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HBT Financial, Inc. HBT Q4 2025 Annual earnings

Reported January 26, 2026 · Before market open

Revenue$60.4MMiss by $560.4K
EPS$0.64In line
Revenue estimate$61.0M
EPS estimate$0.64

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$60.4M+2.4%
Net income$18.9M-6.6%
EPS (diluted)$0.60-6.2%

Balance sheet

See full
Cash & equivalents$122.3M-11.2%
Total debt$12.3M-7.0%
Total equity$615.5M+13.0%
Total assets$5.1B+0.8%

Cash flow

See full
Operating cash flow$23.9M+38.3%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$812.52M+17.6%
Enterprise value$702.55M+24.0%
P/E10.6×+0.9×
P/S3.4×+0.3×

Profitability

See full
Net margin32.5%+0.5pp

Returns & leverage

See full
Return on equity13.3%-0.6pp
Debt / equity0×0.0×

Segments

By product

See full
Wealth management fees$3.4M+7.0%
Card income$2.7M-3.2%
Service charges on deposit accounts$2.1M+0.4%

FAQ

When did HBT Financial, Inc. report Q4 2025 earnings?
HBT Financial, Inc. (HBT) reported Q4 2025 earnings on January 26, 2026 before market open.
What were HBT Financial, Inc.'s Q4 2025 revenue and EPS?
HBT Financial, Inc. reported revenue of $60.4M and eps of $0.64 for Q4 2025.
Did HBT Financial, Inc. beat estimates in Q4 2025?
Revenue missed the consensus estimate of $61.0M by $560.4K. EPS beat the consensus estimate of $0.64 by $0.00.
How did HBT Financial, Inc.'s Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 3.5% from $58.4M a year earlier and eps grew 3.2% from $0.62.
Where can I find HBT Financial, Inc.'s Q4 2025 SEC filings?
You can read the 8-K earnings release (0000775215-26-000009) and the 10-K periodic report (0000775215-26-000025) directly on SEC EDGAR. The filing index links above go to sec.gov.