HBT Financial (HBT) Financials

$31.47 +0.34 (+1.09%)

Closing price 06/24/2026 04:00 PM Eastern

Extended Trading

$31.49 +0.02 (+0.06%)

As of 06/24/2026 05:44 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	2025
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	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	56	64	67	37	56	56	66	72	77
Consolidated Net Income / (Loss)	56	64	67	37	56	56	66	72	77
Net Income / (Loss) Continuing Operations	56	64	67	37	56	56	66	72	77
Total Pre-Tax Income	57	65	72	50	77	76	89	97	105
Total Revenue	154	161	167	152	160	181	227	224	237
Net Interest Income / (Expense)	121	129	134	118	122	146	191	189	199
Total Interest Income	128	137	144	124	128	153	229	252	256
Loans and Leases Interest Income	104	111	120	105	106	123	195	215	217
Investment Securities Interest Income	22	24	21	18	21	28	30	28	33
Deposits and Money Market Investments Interest Income	1.66	1.72	2.95	0.94	0.53	1.54	3.02	8.27	5.50
Other Interest Income	0.05	0.07	0.06	0.06	0.06	0.23	0.81	0.66	0.55
Total Interest Expense	6.60	7.99	9.94	6.46	5.82	7.18	38	63	57
Deposits Interest Expense	4.96	5.89	7.93	4.22	2.47	2.51	25	56	52
Long-Term Debt Interest Expense	1.59	2.06	1.93	2.19	3.31	4.63	13	6.21	5.18
Federal Funds Purchased and Securities Sold Interest Expense	0.05	0.05	0.07	0.05	0.03	0.04	0.26	0.59	0.02
Total Non-Interest Income	33	31	33	34	37	35	36	36	38
Other Service Charges	8.37	6.82	7.25	6.79	5.86	4.98	7.78	7.63	7.23
Net Realized & Unrealized Capital Gains on Investments	1.37	-0.34	5.27	8.94	5.54	0.87	0.53	-2.76	1.20
Other Non-Interest Income	23	25	20	19	26	29	28	31	30
Provision for Credit Losses	3.14	5.70	3.40	11	-8.08	-0.71	7.57	3.03	3.16
Total Non-Interest Expense	94	90	91	92	91	105	131	124	129
Salaries and Employee Benefits	57	56	59	58	55	60	77	76	80
Net Occupancy & Equipment Expense	16	16	15	16	17	18	25	23	25
Marketing Expense	4.52	4.21	3.87	3.48	3.38	3.80	5.04	4.32	4.18
Property & Liability Insurance Claims	0.96	0.94	0.20	0.71	1.04	1.16	2.28	2.25	2.23
Insurance Policy Acquisition Costs	-	-	2.63	1.76	1.32	1.05	1.40	2.06	1.35
Other Operating Expenses	14	12	8.76	11	12	21	17	13	14
Amortization Expense	1.92	1.56	1.42	1.23	1.05	0.87	2.67	2.84	2.73
Other Special Charges	-	-	-	-	-	-	0.00	0.00	0.39
Income Tax Expense	0.87	0.87	5.26	13	20	20	23	26	27
Basic Earnings per Share	$3.10	$3.54	$3.33	$1.34	$2.02	$1.95	$2.08	$2.27	$2.44
Weighted Average Basic Shares Outstanding	18.07M	18.05M	20.09M	27.46M	27.80M	28.85M	31.63M	31.59M	31.50M
Diluted Earnings per Share	$3.10	$3.54	$3.33	$1.34	$2.02	$1.95	$2.07	$2.26	$2.44
Weighted Average Diluted Shares Outstanding	18.07M	18.05M	20.09M	27.46M	27.80M	32.15M	31.64M	31.56M	31.43M
Weighted Average Basic & Diluted Shares Outstanding	18.07M	18.05M	20.09M	27.46M	27.80M	32.15M	31.64M	31.56M	31.43M
Cash Dividends to Common per Share	$3.16	$2.36	$12.48	$0.60	$0.60	$0.64	$0.68	$0.76	$0.84

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	20	18	15	18	18	20	19	19	20	19	11
Consolidated Net Income / (Loss)	20	18	15	18	18	20	19	19	20	19	11
Net Income / (Loss) Continuing Operations	20	18	15	18	18	20	19	19	20	19	11
Total Pre-Tax Income	27	25	21	25	25	27	26	26	27	26	15
Total Revenue	58	56	52	57	56	59	58	59	60	60	67
Net Interest Income / (Expense)	48	47	47	47	48	47	49	50	50	51	56
Total Interest Income	59	61	62	63	64	63	63	64	64	64	72
Loans and Leases Interest Income	51	53	53	53	55	54	55	54	54	54	60
Investment Securities Interest Income	7.38	7.10	6.80	6.84	6.96	7.19	7.41	7.89	8.78	8.84	10
Deposits and Money Market Investments Interest Income	0.71	0.79	1.95	2.57	2.23	1.52	1.07	1.54	1.35	1.54	1.28
Other Interest Income	0.24	0.34	0.19	0.14	0.15	0.30	0.13	0.11	0.14	0.16	0.16
Total Interest Expense	11	14	15	16	16	15	14	14	14	14	15
Deposits Interest Expense	7.21	11	14	14	15	14	13	13	13	13	14
Long-Term Debt Interest Expense	3.52	2.95	1.53	1.53	1.60	1.55	1.47	1.43	1.36	0.93	1.33
Federal Funds Purchased and Securities Sold Interest Expense	0.04	0.15	0.15	0.13	0.13	0.18	0.02	0.00	0.00	-	0.02
Total Non-Interest Income	9.49	9.21	5.63	9.61	8.71	12	9.31	9.14	9.85	9.90	11
Other Service Charges	1.91	1.90	2.00	1.81	1.97	1.85	1.79	1.82	1.84	1.78	1.84
Net Realized & Unrealized Capital Gains on Investments	0.22	0.69	-3.65	0.32	0.55	0.02	0.33	0.37	0.41	0.10	0.05
Other Non-Interest Income	7.36	6.62	7.28	7.48	6.19	9.76	7.19	6.95	7.60	8.02	9.06
Provision for Credit Losses	0.48	1.11	0.53	1.18	0.60	0.73	0.58	0.53	0.60	1.46	-0.16
Total Non-Interest Expense	31	30	31	31	31	31	32	32	33	33	52
Salaries and Employee Benefits	18	18	19	19	19	18	20	20	20	20	27
Net Occupancy & Equipment Expense	5.82	5.68	6.06	5.40	5.78	6.23	5.79	5.73	6.35	6.89	16
Marketing Expense	1.68	1.17	1.00	1.00	1.38	0.95	1.14	1.02	1.04	0.98	1.14
Property & Liability Insurance Claims	0.51	0.58	0.56	0.57	0.57	0.56	0.56	0.55	0.56	0.56	0.59
Insurance Policy Acquisition Costs	0.35	0.43	0.45	0.48	0.48	0.65	0.38	0.36	0.26	0.34	0.70
Other Operating Expenses	3.33	3.70	3.03	3.14	3.08	3.38	3.03	3.52	3.54	3.81	6.62
Amortization Expense	0.72	0.72	0.71	0.71	0.71	0.71	0.70	0.69	0.69	0.64	0.89
Income Tax Expense	6.90	6.34	5.26	6.88	6.33	7.13	6.43	7.13	6.97	6.98	3.85
Basic Earnings per Share	$0.62	$0.58	$0.48	$0.57	$0.58	$0.64	$0.60	$0.61	$0.63	$0.60	$0.34
Weighted Average Basic Shares Outstanding	31.83M	31.63M	31.66M	31.58M	31.56M	31.59M	31.58M	31.51M	31.48M	31.50M	33.18M
Diluted Earnings per Share	$0.62	$0.57	$0.48	$0.57	$0.57	$0.64	$0.60	$0.61	$0.63	$0.60	$0.34
Weighted Average Diluted Shares Outstanding	31.71M	31.64M	31.59M	31.56M	31.56M	31.56M	31.50M	31.50M	31.43M	31.43M	36.38M
Weighted Average Basic & Diluted Shares Outstanding	31.71M	31.64M	31.59M	31.56M	31.56M	31.56M	31.50M	31.50M	31.43M	31.43M	36.38M

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	2025
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	12/31/2025
Net Change in Cash & Equivalents	-73	21	97	28	97	-295	27	-3.56	-15
Net Cash From Operating Activities	72	80	89	31	43	73	66	89	85
Net Cash From Continuing Operating Activities	72	80	89	31	43	73	65	89	85
Net Income / (Loss) Continuing Operations	56	64	67	37	56	56	66	72	77
Consolidated Net Income / (Loss)	56	64	67	37	56	56	66	72	77
Provision For Loan Losses	-	5.70	3.40	11	-8.08	-0.71	7.57	3.03	3.16
Depreciation Expense	3.29	3.22	2.71	2.94	3.07	3.04	3.11	2.94	3.20
Amortization Expense	7.90	6.67	1.15	1.40	-4.37	7.79	1.29	6.91	5.26
Non-Cash Adjustments to Reconcile Net Income	3.71	-0.33	-3.44	-7.75	12	-3.54	7.72	0.59	-1.97
Changes in Operating Assets and Liabilities, net	1.08	0.94	18	-13	-16	9.54	-20	4.12	-1.59
Net Cash From Investing Activities	-90	65	115	-380	-350	-335	133	32	-40
Net Cash From Continuing Investing Activities	-90	65	115	-380	-350	-335	133	32	-40
Purchase of Investment Securities	-379	-223	-93	-606	-570	-493	-188	-168	-232
Sale of Property, Leasehold Improvements and Equipment	0.12	2.26	1.22	0.00	0.02	1.37	0.57	0.00	0.40
Sale and/or Maturity of Investments	289	286	207	225	220	156	320	200	192
Net Cash From Financing Activities	-55	-124	-107	378	403	-33	-171	-125	-61
Net Cash From Continuing Financing Activities	-55	-124	-107	378	403	-33	-171	-125	-61
Net Change in Deposits	-22	-60	-19	354	426	-151	94	-83	41
Issuance of Debt	29	0.00	0.00	39	0.00	160	0.00	0.91	6.80
Repayment of Debt	-4.00	-29	0.00	0.00	-13	0.00	-234	-0.70	-48
Repurchase of Common Equity	0.00	-0.91	0.00	0.00	-4.91	-4.78	-8.91	-4.42	-4.51
Payment of Dividends	-57	-43	-225	-17	-17	-19	-22	-24	-27
Other Financing Activities, Net	-1.24	8.36	-1.76	1.30	11	-18	-0.82	-14	-30
Cash Interest Paid	6.65	7.83	10	6.44	5.93	6.86	33	65	58
Cash Income Taxes Paid	0.89	0.85	0.88	17	21	20	21	24	27

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 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	2.11	29	119	-65	-16	-42	74	-16	-41	-33	165
Net Cash From Operating Activities	17	13	27	20	26	17	30	14	17	24	29
Net Cash From Continuing Operating Activities	17	13	27	20	26	17	30	14	17	24	29
Net Income / (Loss) Continuing Operations	20	18	15	18	18	20	19	19	20	19	11
Consolidated Net Income / (Loss)	20	18	15	18	18	20	19	19	20	19	11
Provision For Loan Losses	0.48	1.11	0.53	1.18	0.60	0.73	0.58	0.53	0.60	1.46	-0.16
Depreciation Expense	0.75	0.75	0.73	0.73	0.75	0.74	0.76	0.78	0.81	0.85	0.97
Amortization Expense	5.54	2.13	1.85	1.78	1.70	1.57	1.57	1.39	1.21	1.09	-1.15
Non-Cash Adjustments to Reconcile Net Income	2.49	1.92	2.51	1.07	-2.61	-0.38	-1.59	0.10	0.25	-0.73	8.60
Changes in Operating Assets and Liabilities, net	-12	-11	5.89	-3.03	6.90	-5.64	10	-8.47	-5.45	2.29	9.05
Net Cash From Investing Activities	-31	-29	153	-34	3.61	-90	17	60	-50	-67	234
Net Cash From Continuing Investing Activities	-31	-29	153	-34	3.61	-90	17	60	-50	-67	234
Purchase of Investment Securities	-55	-65	54	-25	2.30	-135	-35	26	-173	-50	-205
Sale of Property, Leasehold Improvements and Equipment	0.07	0.04	0.00	-	-	0.00	0.19	-	0.15	0.06	0.00
Sale and/or Maturity of Investments	24	37	99	-9.52	1.31	45	52	35	122	-17	439
Net Cash From Financing Activities	17	45	-61	-51	-45	31	27	-90	-7.57	9.85	-97
Net Cash From Continuing Financing Activities	17	45	-61	-51	-45	31	27	-90	-7.57	9.85	-97
Net Change in Deposits	34	203	-41	-42	-38	38	66	-78	41	12	-72
Issuance of Debt	-	-	0.00	-	-	-	1.80	-	-	5.00	84
Repayment of Debt	-0.03	-165	0.00	-	-0.40	-0.30	-7.89	-	-40	-	-72
Repurchase of Common Equity	-1.71	-1.42	-3.41	-1.01	-	-	0.00	-2.90	-1.02	-0.59	-16
Payment of Dividends	-5.44	-5.45	-6.07	-6.04	-6.03	-6.04	-6.67	-6.65	-6.65	-6.64	-7.27
Other Financing Activities, Net	-9.83	14	-11	-2.53	-0.30	-0.06	-27	-2.14	-0.56	-	-14
Cash Interest Paid	9.97	11	16	15	17	17	15	14	15	14	16
Cash Income Taxes Paid	6.87	4.65	-0.75	11	7.53	6.55	0.00	14	6.90	5.58	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	2025
Period end date	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	3,250	3,245	3,667	4,314	4,287	5,073	5,033	5,071
Cash and Due from Banks	21	22	25	23	19	26	30	24
Interest Bearing Deposits at Other Banks	166	262	288	386	95	115	108	98
Trading Account Securities	805	685	996	1,284	1,390	1,287	1,204	1,278
Loans and Leases, Net of Allowance	0.00	0.00	2,215	2,476	2,595	3,364	3,424	3,415
Loans and Leases	-	-	2,247	2,500	2,620	3,404	3,466	3,456
Allowance for Loan and Lease Losses	-	-	32	24	25	40	42	42
Loans Held for Sale	2,127	2,146	15	2,481	0.62	2.32	1.59	1.26
Premises and Equipment, Net	55	54	53	52	50	65	67	74
Goodwill	24	24	24	29	29	60	60	60
Intangible Assets	5.45	4.03	2.80	1.94	1.07	21	18	15
Other Assets	48	48	49	56	106	132	121	107
Total Liabilities & Shareholders' Equity	3,250	3,245	3,667	4,314	4,287	5,073	5,033	5,071
Total Liabilities	2,909	2,912	3,303	3,902	3,913	4,584	4,488	4,456
Non-Interest Bearing Deposits	665	689	883	1,088	995	1,072	1,046	1,049
Interest Bearing Deposits	2,131	2,088	2,248	2,651	2,592	3,329	3,272	3,310
Short-Term Debt	46	44	46	61	43	42	29	0.00
Long-Term Debt	38	38	77	77	237	105	106	65
Other Long-Term Liabilities	29	53	49	26	46	35	35	31
Commitments & Contingencies	0.00	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	615
Total Preferred & Common Equity	340	333	364	412	374	489	545	615
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	340	333	364	412	374	489	545	615
Common Stock	32	191	191	221	223	296	298	299
Retained Earnings	315	134	155	194	232	269	317	367
Treasury Stock	-3.02	-	0.00	-4.91	-9.69	-19	-23	-28
Accumulated Other Comprehensive Income / (Loss)	-4.29	7.83	18	1.47	-72	-57	-47	-23

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	Q3 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	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	9/30/2025	3/31/2026
Total Assets	4,213	5,014	4,976	4,992	5,041	5,006	4,991	5,092	5,018	5,035	6,774
Cash and Due from Banks	22	35	28	25	20	23	27	25	26	22	37
Interest Bearing Deposits at Other Banks	56	142	82	87	240	173	153	187	170	133	250
Trading Account Securities	1,405	1,396	1,361	1,286	1,192	1,187	1,221	1,202	1,261	1,266	1,490
Loans and Leases, Net of Allowance	2,555	3,157	3,207	3,304	3,305	3,345	3,329	3,420	3,307	3,358	4,626
Loans and Leases	2,580	-	3,245	3,343	3,346	3,385	3,370	3,462	3,348	3,400	4,687
Allowance for Loan and Lease Losses	25	-3,157	38	39	41	41	41	42	42	42	60
Loans Held for Sale	2.30	5.13	8.83	3.56	3.48	0.86	2.96	2.72	2.32	1.43	3.25
Premises and Equipment, Net	51	65	65	65	65	66	66	67	69	70	91
Goodwill	29	60	60	60	60	60	60	60	60	60	84
Intangible Assets	1.21	23	22	21	20	19	19	17	16	16	44
Other Assets	91	3,287	142	140	134	133	114	111	108	109	147
Total Liabilities & Shareholders' Equity	4,213	5,014	4,976	4,992	5,041	5,006	4,991	5,092	5,018	5,035	6,774
Total Liabilities	3,854	4,564	4,525	4,536	4,544	4,497	4,453	4,527	4,438	4,436	6,026
Non-Interest Bearing Deposits	1,018	1,219	1,126	1,087	1,047	1,046	1,008	1,066	1,034	1,034	1,342
Interest Bearing Deposits	2,626	3,092	3,039	3,111	3,314	3,273	3,272	3,319	3,272	3,313	4,461
Short-Term Debt	48	35	39	29	32	29	29	2.70	0.56	0.00	5.05
Long-Term Debt	137	167	270	270	105	106	106	100	100	60	149
Other Long-Term Liabilities	26	51	52	39	46	43	38	40	31	29	69
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	359	450	451	456	497	509	538	565	581	599	747
Total Preferred & Common Equity	359	450	451	456	497	509	538	565	581	599	747
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	359	450	451	456	497	509	538	565	581	599	747
Common Stock	223	295	295	296	296	297	297	297	298	298	447
Retained Earnings	223	229	242	256	278	290	303	329	342	355	371
Treasury Stock	-9.69	-11	-15	-17	-22	-23	-23	-23	-26	-27	-43
Accumulated Other Comprehensive Income / (Loss)	-77	-62	-71	-78	-56	-55	-39	-38	-33	-27	-27

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	2025
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	12/31/2025
DEI Shares Outstanding	-	-	-	-	-	-	-	-	31,431,924.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	31,431,924.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	2.45
Growth Metrics	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	4.22%	3.65%	-8.70%	5.04%	13.06%	25.76%	-1.19%	5.64%
EBITDA Growth	0.00%	9.37%	1.90%	-29.03%	39.60%	15.62%	15.14%	7.02%	5.34%
EBIT Growth	0.00%	13.51%	11.53%	-31.26%	54.44%	-0.49%	16.26%	9.94%	7.31%
NOPAT Growth	0.00%	13.72%	4.81%	-44.90%	52.72%	0.33%	16.63%	9.02%	7.28%
Net Income Growth	0.00%	13.72%	4.81%	-44.90%	52.72%	0.33%	16.63%	9.02%	7.28%
EPS Growth	0.00%	14.19%	-5.93%	-59.76%	50.75%	-3.47%	6.15%	9.18%	7.96%
Operating Cash Flow Growth	0.00%	10.98%	11.37%	-64.92%	37.65%	68.71%	-9.31%	35.76%	-4.81%
Free Cash Flow Firm Growth	0.00%	0.00%	121.10%	-145.71%	78.83%	-542.45%	275.41%	-64.54%	156.85%
Invested Capital Growth	0.00%	0.00%	-2.16%	17.26%	13.08%	18.85%	-2.61%	6.66%	0.22%
Revenue Q/Q Growth	0.00%	0.00%	0.00%	1.51%	24.34%	4.55%	2.81%	1.24%	0.60%
EBITDA Q/Q Growth	0.00%	0.00%	0.00%	2.36%	44.47%	14.71%	8.12%	9.47%	-1.61%
EBIT Q/Q Growth	0.00%	0.00%	0.00%	2.61%	67.38%	-1.37%	8.81%	2.75%	-1.40%
NOPAT Q/Q Growth	0.00%	0.00%	0.00%	-8.55%	1.72%	-0.80%	8.77%	2.61%	-1.70%
Net Income Q/Q Growth	0.00%	0.00%	0.00%	-8.55%	1.72%	-0.80%	8.77%	2.61%	-1.70%
EPS Q/Q Growth	0.00%	0.00%	0.00%	-3.60%	0.50%	-1.02%	6.15%	3.20%	-1.61%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	10.10%	16.97%	-31.74%	10.93%	-13.75%	5.05%	8.44%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	0.00%	-125.26%	-389.24%	155.22%	-80.72%	-17.52%
Invested Capital Q/Q Growth	0.00%	0.00%	0.00%	1.88%	9.21%	20.12%	-15.66%	1.00%	3.25%
Profitability Metrics	-	-	-	-	-	-	-	-	-
EBITDA Margin	44.22%	46.40%	45.62%	35.46%	47.12%	48.19%	44.12%	47.78%	47.65%
EBIT Margin	36.95%	40.25%	43.30%	32.60%	47.93%	42.19%	39.00%	43.39%	44.08%
Profit (Net Income) Margin	36.39%	39.71%	40.15%	24.23%	35.23%	31.26%	28.99%	31.98%	32.48%
Tax Burden Percent	98.47%	98.66%	92.71%	74.32%	73.50%	74.10%	74.33%	73.71%	73.69%
Interest Burden Percent	100.00%	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%	26.31%
Return on Invested Capital (ROIC)	0.00%	30.09%	15.94%	8.17%	10.86%	9.38%	10.20%	10.91%	11.33%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	30.09%	15.94%	8.17%	10.86%	9.38%	10.20%	10.91%	11.33%
Return on Net Nonoperating Assets (RNNOA)	0.00%	7.40%	3.92%	2.40%	3.65%	5.00%	5.05%	2.97%	1.95%
Return on Equity (ROE)	0.00%	37.49%	19.86%	10.58%	14.51%	14.37%	15.26%	13.88%	13.28%
Cash Return on Invested Capital (CROIC)	0.00%	-169.91%	18.13%	-7.71%	-1.42%	-7.85%	12.85%	4.47%	11.10%
Operating Return on Assets (OROA)	0.00%	1.99%	2.22%	1.43%	1.92%	1.77%	1.89%	1.93%	2.07%
Return on Assets (ROA)	0.00%	1.96%	2.06%	1.07%	1.41%	1.31%	1.41%	1.42%	1.52%
Return on Common Equity (ROCE)	0.00%	37.49%	19.86%	10.58%	14.51%	14.37%	15.26%	13.88%	13.28%
Return on Equity Simple (ROE_SIMPLE)	0.00%	18.74%	20.08%	10.12%	13.66%	15.11%	13.45%	13.18%	12.51%
Net Operating Profit after Tax (NOPAT)	56	64	67	37	56	56	66	72	77
NOPAT Margin	36.39%	39.71%	40.15%	24.23%	35.23%	31.26%	28.99%	31.98%	32.48%
Net Nonoperating Expense Percent (NNEP)	0.00%	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%	45.90%
Operating Expenses to Revenue	61.01%	56.21%	54.65%	60.47%	57.12%	58.20%	57.66%	55.26%	54.59%
Earnings before Interest and Taxes (EBIT)	57	65	72	50	77	76	89	97	105
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	68	75	76	54	75	87	100	107	113
Valuation Ratios	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.39	1.31	1.00	1.20	1.39	1.31	1.26	1.31
Price to Tangible Book Value (P/TBV)	0.00	0.43	1.43	1.08	1.30	1.51	1.56	1.47	1.49
Price to Revenue (P/Rev)	0.86	0.83	2.62	2.39	3.09	2.87	2.81	3.05	3.40
Price to Earnings (P/E)	2.37	2.08	6.53	9.88	8.77	9.19	9.70	9.54	10.47
Dividend Yield	0.00%	0.00%	0.00%	4.52%	3.53%	3.55%	3.37%	3.50%	3.28%
Earnings Yield	42.25%	48.04%	15.31%	10.12%	11.40%	10.89%	10.31%	10.48%	9.55%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.07	0.56	0.36	0.40	1.05	1.01	1.00	1.10
Enterprise Value to Revenue (EV/Rev)	0.00	0.18	1.41	1.15	1.39	3.79	2.84	3.04	3.16
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.39	3.09	3.23	2.95	7.87	6.44	6.36	6.63
Enterprise Value to EBIT (EV/EBIT)	0.00	0.45	3.25	3.52	2.90	8.99	7.28	7.00	7.17
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.46	3.51	4.73	3.94	12.13	9.80	9.50	9.73
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.37	2.63	5.58	5.16	9.43	9.80	7.63	8.81
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	3.08	0.00	0.00	0.00	7.78	23.20	9.92
Leverage & Solvency	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.25	0.25	0.34	0.34	0.75	0.30	0.25	0.11
Long-Term Debt to Equity	0.00	0.11	0.11	0.21	0.19	0.63	0.21	0.19	0.11
Financial Leverage	0.00	0.25	0.25	0.29	0.34	0.53	0.50	0.27	0.17
Leverage Ratio	0.00	9.55	9.65	9.92	10.29	10.95	10.84	9.77	8.71
Compound Leverage Factor	0.00	9.55	9.65	9.92	10.29	10.95	10.84	9.77	8.71
Debt to Total Capital	0.00%	19.74%	19.77%	25.20%	25.14%	42.86%	23.13%	19.82%	9.58%
Short-Term Debt to Total Capital	0.00%	10.89%	10.71%	9.40%	11.13%	6.59%	6.66%	4.27%	0.00%
Long-Term Debt to Total Capital	0.00%	8.85%	9.06%	15.80%	14.00%	36.27%	16.47%	15.55%	9.58%
Preferred Equity to Total Capital	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%
Common Equity to Total Capital	0.00%	80.26%	80.23%	74.80%	74.86%	57.14%	76.87%	80.18%	90.42%
Debt to EBITDA	0.00	1.12	1.08	2.27	1.84	3.22	1.47	1.26	0.58
Net Debt to EBITDA	0.00	-1.39	-2.66	-3.52	-3.61	1.91	0.06	-0.03	-0.51
Long-Term Debt to EBITDA	0.00	0.50	0.49	1.43	1.02	2.73	1.05	0.99	0.58
Debt to NOPAT	0.00	1.31	1.23	3.33	2.46	4.96	2.24	1.88	0.85
Net Debt to NOPAT	0.00	-1.62	-3.02	-5.15	-4.82	2.94	0.09	-0.04	-0.74
Long-Term Debt to NOPAT	0.00	0.59	0.56	2.09	1.37	4.20	1.59	1.47	0.85
Noncontrolling Interest Sharing Ratio	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)	0.00	-360	76	-35	-7.36	-47	83	29	76
Operating Cash Flow to CapEx	0.00%	0.00%	0.00%	625,100.00%	0.00%	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	1.33
Operating Cash Flow to Interest Expense	10.93	10.01	8.97	4.84	7.39	10.11	1.74	1.42	1.50
Operating Cash Flow Less CapEx to Interest Expense	10.95	10.29	9.09	4.84	7.40	10.30	1.75	1.42	1.50
Efficiency Ratios	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.05	0.05	0.04	0.04	0.04	0.05	0.04	0.05
Fixed Asset Turnover	0.00	2.94	3.06	2.85	3.03	3.51	3.93	3.40	3.38
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-
Invested Capital	0.00	424	415	487	550	654	637	679	681
Invested Capital Turnover	0.00	0.76	0.40	0.34	0.31	0.30	0.35	0.34	0.35
Increase / (Decrease) in Invested Capital	0.00	424	-9.17	72	64	104	-17	42	1.50
Enterprise Value (EV)	0.00	29	234	174	222	685	645	682	749
Market Capitalization	133	133	437	364	493	519	639	685	806
Book Value per Share	$0.00	$18.86	$12.12	$13.25	$14.18	$12.99	$15.44	$17.26	$19.58
Tangible Book Value per Share	$0.00	$17.25	$11.12	$12.29	$13.10	$11.94	$12.90	$14.80	$17.20
Total Capital	0.00	424	415	487	550	654	637	679	681
Total Debt	0.00	84	82	123	138	280	147	135	65
Total Long-Term Debt	0.00	38	38	77	77	237	105	106	65
Net Debt	0.00	-103	-202	-190	-271	166	6.08	-3.09	-57
Capital Expenditures (CapEx)	-0.12	-2.26	-1.17	0.01	-0.02	-1.37	-0.57	-0.00	-0.40
Net Nonoperating Expense (NNE)	0.00	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	65
Total Depreciation and Amortization (D&A)	11	9.89	3.86	4.34	-1.29	11	12	9.86	8.46
Earnings Adjustments	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.00	$0.00	$3.33	$1.34	$2.02	$1.95	$2.08	$2.27	$2.44
Adjusted Weighted Average Basic Shares Outstanding	0.00	0.00	27.46M	27.41M	28.99M	28.85M	31.63M	31.59M	31.50M
Adjusted Diluted Earnings per Share	$0.00	$0.00	$3.33	$1.34	$2.02	$1.95	$2.07	$2.26	$2.44
Adjusted Weighted Average Diluted Shares Outstanding	0.00	0.00	27.46M	27.41M	28.99M	28.92M	31.64M	31.56M	31.43M
Adjusted Basic & Diluted Earnings per Share	$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	0.00	0.00	20.09M	27.46M	27.80M	32.15M	31.64M	31.56M	31.43M
Normalized Net Operating Profit after Tax (NOPAT)	56	64	67	37	56	56	66	72	77
Normalized NOPAT Margin	36.39%	39.71%	40.15%	24.23%	35.23%	31.26%	28.99%	31.98%	32.60%
Pre Tax Income Margin	36.95%	40.25%	43.30%	32.60%	47.93%	42.19%	39.00%	43.39%	44.08%
Debt Service Ratios	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	8.64	8.09	7.26	7.67	13.16	10.61	2.34	1.55	1.84
NOPAT to Interest Expense	8.51	7.98	6.73	5.70	9.67	7.86	1.74	1.14	1.35
EBIT Less CapEx to Interest Expense	8.66	8.38	7.38	7.67	13.16	10.80	2.35	1.55	1.84
NOPAT Less CapEx to Interest Expense	8.53	8.27	6.85	5.70	9.67	8.05	1.75	1.14	1.36
Payout Ratios	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	101.72%	66.81%	336.43%	44.83%	29.77%	32.92%	33.22%	33.69%	34.55%
Augmented Payout Ratio	101.72%	68.23%	336.43%	44.83%	38.49%	41.39%	46.75%	39.85%	40.40%

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	-	-	-	31,431,924.00	31,431,924.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	31,431,924.00	31,431,924.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	-	-	-	0.60	0.36
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	26.62%	12.42%	-3.61%	-3.65%	-2.30%	4.87%	10.90%	3.81%	6.02%	2.38%	16.06%
EBITDA Growth	20.82%	37.38%	73.52%	4.34%	-18.06%	7.39%	20.48%	19.39%	-5.85%	-6.22%	-46.55%
EBIT Growth	25.32%	40.73%	69.15%	-0.36%	-7.91%	10.52%	24.29%	5.63%	9.05%	-5.42%	-40.99%
NOPAT Growth	26.16%	40.38%	65.70%	-2.18%	-7.79%	9.90%	25.02%	6.42%	8.72%	-6.58%	-41.28%
Net Income Growth	26.16%	40.38%	65.70%	-2.18%	-7.79%	9.90%	25.02%	6.42%	8.72%	-6.58%	-41.28%
EPS Growth	14.81%	26.67%	60.00%	-1.72%	-8.06%	12.28%	25.00%	7.02%	10.53%	-6.25%	-43.33%
Operating Cash Flow Growth	-8.72%	-44.71%	24.58%	35.22%	52.68%	33.12%	13.70%	-31.54%	-32.70%	38.30%	-6.30%
Free Cash Flow Firm Growth	-665.66%	139.20%	125.78%	155.49%	152.74%	-162.27%	-143.34%	-112.88%	-67.27%	178.86%	-1,411.78%
Invested Capital Growth	38.70%	-2.61%	-2.88%	-15.08%	-10.93%	6.66%	5.34%	5.63%	-1.96%	0.22%	35.11%
Revenue Q/Q Growth	-1.73%	-2.56%	-7.06%	8.27%	-0.35%	4.59%	-1.72%	1.35%	1.76%	1.01%	11.41%
EBITDA Q/Q Growth	25.00%	-15.93%	13.05%	18.90%	-1.84%	10.18%	-6.31%	2.50%	0.77%	-3.09%	-46.60%
EBIT Q/Q Growth	6.29%	-6.87%	-17.23%	21.61%	-1.76%	11.77%	-6.92%	3.35%	1.42%	-3.06%	-41.92%
NOPAT Q/Q Growth	6.72%	-6.44%	-17.28%	18.43%	0.61%	11.51%	-5.90%	0.81%	2.78%	-4.18%	-40.86%
Net Income Q/Q Growth	6.72%	-6.44%	-17.28%	18.43%	0.61%	11.51%	-5.90%	0.81%	2.78%	-4.18%	-40.86%
EPS Q/Q Growth	6.90%	-8.06%	-15.79%	18.75%	0.00%	12.28%	-6.25%	1.67%	3.28%	-4.76%	-43.33%
Operating Cash Flow Q/Q Growth	14.17%	-22.33%	106.21%	-26.05%	28.91%	-32.28%	76.13%	-55.48%	26.72%	39.18%	19.32%
Free Cash Flow Firm Q/Q Growth	20.05%	118.59%	-4.11%	289.27%	-24.02%	-121.95%	33.25%	-15.66%	293.12%	-47.10%	-1,379.51%
Invested Capital Q/Q Growth	-0.57%	-15.66%	-0.51%	1.78%	4.28%	1.00%	-1.74%	2.06%	-3.21%	3.25%	32.47%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	56.96%	49.14%	44.16%	48.50%	47.77%	50.33%	47.97%	48.52%	48.05%	46.10%	22.09%
EBIT Margin	46.08%	44.04%	39.22%	44.06%	43.43%	46.41%	43.96%	44.83%	44.67%	42.88%	22.35%
Profit (Net Income) Margin	34.13%	32.77%	29.17%	31.90%	32.21%	34.34%	32.88%	32.71%	33.03%	31.33%	16.63%
Tax Burden Percent	74.07%	74.41%	74.36%	72.42%	74.16%	73.99%	74.80%	72.96%	73.94%	73.08%	74.42%
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	25.93%	25.59%	25.64%	27.58%	25.84%	26.01%	25.20%	27.04%	26.06%	26.92%	25.58%
Return on Invested Capital (ROIC)	11.60%	11.53%	10.21%	10.13%	10.00%	11.71%	11.63%	11.46%	11.69%	10.93%	5.22%
ROIC Less NNEP Spread (ROIC-NNEP)	11.60%	11.53%	10.21%	10.13%	10.00%	11.71%	11.63%	11.46%	11.69%	10.93%	5.22%
Return on Net Nonoperating Assets (RNNOA)	6.89%	5.71%	3.66%	4.68%	4.36%	3.19%	2.62%	2.48%	2.01%	1.88%	1.02%
Return on Equity (ROE)	18.49%	17.25%	13.87%	14.82%	14.37%	14.91%	14.25%	13.93%	13.70%	12.81%	6.25%
Cash Return on Invested Capital (CROIC)	-23.11%	12.85%	14.10%	26.49%	21.36%	4.47%	6.42%	6.10%	13.75%	11.10%	-21.05%
Operating Return on Assets (OROA)	2.21%	2.14%	1.76%	1.97%	1.93%	2.06%	2.00%	2.08%	2.10%	2.01%	0.93%
Return on Assets (ROA)	1.64%	1.59%	1.31%	1.43%	1.43%	1.53%	1.49%	1.52%	1.55%	1.47%	0.69%
Return on Common Equity (ROCE)	18.49%	17.25%	13.87%	14.82%	14.37%	14.91%	14.25%	13.93%	13.70%	12.81%	6.25%
Return on Equity Simple (ROE_SIMPLE)	13.27%	0.00%	14.47%	14.03%	13.01%	0.00%	13.38%	13.21%	13.08%	0.00%	9.25%
Net Operating Profit after Tax (NOPAT)	20	18	15	18	18	20	19	19	20	19	11
NOPAT Margin	34.13%	32.77%	29.17%	31.90%	32.21%	34.34%	32.88%	32.71%	33.03%	31.33%	16.63%
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	44.59%	44.35%	50.68%	45.23%	46.92%	43.39%	47.00%	45.55%	45.21%	45.86%	64.83%
Operating Expenses to Revenue	53.09%	53.98%	59.77%	53.87%	55.50%	52.36%	55.05%	54.28%	54.33%	54.70%	77.88%
Earnings before Interest and Taxes (EBIT)	27	25	21	25	25	27	26	26	27	26	15
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	33	28	23	27	27	30	28	29	29	28	15
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	1.23	1.31	1.19	1.25	1.28	1.26	1.25	1.37	1.32	1.31	1.12
Price to Tangible Book Value (P/TBV)	1.49	1.56	1.42	1.49	1.50	1.47	1.45	1.57	1.52	1.49	1.36
Price to Revenue (P/Rev)	2.53	2.81	2.63	2.87	3.11	3.05	3.07	3.42	3.37	3.40	3.41
Price to Earnings (P/E)	9.24	9.70	8.22	8.94	9.87	9.54	9.36	10.34	10.13	10.47	12.15
Dividend Yield	3.82%	3.37%	3.75%	3.56%	3.38%	3.50%	3.48%	3.17%	3.25%	3.28%	3.22%
Earnings Yield	10.82%	10.31%	12.16%	11.18%	10.13%	10.48%	10.69%	9.67%	9.87%	9.55%	8.23%
Enterprise Value to Invested Capital (EV/IC)	0.99	1.01	0.74	0.90	0.96	1.00	0.90	1.03	1.06	1.10	0.78
Enterprise Value to Revenue (EV/Rev)	3.38	2.84	2.08	2.60	2.91	3.04	2.60	3.01	2.96	3.16	2.87
Enterprise Value to EBITDA (EV/EBITDA)	8.05	6.44	4.55	5.58	6.59	6.36	5.34	5.99	6.09	6.63	7.06
Enterprise Value to EBIT (EV/EBIT)	9.17	7.28	4.82	5.98	6.81	7.00	5.84	6.73	6.59	7.17	7.51
Enterprise Value to NOPAT (EV/NOPAT)	12.33	9.80	6.51	8.10	9.23	9.50	7.91	9.10	8.92	9.73	10.22
Enterprise Value to Operating Cash Flow (EV/OCF)	9.78	9.80	6.58	7.60	7.59	7.63	6.43	8.05	8.91	8.81	8.50
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	7.78	5.16	3.12	4.23	23.20	14.32	17.27	7.63	9.92	0.00
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.65	0.30	0.28	0.27	0.25	0.25	0.18	0.17	0.10	0.11	0.21
Long-Term Debt to Equity	0.59	0.21	0.21	0.21	0.20	0.19	0.18	0.17	0.10	0.11	0.20
Financial Leverage	0.59	0.50	0.36	0.46	0.44	0.27	0.23	0.22	0.17	0.17	0.20
Leverage Ratio	11.29	10.84	10.62	10.39	10.04	9.77	9.54	9.19	8.82	8.71	9.04
Compound Leverage Factor	11.29	10.84	10.62	10.39	10.04	9.77	9.54	9.19	8.82	8.71	9.04
Debt to Total Capital	39.57%	23.13%	21.61%	21.00%	20.05%	19.82%	15.33%	14.72%	9.13%	9.58%	17.11%
Short-Term Debt to Total Capital	3.83%	6.66%	5.03%	4.55%	4.32%	4.27%	0.40%	0.08%	0.00%	0.00%	0.56%
Long-Term Debt to Total Capital	35.74%	16.47%	16.58%	16.45%	15.73%	15.55%	14.93%	14.64%	9.13%	9.58%	16.55%
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	60.43%	76.87%	78.39%	79.00%	79.95%	80.18%	84.67%	85.28%	90.87%	90.42%	82.89%
Debt to EBITDA	3.22	1.47	1.33	1.30	1.38	1.26	0.91	0.86	0.52	0.58	1.54
Net Debt to EBITDA	2.02	0.06	-1.20	-0.58	-0.46	-0.03	-0.98	-0.82	-0.83	-0.51	-1.33
Long-Term Debt to EBITDA	2.91	1.05	1.02	1.02	1.08	0.99	0.89	0.86	0.52	0.58	1.49
Debt to NOPAT	4.94	2.24	1.90	1.89	1.93	1.88	1.35	1.31	0.77	0.85	2.23
Net Debt to NOPAT	3.09	0.09	-1.72	-0.84	-0.64	-0.04	-1.45	-1.24	-1.21	-0.74	-1.93
Long-Term Debt to NOPAT	4.46	1.59	1.46	1.48	1.51	1.47	1.32	1.30	0.77	0.85	2.16
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)	-191	36	34	133	101	-22	-15	-17	33	17	-223
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	-17.75	2.48	2.23	8.39	6.15	-1.44	-1.02	-1.20	2.30	1.26	-14.44
Operating Cash Flow to Interest Expense	1.55	0.91	1.75	1.25	1.56	1.12	2.11	0.95	1.20	1.73	1.85
Operating Cash Flow Less CapEx to Interest Expense	1.56	0.91	1.75	1.25	1.56	1.12	2.12	0.95	1.21	1.73	1.85
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.05	0.05	0.04	0.04	0.04	0.04	0.05	0.05	0.05	0.05	0.04
Fixed Asset Turnover	3.82	3.93	3.47	3.41	3.39	3.40	3.49	3.46	3.47	3.38	3.11
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	755	637	634	645	672	679	667	681	659	681	902
Invested Capital Turnover	0.34	0.35	0.35	0.32	0.31	0.34	0.35	0.35	0.35	0.35	0.31
Increase / (Decrease) in Invested Capital	211	-17	-19	-114	-83	42	34	36	-13	1.50	234
Enterprise Value (EV)	746	645	468	579	646	682	598	699	699	749	707
Market Capitalization	559	639	591	639	691	685	707	794	794	806	840
Book Value per Share	$14.33	$15.44	$15.70	$16.13	$17.04	$17.26	$17.90	$18.44	$19.02	$19.58	$23.78
Tangible Book Value per Share	$11.78	$12.90	$13.17	$13.62	$14.55	$14.80	$15.47	$16.02	$16.62	$17.20	$19.71
Total Capital	755	637	634	645	672	679	667	681	659	681	902
Total Debt	299	147	137	135	135	135	102	100	60	65	154
Total Long-Term Debt	270	105	105	106	106	106	100	100	60	65	149
Net Debt	187	6.08	-123	-60	-45	-3.09	-109	-95	-95	-57	-133
Capital Expenditures (CapEx)	-0.07	-0.04	0.00	0.00	0.00	-0.00	-0.19	0.00	-0.15	-0.06	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)	299	147	137	135	135	135	102	100	60	65	154
Total Depreciation and Amortization (D&A)	6.29	2.87	2.58	2.52	2.45	2.31	2.33	2.17	2.02	1.95	-0.17
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.62	$0.58	$0.48	$0.57	$0.58	$0.64	$0.60	$0.61	$0.63	$0.60	$0.34
Adjusted Weighted Average Basic Shares Outstanding	31.83M	31.63M	31.66M	31.58M	31.56M	31.59M	31.58M	31.51M	31.48M	31.50M	33.18M
Adjusted Diluted Earnings per Share	$0.62	$0.57	$0.48	$0.57	$0.57	$0.64	$0.60	$0.61	$0.63	$0.60	$0.34
Adjusted Weighted Average Diluted Shares Outstanding	31.71M	31.64M	31.59M	31.56M	31.56M	31.56M	31.50M	31.50M	31.43M	31.43M	36.38M
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	31.71M	31.64M	31.59M	31.56M	31.56M	31.56M	31.50M	31.50M	31.43M	31.43M	36.38M
Normalized Net Operating Profit after Tax (NOPAT)	20	18	15	18	18	20	19	19	20	19	11
Normalized NOPAT Margin	34.13%	32.77%	29.17%	31.90%	32.21%	34.34%	32.88%	32.71%	33.52%	31.33%	16.63%
Pre Tax Income Margin	46.08%	44.04%	39.22%	44.06%	43.43%	46.41%	43.96%	44.83%	44.67%	42.88%	22.35%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	2.47	1.73	1.34	1.58	1.50	1.78	1.77	1.85	1.86	1.87	0.97
NOPAT to Interest Expense	1.83	1.29	1.00	1.14	1.11	1.32	1.32	1.35	1.38	1.37	0.72
EBIT Less CapEx to Interest Expense	2.48	1.73	1.34	1.58	1.50	1.78	1.78	1.85	1.87	1.88	0.97
NOPAT Less CapEx to Interest Expense	1.84	1.29	1.00	1.14	1.11	1.32	1.33	1.35	1.39	1.37	0.72
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	34.79%	33.22%	31.21%	32.17%	33.72%	33.69%	32.78%	33.08%	33.20%	34.55%	39.36%
Augmented Payout Ratio	47.16%	46.75%	46.13%	42.73%	42.07%	39.85%	34.12%	36.86%	38.20%	40.40%	68.63%

Financials Breakdown Chart

Key Financial Trends

HBT Financial’s recent results show a bank that is still profitable, but its near-term trend has softened from late 2025 into early 2026. In Q1 2026, net income fell to $11.2 million from $18.9 million in Q4 2025, while diluted EPS slipped to $0.34 from $0.60. Revenue also declined sequentially, even though the company continued to generate solid operating cash flow and maintained a strong liquidity position.

From a longer-term perspective, HBT has grown both its balance sheet and its earnings power since 2023, but margins and funding costs have become more volatile. Loans, deposits, and equity are all meaningfully higher than they were two years ago. At the same time, interest expense has risen sharply versus 2023, and quarterly earnings have become less consistent, especially when comparing the stronger Q4 2025 period with Q1 2026.

Operating cash flow remained strong in Q1 2026, with $28.5 million of net cash from operations, supporting the bank’s core earning power.
Net cash and equivalents increased by $165.4 million in Q1 2026, helped by a large inflow from investing activities.
Loan balances continued to expand year over year, with net loans and leases rising to $4.63 billion in Q1 2026 from $3.42 billion in Q1 2025.
Total assets grew to $6.77 billion in Q1 2026, up from $5.09 billion a year earlier, showing continued balance sheet expansion.
Book equity improved meaningfully, with total common equity at $747.4 million versus $565.1 million in Q1 2025.
Non-interest income provided a healthy boost, contributing $10.9 million in Q1 2026, including other non-interest income of $9.1 million.
Credit costs were light in Q1 2026, with a $156,000 provision for credit losses, suggesting limited near-term loan loss pressure.
Net interest income declined sequentially to $56.4 million in Q1 2026 from $50.5 million in Q4 2025, but remained above prior-year levels.
HBT continued returning capital to shareholders through dividends and buybacks, though repurchases varied quarter to quarter.
Q1 2026 earnings weakened sharply from Q4 2025, with net income falling 41% sequentially to $11.2 million and EPS dropping to $0.34.
Interest expense has risen materially versus 2023, which has pressured profitability even as interest income has also grown.
Funding costs and deposit movement remain a key risk; Q1 2026 showed a $72.4 million decline in deposits, which can affect future margin stability.
Non-interest expense remains elevated, with Q1 2026 operating expenses still large relative to revenue, limiting margin expansion.

Bottom line: HBT Financial looks financially stable and still profitable, with a growing asset base and respectable cash generation. However, investors should watch the sustainability of earnings, deposit trends, and interest margin pressure, since the latest quarter points to some cooling after a stronger finish to 2025.

06/25/26 02:43 AM ETAI Generated. May Contain Errors.

HBT Financial Financials - Frequently Asked Questions

According to the most recent income statement we have on file, HBT Financial's fiscal year ends in December. Their fiscal year 2025 ended on December 31, 2025.

HBT Financial's net income appears to be on an upward trend, with a most recent value of $77.01 million in 2025, rising from $56.10 million in 2017. The previous period was $71.78 million in 2024. Check out HBT Financial's forecast to explore projected trends and price targets.

Over the last 8 years, HBT Financial's total revenue changed from $154.17 million in 2017 to $237.09 million in 2025, a change of 53.8%.

HBT Financial's total liabilities were at $4.46 billion at the end of 2025, a 0.7% decrease from 2024, and a 53.2% increase since 2018.

In the past 7 years, HBT Financial's cash and equivalents has ranged from $18.97 million in 2022 to $29.55 million in 2024, and is currently $24.42 million as of their latest financial filing in 2025.

Over the last 8 years, HBT Financial's book value per share changed from 0.00 in 2017 to 19.58 in 2025, a change of 1,958.2%.

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Financial statements for NASDAQ:HBT last updated on 5/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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HBT Financial (HBT) Financials

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HBT Financial (HBT) Financials

Annual Income Statements for HBT Financial

Quarterly Income Statements for HBT Financial

Annual Cash Flow Statements for HBT Financial

Quarterly Cash Flow Statements for HBT Financial

Annual Balance Sheets for HBT Financial

Quarterly Balance Sheets for HBT Financial

Annual Metrics And Ratios for HBT Financial

Quarterly Metrics And Ratios for HBT Financial

Financials Breakdown Chart

Key Financial Trends

HBT Financial Financials - Frequently Asked Questions

When does HBT Financial's financial year end?

How has HBT Financial's net income changed over the last 8 years?

How has HBT Financial's revenue changed over the last 8 years?

How much debt does HBT Financial have?

How much cash does HBT Financial have?

How has HBT Financial's book value per share changed over the last 8 years?

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