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HBT

HBT Financial, Inc.

HBT

HBT Financial, Inc. • NASDAQ
$24.20 ▲ 0.04% (+0.01)
Market Cap $763.12 M
52w High $27.02
52w Low $19.46
Dividend Yield 0.84%
P/E 9.76
Volume 15.71K
Outstanding Shares 31.53M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $73.921M ▲ $32.244M ▲ $19.765M ▲ 26.738% ▲ $0.63 ▲ $28.237M ▲
Q2-2025 $73.059M ▲ $31.914M ▲ $19.23M ▲ 26.321% ▼ $0.61 ▲ $27.831M ▲
Q1-2025 $72.061M ▼ $31.552M ▲ $19.075M ▼ 26.471% ▼ $0.6 ▼ $26.954M ▼
Q4-2024 $73.775M ▲ $30.255M ▼ $20.272M ▲ 27.478% ▲ $0.64 ▲ $28.844M ▲
Q3-2024 $72.346M $30.846M $18.18M 25.129% $0.58 $25.968M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $644.359M ▼ $5.035B ▲ $4.436B ▼ $599.129M ▲
Q2-2025 $798.769M ▲ $5.018B ▼ $4.438B ▼ $580.897M ▲
Q1-2025 $619.26M ▲ $5.092B ▲ $4.527B ▲ $565.057M ▲
Q4-2024 $189.977M ▼ $5.033B ▲ $4.488B ▲ $544.605M ▲
Q3-2024 $889.974M $4.991B $4.453B $537.662M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $19.765M ▲ $17.174M ▲ $-50.217M ▼ $-7.566M ▲ $-40.609M ▼ $14.9M ▲
Q2-2025 $19.23M ▲ $13.553M ▼ $60.351M ▲ $-89.753M ▼ $-15.849M ▼ $11.445M ▼
Q1-2025 $19.075M ▼ $30.44M ▲ $16.843M ▲ $26.616M ▼ $73.899M ▲ $29.165M ▲
Q4-2024 $20.272M ▲ $17.283M ▼ $-90.438M ▼ $31.176M ▲ $-41.979M ▼ $15.707M ▼
Q3-2024 $18.18M $25.52M $3.61M $-44.699M $-15.569M $24.565M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Card income
Card income
 $0 ▲$0 ▲$0 ▲$0 ▲
Service charges on deposit accounts
Service charges on deposit accounts
 $0 ▲$0 ▲$0 ▲$0 ▲
Wealth management fees
Wealth management fees
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement HBT’s income statement shows a steadily growing, consistently profitable community bank. Revenue has trended higher over the past several years, and profits have generally risen alongside it, with only minor year‑to‑year bumps. Margins look healthy for a regional bank, suggesting disciplined lending, solid fee income, and reasonable control of operating costs. Earnings per share have moved upward over time as well, indicating that growth is translating into value for shareholders, not just a bigger balance sheet.

Balance Sheet

Balance Sheet The balance sheet looks solid and gradually stronger. Total assets have grown at a measured pace, while shareholder equity has increased meaningfully, which points to a sturdier capital base. Debt is modest for a bank of this size and has not been trending in a worrying direction. Cash levels dipped from a past high but have since stabilized, consistent with a bank that is putting funds to work in loans and securities while still keeping a comfortable liquidity cushion.

Cash Flow

Cash Flow Cash flow from operations is positive and has grown over the period, which supports the quality of reported earnings. Free cash flow is also consistently positive, helped by low ongoing capital spending needs typical for a bank. This pattern suggests that HBT can fund growth, dividends, or strategic moves like acquisitions from internally generated cash, rather than relying heavily on outside financing.

Competitive Edge

Competitive Edge HBT holds a strong local position as a relationship‑focused community bank in its core Illinois and Eastern Iowa markets. It benefits from loyal, low‑cost deposits and a top‑tier share of local deposits in many markets, which is a meaningful advantage against both big national banks and smaller rivals. The bank also leans on specialized strengths—such as agricultural services, wealth management, and advanced treasury solutions for businesses—alongside a track record of successfully acquiring and integrating smaller banks. Together, these factors give it a defensible niche and room to grow within its region.

Innovation and R&D

Innovation and R&D While HBT is not a pure fintech player, it is steadily modernizing rather than standing still. The bank uses partnerships for cloud hosting, search, digital treasury tools, and wealth‑management CRM systems to upgrade its technology without taking on excessive development risk. The emphasis is on improving efficiency, fraud prevention, and customer experience, especially for business and wealth clients, rather than flashy consumer apps. This pragmatic approach to innovation supports its relationship‑driven model and should help it stay competitive as digital expectations rise.

Summary

Overall, HBT looks like a well‑run regional bank with steady growth, resilient profitability, and a conservative balance sheet. Its strengths are deep community relationships, strong local market share, and a disciplined acquisition strategy, complemented by targeted technology upgrades rather than high‑risk experiments. Key watch points include how it manages interest‑rate swings, credit quality through the cycle, and the integration of future acquisitions, as well as any risks from its regional concentration. Even so, the historical trends point to a bank that has grown in a controlled way while reinforcing its financial foundation and competitive position.

NEWS

October 10, 2025 · 4:30 PM UTC

HBT Financial, Inc. to Announce Third Quarter 2025 Financial Results on October 20, 2025

Read more