Hbt Financial, Inc. Financials

HBT

Source SEC Filings (10-K/10-Q) Updated Sep 30, 2025 Currency USD FYE December

Financial Health Signals

Piotroski F-Score Neutral

6/9

Hbt Financial, Inc. passes 6 of 9 financial strength tests. All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.25x

For every $1 of reported earnings, Hbt Financial, Inc. generates $1.25 in operating cash flow ($89.4M OCF vs $71.8M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

This page shows Hbt Financial, Inc. (HBT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 8 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

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Key Financial Metrics

Revenue

$251.7M

YoY+9.9%

5Y CAGR+11.9%

Hbt Financial, Inc. generated $251.7M in revenue in fiscal year 2024. This represents an increase of 9.9% from the prior year.

EBITDA

N/A

Free Cash Flow

N/A

Net Income

$71.8M

YoY+9.0%

5Y CAGR+1.4%

Hbt Financial, Inc. reported $71.8M in net income in fiscal year 2024. This represents an increase of 9.0% from the prior year.

EPS (Diluted)

$2.26

YoY+9.2%

5Y CAGR-7.5%

Hbt Financial, Inc. earned $2.26 per diluted share (EPS) in fiscal year 2024. This represents an increase of 9.2% from the prior year.

Cash & Debt

$137.7M

YoY-2.5%

5Y CAGR-13.5%

Hbt Financial, Inc. held $137.7M in cash against $0 in long-term debt as of fiscal year 2024.

Dividends Per Share

$0.76

YoY+11.8%

5Y CAGR-42.9%

Hbt Financial, Inc. paid $0.76 per share in dividends in fiscal year 2024. This represents an increase of 11.8% from the prior year.

Shares Outstanding

32M

YoY-0.4%

5Y CAGR+2.8%

Hbt Financial, Inc. had 32M shares outstanding in fiscal year 2024. This represents a decrease of 0.4% from the prior year.

Gross Margin

N/A

Operating Margin

N/A

Net Margin

28.5%

YoY-0.2pp

5Y CAGR-18.0pp

Hbt Financial, Inc.'s net profit margin was 28.5% in fiscal year 2024, showing the share of revenue converted to profit. This is down 0.2 percentage points from the prior year.

Return on Equity

13.2%

YoY-0.3pp

5Y CAGR-6.9pp

Hbt Financial, Inc.'s ROE was 13.2% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the prior year.

R&D Spending

N/A

Share Buybacks

$4.4M

YoY-50.3%

Hbt Financial, Inc. spent $4.4M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 50.3% from the prior year.

Capital Expenditures

N/A

HBT Income Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Revenue	$251.7M+9.9%	$229.0M+49.6%	$153.1M+19.4%	$128.2M+3.4%	$124.1M-13.7%	$143.7M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$62.9M+65.7%	$37.9M+428.2%	$7.2M+23.4%	$5.8M-9.9%	$6.5M-35.0%	$9.9M
Income Tax	$25.6M+12.6%	$22.7M+15.2%	$19.7M-2.7%	$20.3M+59.4%	$12.7M+142.2%	$5.3M
Net Income	$71.8M+9.0%	$65.8M+16.6%	$56.5M+0.3%	$56.3M+52.7%	$36.8M-44.9%	$66.9M
EPS (Diluted)	$2.26+9.2%	$2.07+6.2%	$1.95-3.5%	$2.02+50.7%	$1.34-59.8%	$3.33

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Revenue	$64.3M+0.7%	$63.9M+1.2%	$63.1M+0.5%	$62.8M0.0%	$62.8M+1.4%	$62.0M+0.9%	$61.4M+4.0%	$59.0M
Cost of Revenue	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
SG&A Expenses	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$14.3M+0.6%	$14.3M-1.2%	$14.4M-6.3%	$15.4M-2.5%	$15.8M+3.4%	$15.3M+6.6%	$14.3M+33.1%	$10.8M
Income Tax	$7.0M-2.3%	$7.1M+10.9%	$6.4M-9.8%	$7.1M+3.5%	$6.9M+30.8%	$5.3M-17.1%	$6.3M-8.1%	$6.9M
Net Income	$19.8M+2.8%	$19.2M+0.8%	$19.1M-5.9%	$20.3M+12.2%	$18.1M+18.4%	$15.3M-17.3%	$18.4M-6.4%	$19.7M
EPS (Diluted)	$0.63+3.3%	$0.61+1.7%	$0.60-6.3%	$0.64+12.3%	$0.57+18.7%	$0.48-15.8%	$0.57-8.1%	$0.62

HBT Balance Sheet

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Total Assets	$5.0B-0.8%	$5.1B+18.3%	$4.3B-0.6%	$4.3B+17.7%	$3.7B+13.0%	$3.2B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$137.7M-2.5%	$141.3M+23.7%	$114.2M-72.1%	$409.3M+31.0%	$312.5M+10.0%	$284.0M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$59.8M0.0%	$59.8M+104.0%	$29.3M0.0%	$29.3M+24.1%	$23.6M0.0%	$23.6M
Total Liabilities	$4.5B-2.1%	$4.6B+17.1%	$3.9B+0.3%	$3.9B+18.2%	$3.3B+13.4%	$2.9B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$544.6M+11.3%	$489.5M+31.0%	$373.6M-9.3%	$411.9M+13.2%	$363.9M+9.3%	$332.9M
Retained Earnings	$316.8M+17.7%	$269.1M+16.0%	$232.0M+19.5%	$194.1M+25.6%	$154.6M+15.1%	$134.3M

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Total Assets	$5.0B+0.3%	$5.0B-1.4%	$5.1B+1.2%	$5.0B+0.5%	$5.0B-0.7%	$5.0B-0.6%	$5.1B+1.6%	$5.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$155.1M-20.7%	$195.7M-7.5%	$211.6M+53.7%	$137.7M-29.5%	$195.2M-25.0%	$260.2M+84.2%	$141.3M+26.2%	$111.9M
Inventory	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M
Total Liabilities	$4.4B0.0%	$4.4B-2.0%	$4.5B+0.9%	$4.5B-0.2%	$4.5B-1.0%	$4.5B-0.9%	$4.6B+1.1%	$4.5B
Current Liabilities	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity	$599.1M+3.1%	$580.9M+2.8%	$565.1M+3.8%	$544.6M+6.9%	$509.5M+2.6%	$496.7M+1.5%	$489.5M+7.3%	$456.3M
Retained Earnings	$354.9M+3.8%	$341.8M+3.8%	$329.2M+3.9%	$316.8M+9.1%	$290.4M+4.3%	$278.4M+3.5%	$269.1M+5.1%	$256.1M

HBT Cash Flow Statement

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Operating Cash Flow	$89.4M+35.8%	$65.8M-9.3%	$72.6M+68.7%	$43.0M+37.7%	$31.3M-64.9%	$89.1M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	$32.3M-75.6%	$132.7M+139.6%	-$335.1M+4.1%	-$349.6M+8.1%	-$380.4M-429.9%	$115.3M
Financing Cash Flow	-$125.3M+26.9%	-$171.4M-426.2%	-$32.6M-108.1%	$403.4M+6.8%	$377.7M+451.8%	-$107.3M
Dividends Paid	$24.2M+10.6%	$21.9M+17.7%	$18.6M+10.9%	$16.8M+1.4%	$16.5M-92.7%	$225.0M
Share Buybacks	$4.4M-50.3%	$8.9M+86.2%	$4.8M-2.5%	$4.9M	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Operating Cash Flow	$17.2M+26.7%	$13.6M-55.5%	$30.4M+76.1%	$17.3M-12.7%	$19.8M-26.1%	$26.8M+106.2%	$13.0M-22.3%	$16.7M
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Investing Cash Flow	-$50.2M-183.2%	$60.4M+258.3%	$16.8M+118.6%	-$90.4M-164.1%	-$34.2M-122.3%	$153.4M+635.8%	-$28.6M+8.3%	-$31.2M
Financing Cash Flow	-$7.6M+91.6%	-$89.8M-437.2%	$26.6M-14.6%	$31.2M+161.7%	-$50.5M+17.5%	-$61.2M-236.1%	$45.0M+170.5%	$16.6M
Dividends Paid	$6.7M0.0%	$6.6M-0.3%	$6.7M+10.4%	$6.0M0.0%	$6.0M-0.6%	$6.1M+11.5%	$5.4M+0.1%	$5.4M
Share Buybacks	$1.0M-65.0%	$2.9M	$0	$0-100.0%	$1.0M-70.3%	$3.4M+140.3%	$1.4M-17.1%	$1.7M

HBT Financial Ratios

Metric	FY24	FY23	FY22	FY21	FY20	FY19
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	28.5%-0.2pp	28.7%-8.1pp	36.9%-7.0pp	43.9%+14.2pp	29.7%-16.8pp	46.5%
Return on Equity	13.2%-0.3pp	13.5%-1.7pp	15.1%+1.5pp	13.7%+3.5pp	10.1%-10.0pp	20.1%
Return on Assets	1.4%+0.1pp	1.3%-0.0pp	1.3%+0.0pp	1.3%+0.3pp	1.0%-1.1pp	2.1%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	8.24-1.1	9.36-1.1	10.47+1.0	9.47+0.4	9.08+0.3	8.75
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q3'25	Q2'25	Q1'25	Q3'24	Q2'24	Q1'24	Q4'23	Q3'23
Gross Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Margin	30.7%+0.6pp	30.1%-0.1pp	30.2%-2.1pp	32.3%+3.5pp	28.8%+4.1pp	24.6%-5.4pp	30.0%-3.3pp	33.4%
Return on Equity	3.3%0.0pp	3.3%-0.1pp	3.4%-0.3pp	3.7%+0.2pp	3.5%+0.5pp	3.1%-0.7pp	3.8%-0.6pp	4.3%
Return on Assets	0.4%0.0pp	0.4%0.0pp	0.4%-0.0pp	0.4%+0.0pp	0.4%+0.1pp	0.3%-0.1pp	0.4%-0.0pp	0.4%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.40-0.2	7.64-0.4	8.01-0.2	8.24-0.6	8.83-0.3	9.15-0.2	9.36-0.6	9.94
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

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Frequently Asked Questions

What is Hbt Financial, Inc.'s annual revenue?

Hbt Financial, Inc. (HBT) reported $251.7M in total revenue for fiscal year 2024. This represents a 9.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Hbt Financial, Inc.'s revenue growing?

Hbt Financial, Inc. (HBT) revenue grew by 9.9% year-over-year, from $229.0M to $251.7M in fiscal year 2024.

Is Hbt Financial, Inc. profitable?

Yes, Hbt Financial, Inc. (HBT) reported a net income of $71.8M in fiscal year 2024, with a net profit margin of 28.5%.

What is Hbt Financial, Inc.'s earnings per share (EPS)?

Hbt Financial, Inc. (HBT) reported diluted earnings per share of $2.26 for fiscal year 2024. This represents a 9.2% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

What is Hbt Financial, Inc.'s net profit margin?

Hbt Financial, Inc. (HBT) had a net profit margin of 28.5% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.

Does Hbt Financial, Inc. pay dividends?

Yes, Hbt Financial, Inc. (HBT) paid $0.76 per share in dividends during fiscal year 2024.

What is Hbt Financial, Inc.'s return on equity (ROE)?

Hbt Financial, Inc. (HBT) has a return on equity of 13.2% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.

What is Hbt Financial, Inc.'s operating cash flow?

Hbt Financial, Inc. (HBT) generated $89.4M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.

What are Hbt Financial, Inc.'s total assets?

Hbt Financial, Inc. (HBT) had $5.0B in total assets as of fiscal year 2024, including both current and long-term assets.

Does Hbt Financial, Inc. buy back shares?

Yes, Hbt Financial, Inc. (HBT) spent $4.4M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.

How many shares does Hbt Financial, Inc. have outstanding?

Hbt Financial, Inc. (HBT) had 32M shares outstanding as of fiscal year 2024.

What is Hbt Financial, Inc.'s debt-to-equity ratio?

Hbt Financial, Inc. (HBT) had a debt-to-equity ratio of 8.24 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Hbt Financial, Inc.'s return on assets (ROA)?

Hbt Financial, Inc. (HBT) had a return on assets of 1.4% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.

What is Hbt Financial, Inc.'s Piotroski F-Score?

Hbt Financial, Inc. (HBT) has a Piotroski F-Score of 6 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Hbt Financial, Inc.'s earnings high quality?

Hbt Financial, Inc. (HBT) has an earnings quality ratio of 1.25x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.