HBT Financial (HBT) Financials: History & Chart

HBT Financial, Inc.(HBT)

Banks - Regional · Bloomington, IL

$36.25-0.06 (-0.17%)

Delayed quote: Oct 6, 2026, 2:55 PM EDT

About HBT Financial, Inc.

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company, offering a comprehensive suite of financial products and services. They cater to a diverse client base, including individuals, businesses, and municipal entities, providing retail, commercial, and business banking solutions. Their deposit offerings encompass a variety of options, such as non-interest and interest-bearing demand accounts, money market accounts, savings accounts, certificates of deposit (CDs), health savings accounts (HSAs), and individual retirement accounts (IRAs). The company's extensive lending portfolio spans commercial real estate (both owner-occupied and investment properties), construction and land development, multi-family housing, commercial and industrial (C&I) loans, agricultural and farmland financing, and one-to-four family residential mortgages, as well as municipal and consumer loans. Beyond traditional banking, HBT Financial also provides robust wealth management services. These include financial planning for consumers, trusts, and estates; trustee and custodial responsibilities; investment management; corporate retirement plan consulting and administration; and retail brokerage. Further extending its offerings, the company provides specialized services like farmland management, sales, and crop insurance, in addition to treasury management solutions. It also originates residential mortgage loans and subsequently sells them. Modern digital banking solutions are readily available, encompassing online and mobile banking platforms, various digital payment services, and personal financial management tools. The company maintains an extensive branch network, with 57 locations situated across Central and Northeastern Illinois, complemented by four branches in Eastern Iowa. Established in 1920, HBT Financial, Inc. was originally known as Heartland Bancorp, Inc., before adopting its current name in September 2019. The company's headquarters are located in Bloomington, Illinois.

Bloomington, IL

826 employees

ir.hbtfinancial.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: J. Lance Carter

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Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	331.35M	100.42M	82.72M	74.29M	73.92M	73.06M	72.06M	73.78M	72.35M
Cost of Goods Sold	64.29M	20.20M	15.30M	13.85M	14.95M	14.79M	15.01M	16.12M	16.99M
Gross Profit	267.06M	80.22M	67.43M	60.44M	58.98M	58.27M	57.05M	57.65M	55.36M
Gross Profit Margin	80.6%	79.9%	81.5%	81.4%	79.8%	79.8%	79.2%	78.1%	76.5%
Total Operating Expenses	161.59M	42.45M	52.38M	34.52M	32.24M	31.91M	31.55M	30.25M	30.85M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	91.22M	35.76M	1.14M	33.06M	21.26M	17.47M	22.04M	19.94M	21.27M
Operating Income (EBIT)	105.47M	37.77M	15.05M	25.91M	26.73M	26.36M	25.50M	27.40M	24.51M
Operating Margin	31.8%	37.6%	18.2%	34.9%	36.2%	36.1%	35.4%	37.1%	33.9%
Income Before Tax (EBT)	105.47M	37.77M	15.05M	25.91M	26.73M	26.36M	25.50M	27.40M	24.51M
Interest Income	289.15M	88.58M	71.84M	64.39M	64.34M	63.92M	63.14M	62.80M	64.12M
Interest Expense	63.18M	19.53M	15.45M	13.85M	14.35M	14.26M	14.43M	15.40M	16.38M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	77.75M	27.84M	11.20M	18.94M	19.77M	19.23M	19.07M	20.27M	18.18M
Income Tax Expense	27.72M	9.93M	3.85M	6.98M	6.97M	7.13M	6.43M	7.13M	6.33M
Net Profit Margin	23.5%	27.7%	13.5%	25.5%	26.7%	26.3%	26.5%	27.5%	25.1%
EBITDA	109.48M	37.77M	16.91M	26.56M	28.24M	27.83M	26.95M	28.84M	25.97M
EBITDA Margin	33.0%	37.6%	20.4%	35.7%	38.2%	38.1%	37.4%	39.1%	35.9%
Depreciation & Amortization	4.01M	0.00	1.86M	643K	1.51M	1.47M	1.45M	1.45M	1.46M
EPS Basic	2.34	0.77	0.34	0.60	0.63	0.61	0.60	0.64	0.58
EPS Diluted	2.33	0.76	0.34	0.60	0.63	0.61	0.60	0.64	0.57
Weighted Average Basic Shares	36.37M	36.37M	33.18M	31.43M	31.48M	31.51M	31.59M	31.59M	31.56M
Weighted Average Diluted Shares	36.37M	36.37M	33.18M	31.43M	31.48M	31.51M	31.71M	31.59M	31.68M

Annual Income Statement (USD)

Swipe horizontally to review earlier years. The line-item column stays pinned.

Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	293.33M	285.21M	263.64M	186.72M	164.23M	156.77M	173.85M	165.96M
Cost of Goods Sold	58.59M	65.88M	45.50M	6.47M	-2.26M	16.99M	13.34M	13.69M
Gross Profit	234.74M	219.33M	218.14M	180.25M	166.49M	139.77M	160.51M	152.28M
Gross Profit Margin	80.0%	76.9%	82.7%	96.5%	101.4%	89.2%	92.3%	91.8%
Total Operating Expenses	130.23M	121.95M	129.56M	104.06M	89.93M	90.20M	88.39M	87.61M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	93.84M	83.02M	84.81M	65.06M	59.90M	62.31M	68.53M	66.03M
Operating Income (EBIT)	104.51M	97.38M	88.58M	76.19M	76.56M	49.57M	72.12M	64.67M
Operating Margin	35.6%	34.1%	33.6%	40.8%	46.6%	31.6%	41.5%	39.0%
Income Before Tax (EBT)	104.51M	97.38M	88.58M	76.19M	76.56M	49.57M	72.12M	64.67M
Interest Income	255.78M	251.70M	229.00M	153.05M	128.22M	124.06M	143.74M	137.43M
Interest Expense	56.89M	62.85M	37.93M	7.18M	5.82M	6.46M	9.94M	7.99M
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	77.01M	71.78M	65.84M	56.46M	56.27M	36.84M	66.86M	63.80M
Income Tax Expense	27.50M	25.60M	22.74M	19.73M	20.29M	12.73M	5.26M	869K
Net Profit Margin	26.3%	25.2%	25.0%	30.2%	34.3%	23.5%	38.5%	38.4%
EBITDA	109.58M	103.17M	94.36M	80.11M	80.69M	53.75M	76.25M	69.45M
EBITDA Margin	37.4%	36.2%	35.8%	42.9%	49.1%	34.3%	43.9%	41.8%
Depreciation & Amortization	5.07M	5.78M	5.78M	3.92M	4.13M	4.17M	4.13M	4.78M
EPS Basic	2.44	2.27	2.08	2.09	2.02	1.34	3.33	2.42
EPS Diluted	2.44	2.26	2.07	2.09	2.02	1.34	3.33	2.42
Weighted Average Basic Shares	31.43M	31.59M	31.63M	28.85M	27.80M	27.46M	20.09M	26.33M
Weighted Average Diluted Shares	31.43M	31.71M	31.74M	28.92M	27.80M	27.46M	20.09M	26.33M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.