HBT Financial, Inc.

NasdaqGS:HBT Stock Report

Market Cap: US$1.1b

HBT Financial Past Earnings Performance

Past criteria checks 2/6

HBT Financial has been growing earnings at an average annual rate of 9.4%, while the Banks industry saw earnings growing at 3.1% annually. Revenues have been growing at an average rate of 9.1% per year. HBT Financial's return on equity is 9.2%, and it has net margins of 28.3%.

Key information

9.40%

Earnings growth rate

5.99%

EPS growth rate

Banks Industry Growth11.18%
Revenue growth rate9.12%
Return on equity9.25%
Net Margin28.34%
Last Earnings Update31 Mar 2026

Recent past performance updates

Recent updates

Analysis Article • Feb 05

HBT Financial (NASDAQ:HBT) Has Announced That It Will Be Increasing Its Dividend To $0.23

The board of HBT Financial, Inc. ( NASDAQ:HBT ) has announced that it will be paying its dividend of $0.23 on the 17th...
Analysis Article • Dec 13

Here's Why We Think HBT Financial (NASDAQ:HBT) Might Deserve Your Attention Today

The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Analysis Article • Oct 28

Industry Analysts Just Made A Captivating Upgrade To Their HBT Financial, Inc. (NASDAQ:HBT) Revenue Forecasts

HBT Financial, Inc. ( NASDAQ:HBT ) shareholders will have a reason to smile today, with the analysts making substantial...
Seeking Alpha • Oct 20

HBT Financial Attempts To Solve Growth Issues With CNB Bank Shares Merger

Summary HBT Financial, Inc. reported Q3 2025 EPS of $0.65, beating estimates, but revenue missed; profit growth remains modest. HBT announced a merger with CNB Bank Shares, aiming to drive future earnings growth, though risks and integration costs exist. HBT maintains strong net interest margin, asset quality, and a growing dividend, but faces geographic and economic headwinds in Illinois and Iowa. I rate HBT stock as a Hold due to lack of meaningful profit growth and valuation concerns, awaiting a more attractive entry point. Read the full article on Seeking Alpha
Analysis Article • Jul 25

US$29.40 - That's What Analysts Think HBT Financial, Inc. (NASDAQ:HBT) Is Worth After These Results

Last week saw the newest quarterly earnings release from HBT Financial, Inc. ( NASDAQ:HBT ), an important milestone in...
Seeking Alpha • Apr 22

HBT Financial: An Attractive Community Bank To Weather Macro Turmoil

Summary HBT Financial shares gained 21% over the past year, driven by a strong capital position, excellent deposit base, and superior credit quality. HBT's low-cost, stable deposit base and high net interest margin provide a durable competitive advantage, with Q1 earnings beating expectations. The bank's loan quality remains strong, with minimal exposure to tariff risks and solid commercial real estate performance, particularly in Chicago. HBT's robust capital position and secure dividend make it an attractive buy, with shares poised to rise past $24 in the coming months. Read the full article on Seeking Alpha
Analysis Article • Jan 25

HBT Financial's (NASDAQ:HBT) Dividend Will Be Increased To $0.21

HBT Financial, Inc. ( NASDAQ:HBT ) will increase its dividend from last year's comparable payment on the 11th of...
Analysis Article • Dec 19

Here's Why We Think HBT Financial (NASDAQ:HBT) Might Deserve Your Attention Today

The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Analysis Article • Jan 27

HBT Financial (NASDAQ:HBT) Has Announced That It Will Be Increasing Its Dividend To $0.19

HBT Financial, Inc. ( NASDAQ:HBT ) will increase its dividend from last year's comparable payment on the 13th of...

Revenue & Expenses Breakdown

How HBT Financial makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NasdaqGS:HBT Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 26244691120
31 Dec 25234771080
30 Sep 25233781070
30 Jun 25230771060
31 Mar 25227761050
31 Dec 24221721040
30 Sep 24218701040
30 Jun 24220711030
31 Mar 24223721040
31 Dec 23225661020
30 Sep 2322160980
30 Jun 2320956920
31 Mar 2319352850
31 Dec 2218156810
30 Sep 2217457800
30 Jun 2216955790
31 Mar 2216755760
31 Dec 2116856750
30 Sep 2116555740
30 Jun 2116152750
31 Mar 2115346750
31 Dec 2014237770
30 Sep 2014440770
30 Jun 2014747730
31 Mar 2015454760
31 Dec 1916367740
30 Sep 1915663740
30 Jun 1915663780
31 Mar 1915664750
31 Dec 1815564760
31 Dec 1715156760
31 Dec 1615459760

Quality Earnings: HBT has high quality earnings.

Growing Profit Margin: HBT's current net profit margins (28.3%) are lower than last year (33.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: HBT's earnings have grown by 9.4% per year over the past 5 years.

Accelerating Growth: HBT's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: HBT had negative earnings growth (-8.6%) over the past year, making it difficult to compare to the Banks industry average (23%).

Return on Equity

High ROE: HBT's Return on Equity (9.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/06/11 23:28
End of Day Share Price 2026/06/11 00:00
Earnings2026/03/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

HBT Financial, Inc. is covered by 9 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Jeffrey RulisD.A. Davidson & Co.
null nullD.A. Davidson & Co.
Brendan NosalHovde Group, LLC