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, Inc. Financials

HBT

Source SEC Filings (10-K/10-Q) Updated Mar 31, 2026 Currency USD FYE December

This page shows Hbt Financial, Inc. (HBT) financial statements, including the 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 2026-05-06

HBT’s earnings engine is shifting toward higher returns on assets backed by a less leveraged balance sheet.

Over three years, debt-to-equity fell from 10.5x to 7.2x as the company built a larger equity base. Even so, ROA improved from 1.3% to 1.5%, which helps explain why net income kept rising while ROE eased: the business is earning more on each asset dollar with less leverage amplifying the outcome. That is a more durable profit shape than relying mainly on balance-sheet stretch.

Capital returns were self-funded: dividends plus buybacks totaled about $31.1M against net income of $77.0M. Retained earnings rose from $316.8M to $367.2M, so payouts did not stop the balance sheet from getting better capitalized.

Total assets were essentially flat near $5.1B in the last two years. Yet net income still moved from $71.8M to $77.0M, so scale was stable and asset productivity did more of the work than balance-sheet expansion. The company is extracting more earnings from a similar asset footprint.

Financial Health Signals

Financial Profile 14/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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.

Growth

Hbt Financial, Inc.'s revenue grew a modest 1.6% year-over-year to $255.8M. This slow but positive growth earns a score of 43/100.

Leverage

Hbt Financial, Inc. has elevated debt relative to equity (D/E of 7.24), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

Hbt Financial, Inc.'s ROE of 12.5% shows moderate profitability relative to equity, earning a score of 40/100. This is down from 13.2% the prior year.

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

1.10x

For every $1 of reported earnings, Hbt Financial, Inc. generates $1.10 in operating cash flow ($85.1M OCF vs $77.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$255.8M

YoY+1.6%

5Y CAGR+15.6%

Hbt Financial, Inc. generated $255.8M in revenue in fiscal year 2025. This represents an increase of 1.6% from the prior year.

EBITDA

N/A

Net Income

$77.0M

YoY+7.3%

5Y CAGR+15.9%

Hbt Financial, Inc. reported $77.0M in net income in fiscal year 2025. This represents an increase of 7.3% from the prior year.

EPS (Diluted)

$2.44

YoY+8.0%

5Y CAGR+12.7%

Hbt Financial, Inc. earned $2.44 per diluted share (EPS) in fiscal year 2025. This represents an increase of 8.0% from the prior year.

Cash & Balance Sheet

Free Cash Flow

N/A

Cash & Debt

$122.3M

YoY-11.2%

5Y CAGR-17.1%

Hbt Financial, Inc. held $122.3M in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

$0.84

YoY+10.5%

5Y CAGR+7.0%

Hbt Financial, Inc. paid $0.84 per share in dividends in fiscal year 2025. This represents an increase of 10.5% from the prior year.

Shares Outstanding

31M

YoY-0.4%

5Y CAGR+2.7%

Hbt Financial, Inc. had 31M shares outstanding in fiscal year 2025. This represents a decrease of 0.4% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

30.1%

YoY+1.6pp

5Y CAGR+0.4pp

Hbt Financial, Inc.'s net profit margin was 30.1% in fiscal year 2025, showing the share of revenue converted to profit. This is up 1.6 percentage points from the prior year.

Return on Equity

12.5%

YoY-0.7pp

5Y CAGR+2.4pp

Hbt Financial, Inc.'s ROE was 12.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.7 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$4.5M

YoY+1.9%

Hbt Financial, Inc. spent $4.5M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 1.9% from the prior year.

Capital Expenditures

N/A

HBT Income Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Revenue	$255.8M+1.6%	$251.7M+9.9%	$229.0M+49.6%	$153.1M+19.4%	$128.2M+3.4%	$124.1M
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	$129.4M+4.4%	$124.0M-5.3%	$131.0M+24.6%	$105.1M+15.2%	$91.2M-0.8%	$92.0M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$56.9M-9.5%	$62.9M+65.7%	$37.9M+428.2%	$7.2M+23.4%	$5.8M-9.9%	$6.5M
Income Tax	$27.5M+7.4%	$25.6M+12.6%	$22.7M+15.2%	$19.7M-2.7%	$20.3M+59.4%	$12.7M
Net Income	$77.0M+7.3%	$71.8M+9.0%	$65.8M+16.6%	$56.5M+0.3%	$56.3M+52.7%	$36.8M
EPS (Diluted)	$2.44+8.0%	$2.26+9.2%	$2.07+6.2%	$1.95-3.5%	$2.02+50.7%	$1.34

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Revenue	$71.8M+11.6%	$64.4M+0.1%	$64.3M+0.7%	$63.9M+1.2%	$63.1M+0.5%	$62.8M-2.1%	$64.1M+2.1%	$62.8M
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	$52.4M+58.6%	$33.1M+1.7%	$32.5M+1.9%	$31.9M-0.1%	$31.9M+3.3%	$30.9M-1.3%	$31.3M+2.7%	$30.5M
Operating Income	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Interest Expense	$15.5M+11.6%	$13.8M-3.5%	$14.3M+0.6%	$14.3M-1.2%	$14.4M-6.3%	$15.4M-6.0%	$16.4M+3.7%	$15.8M
Income Tax	$3.9M-44.8%	$7.0M+0.1%	$7.0M-2.3%	$7.1M+10.9%	$6.4M-9.8%	$7.1M+12.5%	$6.3M-8.0%	$6.9M
Net Income	$11.2M-40.9%	$18.9M-4.2%	$19.8M+2.8%	$19.2M+0.8%	$19.1M-5.9%	$20.3M+11.5%	$18.2M+0.6%	$18.1M
EPS (Diluted)	$0.34	N/A	$0.63+3.3%	$0.61+1.7%	$0.60	N/A	$0.570.0%	$0.57

HBT Balance Sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Total Assets	$5.1B+0.8%	$5.0B-0.8%	$5.1B+18.3%	$4.3B-0.6%	$4.3B+17.7%	$3.7B
Current Assets	N/A	N/A	N/A	N/A	N/A	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
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%	$59.8M0.0%	$59.8M+104.0%	$29.3M0.0%	$29.3M+24.1%	$23.6M
Total Liabilities	$4.5B-0.7%	$4.5B-2.1%	$4.6B+17.1%	$3.9B+0.3%	$3.9B+18.2%	$3.3B
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	$615.5M+13.0%	$544.6M+11.3%	$489.5M+31.0%	$373.6M-9.3%	$411.9M+13.2%	$363.9M
Retained Earnings	$367.2M+15.9%	$316.8M+17.7%	$269.1M+16.0%	$232.0M+19.5%	$194.1M+25.6%	$154.6M

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Total Assets	$6.8B+33.6%	$5.1B+0.7%	$5.0B+0.3%	$5.0B-1.4%	$5.1B+1.2%	$5.0B+0.8%	$5.0B-0.3%	$5.0B
Current Assets	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash & Equivalents	$287.7M+135.3%	$122.3M-21.2%	$155.1M-20.7%	$195.7M-7.5%	$211.6M+53.7%	$137.7M-23.4%	$179.7M-8.0%	$195.2M
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	$83.5M+39.6%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M0.0%	$59.8M
Total Liabilities	$6.0B+35.2%	$4.5B+0.5%	$4.4B0.0%	$4.4B-2.0%	$4.5B+0.9%	$4.5B+0.8%	$4.5B-1.0%	$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	$747.4M+21.4%	$615.5M+2.7%	$599.1M+3.1%	$580.9M+2.8%	$565.1M+3.8%	$544.6M+1.3%	$537.7M+5.5%	$509.5M
Retained Earnings	$371.1M+1.1%	$367.2M+3.5%	$354.9M+3.8%	$341.8M+3.8%	$329.2M+3.9%	$316.8M+4.7%	$302.5M+4.2%	$290.4M

HBT Cash Flow Statement

Metric	FY25	FY24	FY23	FY22	FY21	FY20
Operating Cash Flow	$85.1M-4.8%	$89.4M+35.8%	$65.8M-9.3%	$72.6M+68.7%	$43.0M+37.7%	$31.3M
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	-$39.6M-222.5%	$32.3M-75.6%	$132.7M+139.6%	-$335.1M+4.1%	-$349.6M+8.1%	-$380.4M
Financing Cash Flow	-$60.9M+51.4%	-$125.3M+26.9%	-$171.4M-426.2%	-$32.6M-108.1%	$403.4M+6.8%	$377.7M
Dividends Paid	$26.6M+10.0%	$24.2M+10.6%	$21.9M+17.7%	$18.6M+10.9%	$16.8M+1.4%	$16.5M
Share Buybacks	$4.5M+1.9%	$4.4M-50.3%	$8.9M+86.2%	$4.8M-2.5%	$4.9M	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
Operating Cash Flow	$28.5M+19.3%	$23.9M+39.2%	$17.2M+26.7%	$13.6M-55.5%	$30.4M+76.1%	$17.3M-32.3%	$25.5M+28.9%	$19.8M
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	$234.1M+451.4%	-$66.6M-32.7%	-$50.2M-183.2%	$60.4M+258.3%	$16.8M+118.6%	-$90.4M-2605.2%	$3.6M+110.5%	-$34.2M
Financing Cash Flow	-$97.2M-1086.8%	$9.8M+230.2%	-$7.6M+91.6%	-$89.8M-437.2%	$26.6M-14.6%	$31.2M+169.7%	-$44.7M+11.5%	-$50.5M
Dividends Paid	$7.3M+9.5%	$6.6M-0.2%	$6.7M0.0%	$6.6M-0.3%	$6.7M+10.4%	$6.0M+0.1%	$6.0M0.0%	$6.0M
Share Buybacks	$15.7M+2580.2%	$587K-42.2%	$1.0M-65.0%	$2.9M	$0	$0	$0-100.0%	$1.0M

HBT Financial Ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20
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	30.1%+1.6pp	28.5%-0.2pp	28.7%-8.1pp	36.9%-7.0pp	43.9%+14.2pp	29.7%
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%
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%
Current Ratio	N/A	N/A	N/A	N/A	N/A	N/A
Debt-to-Equity	7.24-1.0	8.24-1.1	9.36-1.1	10.47+1.0	9.47+0.4	9.08
FCF Margin	N/A	N/A	N/A	N/A	N/A	N/A

Metric	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24	Q2'24
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	15.6%-13.8pp	29.4%-1.3pp	30.7%+0.6pp	30.1%-0.1pp	30.2%-2.1pp	32.3%+3.9pp	28.3%-0.4pp	28.8%
Return on Equity	1.5%-1.6pp	3.1%-0.2pp	3.3%0.0pp	3.3%-0.1pp	3.4%-0.3pp	3.7%+0.3pp	3.4%-0.2pp	3.5%
Return on Assets	0.2%-0.2pp	0.4%-0.0pp	0.4%0.0pp	0.4%0.0pp	0.4%-0.0pp	0.4%+0.0pp	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	8.06+0.8	7.24-0.2	7.40-0.2	7.64-0.4	8.01-0.2	8.24-0.0	8.28-0.5	8.83
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 $255.8M in total revenue for fiscal year 2025. This represents a 1.6% 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 1.6% year-over-year, from $251.7M to $255.8M in fiscal year 2025.

Is Hbt Financial, Inc. profitable?

Yes, Hbt Financial, Inc. (HBT) reported a net income of $77.0M in fiscal year 2025, with a net profit margin of 30.1%.

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

Hbt Financial, Inc. (HBT) had a net profit margin of 30.1% 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 debt-to-equity ratio?

Hbt Financial, Inc. (HBT) had a debt-to-equity ratio of 7.24 as of fiscal year 2025, 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 1.5% for fiscal year 2025, 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 to 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 1.10x, 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.

How financially healthy is Hbt Financial, Inc.?

Hbt Financial, Inc. (HBT) scores 14 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.