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HBT Financial (HBT) Financials

HBT Financial logo
$36.58 -0.10 (-0.27%)
Closing price 04:00 PM Eastern
Extended Trading
$36.60 +0.02 (+0.07%)
As of 07:30 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 Massive. Learn more.
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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 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

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Income / (Loss) Attributable to Common Shareholders		 18 15 18 18 20 19 19 20 19 11 28
Consolidated Net Income / (Loss)		 18 15 18 18 20 19 19 20 19 11 28
Net Income / (Loss) Continuing Operations		 18 15 18 18 20 19 19 20 19 11 28
Total Pre-Tax Income 		25 21 25 25 27 26 26 27 26 15 38
Total Revenue		 56 52 57 56 59 58 59 60 60 67 81
Net Interest Income / (Expense)		 47 47 47 48 47 49 50 50 51 56 69
Total Interest Income		 61 62 63 64 63 63 64 64 64 72 89
Loans and Leases Interest Income		 53 53 53 55 54 55 54 54 54 60 75
Investment Securities Interest Income		 7.10 6.80 6.84 6.96 7.19 7.41 7.89 8.78 8.84 10 12
Deposits and Money Market Investments Interest Income		 0.79 1.95 2.57 2.23 1.52 1.07 1.54 1.35 1.54 1.28 1.02
Other Interest Income		 0.34 0.19 0.14 0.15 0.30 0.13 0.11 0.14 0.16 0.16 0.18
Total Interest Expense		 14 15 16 16 15 14 14 14 14 15 20
Deposits Interest Expense		 11 14 14 15 14 13 13 13 13 14 17
Long-Term Debt Interest Expense		 2.95 1.53 1.53 1.60 1.55 1.47 1.43 1.36 0.93 1.33 2.26
Federal Funds Purchased and Securities Sold Interest Expense		 0.15 0.15 0.13 0.13 0.18 0.02 0.00 0.00 - 0.02 0.01
Total Non-Interest Income		 9.21 5.63 9.61 8.71 12 9.31 9.14 9.85 9.90 11 12
Other Service Charges		 1.90 2.00 1.81 1.97 1.85 1.79 1.82 1.84 1.78 1.84 2.08
Net Realized & Unrealized Capital Gains on Investments		 0.69 -3.65 0.32 0.55 0.02 0.33 0.37 0.41 0.10 0.05 0.47
Other Non-Interest Income		 6.62 7.28 7.48 6.19 9.76 7.19 6.95 7.60 8.02 9.06 9.29
Provision for Credit Losses		 1.11 0.53 1.18 0.60 0.73 0.58 0.53 0.60 1.46 -0.16 0.68
Total Non-Interest Expense		 30 31 31 31 31 32 32 33 33 52 42
Salaries and Employee Benefits		 18 19 19 19 18 20 20 20 20 27 26
Net Occupancy & Equipment Expense		 5.68 6.06 5.40 5.78 6.23 5.79 5.73 6.35 6.89 16 8.20
Marketing Expense		 1.17 1.00 1.00 1.38 0.95 1.14 1.02 1.04 0.98 1.14 1.39
Property & Liability Insurance Claims		 0.58 0.56 0.57 0.57 0.56 0.56 0.55 0.56 0.56 0.59 0.68
Insurance Policy Acquisition Costs		 0.43 0.45 0.48 0.48 0.65 0.38 0.36 0.26 0.34 0.70 0.56
Other Operating Expenses		 3.70 3.03 3.14 3.08 3.38 3.03 3.52 3.54 3.81 6.62 4.00
Amortization Expense		 0.72 0.71 0.71 0.71 0.71 0.70 0.69 0.69 0.64 0.89 1.46
Income Tax Expense		 6.34 5.26 6.88 6.33 7.13 6.43 7.13 6.97 6.98 3.85 9.93
Basic Earnings per Share		 $0.58 $0.48 $0.57 $0.58 $0.64 $0.60 $0.61 $0.63 $0.60 $0.34 $0.77
Weighted Average Basic Shares Outstanding		 31.63M 31.66M 31.58M 31.56M 31.59M 31.58M 31.51M 31.48M 31.50M 33.18M 36.37M
Diluted Earnings per Share		 $0.57 $0.48 $0.57 $0.57 $0.64 $0.60 $0.61 $0.63 $0.60 $0.34 $0.76
Weighted Average Diluted Shares Outstanding		 31.64M 31.59M 31.56M 31.56M 31.56M 31.50M 31.50M 31.43M 31.43M 36.38M 36.37M
Weighted Average Basic & Diluted Shares Outstanding		 31.64M 31.59M 31.56M 31.56M 31.56M 31.50M 31.50M 31.43M 31.43M 36.38M 36.37M

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 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

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Net Change in Cash & Equivalents		 29 119 -65 -16 -42 74 -16 -41 -33 165 -155
Net Cash From Operating Activities		 13 27 20 26 17 30 14 17 24 29 17
Net Cash From Continuing Operating Activities		 13 27 20 26 17 30 14 17 24 29 17
Net Income / (Loss) Continuing Operations		 18 15 18 18 20 19 19 20 19 11 28
Consolidated Net Income / (Loss)		 18 15 18 18 20 19 19 20 19 11 28
Provision For Loan Losses		 1.11 0.53 1.18 0.60 0.73 0.58 0.53 0.60 1.46 -0.16 0.68
Depreciation Expense		 0.75 0.73 0.73 0.75 0.74 0.76 0.78 0.81 0.85 0.97 1.10
Amortization Expense		 2.13 1.85 1.78 1.70 1.57 1.57 1.39 1.21 1.09 -1.15 2.80
Non-Cash Adjustments to Reconcile Net Income		 1.92 2.51 1.07 -2.61 -0.38 -1.59 0.10 0.25 -0.73 8.60 -5.39
Changes in Operating Assets and Liabilities, net		 -11 5.89 -3.03 6.90 -5.64 10 -8.47 -5.45 2.29 9.05 -9.81
Net Cash From Investing Activities		 -29 153 -34 3.61 -90 17 60 -50 -67 234 -114
Net Cash From Continuing Investing Activities		 -29 153 -34 3.61 -90 17 60 -50 -67 234 -114
Purchase of Investment Securities		 -65 54 -25 2.30 -135 -35 26 -173 -50 -205 -77
Sale and/or Maturity of Investments		 37 99 -9.52 1.31 45 52 35 122 -17 439 -37
Net Cash From Financing Activities		 45 -61 -51 -45 31 27 -90 -7.57 9.85 -97 -59
Net Cash From Continuing Financing Activities		 45 -61 -51 -45 31 27 -90 -7.57 9.85 -97 -59
Net Change in Deposits		 203 -41 -42 -38 38 66 -78 41 12 -72 -45
Repurchase of Common Equity		 -1.42 -3.41 -1.01 - - 0.00 -2.90 -1.02 -0.59 -16 -0.43
Payment of Dividends		 -5.45 -6.07 -6.04 -6.03 -6.04 -6.67 -6.65 -6.65 -6.64 -7.27 -8.41
Other Financing Activities, Net		 14 -11 -2.53 -0.30 -0.06 -27 -2.14 -0.56 - -14 -5.05
Cash Interest Paid		 11 16 15 17 17 15 14 15 14 16 19
Cash Income Taxes Paid		 4.65 -0.75 11 7.53 6.55 0.00 14 6.90 5.58 0.00 9.33

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 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
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

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 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
Total Assets		 5,014 4,976 4,992 5,041 5,006 4,991 5,092 5,018 5,035 6,774 6,728
Cash and Due from Banks		 35 28 25 20 23 27 25 26 22 37 29
Interest Bearing Deposits at Other Banks		 142 82 87 240 173 153 187 170 133 250 104
Trading Account Securities		 1,396 1,361 1,286 1,192 1,187 1,221 1,202 1,261 1,266 1,490 1,539
Loans and Leases, Net of Allowance		 3,157 3,207 3,304 3,305 3,345 3,329 3,420 3,307 3,358 4,626 4,692
Loans and Leases		 - 3,245 3,343 3,346 3,385 3,370 3,462 3,348 3,400 4,687 4,752
Allowance for Loan and Lease Losses		 -3,157 38 39 41 41 41 42 42 42 60 61
Loans Held for Sale		 5.13 8.83 3.56 3.48 0.86 2.96 2.72 2.32 1.43 3.25 3.86
Premises and Equipment, Net		 65 65 65 65 66 66 67 69 70 91 91
Goodwill		 60 60 60 60 60 60 60 60 60 84 82
Intangible Assets		 23 22 21 20 19 19 17 16 16 44 43
Other Assets		 3,287 142 140 134 133 114 111 108 109 147 144
Total Liabilities & Shareholders' Equity		 5,014 4,976 4,992 5,041 5,006 4,991 5,092 5,018 5,035 6,774 6,728
Total Liabilities		 4,564 4,525 4,536 4,544 4,497 4,453 4,527 4,438 4,436 6,026 5,963
Non-Interest Bearing Deposits		 1,219 1,126 1,087 1,047 1,046 1,008 1,066 1,034 1,034 1,342 1,314
Interest Bearing Deposits		 3,092 3,039 3,111 3,314 3,273 3,272 3,319 3,272 3,313 4,461 4,444
Long-Term Debt		 167 270 270 105 106 106 100 100 60 149 149
Other Long-Term Liabilities		 51 52 39 46 43 38 40 31 29 69 56
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		 450 451 456 497 509 538 565 581 599 747 765
Total Preferred & Common Equity		 450 451 456 497 509 538 565 581 599 747 765
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		 450 451 456 497 509 538 565 581 599 747 765
Common Stock		 295 295 296 296 297 297 297 298 298 447 447
Retained Earnings		 229 242 256 278 290 303 329 342 355 371 391
Treasury Stock		 -11 -15 -17 -22 -23 -23 -23 -26 -27 -43 -44
Accumulated Other Comprehensive Income / (Loss)		 -62 -71 -78 -56 -55 -39 -38 -33 -27 -27 -30

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 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%

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 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026 Q2 2026
Period end date 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 6/30/2026
DEI Shares Outstanding		 - - - - - - - - 31,431,924.00 31,431,924.00 36,381,078.00
DEI Adjusted Shares Outstanding		 - - - - - - - - 31,431,924.00 31,431,924.00 36,381,078.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - 0.60 0.36 0.77
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 12.42% -3.61% -3.65% -2.30% 4.87% 10.90% 3.81% 6.02% 2.38% 16.06% 37.58%
EBITDA Growth		 37.38% 73.52% 4.34% -18.06% 7.39% 20.48% 19.39% -5.85% -6.22% -46.55% 46.08%
EBIT Growth		 40.73% 69.15% -0.36% -7.91% 10.52% 24.29% 5.63% 9.05% -5.42% -40.99% 43.32%
NOPAT Growth		 40.38% 65.70% -2.18% -7.79% 9.90% 25.02% 6.42% 8.72% -6.58% -41.28% 44.79%
Net Income Growth		 40.38% 65.70% -2.18% -7.79% 9.90% 25.02% 6.42% 8.72% -6.58% -41.28% 44.79%
EPS Growth		 26.67% 60.00% -1.72% -8.06% 12.28% 25.00% 7.02% 10.53% -6.25% -43.33% 24.59%
Operating Cash Flow Growth		 -44.71% 24.58% 35.22% 52.68% 33.12% 13.70% -31.54% -32.70% 38.30% -6.30% 27.03%
Free Cash Flow Firm Growth		 139.20% 125.78% 155.49% 152.74% -162.27% -143.34% -112.88% -67.27% 178.86% -1,411.78% -1,101.31%
Invested Capital Growth		 -2.61% -2.88% -15.08% -10.93% 6.66% 5.34% 5.63% -1.96% 0.22% 35.11% 34.19%
Revenue Q/Q Growth		 -2.56% -7.06% 8.27% -0.35% 4.59% -1.72% 1.35% 1.76% 1.01% 11.41% 20.15%
EBITDA Q/Q Growth		 -15.93% 13.05% 18.90% -1.84% 10.18% -6.31% 2.50% 0.77% -3.09% -46.60% 180.15%
EBIT Q/Q Growth		 -6.87% -17.23% 21.61% -1.76% 11.77% -6.92% 3.35% 1.42% -3.06% -41.92% 151.00%
NOPAT Q/Q Growth		 -6.44% -17.28% 18.43% 0.61% 11.51% -5.90% 0.81% 2.78% -4.18% -40.86% 148.61%
Net Income Q/Q Growth		 -6.44% -17.28% 18.43% 0.61% 11.51% -5.90% 0.81% 2.78% -4.18% -40.86% 148.61%
EPS Q/Q Growth		 -8.06% -15.79% 18.75% 0.00% 12.28% -6.25% 1.67% 3.28% -4.76% -43.33% 123.53%
Operating Cash Flow Q/Q Growth		 -22.33% 106.21% -26.05% 28.91% -32.28% 76.13% -55.48% 26.72% 39.18% 19.32% -39.64%
Free Cash Flow Firm Q/Q Growth		 118.59% -4.11% 289.27% -24.02% -121.95% 33.25% -15.66% 293.12% -47.10% -1,379.51% 8.09%
Invested Capital Q/Q Growth		 -15.66% -0.51% 1.78% 4.28% 1.00% -1.74% 2.06% -3.21% 3.25% 32.47% 1.37%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 49.14% 44.16% 48.50% 47.77% 50.33% 47.97% 48.52% 48.05% 46.10% 22.09% 51.52%
EBIT Margin		 44.04% 39.22% 44.06% 43.43% 46.41% 43.96% 44.83% 44.67% 42.88% 22.35% 46.70%
Profit (Net Income) Margin		 32.77% 29.17% 31.90% 32.21% 34.34% 32.88% 32.71% 33.03% 31.33% 16.63% 34.42%
Tax Burden Percent		 74.41% 74.36% 72.42% 74.16% 73.99% 74.80% 72.96% 73.94% 73.08% 74.42% 73.71%
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		 25.59% 25.64% 27.58% 25.84% 26.01% 25.20% 27.04% 26.06% 26.92% 25.58% 26.29%
Return on Invested Capital (ROIC)		 11.53% 10.21% 10.13% 10.00% 11.71% 11.63% 11.46% 11.69% 10.93% 5.22% 11.59%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.53% 10.21% 10.13% 10.00% 11.71% 11.63% 11.46% 11.69% 10.93% 5.22% 11.59%
Return on Net Nonoperating Assets (RNNOA)		 5.71% 3.66% 4.68% 4.36% 3.19% 2.62% 2.48% 2.01% 1.88% 1.02% 2.15%
Return on Equity (ROE)		 17.25% 13.87% 14.82% 14.37% 14.91% 14.25% 13.93% 13.70% 12.81% 6.25% 13.74%
Cash Return on Invested Capital (CROIC)		 12.85% 14.10% 26.49% 21.36% 4.47% 6.42% 6.10% 13.75% 11.10% -21.05% -19.45%
Operating Return on Assets (OROA)		 2.14% 1.76% 1.97% 1.93% 2.06% 2.00% 2.08% 2.10% 2.01% 0.93% 2.13%
Return on Assets (ROA)		 1.59% 1.31% 1.43% 1.43% 1.53% 1.49% 1.52% 1.55% 1.47% 0.69% 1.57%
Return on Common Equity (ROCE)		 17.25% 13.87% 14.82% 14.37% 14.91% 14.25% 13.93% 13.70% 12.81% 6.25% 13.74%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 14.47% 14.03% 13.01% 0.00% 13.38% 13.21% 13.08% 0.00% 9.25% 10.17%
Net Operating Profit after Tax (NOPAT)		 18 15 18 18 20 19 19 20 19 11 28
NOPAT Margin		 32.77% 29.17% 31.90% 32.21% 34.34% 32.88% 32.71% 33.03% 31.33% 16.63% 34.42%
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		 44.35% 50.68% 45.23% 46.92% 43.39% 47.00% 45.55% 45.21% 45.86% 64.83% 44.20%
Operating Expenses to Revenue		 53.98% 59.77% 53.87% 55.50% 52.36% 55.05% 54.28% 54.33% 54.70% 77.88% 52.47%
Earnings before Interest and Taxes (EBIT)		 25 21 25 25 27 26 26 27 26 15 38
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 28 23 27 27 30 28 29 29 28 15 42
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.31 1.19 1.25 1.28 1.26 1.25 1.37 1.32 1.31 1.12 1.52
Price to Tangible Book Value (P/TBV)		 1.56 1.42 1.49 1.50 1.47 1.45 1.57 1.52 1.49 1.36 1.82
Price to Revenue (P/Rev)		 2.81 2.63 2.87 3.11 3.05 3.07 3.42 3.37 3.40 3.41 4.33
Price to Earnings (P/E)		 9.70 8.22 8.94 9.87 9.54 9.36 10.34 10.13 10.47 12.15 14.97
Dividend Yield		 3.37% 3.75% 3.56% 3.38% 3.50% 3.48% 3.17% 3.25% 3.28% 3.22% 2.75%
Earnings Yield		 10.31% 12.16% 11.18% 10.13% 10.48% 10.69% 9.67% 9.87% 9.55% 8.23% 6.68%
Enterprise Value to Invested Capital (EV/IC)		 1.01 0.74 0.90 0.96 1.00 0.90 1.03 1.06 1.10 0.78 1.29
Enterprise Value to Revenue (EV/Rev)		 2.84 2.08 2.60 2.91 3.04 2.60 3.01 2.96 3.16 2.87 4.40
Enterprise Value to EBITDA (EV/EBITDA)		 6.44 4.55 5.58 6.59 6.36 5.34 5.99 6.09 6.63 7.06 10.44
Enterprise Value to EBIT (EV/EBIT)		 7.28 4.82 5.98 6.81 7.00 5.84 6.73 6.59 7.17 7.51 11.20
Enterprise Value to NOPAT (EV/NOPAT)		 9.80 6.51 8.10 9.23 9.50 7.91 9.10 8.92 9.73 10.22 15.19
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.80 6.58 7.60 7.59 7.63 6.43 8.05 8.91 8.81 8.50 13.60
Enterprise Value to Free Cash Flow (EV/FCFF)		 7.78 5.16 3.12 4.23 23.20 14.32 17.27 7.63 9.92 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.30 0.28 0.27 0.25 0.25 0.18 0.17 0.10 0.11 0.21 0.20
Long-Term Debt to Equity		 0.21 0.21 0.21 0.20 0.19 0.18 0.17 0.10 0.11 0.20 0.20
Financial Leverage		 0.50 0.36 0.46 0.44 0.27 0.23 0.22 0.17 0.17 0.20 0.19
Leverage Ratio		 10.84 10.62 10.39 10.04 9.77 9.54 9.19 8.82 8.71 9.04 8.73
Compound Leverage Factor		 10.84 10.62 10.39 10.04 9.77 9.54 9.19 8.82 8.71 9.04 8.73
Debt to Total Capital		 23.13% 21.61% 21.00% 20.05% 19.82% 15.33% 14.72% 9.13% 9.58% 17.11% 16.34%
Short-Term Debt to Total Capital		 6.66% 5.03% 4.55% 4.32% 4.27% 0.40% 0.08% 0.00% 0.00% 0.56% 0.00%
Long-Term Debt to Total Capital		 16.47% 16.58% 16.45% 15.73% 15.55% 14.93% 14.64% 9.13% 9.58% 16.55% 16.34%
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		 76.87% 78.39% 79.00% 79.95% 80.18% 84.67% 85.28% 90.87% 90.42% 82.89% 83.66%
Debt to EBITDA		 1.47 1.33 1.30 1.38 1.26 0.91 0.86 0.52 0.58 1.54 1.32
Net Debt to EBITDA		 0.06 -1.20 -0.58 -0.46 -0.03 -0.98 -0.82 -0.83 -0.51 -1.33 0.15
Long-Term Debt to EBITDA		 1.05 1.02 1.02 1.08 0.99 0.89 0.86 0.52 0.58 1.49 1.32
Debt to NOPAT		 2.24 1.90 1.89 1.93 1.88 1.35 1.31 0.77 0.85 2.23 1.92
Net Debt to NOPAT		 0.09 -1.72 -0.84 -0.64 -0.04 -1.45 -1.24 -1.21 -0.74 -1.93 0.22
Long-Term Debt to NOPAT		 1.59 1.46 1.48 1.51 1.47 1.32 1.30 0.77 0.85 2.16 1.92
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)		 36 34 133 101 -22 -15 -17 33 17 -223 -205
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		 2.48 2.23 8.39 6.15 -1.44 -1.02 -1.20 2.30 1.26 -14.44 -10.50
Operating Cash Flow to Interest Expense		 0.91 1.75 1.25 1.56 1.12 2.11 0.95 1.20 1.73 1.85 0.88
Operating Cash Flow Less CapEx to Interest Expense		 0.91 1.75 1.25 1.56 1.12 2.12 0.95 1.21 1.73 1.85 0.88
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.04 0.04 0.04 0.04 0.05 0.05 0.05 0.05 0.04 0.05
Fixed Asset Turnover		 3.93 3.47 3.41 3.39 3.40 3.49 3.46 3.47 3.38 3.11 3.36
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 637 634 645 672 679 667 681 659 681 902 914
Invested Capital Turnover		 0.35 0.35 0.32 0.31 0.34 0.35 0.35 0.35 0.35 0.31 0.34
Increase / (Decrease) in Invested Capital		 -17 -19 -114 -83 42 34 36 -13 1.50 234 233
Enterprise Value (EV)		 645 468 579 646 682 598 699 699 749 707 1,181
Market Capitalization		 639 591 639 691 685 707 794 794 806 840 1,164
Book Value per Share		 $15.44 $15.70 $16.13 $17.04 $17.26 $17.90 $18.44 $19.02 $19.58 $23.78 $21.02
Tangible Book Value per Share		 $12.90 $13.17 $13.62 $14.55 $14.80 $15.47 $16.02 $16.62 $17.20 $19.71 $17.59
Total Capital		 637 634 645 672 679 667 681 659 681 902 914
Total Debt		 147 137 135 135 135 102 100 60 65 154 149
Total Long-Term Debt		 105 105 106 106 106 100 100 60 65 149 149
Net Debt		 6.08 -123 -60 -45 -3.09 -109 -95 -95 -57 -133 17
Capital Expenditures (CapEx)		 -0.04 0.00 0.00 0.00 -0.00 -0.19 0.00 -0.15 -0.06 0.00 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)		 147 137 135 135 135 102 100 60 65 154 149
Total Depreciation and Amortization (D&A)		 2.87 2.58 2.52 2.45 2.31 2.33 2.17 2.02 1.95 -0.17 3.90
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.58 $0.48 $0.57 $0.58 $0.64 $0.60 $0.61 $0.63 $0.60 $0.34 $0.77
Adjusted Weighted Average Basic Shares Outstanding		 31.63M 31.66M 31.58M 31.56M 31.59M 31.58M 31.51M 31.48M 31.50M 33.18M 36.37M
Adjusted Diluted Earnings per Share		 $0.57 $0.48 $0.57 $0.57 $0.64 $0.60 $0.61 $0.63 $0.60 $0.34 $0.76
Adjusted Weighted Average Diluted Shares Outstanding		 31.64M 31.59M 31.56M 31.56M 31.56M 31.50M 31.50M 31.43M 31.43M 36.38M 36.37M
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		 31.64M 31.59M 31.56M 31.56M 31.56M 31.50M 31.50M 31.43M 31.43M 36.38M 36.37M
Normalized Net Operating Profit after Tax (NOPAT)		 18 15 18 18 20 19 19 20 19 11 28
Normalized NOPAT Margin		 32.77% 29.17% 31.90% 32.21% 34.34% 32.88% 32.71% 33.52% 31.33% 16.63% 34.42%
Pre Tax Income Margin		 44.04% 39.22% 44.06% 43.43% 46.41% 43.96% 44.83% 44.67% 42.88% 22.35% 46.70%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.73 1.34 1.58 1.50 1.78 1.77 1.85 1.86 1.87 0.97 1.93
NOPAT to Interest Expense		 1.29 1.00 1.14 1.11 1.32 1.32 1.35 1.38 1.37 0.72 1.43
EBIT Less CapEx to Interest Expense		 1.73 1.34 1.58 1.50 1.78 1.78 1.85 1.87 1.88 0.97 1.93
NOPAT Less CapEx to Interest Expense		 1.29 1.00 1.14 1.11 1.32 1.33 1.35 1.39 1.37 0.72 1.43
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 33.22% 31.21% 32.17% 33.72% 33.69% 32.78% 33.08% 33.20% 34.55% 39.36% 37.26%
Augmented Payout Ratio		 46.75% 46.13% 42.73% 42.07% 39.85% 34.12% 36.86% 38.20% 40.40% 68.63% 60.11%

Financials Breakdown Chart

Key Financial Trends

HBT Financial’s latest results show a materially larger and more profitable banking platform. In Q2 2026, net interest income reached $69.1 million, up from $49.7 million in Q2 2025 and $34.4 million in Q2 2022. Total revenue increased to $80.9 million from $58.8 million a year earlier, while net income rose to $27.8 million from $19.2 million. Diluted earnings per share improved to $0.76 from $0.61 in Q2 2025.

The balance sheet has expanded substantially. Total assets stood at $6.73 billion at June 30, 2026, compared with approximately $5.02 billion a year earlier and $4.22 billion in Q2 2022. Net loans increased to $4.69 billion from $3.31 billion in Q2 2025, while shareholders’ equity climbed to $764.7 million from $580.9 million over the same period. This growth provides HBT with a larger base of earning assets, although investors should monitor whether loan growth continues to outpace capital generation.

Profitability also improved despite higher operating costs. HBT’s Q2 2026 net interest margin is not provided, but net interest income grew faster than interest expense, which rose to $19.5 million from $14.3 million in Q2 2025. The provision for credit losses remained relatively modest at $676,000, and the company generated $17.2 million of operating cash flow. However, operating cash flow declined from $28.5 million in Q1 2026, reflecting some quarter-to-quarter volatility.

Cash flow was more pressured in the latest quarter. HBT used $113.9 million in investing activities, largely because investment-security purchases exceeded sales and maturities, and used $58.7 million in financing activities. As a result, cash and cash equivalents declined by $155.4 million during Q2. The company still held $132.2 million in cash and interest-bearing deposits at other banks at quarter-end, but this was below the roughly $288.0 million held at the end of Q1 2026.

  • Strong earnings growth: Q2 2026 net income increased approximately 45% year over year, while diluted EPS rose about 25% to $0.76.
  • Expansion of the earning-asset base: Net loans grew approximately 42% year over year and more than 90% from Q2 2022, supporting higher interest income.
  • Improving core revenue: Net interest income reached a five-year high in the provided quarterly data, rising approximately 39% from Q2 2025.
  • Stronger capital base: Total equity increased to $764.7 million, up about 32% from Q2 2025 and 105% from Q2 2022.
  • Positive operating cash generation: Operating activities produced $17.2 million of cash in Q2 2026, and operating cash flow has remained positive in every quarter provided.
  • Share count increased: Diluted weighted-average shares rose to 36.4 million in Q2 2026 from 31.5 million in Q2 2025, which can limit per-share growth even when total earnings increase.
  • Shareholder returns remain meaningful: Q2 2026 cash dividend payments totaled $8.4 million, compared with $6.6 million a year earlier, while the company also continued modest share repurchases.
  • Liquidity declined sharply during Q2: Cash and due from banks fell to $28.6 million from $37.4 million at the end of Q1, while interest-bearing deposits at other banks dropped to $103.6 million from $250.3 million.
  • Investment activity consumed cash: HBT recorded $113.9 million of negative investing cash flow in Q2 2026, following $234.1 million of positive investing cash flow in Q1, highlighting significant securities-portfolio volatility.
  • Credit reserves have risen with loan growth: The allowance for loan and lease losses increased to $60.6 million from $41.7 million in Q2 2025. Although the quarterly provision remains low, investors should watch asset quality as the loan portfolio expands.
09/16/26 12:21 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. View HBT Financial's forecast to see where analysts expect HBT Financial to go next.

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 8/7/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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