HBT Financial, Inc.
HBT Nasdaq· State Commercial Banks
Last close · Oct 27, 2026
$36.75
KIRA · Stoqly’s AI analyst, in plain words
- HBT Financial, Inc. had $237M of revenue in fiscal 2025, up 5.6% on the year before. Over five years, revenue changed +9.3% a year on average.
- HBT Financial, Inc. made $77.0M of net profit in fiscal 2025. From fiscal 2017 to 2025, diluted EPS grew −2.9% a year.
- HBT Financial, Inc. returned $31.1M to shareholders in fiscal 2025. The diluted share count fell 0.3%.
- It earned 13.3% on shareholders’ money. Running costs took 54.6% of revenue (the efficiency ratio; lower is better).
Market cap
$1.3B
P/E
15.8x
Revenue
$237M
Net income
$77.0M
Return on equity
13.3%
Efficiency ratio
54.6%
HBT Financial, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+5.6%
Yes. Sales grew 5.6% last year.
Does it make a profit?
32.5%
Yes. It keeps 32.5% of every sale as profit.
How lean are its costs?
54.6%
Lean. Running costs take 54.6% of revenue.
How much does it earn on its capital?
13.3%
Good. It earns 13.3% a year on shareholders’ money.
How is the share priced?
15.8x
One share costs 15.8 times its yearly profit per share.
What HBT Financial, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 6, 2026
- Legal name
- HBT Financial, Inc.
- CIK
- 0000775215
HBT Financial, Inc. · HBT
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $160M | $181M | $227M | $224M | $237M |
| Revenue growth | 5.0% | 13.1% | 25.8% | −1.2% | 5.6% |
| Net interest income | $122M | $146M | $191M | $189M | $199M |
| Net income | $56.3M | $56.5M | $65.8M | $71.8M | $77.0M |
| Net margin | 35.2% | 31.3% | 29.0% | 32.0% | 32.5% |
| Diluted EPS | $2.02 | $1.95 | $2.07 | $2.26 | $2.44 |
| Cash | |||||
| Cash from operations | $43.0M | $72.6M | $65.8M | $89.4M | $85.1M |
| Dividends paid | $16.8M | $18.6M | $21.9M | $24.2M | $26.6M |
| Share buybacks | $4.9M | $4.8M | $8.9M | $4.4M | $4.5M |
| Share count change | 1.3% | 4.0% | 9.7% | −0.1% | −0.3% |
| Debt and strength | |||||
| Cash and short-term investments | $409M | $114M | $141M | $138M | $122M |
| Loans, net | $2.5B | $2.6B | $3.4B | $3.4B | $3.4B |
| Deposits | $3.7B | $3.6B | $4.4B | $4.3B | $4.4B |
| Shareholders' equity | $412M | $374M | $489M | $545M | $615M |
| Returns and quality | |||||
| Return on equity | 14.5% | 14.4% | 15.3% | 13.9% | 13.3% |
| Return on tangible equity | 14.8% | 16.4% | 16.1% | 15.4% | 14.2% |
| Efficiency ratio | 57.1% | 58.2% | 57.7% | 55.3% | 54.6% |
Insiders bought, 12 months
$0.1M
1 insider
Insiders sold, 12 months
$1.1M
4 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
HBT Financial, Inc. · HBT
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $36.75 a share, the company is worth $1.3B: 15.8 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000775215). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.