 20 19 19
Total Pre-Tax Income
18 12 25 27 25 21 25 25 27 26 26
Total Revenue
50 54 59 58 56 52 57 56 59 58 59
Net Interest Income / (Expense)
42 47 49 48 47 47 47 48 47 49 50
Total Interest Income
45 52 57 59 61 62 63 64 63 63 64
Loans and Leases Interest Income
37 43 48 51 53 53 53 55 54 55 54
Investment Securities Interest Income
7.47 7.81 7.68 7.38 7.10 6.80 6.84 6.96 7.19 7.41 7.89
Deposits and Money Market Investments Interest Income
0.50 0.74 0.78 0.71 0.79 1.95 2.57 2.23 1.52 1.07 1.54
Other Interest Income
0.18 0.12 0.12 0.24 0.34 0.19 0.14 0.15 0.30 0.13 0.11
Total Interest Expense
2.77 4.94 7.90 11 14 15 16 16 15 14 14
Deposits Interest Expense
0.85 2.37 4.32 7.21 11 14 14 15 14 13 13
Long-Term Debt Interest Expense
1.91 2.53 3.54 3.52 2.95 1.53 1.53 1.60 1.55 1.47 1.43
Federal Funds Purchased and Securities Sold Interest Expense
0.01 0.04 0.03 0.04 0.15 0.15 0.13 0.13 0.18 0.02 0.00
Total Non-Interest Income
7.89 7.44 9.91 9.49 9.21 5.63 9.61 8.71 12 9.31 9.14
Other Service Charges
1.19 1.84 2.13 1.91 1.90 2.00 1.81 1.97 1.85 1.79 1.82
Net Realized & Unrealized Capital Gains on Investments
0.12 -0.76 0.39 0.22 0.69 -3.65 0.32 0.55 0.02 0.33 0.37
Other Non-Interest Income
6.58 6.36 7.39 7.36 6.62 7.28 7.48 6.19 9.76 7.19 6.95
Provision for Credit Losses
-0.65 6.21 -0.23 0.48 1.11 0.53 1.18 0.60 0.73 0.58 0.53
Total Non-Interest Expense
33 36 34 31 30 31 31 31 31 32 32
Salaries and Employee Benefits
15 22 19 18 18 19 19 19 18 20 20
Net Occupancy & Equipment Expense
4.69 7.08 6.48 5.82 5.68 6.06 5.40 5.78 6.23 5.79 5.73
Marketing Expense
0.87 0.84 1.36 1.68 1.17 1.00 1.00 1.38 0.95 1.14 1.02
Property & Liability Insurance Claims
0.28 0.56 0.63 0.51 0.58 0.56 0.57 0.57 0.56 0.56 0.55
Insurance Policy Acquisition Costs
0.28 0.28 0.35 0.35 0.43 0.45 0.48 0.48 0.65 0.38 0.36
Other Operating Expenses
11 4.92 5.07 3.33 3.70 3.03 3.14 3.08 3.38 3.03 3.52
Amortization Expense
0.14 0.51 0.72 0.72 0.72 0.71 0.71 0.71 0.71 0.70 0.69
Income Tax Expense
4.48 2.92 6.57 6.90 6.34 5.26 6.88 6.33 7.13 6.43 7.13
Basic Earnings per Share
$0.45 $0.30 $0.58 $0.62 $0.58 $0.48 $0.57 $0.58 $0.64 $0.60 $0.61
Weighted Average Basic Shares Outstanding
28.85M 30.98M 31.98M 31.83M 31.63M 31.66M 31.58M 31.56M 31.59M 31.58M 31.51M
Diluted Earnings per Share
$0.45 $0.30 $0.58 $0.62 $0.57 $0.48 $0.57 $0.57 $0.64 $0.60 $0.61
Weighted Average Diluted Shares Outstanding
32.15M 32.04M 31.85M 31.71M 31.64M 31.59M 31.56M 31.56M 31.56M 31.50M 31.50M
Weighted Average Basic & Diluted Shares Outstanding
32.15M 32.04M 31.85M 31.71M 31.64M 31.59M 31.56M 31.56M 31.56M 31.50M 31.50M

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 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

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 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 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 6/30/2025
Net Change in Cash & Equivalents
36 63 -67 2.11 29 119 -65 -16 -42 74 -16
Net Cash From Operating Activities
23 21 15 17 13 27 20 26 17 30 14
Net Cash From Continuing Operating Activities
23 21 15 17 13 27 20 26 17 30 14
Net Income / (Loss) Continuing Operations
13 9.21 18 20 18 15 18 18 20 19 19
Consolidated Net Income / (Loss)
13 9.21 18 20 18 15 18 18 20 19 19
Provision For Loan Losses
-0.65 6.21 -0.23 0.48 1.11 0.53 1.18 0.60 0.73 0.58 0.53
Depreciation Expense
0.75 0.79 0.82 0.75 0.75 0.73 0.73 0.75 0.74 0.76 0.78
Amortization Expense
1.77 0.39 0.47 5.54 2.13 1.85 1.78 1.70 1.57 1.57 1.39
Non-Cash Adjustments to Reconcile Net Income
-1.30 -1.80 -1.54 2.49 1.92 2.51 1.07 -2.61 -0.38 -1.59 0.10
Changes in Operating Assets and Liabilities, net
9.77 6.69 -3.34 -12 -11 5.89 -3.03 6.90 -5.64 10 -8.47
Net Cash From Investing Activities
-21 225 -33 -31 -29 153 -34 3.61 -90 17 60
Net Cash From Continuing Investing Activities
-21 225 -33 -31 -29 153 -34 3.61 -90 17 60
Purchase of Investment Securities
-47 -19 -49 -55 -65 54 -25 2.30 -135 -35 26
Sale and/or Maturity of Investments
25 244 16 24 37 99 -9.52 1.31 45 52 35
Net Cash From Financing Activities
34 -184 -49 17 45 -61 -51 -45 31 27 -90
Net Cash From Continuing Financing Activities
34 -184 -49 17 45 -61 -51 -45 31 27 -90
Net Change in Deposits
-56 3.19 -146 34 203 -41 -42 -38 38 66 -78
Repurchase of Common Equity
- -1.59 -4.19 -1.71 -1.42 -3.41 -1.01 - - 0.00 -2.90
Payment of Dividends
-4.63 -5.51 -5.48 -5.44 -5.45 -6.07 -6.04 -6.03 -6.04 -6.67 -6.65
Other Financing Activities, Net
-5.05 -8.34 3.81 -9.83 14 -11 -2.53 -0.30 -0.06 -27 -2.14
Cash Interest Paid
2.01 4.90 6.91 9.97 11 16 15 17 17 15 14
Cash Income Taxes Paid
6.23 0.00 9.00 6.87 4.65 -0.75 11 7.53 6.55 0.00 14

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 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

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 Q2 2022 Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 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 6/30/2025
Total Assets
4,224 4,213 5,014 4,976 4,992 5,041 5,006 4,991 5,092 5,018
Cash and Due from Banks
25 22 35 28 25 20 23 27 25 26
Interest Bearing Deposits at Other Banks
135 56 142 82 87 240 173 153 187 170
Trading Account Securities
1,478 1,405 1,396 1,361 1,286 1,192 1,187 1,221 1,202 1,261
Loans and Leases, Net of Allowance
2,427 2,555 3,157 3,207 3,304 3,305 3,345 3,329 3,420 3,307
Loans and Leases
2,452 2,580 - 3,245 3,343 3,346 3,385 3,370 3,462 3,348
Allowance for Loan and Lease Losses
25 25 -3,157 38 39 41 41 41 42 42
Loans Held for Sale
5.31 2.30 5.13 8.83 3.56 3.48 0.86 2.96 2.72 2.32
Premises and Equipment, Net
51 51 65 65 65 65 66 66 67 69
Goodwill
29 29 60 60 60 60 60 60 60 60
Intangible Assets
1.45 1.21 23 22 21 20 19 19 17 16
Other Assets
71 91 3,287 142 140 134 133 114 111 108
Total Liabilities & Shareholders' Equity
4,224 4,213 5,014 4,976 4,992 5,041 5,006 4,991 5,092 5,018
Total Liabilities
3,850 3,854 4,564 4,525 4,536 4,544 4,497 4,453 4,527 4,438
Non-Interest Bearing Deposits
1,029 1,018 1,219 1,126 1,087 1,047 1,046 1,008 1,066 1,034
Interest Bearing Deposits
2,673 2,626 3,092 3,039 3,111 3,314 3,273 3,272 3,319 3,272
Short-Term Debt
51 48 35 39 29 32 29 29 2.70 0.56
Long-Term Debt
77 137 167 270 270 105 106 106 100 100
Other Long-Term Liabilities
20 26 51 52 39 46 43 38 40 31
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
374 359 450 451 456 497 509 538 565 581
Total Preferred & Common Equity
374 359 450 451 456 497 509 538 565 581
Preferred Stock
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity
374 359 450 451 456 497 509 538 565 581
Common Stock
222 223 295 295 296 296 297 297 297 298
Retained Earnings
213 223 229 242 256 278 290 303 329 342
Treasury Stock
-8.26 -9.69 -11 -15 -17 -22 -23 -23 -23 -26
Accumulated Other Comprehensive Income / (Loss)
-53 -77 -62 -71 -78 -56 -55 -39 -38 -33

Annual Metrics And Ratios for HBT Financial

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%

Quarterly Metrics And Ratios for HBT Financial

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

Metric Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025
Period end date 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 6/30/2025
Growth Metrics
- - - - - - - - - - -
Revenue Growth
18.62% 29.31% 36.95% 26.62% 12.42% -3.61% -3.65% -2.30% 4.87% 10.90% 3.81%
EBITDA Growth
124.41% -31.82% 30.78% 20.82% 37.38% 73.52% 4.34% -18.06% 7.39% 20.48% 19.39%
EBIT Growth
-5.68% -34.06% 32.24% 25.32% 40.73% 69.15% -0.36% -7.91% 10.52% 24.29% 5.63%
NOPAT Growth
-3.34% -32.31% 31.15% 26.16% 40.38% 65.70% -2.18% -7.79% 9.90% 25.02% 6.42%
Net Income Growth
-3.34% -32.31% 31.15% 26.16% 40.38% 65.70% -2.18% -7.79% 9.90% 25.02% 6.42%
EPS Growth
-4.26% -36.17% 18.37% 14.81% 26.67% 60.00% -1.72% -8.06% 12.28% 25.00% 7.02%
Operating Cash Flow Growth
43.81% 1.18% 53.21% -8.72% -44.71% 24.58% 35.22% 52.68% 33.12% 13.70% -31.54%
Free Cash Flow Firm Growth
-81.04% -524.63% -2,757.09% -665.66% 139.20% 125.78% 155.49% 152.74% -162.27% -143.34% -112.88%
Invested Capital Growth
18.85% 27.65% 51.26% 38.70% -2.61% -2.88% -15.08% -10.93% 6.66% 5.34% 5.63%
Revenue Q/Q Growth
9.75% 8.39% 8.31% -1.73% -2.56% -7.06% 8.27% -0.35% 4.59% -1.72% 1.35%
EBITDA Q/Q Growth
-26.07% -33.88% 97.74% 25.00% -15.93% 13.05% 18.90% -1.84% 10.18% -6.31% 2.50%
EBIT Q/Q Growth
-17.07% -31.13% 106.44% 6.29% -6.87% -17.23% 21.61% -1.76% 11.77% -6.92% 3.35%
NOPAT Q/Q Growth
-15.91% -29.92% 100.62% 6.72% -6.44% -17.28% 18.43% 0.61% 11.51% -5.90% 0.81%
Net Income Q/Q Growth
-15.91% -29.92% 100.62% 6.72% -6.44% -17.28% 18.43% 0.61% 11.51% -5.90% 0.81%
EPS Q/Q Growth
-16.67% -33.33% 93.33% 6.90% -8.06% -15.79% 18.75% 0.00% 12.28% -6.25% 1.67%
Operating Cash Flow Q/Q Growth
28.23% -8.48% -31.87% 14.17% -22.33% 106.21% -26.05% 28.91% -32.28% 76.13% -55.48%
Free Cash Flow Firm Q/Q Growth
-263.17% -45.83% -80.83% 20.05% 118.59% -4.11% 289.27% -24.02% -121.95% 33.25% -15.66%
Invested Capital Q/Q Growth
20.12% -0.23% 16.40% -0.57% -15.66% -0.51% 1.78% 4.28% 1.00% -1.74% 2.06%
Profitability Metrics
- - - - - - - - - - -
EBITDA Margin
40.21% 24.53% 44.78% 56.96% 49.14% 44.16% 48.50% 47.77% 50.33% 47.97% 48.52%
EBIT Margin
35.18% 22.35% 42.60% 46.08% 44.04% 39.22% 44.06% 43.43% 46.41% 43.96% 44.83%
Profit (Net Income) Margin
26.24% 16.97% 31.42% 34.13% 32.77% 29.17% 31.90% 32.21% 34.34% 32.88% 32.71%
Tax Burden Percent
74.60% 75.90% 73.77% 74.07% 74.41% 74.36% 72.42% 74.16% 73.99% 74.80% 72.96%
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
25.40% 24.10% 26.23% 25.93% 25.59% 25.64% 27.58% 25.84% 26.01% 25.20% 27.04%
Return on Invested Capital (ROIC)
7.87% 5.63% 10.40% 11.60% 11.53% 10.21% 10.13% 10.00% 11.71% 11.63% 11.46%
ROIC Less NNEP Spread (ROIC-NNEP)
7.87% 5.63% 10.40% 11.60% 11.53% 10.21% 10.13% 10.00% 11.71% 11.63% 11.46%
Return on Net Nonoperating Assets (RNNOA)
4.19% 2.23% 5.51% 6.89% 5.71% 3.66% 4.68% 4.36% 3.19% 2.62% 2.48%
Return on Equity (ROE)
12.07% 7.86% 15.91% 18.49% 17.25% 13.87% 14.82% 14.37% 14.91% 14.25% 13.93%
Cash Return on Invested Capital (CROIC)
-7.85% -15.34% -31.85% -23.11% 12.85% 14.10% 26.49% 21.36% 4.47% 6.42% 6.10%
Operating Return on Assets (OROA)
1.48% 0.92% 1.93% 2.21% 2.14% 1.76% 1.97% 1.93% 2.06% 2.00% 2.08%
Return on Assets (ROA)
1.10% 0.70% 1.43% 1.64% 1.59% 1.31% 1.43% 1.43% 1.53% 1.49% 1.52%
Return on Common Equity (ROCE)
12.07% 7.86% 15.91% 18.49% 17.25% 13.87% 14.82% 14.37% 14.91% 14.25% 13.93%
Return on Equity Simple (ROE_SIMPLE)
0.00% 11.57% 12.52% 13.27% 0.00% 14.47% 14.03% 13.01% 0.00% 13.38% 13.21%
Net Operating Profit after Tax (NOPAT)
13 9.21 18 20 18 15 18 18 20 19 19
NOPAT Margin
26.24% 16.97% 31.42% 34.13% 32.77% 29.17% 31.90% 32.21% 34.34% 32.88% 32.71%
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
41.87% 54.66% 46.27% 44.59% 44.35% 50.68% 45.23% 46.92% 43.39% 47.00% 45.55%
Operating Expenses to Revenue
66.12% 66.21% 57.79% 53.09% 53.98% 59.77% 53.87% 55.50% 52.36% 55.05% 54.28%
Earnings before Interest and Taxes (EBIT)
18 12 25 27 25 21 25 25 27 26 26
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
20 13 26 33 28 23 27 27 30 28 29
Valuation Ratios
- - - - - - - - - - -
Price to Book Value (P/BV)
1.39 1.33 1.25 1.23 1.31 1.19 1.25 1.28 1.26 1.25 1.37
Price to Tangible Book Value (P/TBV)
1.51 1.63 1.53 1.49 1.56 1.42 1.49 1.50 1.47 1.45 1.57
Price to Revenue (P/Rev)
2.87 3.11 2.70 2.53 2.81 2.63 2.87 3.11 3.05 3.07 3.42
Price to Earnings (P/E)
9.19 11.51 9.99 9.24 9.70 8.22 8.94 9.87 9.54 9.36 10.34
Dividend Yield
3.55% 3.49% 3.75% 3.82% 3.37% 3.75% 3.56% 3.38% 3.50% 3.48% 3.17%
Earnings Yield
10.89% 8.69% 10.01% 10.82% 10.31% 12.16% 11.18% 10.13% 10.48% 10.69% 9.67%
Enterprise Value to Invested Capital (EV/IC)
1.05 0.96 1.00 0.99 1.01 0.74 0.90 0.96 1.00 0.90 1.03
Enterprise Value to Revenue (EV/Rev)
3.79 3.24 3.65 3.38 2.84 2.08 2.60 2.91 3.04 2.60 3.01
Enterprise Value to EBITDA (EV/EBITDA)
7.87 7.72 8.77 8.05 6.44 4.55 5.58 6.59 6.36 5.34 5.99
Enterprise Value to EBIT (EV/EBIT)
8.99 8.93 10.03 9.17 7.28 4.82 5.98 6.81 7.00 5.84 6.73
Enterprise Value to NOPAT (EV/NOPAT)
12.13 11.99 13.51 12.33 9.80 6.51 8.10 9.23 9.50 7.91 9.10
Enterprise Value to Operating Cash Flow (EV/OCF)
9.43 8.57 9.79 9.78 9.80 6.58 7.60 7.59 7.63 6.43 8.05
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 0.00 7.78 5.16 3.12 4.23 23.20 14.32 17.27
Leverage & Solvency
- - - - - - - - - - -
Debt to Equity
0.75 0.45 0.68 0.65 0.30 0.28 0.27 0.25 0.25 0.18 0.17
Long-Term Debt to Equity
0.63 0.37 0.60 0.59 0.21 0.21 0.21 0.20 0.19 0.18 0.17
Financial Leverage
0.53 0.40 0.53 0.59 0.50 0.36 0.46 0.44 0.27 0.23 0.22
Leverage Ratio
10.95 11.24 11.16 11.29 10.84 10.62 10.39 10.04 9.77 9.54 9.19
Compound Leverage Factor
10.95 11.24 11.16 11.29 10.84 10.62 10.39 10.04 9.77 9.54 9.19
Debt to Total Capital
42.86% 31.00% 40.63% 39.57% 23.13% 21.61% 21.00% 20.05% 19.82% 15.33% 14.72%
Short-Term Debt to Total Capital
6.59% 5.35% 5.10% 3.83% 6.66% 5.03% 4.55% 4.32% 4.27% 0.40% 0.08%
Long-Term Debt to Total Capital
36.27% 25.65% 35.53% 35.74% 16.47% 16.58% 16.45% 15.73% 15.55% 14.93% 14.64%
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
57.14% 69.00% 59.37% 60.43% 76.87% 78.39% 79.00% 79.95% 80.18% 84.67% 85.28%
Debt to EBITDA
3.22 2.50 3.55 3.22 1.47 1.33 1.30 1.38 1.26 0.91 0.86
Net Debt to EBITDA
1.91 0.31 2.28 2.02 0.06 -1.20 -0.58 -0.46 -0.03 -0.98 -0.82
Long-Term Debt to EBITDA
2.73 2.07 3.10 2.91 1.05 1.02 1.02 1.08 0.99 0.89 0.86
Debt to NOPAT
4.96 3.89 5.47 4.94 2.24 1.90 1.89 1.93 1.88 1.35 1.31
Net Debt to NOPAT
2.94 0.48 3.52 3.09 0.09 -1.72 -0.84 -0.64 -0.04 -1.45 -1.24
Long-Term Debt to NOPAT
4.20 3.21 4.78 4.46 1.59 1.46 1.48 1.51 1.47 1.32 1.30
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)
-91 -132 -239 -191 36 34 133 101 -22 -15 -17
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
-32.76 -26.73 -30.25 -17.75 2.48 2.23 8.39 6.15 -1.44 -1.02 -1.20
Operating Cash Flow to Interest Expense
8.49 4.35 1.85 1.55 0.91 1.75 1.25 1.56 1.12 2.11 0.95
Operating Cash Flow Less CapEx to Interest Expense
8.52 4.35 1.91 1.56 0.91 1.75 1.25 1.56 1.12 2.12 0.95
Efficiency Ratios
- - - - - - - - - - -
Asset Turnover
0.04 0.04 0.05 0.05 0.05 0.04 0.04 0.04 0.04 0.05 0.05
Fixed Asset Turnover
3.51 3.29 3.59 3.82 3.93 3.47 3.41 3.39 3.40 3.49 3.46
Capital & Investment Metrics
- - - - - - - - - - -
Invested Capital
654 652 759 755 637 634 645 672 679 667 681
Invested Capital Turnover
0.30 0.33 0.33 0.34 0.35 0.35 0.32 0.31 0.34 0.35 0.35
Increase / (Decrease) in Invested Capital
104 141 257 211 -17 -19 -114 -83 42 34 36
Enterprise Value (EV)
685 624 763 746 645 468 579 646 682 598 699
Market Capitalization
519 599 564 559 639 591 639 691 685 707 794
Book Value per Share
$12.99 $14.00 $14.07 $14.33 $15.44 $15.70 $16.13 $17.04 $17.26 $17.90 $18.44
Tangible Book Value per Share
$11.94 $11.43 $11.51 $11.78 $12.90 $13.17 $13.62 $14.55 $14.80 $15.47 $16.02
Total Capital
654 652 759 755 637 634 645 672 679 667 681
Total Debt
280 202 308 299 147 137 135 135 135 102 100
Total Long-Term Debt
237 167 270 270 105 105 106 106 106 100 100
Net Debt
166 25 199 187 6.08 -123 -60 -45 -3.09 -109 -95
Capital Expenditures (CapEx)
-0.07 -0.01 -0.45 -0.07 -0.04 0.00 0.00 0.00 -0.00 -0.19 0.00
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)
280 202 308 299 147 137 135 135 135 102 100
Total Depreciation and Amortization (D&A)
2.52 1.18 1.28 6.29 2.87 2.58 2.52 2.45 2.31 2.33 2.17
Earnings Adjustments
- - - - - - - - - - -
Adjusted Basic Earnings per Share
$0.45 $0.30 $0.58 $0.62 $0.58 $0.48 $0.57 $0.58 $0.64 $0.60 $0.61
Adjusted Weighted Average Basic Shares Outstanding
28.85M 30.98M 31.98M 31.83M 31.63M 31.66M 31.58M 31.56M 31.59M 31.58M 31.51M
Adjusted Diluted Earnings per Share
$0.45 $0.30 $0.58 $0.62 $0.57 $0.48 $0.57 $0.57 $0.64 $0.60 $0.61
Adjusted Weighted Average Diluted Shares Outstanding
32.15M 31.05M 32.08M 31.71M 31.64M 31.59M 31.56M 31.56M 31.56M 31.50M 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
32.15M 32.04M 31.85M 31.71M 31.64M 31.59M 31.56M 31.56M 31.56M 31.50M 31.50M
Normalized Net Operating Profit after Tax (NOPAT)
13 9.21 18 20 18 15 18 18 20 19 19
Normalized NOPAT Margin
26.24% 16.97% 31.42% 34.13% 32.77% 29.17% 31.90% 32.21% 34.34% 32.88% 32.71%
Pre Tax Income Margin
35.18% 22.35% 42.60% 46.08% 44.04% 39.22% 44.06% 43.43% 46.41% 43.96% 44.83%
Debt Service Ratios
- - - - - - - - - - -
EBIT to Interest Expense
6.37 2.45 3.17 2.47 1.73 1.34 1.58 1.50 1.78 1.77 1.85
NOPAT to Interest Expense
4.75 1.86 2.34 1.83 1.29 1.00 1.14 1.11 1.32 1.32 1.35
EBIT Less CapEx to Interest Expense
6.39 2.46 3.23 2.48 1.73 1.34 1.58 1.50 1.78 1.78 1.85
NOPAT Less CapEx to Interest Expense
4.78 1.86 2.40 1.84 1.29 1.00 1.14 1.11 1.32 1.33 1.35
Payout Ratios
- - - - - - - - - - -
Dividend Payout Ratio
32.92% 37.33% 35.88% 34.79% 33.22% 31.21% 32.17% 33.72% 33.69% 32.78% 33.08%
Augmented Payout Ratio
41.39% 47.75% 48.65% 47.16% 46.75% 46.13% 42.73% 42.07% 39.85% 34.12% 36.86%

Key Financial Trends

HBT Financial (NASDAQ: HBT) has demonstrated steady financial performance over the past few years through Q2 2025, with several key trends emerging from its income statements, balance sheets, and cash flow statements.

Income and Profitability:

  • Net interest income has generally increased from around $34 million in Q2 2022 to nearly $50 million by Q2 2025, underpinned by growth in loans and leases interest income.
  • Consistently positive net income with Q2 2025 reporting $19.23 million, showing an upward trend from $13.14 million in Q4 2022 and $18.47 million in Q2 2023.
  • Basic and diluted earnings per share have improved from $0.30 in Q1 2023 to $0.61 in Q2 2025, indicating enhanced profitability per share.
  • Provision for credit losses fluctuates but remains a small portion of total revenue, with Q2 2025 at $526,000, indicating manageable credit risk.
  • Total non-interest income remains healthy, contributing positively via service charges, realized capital gains, and other income, totaling about $9.14 million in Q2 2025.

Balance Sheet and Capital Structure:

  • Total assets have grown steadily, reaching approximately $5.02 billion in Q2 2025 from about $4.22 billion in Q2 2022, driven largely by an increase in loans and leases totaling about $3.35 billion.
  • Allowance for loan and lease losses has increased proportionally with loan growth, supporting asset quality management.
  • Total common equity increased from roughly $374 million in Q2 2022 to about $581 million in Q2 2025, highlighting strengthening capitalization.

Cash Flows:

  • Operating cash flow remains robust with $13.55 million generated in Q2 2025 and $30.44 million in Q1 2025, reflecting strong core business cash generation.
  • Investing activities show significant cash outflows in the form of investment securities purchases; however, these are frequently offset by proceeds from sales and maturities, totaling a net inflow of $60.35 million in Q2 2025.
  • Financing cash flows indicate heavy outflows, notably a $89.75 million cash outflow in Q2 2025 primarily related to net changes in deposits (decline of about $78 million), equity repurchases, and dividend payments. This could reflect a contraction in funding or capital return to shareholders.
  • The company consistently pays dividends, with a recent quarterly dividend of $0.21 per share in Q1 2025, showing commitment to shareholder returns.

Summary:

Overall, HBT Financial demonstrates a stable and gradually improving financial profile characterized by increasing revenues and profits, expanding asset base, and solid capital levels. Strong operating cash flow is a key positive, though large swings in financing activities—mainly deposit decreases and equity repurchases—warrant monitoring for impact on liquidity and long-term funding. Credit losses appear well managed, supporting asset quality. Investors eyeing HBT Financial should consider its consistent earnings growth and strengthening balance sheet alongside the financing cash flow trends.

08/09/25 03:26 AMAI Generated. May Contain Errors.

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 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. Check out HBT Financial's forecast to explore projected trends and price targets.

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%.



This page (NASDAQ:HBT) was last updated on 8/9/2025 by MarketBeat.com Staff
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