HBT Financial, Inc. (NASDAQ:HBT) Surpasses Earnings and Revenue Estimates

• HBT Financial, Inc. (NASDAQ:HBT) reported earnings per share (EPS) of $0.61, beating the Zacks Consensus Estimate.
• The company recorded revenues of $63.9 million for the quarter, indicating a year-over-year increase.
• HBT Financial demonstrated strong profitability with a return on average assets (ROAA) of 1.53% and a return on average stockholders' equity (ROAE) of 13.47%.

HBT Financial, Inc. (NASDAQ:HBT), the holding company for Heartland Bank and Trust Company, operates in the Zacks Banks - Northeast industry, providing a range of financial services. On July 21, 2025, HBT reported earnings per share (EPS) of $0.61, surpassing the estimated $0.60. The company also reported actual revenue of $63.9 million, exceeding the estimated $59.4 million.

In the recent quarter, HBT Financial reported quarterly earnings of $0.61 per share, surpassing the Zacks Consensus Estimate of $0.60. This marks an improvement from the $0.57 per share reported in the same quarter last year. The earnings surprise for this quarter is +5.00%, as highlighted by Zacks. Over the past four quarters, HBT has consistently exceeded consensus EPS estimates.

HBT Financial recorded revenues of $63.9 million for the quarter ending June 2025, slightly below the Zacks Consensus Estimate by 0.09%. However, this is an increase from the $56.64 million in revenues reported a year ago. The company has exceeded consensus revenue estimates in two of the last four quarters, demonstrating its ability to outperform expectations.

The company reported a net income of $19.2 million, translating to $0.61 per diluted share. The return on average assets (ROAA) was 1.53%, while the return on average stockholders' equity (ROAE) stood at 13.47%. Additionally, the return on average tangible common equity (ROATCE) was 15.55%. These metrics indicate strong profitability and efficient use of assets and equity.

HBT Financial's net interest margin saw a modest increase of 2 basis points, reaching 4.14%, while the tax-equivalent basis net interest margin rose by 3 basis points to 4.19%. The company's price-to-earnings (P/E) ratio is approximately 10.61, and its price-to-sales ratio stands at about 2.88. The earnings yield for HBT is about 9.42%, providing insight into the earnings generated relative to its share price.