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HBT Financial, Inc. HBT Q3 2025 earnings

Reported October 20, 2025 · Before market open

Revenue$59.6MMiss by $1.4M
EPS$0.65Beat by $0.03
Revenue estimate$61.0M
EPS estimate$0.62

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$83.1M
EPS estimate$0.78

Financials

Q3 2025

Income statement

See full
Revenue$59.8M+6.0%
Net income$19.8M+8.7%
EPS (diluted)$0.63+10.5%

Balance sheet

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Cash & equivalents$155.1M-13.7%
Total debt$7.3M-45.9%
Total equity$599.1M+11.4%
Total assets$5.0B+0.9%

Cash flow

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Operating cash flow$17.2M-32.7%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$793.68M+14.9%
Enterprise value$645.82M+23.2%
P/E10.1×+0.3×
P/S3.4×+0.3×

Profitability

See full
Net margin33.2%+1.7pp

Returns & leverage

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Return on equity13.8%-0.3pp
Debt / equity0×0.0×

Segments

By product

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Wealth management fees$3.1M+16.9%
Card income$2.7M-0.8%
Service charges on deposit accounts$2.1M+0.6%

FAQ

When did HBT Financial, Inc. report Q3 2025 earnings?
HBT Financial, Inc. (HBT) reported Q3 2025 earnings on October 20, 2025 before market open.
What were HBT Financial, Inc.'s Q3 2025 revenue and EPS?
HBT Financial, Inc. reported revenue of $59.6M and eps of $0.65 for Q3 2025.
Did HBT Financial, Inc. beat estimates in Q3 2025?
Revenue missed the consensus estimate of $61.0M by $1.4M. EPS beat the consensus estimate of $0.62 by $0.03.
How did HBT Financial, Inc.'s Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 5.8% from $56.3M a year earlier and eps grew 14.0% from $0.57.
Where can I find HBT Financial, Inc.'s Q3 2025 SEC filings?
You can read the 8-K earnings release (0000775215-25-000043) and the 10-Q periodic report (0000775215-25-000056) directly on SEC EDGAR. The filing index links above go to sec.gov.