Basis: Trailing twelve months (TTM net income over TTM revenue). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the net profit margin high or low?
The net profit margin of 23.46% is 17% below its 5-year average of 28.32%, around the middle of its 5-year range (13.54%–34.65%).
2.10% below its 12-month average of 23.96%.
Reported quarterly profit margin; no daily interpolation. Q2 FY2026 (2026-06-30): 27.73%.
NET PROFIT MARGIN
23.46%
NET PROFIT MARGIN AVG TTM
23.96%
NET PROFIT MARGIN AVG 3Y
26.35%
NET PROFIT MARGIN AVG 5Y
28.32%
NET PROFIT MARGIN AVG 10Y
N/A
NET PROFIT MARGIN AVG 15Y
N/A
NET PROFIT MARGIN AVG 20Y
N/A
CURRENT VS TTM AVG
-2.10%
CURRENT VS 3Y AVG
-10.98%
CURRENT VS 5Y AVG
-17.15%
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
13.21%
median of 716 covered companies
CURRENT VS SECTOR MEDIAN
+77.66%
vs the sector median at left
HBT Financial, Inc.
Market Cap
$1.32B
Net Profit Margin
23.46%
TTM Avg
23.96%
3Y Avg
26.35%
5Y Avg
28.32%
Market Cap
$1.32B
Net Profit Margin
19.75%
TTM Avg
18.15%
3Y Avg
21.95%
5Y Avg
20.60%
Market Cap
$1.32B
Net Profit Margin
22.01%
TTM Avg
18.66%
3Y Avg
20.22%
5Y Avg
20.66%
Market Cap
$1.29B
Net Profit Margin
21.50%
TTM Avg
22.80%
3Y Avg
25.14%
5Y Avg
22.44%
Market Cap
$1.38B
Net Profit Margin
41.70%
TTM Avg
43.64%
3Y Avg
45.60%
5Y Avg
43.50%
Market Cap
$1.38B
Net Profit Margin
25.55%
TTM Avg
22.99%
3Y Avg
25.47%
5Y Avg
27.42%
Market Cap
$1.39B
Net Profit Margin
21.89%
TTM Avg
16.45%
3Y Avg
20.35%
5Y Avg
22.27%
Market Cap
$1.24B
Net Profit Margin
26.75%
TTM Avg
25.95%
3Y Avg
31.45%
5Y Avg
33.47%
Market Cap
$1.41B
Net Profit Margin
9.30%
TTM Avg
20.79%
3Y Avg
26.48%
5Y Avg
28.19%
| NAME | MARKET CAP | NET PROFIT MARGIN | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| HBT Financial, Inc. (HBT) | $1.32B | 23.46% | 23.96% | 26.35% | 28.32% |
| Peoples Bancorp Inc. (PEBO)vs › | $1.32B | 19.75% | 18.15% | 21.95% | 20.60% |
| First Mid Bancshares, Inc. (FMBH)vs › | $1.32B | 22.01% | 18.66% | 20.22% | 20.66% |
| Old Second Bancorp, Inc. (OSBC)vs › | $1.29B | 21.50% | 22.80% | 25.14% | 22.44% |
| Westamerica Bancorporation (WABC)vs › | $1.38B | 41.70% | 43.64% | 45.60% | 43.50% |
| Community Trust Bancorp, Inc. (CTBI)vs › | $1.38B | 25.55% | 22.99% | 25.47% | 27.42% |
| Burke & Herbert Financial Services Corp. (BHRB)vs › | $1.39B | 21.89% | 16.45% | 20.35% | 22.27% |
| Preferred Bank (PFBC)vs › | $1.24B | 26.75% | 25.95% | 31.45% | 33.47% |
| Atlanticus Holdings Corporation (ATLC)vs › | $1.41B | 9.30% | 20.79% | 26.48% | 28.19% |
| United Fire Group, Inc. (UFCS)vs › | $1.41B | 9.57% | 6.73% | 3.07% | 1.58% |
Operating Margin
31.8%
Net Profit Margin
23.5%
Net Profit Margin = Net Income / Revenue
Net profit margin is the percentage of revenue that becomes net income after all expenses, taxes, and interest.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | NET PROFIT MARGIN |
|---|---|
| 2026-06-30 | 27.73% |
| 2026-03-31 | 13.54% |
| 2025-12-31 | 25.49% |
| 2025-09-30 | 26.74% |
| 2025-06-30 | 26.32% |
| 2025-03-31 | 26.47% |
| 2024-12-31 | 27.48% |
| 2024-09-30 | 25.13% |
| 2024-06-30 | 25.11% |
| 2024-03-31 | 22.73% |
| 2023-12-31 | 26.28% |
| 2023-09-30 | 28.91% |
| 2023-06-30 | 27.85% |
| 2023-03-31 | 15.62% |
| 2022-12-31 | 25.00% |
| 2022-09-30 | 33.31% |
| 2022-06-30 | 31.99% |
| 2022-03-31 | 31.44% |
| 2021-12-31 | 31.26% |
| 2021-09-30 | 34.13% |
| 2021-06-30 | 34.65% |
| 2021-03-31 | 37.06% |
| 2020-12-31 | 30.55% |
| 2020-09-30 | 26.44% |
| 2020-06-30 | 19.51% |
| 2020-03-31 | 16.49% |
| 2019-12-31 | 36.39% |
| 2019-09-30 | 40.86% |
| 2019-06-30 | 33.74% |
| 2019-03-31 | 42.88% |
| 2018-12-31 | 28.08% |
| 2018-09-30 | 41.38% |
| 2018-06-30 | 40.82% |
| 2018-03-31 | 44.87% |
