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

HBT Financial, Inc. (HBT) reported diluted earnings per share of $2.44 for fiscal year 2025. This represents a 8.0% 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.

HBT Financial (HBT) Financials

HBT NASDAQ

Trailing 12 months to June 30, 2026

Revenue $268.5M +15.6% YoY

Net Income $77.7M +1.3% YoY

EPS (Diluted) $2.33 -3.7% YoY

Operating Cash Flow $86.8M 0.0% YoY

Market Cap $1.3B as of Oct 27, 2026

Price / Sales 5.0x on $268.5M revenue, trailing 12 months to June 30, 2026

Price / Earnings 17.2x on $77.7M net income, trailing 12 months to June 30, 2026

Price / Book 1.7x on $764.7M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 27, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 7, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the HBT SEC filings page.

HBT Financial, Inc. (HBT) reported $268.5M in revenue over the twelve months to Jun 30, 2026, up 15.6% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 9 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).

Rhea AI HBT FY2025 2026-10-25

The bank converts accounting earnings into cash while rebuilding equity, but remains predominantly financed by liabilities.

In FY2025, operating cash flow of $85.1M exceeded net income of $77.0M, but the conversion ratio eased from 124.5% in FY2024 to 110.5%, leaving less cushion than the prior year. For a bank, that pairing indicates reported earnings are still translating into cash even as capital rebuilding, rather than asset growth, strengthens the balance sheet.

The asset base stayed near $5.1B while equity rose 25.7% across the latest two-year comparison. Liabilities' share of assets fell from 90.4% to 87.9%, pointing to balance-sheet rebuilding rather than asset expansion.

Net income rose from $71.8M to $77.0M between the latest two years. ROE declined from 13.2% to 12.5%, indicating the equity base expanded faster than profit.

Financial Health Signals

Financial Health Score (5 of 6 dimensions) 66/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of HBT Financial, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

HBT Financial, Inc. earned a return on assets of 1.5% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.4% the prior year. Earnings ranks banks on that return over three years, and HBT Financial, Inc. scores 85/100 among other banks.

Growth

HBT Financial, Inc. reported revenue of $237.1M in fiscal year 2025, against $224.4M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and HBT Financial, Inc. scores 24/100 among other banks.

Capital

HBT Financial, Inc. funded 12.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $615.5M of equity against $5.1B of assets. Capital ranks banks on that cushion, and HBT Financial, Inc. scores 61/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. HBT Financial, Inc. scores 79/100 on it among other banks.

Credit Quality

n/a

Not available for HBT Financial, Inc., so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.

Stability

HBT Financial, Inc. reported net income of $77.0M in fiscal year 2025, against $71.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and HBT Financial, Inc. scores 81/100 among other banks.

Piotroski F-Score Partial

6/6

HBT Financial, Inc. passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$80.9M

YoY+37.6%

QoQ+20.1%

5Y CAGR+16.0%

HBT Financial, Inc. generated $80.9M in revenue in Q2 2026. This represents an increase of 37.6% from the same quarter a year earlier. Against the prior quarter it is up 20.1%.

Net Income

$27.8M

YoY+44.8%

QoQ+148.6%

5Y CAGR+15.2%

HBT Financial, Inc. reported $27.8M in net income in Q2 2026. This represents an increase of 44.8% from the same quarter a year earlier. Against the prior quarter it is up 148.6%.

EPS (Diluted)

$0.76

YoY+24.6%

QoQ+123.5%

5Y CAGR+8.7%

HBT Financial, Inc. earned $0.76 per diluted share (EPS) in Q2 2026. This represents an increase of 24.6% from the same quarter a year earlier. Against the prior quarter it is up 123.5%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Cash & Debt

$132.3M

YoY-32.4%

QoQ-54.0%

5Y CAGR-24.7%

HBT Financial, Inc. held $132.3M in cash as of Q2 2026; no long-term debt figure is on record for that period.

Dividends Per Share

$0.23

YoY+9.5%

QoQ0.0%

5Y CAGR+8.9%

HBT Financial, Inc. paid $0.23 per share in dividends in Q2 2026. This represents an increase of 9.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

36M

YoY+15.5%

QoQ0.0%

5Y CAGR+5.9%

HBT Financial, Inc. had 36M shares outstanding in Q2 2026. This represents an increase of 15.5% from the same quarter a year earlier. It is unchanged from the prior quarter.

Free Cash Flow

Not reported for Q2 2026.

Margins & Returns

Net Margin

34.4%

YoY+1.7pp

QoQ+17.8pp

5Y change-1.2pp

HBT Financial, Inc.'s net profit margin was 34.4% in Q2 2026, showing the share of revenue converted to profit. This is up 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 17.8 percentage points.

Return on Equity

3.6%

YoY+0.3pp

QoQ+2.1pp

5Y change0.0pp

HBT Financial, Inc.'s quarterly ROE was 3.6% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is up 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$426K

YoY-85.3%

QoQ-97.3%

5Y CAGR-1.8%

HBT Financial, Inc. spent $426K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 85.3% from the same quarter a year earlier. Against the prior quarter it is down 97.3%.

R&D Spending

Not reported for Q2 2026.

Capital Expenditures

Not reported for Q2 2026.

HBT Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HBT quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Revenue	$268.5M	$237.1M+5.6%	$224.4M-1.2%	$227.1M+25.8%	$180.6M+13.1%	$159.7M+5.0%	$152.1M-8.7%	$166.6M+3.7%	$160.7M+4.2%	$154.2M
Interest Expense	$63.2M	$56.9M-9.5%	$62.9M+65.7%	$37.9M+428.2%	$7.2M+23.4%	$5.8M-9.9%	$6.5M-35.0%	$9.9M+24.3%	$8.0M+21.2%	$6.6M
Income Tax	$27.7M	$27.5M+7.4%	$25.6M+12.6%	$22.7M+15.2%	$19.7M-2.7%	$20.3M+59.4%	$12.7M+142.2%	$5.3M+504.8%	$869K-0.1%	$870K
Net Income	$77.7M	$77.0M+7.3%	$71.8M+9.0%	$65.8M+16.6%	$56.5M+0.3%	$56.3M+52.7%	$36.8M-44.9%	$66.9M+4.8%	$63.8M+13.7%	$56.1M
EPS (Basic)	N/A	$2.44+7.5%	$2.27+9.1%	$2.08+6.7%	$1.95-3.5%	$2.02+50.7%	$1.34-59.8%	$3.33-5.9%	$3.54+14.2%	$3.10
EPS (Diluted)	$2.33	$2.44+8.0%	$2.26+9.2%	$2.07+6.2%	$1.95-3.5%	$2.02+50.7%	$1.34-59.8%	$3.33-5.9%	$3.54+14.2%	$3.10
Diluted Shares (Avg)	N/A	32M-0.3%	32M-0.1%	32M+9.7%	29M+4.0%	28M+1.3%	27M+36.7%	20M+11.3%	18M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$80.9M+37.6%	$67.3M+16.1%	$60.4M+2.4%	$59.8M+6.0%	$58.8M+3.8%	$58.0M+10.9%	$59.0M+4.9%	$56.4M-2.3%
Interest Expense	$19.5M+36.9%	$15.5M+7.1%	$13.8M-10.1%	$14.3M-12.4%	$14.3M-9.7%	$14.4M-5.5%	$15.4M+7.5%	$16.4M+52.2%
Income Tax	$9.9M+39.3%	$3.9M-40.1%	$7.0M-2.1%	$7.0M+10.0%	$7.1M+3.6%	$6.4M+22.2%	$7.1M+12.3%	$6.3M-8.3%
Net Income	$27.8M+44.8%	$11.2M-41.3%	$18.9M-6.6%	$19.8M+8.7%	$19.2M+6.4%	$19.1M+25.0%	$20.3M+9.9%	$18.2M-7.8%
EPS (Basic)	$0.77+26.2%	$0.34-43.3%	$0.60-6.3%	$0.63+8.6%	$0.61+7.0%	$0.60+25.0%	$0.64+10.3%	$0.58-6.5%
EPS (Diluted)	$0.76+24.6%	$0.34-43.3%	$0.60-6.3%	$0.63+10.5%	$0.61+7.0%	$0.60+25.0%	$0.64+10.3%	$0.57-8.1%
Diluted Shares (Avg)	36M+15.4%	33M+5.0%	N/A	32M-0.3%	32M-0.2%	32M-0.3%	N/A	32M-0.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

HBT Balance Sheet

HBT quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Total Assets	$5.1B+0.8%	$5.0B-0.8%	$5.1B+18.3%	$4.3B-0.6%	$4.3B+17.7%	$3.7B+13.0%	$3.2B-0.1%	$3.2B	N/A
Cash & Equivalents	$122.3M-11.2%	$137.7M-2.5%	$141.3M+23.7%	$114.2M-72.1%	$409.3M+31.0%	$312.5M+10.0%	$284.0M+52.0%	$186.9M+12.8%	$165.7M
Goodwill	$59.8M0.0%	$59.8M0.0%	$59.8M+104.0%	$29.3M0.0%	$29.3M+24.1%	$23.6M0.0%	$23.6M0.0%	$23.6M	N/A
Total Liabilities	$4.5B-0.7%	$4.5B-2.1%	$4.6B+17.1%	$3.9B+0.3%	$3.9B+18.2%	$3.3B+13.4%	$2.9B+0.1%	$2.9B	N/A
Total Equity	$615.5M+13.0%	$544.6M+11.3%	$489.5M+31.0%	$373.6M-9.3%	$411.9M+13.2%	$363.9M+9.3%	$332.9M-2.2%	$340.4M+5.1%	$323.9M
Retained Earnings	$367.2M+15.9%	$316.8M+17.7%	$269.1M+16.0%	$232.0M+19.5%	$194.1M+25.6%	$154.6M+15.1%	$134.3M-57.4%	$315.2M	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$6.7B+34.1%	$6.8B+33.0%	$5.1B+0.8%	$5.0B+0.9%	$5.0B+0.2%	$5.1B+1.0%	$5.0B-0.8%	$5.0B0.0%
Cash & Equivalents	$132.3M-32.4%	$287.7M+35.9%	$122.3M-11.2%	$155.1M-13.7%	$195.7M+0.3%	$211.6M-18.7%	$137.7M-2.5%	$179.7M+60.5%
Goodwill	$81.9M+37.0%	$83.5M+39.6%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%
Total Liabilities	$6.0B+34.4%	$6.0B+33.1%	$4.5B-0.7%	$4.4B-0.4%	$4.4B-1.3%	$4.5B-0.4%	$4.5B-2.1%	$4.5B-1.8%
Total Equity	$764.7M+31.6%	$747.4M+32.3%	$615.5M+13.0%	$599.1M+11.4%	$580.9M+14.0%	$565.1M+13.8%	$544.6M+11.3%	$537.7M+17.8%
Retained Earnings	$390.5M+14.3%	$371.1M+12.7%	$367.2M+15.9%	$354.9M+17.3%	$341.8M+17.7%	$329.2M+18.3%	$316.8M+17.7%	$302.5M+18.2%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

HBT Cash Flow Statement

HBT quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Operating Cash Flow	$86.8M	$85.1M-4.8%	$89.4M+35.8%	$65.8M-9.3%	$72.6M+68.7%	$43.0M+37.7%	$31.3M-64.9%	$89.1M+11.4%	$80.0M+11.0%	$72.1M
Depreciation & Amortization	N/A	$3.2M+8.7%	$2.9M-5.3%	$3.1M+2.1%	$3.0M-1.0%	$3.1M+4.5%	$2.9M+8.6%	$2.7M-15.8%	$3.2M-2.2%	$3.3M
Stock-Based Compensation	N/A	$1.9M+10.9%	$1.8M-10.3%	$2.0M+0.2%	$1.9M+155.1%	$764K+117.7%	$351K+2.3%	$343K-36.5%	$540K	N/A
Capital Expenditures	N/A	N/A	N/A	N/A	N/A	N/A	$6K-85.4%	$41K	N/A	N/A
Free Cash Flow	N/A	N/A	N/A	N/A	N/A	N/A	$31.2M-64.9%	$89.1M	N/A	N/A
Investing Cash Flow	$3.3M	-$39.6M-222.5%	$32.3M-75.6%	$132.7Mn/m	-$335.1Mn/m	-$349.6Mn/m	-$380.4M-429.9%	$115.3M+77.2%	$65.1Mn/m	-$90.3M
Financing Cash Flow	-$153.7M	-$60.9Mn/m	-$125.3Mn/m	-$171.4Mn/m	-$32.6M-108.1%	$403.4M+6.8%	$377.7Mn/m	-$107.3Mn/m	-$123.9Mn/m	-$54.8M
Dividends Paid	$29.0M	$26.6M+10.0%	$24.2M+10.6%	$21.9M+17.7%	$18.6M+10.9%	$16.8M+1.4%	$16.5M-92.7%	$225.0M+427.8%	$42.6M-25.3%	$57.1M
Share Buybacks	$17.8M	$4.5M+1.9%	$4.4M-50.3%	$8.9M+86.2%	$4.8M-2.5%	$4.9M	N/A	N/A	$907K	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$17.2M+27.0%	$28.5M-6.3%	$23.9M+38.3%	$17.2M-32.7%	$13.6M-31.5%	$30.4M+13.7%	$17.3M+33.1%	$25.5M+52.7%
Depreciation & Amortization	$1.1M+41.3%	$971K+28.4%	$853K+15.7%	$812K+9.0%	$779K+6.3%	$756K+3.7%	$737K-1.2%	$745K-1.1%
Stock-Based Compensation	$802K+33.2%	$477K+13.8%	N/A	$511K+15.1%	$602K+35.0%	$419K-17.7%	N/A	$444K-27.3%
Investing Cash Flow	-$113.9M-288.7%	$234.1M+1289.7%	-$66.6Mn/m	-$50.2M-1491.1%	$60.4Mn/m	$16.8M-89.0%	-$90.4Mn/m	$3.6Mn/m
Financing Cash Flow	-$58.7Mn/m	-$97.2M-465.2%	$9.8M-68.4%	-$7.6Mn/m	-$89.8Mn/m	$26.6Mn/m	$31.2M-30.7%	-$44.7M-368.8%
Dividends Paid	$8.4M+26.5%	$7.3M+9.0%	$6.6M+9.9%	$6.7M+10.2%	$6.6M+10.1%	$6.7M+9.8%	$6.0M+10.9%	$6.0M+10.9%
Share Buybacks	$426K-85.3%	$15.7Mn/m	$587Kn/m	$1.0Mn/m	$2.9M+186.6%	$0-100.0%	$0-100.0%	$0-100.0%

Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow.

HBT Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HBT quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K
Net Margin	32.5%+0.5pp	32.0%+3.0pp	29.0%-2.3pp	31.3%-4.0pp	35.2%+11.0pp	24.2%-15.9pp	40.2%+0.4pp	39.7%+3.3pp	36.4%
Return on Equity	12.5%-0.7pp	13.2%-0.3pp	13.5%-1.7pp	15.1%+1.5pp	13.7%+3.5pp	10.1%-10.0pp	20.1%+1.3pp	18.7%+1.4pp	17.3%
Return on Assets	1.5%+0.1pp	1.4%+0.1pp	1.3%0.0pp	1.3%0.0pp	1.3%+0.3pp	1.0%-1.1pp	2.1%+0.1pp	2.0%	N/A
Liabilities-to-Equity	7.24-1.0x	8.24-1.1x	9.36-1.1x	10.47+1.0x	9.47+0.4x	9.08+0.3x	8.75+0.2x	8.55	N/A
Asset Turnover	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.05	N/A
FCF Margin	N/A	N/A	N/A	N/A	N/A	20.5%-32.9pp	53.5%	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	34.4%+1.7pp	16.6%-16.2pp	31.3%-3.0pp	33.0%+0.8pp	32.7%+0.8pp	32.9%+3.7pp	34.3%+1.6pp	32.2%-1.9pp
Return on Equity	3.6%+0.3pp	1.5%-1.9pp	3.1%-0.6pp	3.3%-0.1pp	3.3%-0.2pp	3.4%+0.3pp	3.7%-0.1pp	3.4%-0.9pp
Return on Assets	0.4%0.0pp	0.2%-0.2pp	0.4%0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%+0.1pp	0.4%0.0pp	0.4%0.0pp
Liabilities-to-Equity	7.80+0.2x	8.06+0.1x	7.24-1.0x	7.40-0.9x	7.64-1.2x	8.01-1.1x	8.24-1.1x	8.28-1.7x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
HBT Financial, Inc. HBT	FY2025	$237.1M	$77.0M	32.5%	$1.3B	66/100
Mercantile Bank Corp MBWM	FY2025	$242.7M	$88.8M	36.6%	$1.0B	65/100
Equity Bancshares, Inc. EQBK	FY2025	$210.1M	$22.7M	10.8%	$1.0B	42/100
Trustco Bank Corp NY TRST	FY2025	$187.9M	$61.1M	32.5%	$962.2M	51/100
Univest Financial Corporation UVSP	FY2025	$328.1M	$90.8M	27.7%	$1.2B	58/100
Capitol Federal Financial, Inc. CFFN	FY2025	$201.0M	$68.0M	33.8%	$1.1B	44/100

Where HBT Financial, Inc. Ranks

Frequently Asked Questions

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

HBT Financial, Inc. (HBT) reported $237.1M in total revenue for fiscal year 2025. This represents a 5.6% 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 5.6% year-over-year, from $224.4M to $237.1M in fiscal year 2025.

Is HBT Financial, Inc. profitable?

Yes, HBT Financial, Inc. (HBT) reported a net income of $77.7M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $77.0M, with a net profit margin of 32.5%.

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

HBT Financial, Inc. (HBT) had a net profit margin of 32.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does HBT Financial, Inc. pay dividends?

Yes, HBT Financial, Inc. (HBT) paid $0.84 per share in dividends during fiscal year 2025.

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

HBT Financial, Inc. (HBT) has a return on equity of 12.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

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

HBT Financial, Inc. (HBT) generated $85.1M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

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

HBT Financial, Inc. (HBT) had $5.1B in total assets as of fiscal year 2025, including both current and long-term assets.

Does HBT Financial, Inc. buy back shares?

Yes, HBT Financial, Inc. (HBT) spent $4.5M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

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

HBT Financial, Inc. (HBT) had 31M shares outstanding as of fiscal year 2025.

What is HBT Financial, Inc.'s liabilities-to-equity ratio?

HBT Financial, Inc. (HBT) had a liabilities-to-equity ratio of 7.24 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

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

HBT Financial, Inc. (HBT) had a return on assets of 1.5% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is HBT Financial, Inc.'s P/E ratio?

HBT Financial, Inc. (HBT) trades at 17.2x earnings, its market capitalization divided by $77.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.3B as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is HBT Financial, Inc.'s price-to-sales ratio?

HBT Financial, Inc. (HBT) trades at 5.0x sales, its market capitalization divided by $268.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.3B as of Oct 27, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

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

HBT Financial, Inc. (HBT) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is HBT Financial, Inc.?

HBT Financial, Inc. (HBT) scores 66 out of 100 on our Financial Health Score, indicating strong standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For HBT Financial, Inc. it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.