HBT Financial (HBT) Financial Statements & Analysis

HBT Financial (HBT) Income Statement

HBT Financial reported revenue of $235.74M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 6.5% from $221.39M a year earlier. Net income was $77.01M, up 7.3% year over year, a net margin of 32.7%. Gross margin was 99.6% and operating margin 44.3%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $100.42M, up 71.8% from the same quarter a year earlier.

HBT Financial Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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HBT Financial, Inc. income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	235.74	221.39	225.72	186.72	164.23	156.77	173.85	165.96	157.79
Cost of Revenue	58.59	65.88	45.50	6.47	-2.26	16.99	13.34	13.69	9.73
Gross Profit	234.74	219.33	218.14	180.25	166.49	139.77	160.51	152.28	148.05
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	86.30	27.79	84.81	65.06	59.90	62.31	68.53	66.03	68.66
Operating Expenses	130.23	121.95	129.56	104.06	89.93	90.20	88.39	87.61	91.08
Operating Income	104.51	97.38	88.58	76.19	76.56	49.57	72.12	64.67	56.97
Other Income/Expense
Interest Income	255.78	251.70	229.00	153.05	128.22	124.07	143.74	137.43	127.59
Interest Expense	56.89	62.85	37.93	7.18	5.82	6.46	9.94	7.99	6.60
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	104.51	97.38	88.58	76.19	76.56	49.57	72.12	64.67	56.97
Income Tax Expense	27.50	25.60	22.74	19.73	20.29	12.73	5.26	0.87	0.87
Net Income	77.01	71.78	65.84	56.46	56.27	36.85	66.87	63.80	56.10
Net Income - Continuous Operations	77.01	71.78	65.84	56.46	56.27	36.85	66.87	63.80	56.10
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	109.58	5.78	5.78	80.11	80.69	53.75	76.25	69.45	62.18
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	2.73	5.78	2.67	3.92	4.13	4.17	4.13	4.78	5.21
Earnings Per Share
Basic EPS	2.00	2.00	2.00	2.00	2.00	1.00	3.00	2.00	2.00
Diluted EPS	2.00	2.00	2.00	2.00	2.00	1.00	3.00	2.00	2.00
Basic Shares Outstanding	31.50	31.59	31.63	28.85	27.80	27.46	20.09	26.33	26.33
Diluted Shares Outstanding	31.61	31.71	31.81	28.92	27.80	27.46	20.09	26.33	26.33

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About HBT Financial Financial Statements

What was HBT Financial's revenue in fiscal 2025?

HBT Financial reported revenue of $235.74M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 6.5% from $221.39M a year earlier.

Is HBT Financial profitable?

Yes. HBT Financial earned net income of $77.01M in fiscal 2025, a net margin of 32.7%. In fiscal 2024 it earned $71.78M.

What is HBT Financial's operating margin?

HBT Financial's operating income was $104.51M on revenue of $235.74M in fiscal 2025, an operating margin of 44.3%, compared with 44.0% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition