Saturday 17 October 2026 Export HBT’s income statement to Excel — free account

HBT Financial, Inc.

HBT Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $294.0 million, up 2.33% from fiscal 2024. In the quarter to June 2026, revenue grew 37.5%, EPS grew 26.2%, free cash flow grew 36.9% and total debt rose 49.8%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for five; insiders bought in the last twelve months.

35.58 0.21 +0.59%

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Market cap: $1.3B
P/E: 15.2×
Fwd P/E: 11.1×
Dividend yield: 2.59%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.10

Total sells 1.11

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	1	—	—	—	—	—	—	—
Sell	—	—	—	2	2	1	—	—	—	—	—	—

Insider Ownership 53.29%

Capital & Financial Ratios $m

Market Cap 1,290.00

Revenue 331.68

Net Income 77.75

Free Cash Flow 75.89

Net Debt 16.83

Current Ratio 0.84

Debt/Equity 0.20

P/E ratio 15.21

Fwd P/E 11.10

P/S ratio 3.90

P/B ratio 1.69

Past 5Y EPS Growth 12.73%

This Y EPS Growth 20.56%

Next Y EPS Growth 13.89%

Next Y revenue growth 7.49%

Next 5Y EPS Growth 12.62%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 97.56%

10-year low 10-year high

P/S against its own 10 years 97.56%

10-year low 10-year high

P/B against its own 10 years 95.97%

10-year low 10-year high

Dividends

Payout Ratio 0.39

Annual Dividend Rate 0.92

Annual Dividend Yield 2.59%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.96	0.23 0.23 0.25
2025	0.84	0.21 0.21 0.21 0.21
2024	0.76	0.19 0.19 0.19 0.19
2023	0.68	0.17 0.17 0.17 0.17
2022	0.64	0.16 0.16 0.16 0.16
2021	0.60	0.15 0.15 0.15 0.15
2020	0.60	0.15 0.15 0.15 0.15
2019	Powerpack
2018	Powerpack

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	142	138	122	132
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	3,533	3,588	3,562	4,863

	2023	2024	2025	Q'26
Payables	4,401	4,318	4,359	5,758
ST’ Debt	—	—	—	—
Other	—	—	—	—
	4,444	4,347	4,359	5,758

Compound Annual Growth %

	10y	5y	3y
Sales	—	13.15%	16.12%
Cash Flow	—	22.17%	5.43%
Earnings	—	15.94%	10.95%
Book Value	—	11.08%	18.10%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	83	100	—	—	—
’25	72	73	74	74	294
’24	68	72	73	74	287
’23	59	67	69	71	265
’22	43	44	47	53	188
’21	41	40	41	44	166
’20	38	38	40	42	159

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	29	17	—	—	—
’25	30	14	17	24	85
’24	27	20	26	17	89
’23	21	15	17	13	66
’22	21	10	18	23	73
’21	6	17	3	16	43
’20	13	(25)	8	36	31

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	26	16	—	—	—
’25	29	11	15	19	75
’24	25	18	25	16	84
’23	21	14	16	12	63
’22	22	10	18	23	73
’21	6	17	3	16	42
’20	12	(26)	7	36	29

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.34	0.76	—	—	—
’25	0.60	0.61	0.63	0.60	2.44
’24	0.48	0.57	0.57	0.64	2.26
’23	0.30	0.58	0.62	0.58	2.07
’22	0.47	0.49	0.54	0.46	2.09
’21	0.55	0.50	0.50	0.47	2.02
’20	0.23	0.27	0.38	0.46	1.34

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	—	—	—	15.27	9.11	14.18	16.09	16.33	17.75	19.46	Analyst estimates 2026–2028 Powerpack
	High	—	—	—	19.09	20.71	19.44	22.48	23.49	25.35	27.85
People
People	Employees	—	—	—	747	747	728	711	844	844	826
	Revenue/emp, $m	0.00	0.00	0.00	0.24	0.21	0.23	0.26	0.31	0.34	0.36
Income, $m
Income, $m	Revenue	163	161	169	176	159	166	188	265	287	294
	Gross margin, %	0.00	95.90	95.26	94.37	95.92	96.48	96.18	85.69	78.12	80.65
	EBT	60	57	65	72	50	77	76	89	97	105
	EBT margin, %	36.55	35.44	38.34	40.86	31.27	46.25	40.58	33.42	33.90	35.55
	Net income	59	56	64	67	37	56	56	66	72	77
	Depreciation	—	11	10	8	9	11	11	12	10	8
Per share, $
Per share, $	Revenue	5.91	8.90	9.35	8.78	5.77	5.96	6.51	8.38	9.09	9.33
	Earnings	2.12	3.10	3.54	3.43	1.34	2.02	2.09	2.08	2.27	2.44
	Cash flow	2.24	3.99	4.43	4.43	1.14	1.55	2.52	2.08	2.83	2.70
	Capex	0.00	(0.11)	0.03	(0.04)	(0.07)	(0.04)	0.01	(0.08)	(0.17)	(0.31)
	Free cash flow	2.24	3.88	4.47	4.39	1.07	1.51	2.53	2.00	2.65	2.39
	Book value	0.00	0.00	18.86	16.57	13.25	14.82	12.95	15.48	17.24	19.54
	Shares, m	28	18	18	20	27	28	29	32	32	32
Valuation, ×
Valuation, ×	P/E	4.09	4.09	4.09	5.54	11.31	9.27	9.87	10.27	9.65	10.59
	P/S	1.60	1.60	1.60	2.16	2.62	3.14	2.97	2.55	2.41	2.77
	P/B	0.80	0.80	0.80	1.15	1.14	1.26	1.49	1.38	1.27	1.32
	EV/Sales	0.93	0.93	0.93	0.76	1.14	1.13	3.62	2.41	2.30	2.58
	EV/FCF	2.03	2.03	2.03	1.53	6.14	4.47	9.33	10.09	7.87	10.07
Cash, $m
Cash, $m	Operating cash flow	62	72	80	89	31	43	73	66	89	85
	Capex	(1)	(2)	1	(1)	(2)	(1)	0	(3)	(6)	(10)
	Free cash flow	62	70	81	88	29	42	73	63	84	75
Balance, $m
Balance, $m	Working capital	—	—	(513)	(377)	(620)	(894)	(901)	(911)	(759)	(797)
	Total debt	—	37	38	38	77	77	237	105	106	65
	Net debt	—	37	(150)	(247)	(236)	(333)	123	(37)	(32)	(57)
	Shareholders’ equity	—	—	340	333	364	412	374	489	545	615
Returns, %
Returns, %	ROA	0.00	3.45	3.93	2.06	1.06	1.41	1.31	1.41	1.42	1.52
	ROIC	—	96.24	21.18	52.24	24.14	60.45	9.59	12.23	11.87	11.70
	ROE	0.00	16.89	19.21	19.86	10.55	14.48	14.36	15.25	13.88	13.28

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
AMAL Amalgamated Financial Corp.	$1.4B	12.4×	10.7×	+15.47% (above 0%: growing)	+36.47% (above 0%: growing)	−23.52% (below 0%: shrinking)	75.97%	0.00%	Compare
BHRB Burke & Herbert Financial Services Corp.	$1.4B	11.1×	8.4×	+20.93% (above 0%: growing)	−74.75% (below 0%: shrinking)	+49.60% (above 0%: growing)	70.87%	0.00%	Compare
TMP Tompkins Financial Corporation	$1.4B	7.9×	11.6×	+2.51% (above 0%: growing)	+36.42% (above 0%: growing)	−198.57% (below 0%: shrinking)	73.16%	0.00%	Compare
CTBI Community Trust Bancorp, Inc.	$1.4B	12.5×	11.1×	+6.97% (above 0%: growing)	+18.84% (above 0%: growing)	+217.37% (above 0%: growing)	72.12%	0.00%	Compare
PEBO Peoples Bancorp Inc.	$1.3B	11.0×	11.0×	−3.48% (below 0%: shrinking)	+31.67% (above 0%: growing)	+12.07% (above 0%: growing)	76.44%	0.00%	Compare
FMBH First Mid Bancshares, Inc.	$1.3B	12.3×	10.3×	+22.84% (above 0%: growing)	+7.14% (above 0%: growing)	+290.93% (above 0%: growing)	75.49%	0.00%	Compare
HBT HBT Financial, Inc.	$1.3B	15.2×	11.1×	+37.46% (above 0%: growing)	+26.23% (above 0%: growing)	+36.90% (above 0%: growing)	80.56%	0.00%
OSBC Old Second Bancorp, Inc.	$1.3B	14.0×	9.9×	+32.87% (above 0%: growing)	+12.24% (above 0%: growing)	−31.22% (below 0%: shrinking)	84.39%	0.00%	Compare
PFBC Preferred Bank	$1.2B	9.4×	9.2×	+1.39% (above 0%: growing)	+10.55% (above 0%: growing)	−33.29% (below 0%: shrinking)	58.34%	0.00%	Compare
Median of peers	$1.3B	11.7×	10.5×	+11.22%	+15.54%	−5.72%	74.33%	0.00%

All 323 Banks Regional stocks →

HBT Financial, Inc. (HBT) key facts

Strength: HBT Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $294.0 million, up 2.33% from fiscal 2024.
HBT Financial, Inc. (HBT) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, HBT traded at $35.58, a market capitalization of $1.3 billion.
HBT Financial, Inc. pays an annual dividend of $0.92 per share, a yield of 2.59%, with a payout ratio of 39.5%.
Return on equity was 13.3% and debt-to-equity 0.20.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.