HBT Financial, Inc. (HBT) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, HBT Financial reported revenue of $237.1M, up 5.6% from $224.4M the year before. Net income was $77.0M (a 32.5% net margin), or $2.44 per diluted share. Net interest income was $198.9M, and the efficiency ratio (noninterest expense / revenue) was 54.6%. Operating activities generated $85.1M of cash. At fiscal year end, HBT Financial held $5.07B in total assets against $4.46B in total liabilities, including $122.3M of cash and equivalents.
Open the full interactive HBT Financial financials → Quarterly statements, key ratios, valuation history and price charts.
HBT Financial Key Stats
| Share Price | $35.32 |
|---|---|
| Market Cap | $1.29B |
| P/E Ratio | 14.5 |
| Revenue YoY Growth | +5.6% |
| 52-Week Range | $22.36 – $37.22 |
| Shares Outstanding | 36.4 million (basic, 2026 Q2) |
HBT Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $117.6M | $122.4M | $145.9M | $191.1M | $188.8M | $198.9M |
| Provision for Credit Losses | $10.5M | -$8.1M | -$706,000 | $7.6M | $3.0M | $3.2M |
| Noninterest Income | $34.5M | $37.3M | $34.7M | $36.0M | $35.6M | $38.2M |
| Noninterest Expense | $92.0M | $91.2M | $105.1M | $131.0M | $124.0M | $129.4M |
| Revenue | $152.1M | $159.7M | $180.6M | $227.1M | $224.4M | $237.1M |
| Pre-Tax Income | $49.6M | $76.6M | $76.2M | $88.6M | $97.4M | $104.5M |
| Income Tax | $12.7M | $20.3M | $19.7M | $22.7M | $25.6M | $27.5M |
| Net Income | $36.8M | $56.3M | $56.5M | $65.8M | $71.8M | $77.0M |
| Diluted EPS | $1.34 | $2.02 | $1.95 | $2.07 | $2.26 | $2.44 |
HBT Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $59.8M | $60.4M | $67.3M | $80.9M |
| Net Income | $19.8M | $18.9M | $11.2M | $27.8M |
| Diluted EPS | $0.63 | $0.60 | $0.34 | $0.76 |
HBT Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $312.5M | $409.3M | $114.2M | $141.3M | $137.7M | $122.3M |
| Loans (Net) | $2.22B | $2.48B | $2.59B | $3.36B | $3.42B | $3.41B |
| Total Assets | $3.67B | $4.31B | $4.29B | $5.07B | $5.03B | $5.07B |
| Deposits | $3.13B | $3.74B | $3.59B | $4.40B | $4.32B | $4.36B |
| Total Long-Term Debt | $76.9M | $77.0M | $77.2M | $92.3M | $92.4M | $52.9M |
| Total Liabilities | $3.30B | $3.90B | $3.91B | $4.58B | $4.49B | $4.46B |
| Shareholders' Equity | $363.9M | $411.9M | $373.6M | $489.5M | $544.6M | $615.5M |
HBT Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $31.3M | $43.1M | $72.6M | $65.8M | $89.4M | $85.1M |
| Cash From Investing | -$380.4M | -$349.6M | -$335.1M | $132.7M | $32.3M | -$39.6M |
| Cash From Financing | $377.7M | $403.3M | -$32.6M | -$171.4M | -$125.3M | -$60.9M |
Figures from HBT Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full HBT Financial financials page for every line item.
HBT Financial Company Profile
| Ticker | HBT |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Bloomington, Illinois |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0000775215 |
Frequently Asked Questions
What was HBT Financial's revenue in fiscal 2025?
HBT Financial (HBT) reported revenue of $237.1M for fiscal 2025.
What is HBT Financial's annual revenue history?
HBT Financial's annual revenue by fiscal year: 2020: $152.1M; 2021: $159.7M; 2022: $180.6M; 2023: $227.1M; 2024: $224.4M; 2025: $237.1M.
What was HBT Financial's net income in fiscal 2025?
HBT Financial reported net income of $77.0M for fiscal 2025.
What was HBT Financial's earnings per share (EPS) in fiscal 2025?
HBT Financial's diluted EPS was $2.44 for fiscal 2025 (adjusted for any later stock splits).
What was HBT Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), HBT Financial reported revenue of $80.9M.
How much debt does HBT Financial have?
HBT Financial reported $52.9M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of HBT Financial are outstanding?
HBT Financial reported a weighted average of 36.4 million basic shares outstanding in 2026 Q2.
What is HBT Financial's market cap?
Based on its latest closing price, HBT Financial (HBT) has a market capitalization of about $1.29B.
When does HBT Financial's fiscal year end?
HBT Financial's fiscal year end, as registered with the SEC, is December 31.
Where is HBT Financial headquartered?
HBT Financial lists its business address in Bloomington, Illinois in its SEC filings.