HBT Financial, Inc. (HBT) Earnings History
Annual and quarterly earnings data from 2017 to 2025
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HBT EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
HBT Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 80.0% | 35.6% | 26.3% |
| 2024 | 76.9% | 34.1% | 25.2% |
| 2023 | 82.7% | 33.6% | 25.0% |
| 2022 | 96.5% | 40.8% | 30.2% |
| 2021 | 101.4% | 46.6% | 34.3% |
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HBT Financial, Inc. (HBT) Earnings Overview
As of May 21, 2026, HBT Financial, Inc. (HBT) reported trailing twelve-month net income of $77M, reflecting +8.0% year-over-year growth. The company earned $2.45 per diluted share over the past four quarters, with a net profit margin of 26.3%.
Looking at the long-term picture, HBT's 5-year EPS compound annual growth rate (CAGR) stands at +12.7%, showing solid earnings momentum. The company achieved its highest annual net income of $77M in fiscal 2025, representing a new all-time high.
HBT Financial, Inc. maintains industry-leading profitability with a gross margin of 80.0%, operating margin of 35.6%, and net margin of 26.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including MBWM ($89M net income, 23.9% margin), CZWI ($14M net income, 16.0% margin), MOFG ($58M net income, -29.3% margin), HBT has outperformed on profitability metrics. Compare HBT vs MBWM →
HBT Earnings vs Peers
Earnings metrics vs comparable public companies
HBT Historical Earnings Data (2017–2025)
9 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $77M | +7.3% | $105M | $2.44 | 26.3% | 35.6% |
| 2024 | $72M | +9.0% | $97M | $2.26 | 25.2% | 34.1% |
| 2023 | $66M | +16.6% | $89M | $2.07 | 25.0% | 33.6% |
| 2022 | $56M | +0.3% | $76M | $2.09 | 30.2% | 40.8% |
| 2021 | $56M | +52.7% | $77M | $2.02 | 34.3% | 46.6% |
| 2020 | $37M | -44.9% | $50M | $1.34 | 23.5% | 31.6% |
| 2019 | $67M | +4.8% | $72M | $3.33 | 38.5% | 41.5% |
| 2018 | $64M | +13.7% | $65M | $2.42 | 38.4% | 39.0% |
| 2017 | $56M | - | $57M | $2.13 | 35.6% | 36.1% |
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Start ComparisonHBT — Frequently Asked Questions
Quick answers to the most common questions about buying HBT stock.
Is HBT growing earnings?
HBT EPS stands at $2.45, with +8.0% growth matching the 5-year CAGR of +12.7%. TTM net income is $77M. Earnings trajectory remains consistent.
What are HBT's profit margins?
HBT Financial, Inc. net margin is +26.3%, with operating margin at +35.6%. Above-average margins indicate pricing power.
How consistent are HBT's earnings?
HBT earnings data spans 2017-2025. The current earnings trend is +8.0% YoY. Historical data enables comparison across business cycles.