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. (HBT) Financials

HBT

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 Sep 12, 2026

Price / Sales 4.9x on $268.5M revenue, trailing 12 months to June 30, 2026

Price / Earnings 17.1x 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 Sep 12, 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 2026-09-05

HBT’s dominant mechanic is balance-sheet-funded banking: earnings grow while leverage eases and cash generation remains positive.

The business is converting reported profit into more operating cash than net income: FY2025 operating cash flow was $85M versus $77M of net income, a useful sign that earnings were not merely accounting accruals. The near-flat revenue base still produced a higher net margin in FY2025 than FY2024, indicating earnings improvement is not dependent on top-line expansion alone.

Debt-to-equity fell from 10.5x in FY2022 to 7.2x in FY2025, showing a less leveraged capital structure. At FY2025, liabilities of $4.5B sit against $615M equity, so the model remains liability-heavy despite improvement. This matters because a larger equity cushion can absorb balance-sheet swings without the same dependence on liabilities.

Interest expense declined from $63M in FY2024 to $57M in FY2025, while net margin improved, so the latest profit lift appears partly tied to lower funding cost rather than simply greater volume. The same period left return on assets at 1.5% and return on equity at 12.5%, showing that profitability remains modest relative to balance-sheet scale.

Financial Health Signals

Financial Health Score 55/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. 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 25/100 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 59/100 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

Not available for HBT Financial, Inc., and counted as zero in the overall score.

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, 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

$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; long-term debt is not reported 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 ROE was 3.6% in Q2 2026, measuring profit generated per dollar of shareholder equity. 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
SG&A Expenses	$160.5M	$129.4M+4.4%	$124.0M-5.3%	$131.0M+24.6%	$105.1M+15.2%	$91.2M-0.8%	$92.0M+1.0%	$91.0M+0.8%	$90.3M-4.0%	$94.1M
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-Q	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%
SG&A Expenses	$42.4M+33.0%	$52.4M+64.2%	$33.1M+7.0%	$32.5M+3.8%	$31.9M+4.6%	$31.9M+2.1%	$30.9M+1.7%	$31.3M+2.1%
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, 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
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0
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-Q	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%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
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, Inventory, Accounts Receivable, 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
Investing Cash Flow	$3.3M	-$39.6M-222.5%	$32.3M-75.6%	$132.7M+139.6%	-$335.1M+4.1%	-$349.6M+8.1%	-$380.4M-429.9%	$115.3M+77.2%	$65.1M+172.1%	-$90.3M
Financing Cash Flow	-$153.7M	-$60.9M+51.4%	-$125.3M+26.9%	-$171.4M-426.2%	-$32.6M-108.1%	$403.4M+6.8%	$377.7M+451.8%	-$107.3M+13.4%	-$123.9M-125.9%	-$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-Q	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%	-$66.6M+26.3%	-$50.2M-1491.1%	$60.4M+276.3%	$16.8M-89.0%	-$90.4M-215.9%	$3.6M+111.6%
Financing Cash Flow	-$58.7M+34.6%	-$97.2M-465.2%	$9.8M-68.4%	-$7.6M+83.1%	-$89.8M-77.6%	$26.6M+143.5%	$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%	$15.7M	$587K	$1.0M	$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
Debt-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

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	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
Debt-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, 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	55/100
Mercantile Bank Corp MBWM	FY2025	$242.7M	$88.8M	36.6%	$1.1B	65/100
Equity Bancshares, Inc. EQBK	FY2025	$210.1M	$22.7M	10.8%	$1.0B	35/100
Trustco Bank Corp NY TRST	FY2025	$187.9M	$61.1M	32.5%	$995.3M	43/100
Univest Financial Corporation UVSP	FY2025	$328.1M	$90.8M	27.7%	$1.2B	57/100
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 $77.0M in fiscal year 2025, 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 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 P/E ratio?

HBT Financial, Inc. (HBT) trades at 17.1x earnings, its market capitalization divided by net income of $77.7M net income, trailing 12 months to June 30, 2026. The market capitalization is $1.3B as of Sep 12, 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 4.9x sales, its market capitalization divided by revenue of $268.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $1.3B as of Sep 12, 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.

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 55 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite 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. 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.