NASDAQ · Financial Statements

HBT Financial, Inc. (HBT) Financial Statements

$36.24 NASDAQ: HBT Market Cap $1.32B

HBT Financial, Inc. most recently reported annual revenue of $293.0M, net profit of $77.0M. Revenue grew at an average annual rate of 13.3% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

HBT Financial, Inc.: Revenue rose from $164.0M in 2016 to $293.0M in 2025, a change of +78.7% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 36.4% to 35.6%, a shift of -0.7 percentage points; the most recent year shows net profit of $77.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$164.0M$158.0M$166.0M$174.0M$157.0M$164.0M$187.0M$264.0M$285.0M$293.0M
Operating Expenses$104.0M$101.0M$101.0M$102.0M$107.0M$88.0M$111.0M$175.0M$188.0M$189.0M
Operating Profit$60.0M$57.0M$65.0M$72.0M$50.0M$77.0M$76.0M$89.0M$97.0M$105.0M
Operating Margin36.4%36.1%39.0%41.5%31.6%46.6%40.8%33.6%34.1%35.6%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$7.0M$7.0M$8.0M$10.0M$6.0M$6.0M$7.0M$38.0M$63.0M$57.0M
Depreciation$6.0M$5.0M$5.0M$4.0M$4.0M$4.0M$4.0M$6.0M$6.0M$5.0M
Profit Before Tax$60.0M$57.0M$65.0M$72.0M$50.0M$77.0M$76.0M$89.0M$97.0M$105.0M
Tax$1.8M$1.5M$1.3M$7.3M$25.7M$26.5M$25.9M$25.7M$26.3M$26.3M
Net Profit$59.0M$56.0M$64.0M$67.0M$37.0M$56.0M$56.0M$66.0M$72.0M$77.0M
EPS$2.22$2.13$2.42$3.33$1.34$2.02$2.09$2.07$2.26$2.44
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$68.0M$70.0M$67.0M$72.0M$72.0M$74.0M$72.0M$73.0M$74.0M$74.0M$83.0M$100.0M
Operating Expenses$42.0M$45.0M$47.0M$47.0M$48.0M$46.0M$47.0M$47.0M$47.0M$48.0M$68.0M$63.0M
Operating Profit$27.0M$25.0M$21.0M$25.0M$25.0M$27.0M$26.0M$26.0M$27.0M$26.0M$15.0M$38.0M
Operating Margin39.0%35.3%30.6%34.7%33.9%37.1%35.4%36.1%36.2%34.9%18.2%37.6%
Interest$11.0M$14.0M$15.0M$16.0M$16.0M$15.0M$14.0M$14.0M$14.0M$14.0M$15.0M$20.0M
Profit Before Tax$27.0M$25.0M$21.0M$25.0M$25.0M$27.0M$26.0M$26.0M$27.0M$26.0M$15.0M$38.0M
Tax$25.9M$25.6M$25.6M$27.6M$25.8M$26.0M$25.2M$27.0M$26.1M$26.9M$25.6M$26.3M
Net Profit$20.0M$18.0M$15.0M$18.0M$18.0M$20.0M$19.0M$19.0M$20.0M$19.0M$11.0M$28.0M
EPS$0.62$0.58$0.48$0.57$0.57$0.64$0.60$0.61$0.63$0.60$0.34$0.76

Over the 10 years reported for HBT Financial, Inc., cash stood at $24.0M in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.28 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets—$3.3B$3.3B$3.2B$3.7B$4.3B$4.3B$5.1B$5.0B$5.1B
Current Assets—$951.0M$882.0M$891.0M$1.3B$1.4B$977.0M$926.0M$215.0M$861.0M
Cash—$166.0M$187.0M$284.0M$312.0M$410.0M$114.0M$142.0M$138.0M$24.0M
Inventory—$0$0$0$0$0$0$0$0$0
Receivables—$15.0M$15.0M$14.0M$14.0M$15.0M$20.0M$25.0M$25.0M$24.0M
Fixed Assets—$56.0M$55.0M$54.0M$53.0M$52.0M$50.0M$65.0M$67.0M$74.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$0$3.0B$2.9B$2.8B$3.2B$3.8B$4.0B$4.7B$4.6B$815.0M
Other Assets—$24.0M$24.0M$24.0M$24.0M$29.0M$29.0M$60.0M$60.0M$60.0M
Total Liabilities—$3.0B$2.9B$2.9B$3.3B$3.9B$3.9B$4.6B$4.5B$4.5B
Current Liabilities—$2.9B$2.8B$2.8B$3.2B$3.8B$3.6B$4.4B$4.3B$3.0B
Borrowings$0$104.0M$84.0M$82.0M$123.0M$138.0M$280.0M$147.0M$135.0M$65.0M
Other Liabilities—$2.9B$2.8B$2.8B$3.2B$3.8B$3.6B$4.4B$4.4B$4.4B
Equity—$0$0$0$0$0$0$0$0$0
Reserves—$324.0M$340.0M$333.0M$364.0M$412.0M$374.0M$489.0M$545.0M$615.0M

For HBT Financial, Inc., operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $75.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$68.0M$72.0M$80.0M$89.0M$31.0M$43.0M$73.0M$66.0M$89.0M$85.0M
Investing Cash Flow$23.0M$-92.0M$63.0M$113.0M$-382.0M$-351.0M$-336.0M$130.0M$27.0M$-50.0M
Financing Cash Flow$10.0M$-23.0M$-52.0M$-19.0M$355.0M$433.0M$4.0M$85.0M$-101.0M$7.0M
Net Cash Flow$13.0M$-73.0M$21.0M$97.0M$28.0M$97.0M$-295.0M$27.0M$-4.0M$-15.0M
Free Cash Flow$67.0M$70.0M$78.0M$87.0M$29.0M$42.0M$72.0M$63.0M$84.0M$75.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-4.18
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y27.41%
Return 3Y84.75%
Return 5Y119.14%

HBT Financial, Inc. (HBT) financials — frequently asked questions

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

HBT Financial, Inc. (HBT) reported annual revenue of $293.0M in its most recent fiscal year.

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

HBT Financial, Inc. (HBT) reported net profit of $77.0M in its most recent fiscal year.

Popular Stocks

Apple (AAPL)Microsoft (MSFT)NVIDIA (NVDA)Alphabet (GOOGL)Amazon (AMZN)Meta (META)Tesla (TSLA)Broadcom (AVGO)Eli Lilly (LLY)JPMorgan (JPM)

Related stock screens

High ROE Financial Services StocksLow P/E Financial Services StocksHigh Net Margin Financial Services StocksDividend Financial Services StocksLow Debt Financial Services StocksHigh ROE StocksLow P/E StocksHigh Net Margin StocksDividend StocksLow Debt StocksNasdaq High ROE StocksAll stock screens
HBT Overview HBT Dividend Run Stock Screener

Data for information only, not investment advice. Figures may be delayed or inaccurate; verify against company filings. See our disclaimer.