HBT Financial

HBT

Market cap $773M

Bank holding company HBT Financial (HBT 4.07%) published its latest set of quarterly figures Monday morning, and investors were clearly impressed by the results. They pushed up the company's stock price by a bit over 4% in the trading session, a rate that was several times the 1.1% gain of the benchmark S&P 500 index.

HBT Financial, Inc. reported Q3 2025 EPS of $0.65, beating estimates, but revenue missed; profit growth remains modest. HBT announced a merger with CNB Bank Shares, aiming to drive future earnings growth, though risks and integration costs exist. HBT maintains strong net interest margin, asset quality, and a growing dividend, but faces geographic and economic headwinds in Illinois and Iowa.

While the top- and bottom-line numbers for HBT Financial (HBT) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

HBT Financial (HBT) came out with quarterly earnings of $0.65 per share, beating the Zacks Consensus Estimate of $0.62 per share. This compares to earnings of $0.61 per share a year ago.

Get a deeper insight into the potential performance of HBT Financial (HBT) for the quarter ended September 2025 by going beyond Wall Street's top-and-bottom-line estimates and examining the estimates for some of its key metrics.

BLOOMINGTON, Ill., Oct. 10, 2025 (GLOBE NEWSWIRE) -- HBT Financial, Inc. (NASDAQ: HBT) (the “Company” or “HBT Financial”), the holding company for Heartland Bank and Trust Company, today announced that it will issue its third quarter 2025 financial results before the market opens on Monday, October 20, 2025. A copy of the press release announcing the third quarter 2025 financial results and an investor presentation will be made available on the Company's investor relations website at https://ir.hbtfinancial.com .

HBT Financial delivered solid Q2 results, with stable credit quality, strong capitalization, and a secure 3.3% dividend yield supporting its investment case. Net interest margin and income are set to benefit from loan and securities portfolio maturities, but deposit and loan growth remain modest. Management is open to M&A for future growth, but near-term guidance points to flat deposits and only modest loan expansion.

Although the revenue and EPS for HBT Financial (HBT) give a sense of how its business performed in the quarter ended June 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

HBT Financial (HBT) came out with quarterly earnings of $0.63 per share, beating the Zacks Consensus Estimate of $0.6 per share. This compares to earnings of $0.57 per share a year ago.

Second Quarter Highlights Net income of $19.2 million, or $0.61 per diluted share; return on average assets (“ROAA”) of 1.53%; return on average stockholders' equity (“ROAE”) of 13.47%; and return on average tangible common equity (“ROATCE”) (1)  of 15.55% Adjusted net income (1)  of $19.8 million; or $0.63 per diluted share; adjusted ROAA (1)  of 1.58%; adjusted ROAE (1)  of 13.87%; and adjusted ROATCE (1)  of 16.02% Asset quality remained strong with nonperforming assets to total assets of 0.13% and net charge-offs to average loans of 0.12%, on an annualized basis Net interest margin increased 2 basis points to 4.14% and net interest margin (tax-equivalent basis) (1) increased 3 basis points to 4.19% BLOOMINGTON, Ill., July 21, 2025 (GLOBE NEWSWIRE) -- HBT Financial, Inc. (NASDAQ: HBT) (the “Company” or “HBT Financial” or “HBT”), the holding company for Heartland Bank and Trust Company, today reported net income of $19.2 million, or $0.61 diluted earnings per share, for the second quarter of 2025.