Last 29 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
HBT Financial, Inc.'s quarterly P/E stands at 10.8x, up 25.9% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 34.6% YoY to 8.0x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 11.55 | 10.77 | 10.00 | 10.33 | 9.34 | 8.55 | 9.60 | 8.96 | 9.92 | 9.10 | 7.35 | 7.95 | 16.43 |
| — | +25.9% | +4.2% | +15.4% | -5.8% | -6.0% | +30.5% | +12.7% | -39.7% | +9.7% | -12.5% | -12.8% | +69.9% | |
| P/S Ratio | 3.02 | 2.73 | 2.68 | 2.72 | 2.47 | 2.34 | 2.40 | 2.25 | 2.25 | 2.39 | 2.14 | 2.23 | 2.60 |
| — | +16.6% | +12.0% | +21.0% | +9.3% | -2.1% | +12.0% | +0.8% | -13.2% | -10.8% | -23.4% | -24.1% | -14.9% | |
| P/B Ratio | 1.44 | 1.32 | 1.32 | 1.37 | 1.26 | 1.27 | 1.29 | 1.27 | 1.22 | 1.37 | 1.28 | 1.31 | 1.36 |
| — | +3.9% | +2.7% | +7.7% | +3.2% | -7.5% | +0.9% | -3.3% | -10.4% | -9.1% | -12.4% | -5.2% | -1.2% | |
| P/FCF | 12.13 | 1.48 | 13.31 | 17.35 | 6.09 | 11.01 | 7.05 | 8.93 | 5.94 | 14.24 | 8.97 | 10.74 | 7.33 |
| — | -86.6% | +88.7% | +94.4% | +2.6% | -22.7% | -21.3% | -16.9% | -19.0% | +133.3% | +24.1% | -22.3% | +16.9% | |
| EV / EBITDA | 8.45 | 8.03 | 6.18 | 7.81 | 5.58 | 5.97 | 6.24 | 5.55 | 5.48 | 6.45 | 6.85 | 7.43 | 11.86 |
| — | +34.6% | -0.9% | +40.7% | +1.7% | -7.5% | -8.9% | -25.3% | -53.7% | -34.6% | -3.4% | +22.2% | +210.7% | |
| EV / EBIT | 8.86 | 8.23 | 6.53 | 8.25 | 5.90 | 6.28 | 6.61 | 5.87 | 5.87 | 6.84 | 7.23 | 7.89 | 13.13 |
| — | +31.0% | -1.2% | +40.4% | +0.5% | -8.1% | -8.5% | -25.5% | -55.3% | -34.1% | -2.7% | +23.1% | +226.2% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
HBT Financial, Inc.'s operating margin was 34.9% in Q4 2025, down 1.3 pp QoQ and down 2.3 pp YoY. Gross margin expanded 4.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 80.0% | 81.4% | 79.8% | 79.8% | 79.2% | 78.1% | 76.5% | 76.4% | 76.5% | 78.0% | 83.5% | 88.4% | 81.1% |
| — | +4.1% | +4.3% | +4.4% | +3.5% | +0.2% | -8.4% | -13.6% | -5.7% | -18.7% | -12.7% | -8.4% | -17.3% | |
| Operating Margin | 35.6% | 34.9% | 36.2% | 36.1% | 35.4% | 37.1% | 33.9% | 34.7% | 30.6% | 35.3% | 39.0% | 37.8% | 20.6% |
| — | -6.1% | +6.7% | +4.0% | +15.8% | +5.1% | -13.2% | -8.1% | +48.5% | +5.4% | -13.8% | -12.2% | -51.6% | |
| Net Margin | 26.3% | 25.5% | 26.7% | 26.3% | 26.5% | 27.5% | 25.1% | 25.1% | 22.7% | 26.3% | 28.9% | 27.8% | 15.6% |
| — | -7.2% | +6.4% | +4.8% | +16.5% | +4.6% | -13.1% | -9.8% | +45.5% | +5.1% | -13.2% | -12.9% | -50.3% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 13.3% | 3.1% | 3.3% | 3.4% | 3.4% | 3.7% | 3.5% | 3.6% | 3.1% | 3.9% | 4.3% | 4.1% | 2.2% |
| — | -16.8% | -3.5% | -6.6% | +11.1% | -4.0% | -20.1% | -12.4% | +38.4% | +8.8% | +1.9% | +10.2% | -34.6% | |
| ROA | 1.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | 0.3% | 0.4% | 0.4% | 0.4% | 0.2% |
| — | -7.3% | +8.1% | +5.8% | +24.9% | +10.4% | -8.1% | -2.7% | +52.4% | +18.5% | +6.8% | +12.5% | -36.9% | |
| ROIC | 11.5% | 2.9% | 3.0% | 2.9% | 2.8% | 3.0% | 2.8% | 2.9% | 2.4% | 2.7% | 2.6% | 2.7% | 1.4% |
| — | -4.6% | +7.1% | +0.1% | +17.3% | +13.8% | +5.9% | +10.0% | +73.9% | +21.2% | -13.4% | -5.1% | -46.4% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
HBT Financial, Inc.'s Debt/EBITDA ratio is 2.5x, up from 2.1x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 474.9% YoY to 0.28x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.11 | 0.11 | 0.10 | 0.17 | 0.18 | 0.25 | 0.25 | 0.27 | 0.28 | 0.30 | 0.65 | 0.68 | 0.45 |
| — | -57.1% | -60.0% | -34.7% | -34.3% | -17.9% | -61.7% | -61.2% | -38.7% | -59.9% | +26.9% | +99.5% | +34.6% | |
| Debt / EBITDA | 0.60 | 2.46 | 2.13 | 3.62 | 3.80 | 4.67 | 5.19 | 5.13 | 6.23 | 5.61 | 10.64 | 11.61 | 15.06 |
| — | -47.4% | -59.0% | -29.4% | -39.1% | -16.8% | -51.2% | -55.8% | -58.6% | -63.0% | +27.7% | +80.6% | +128.4% | |
| Current Ratio | 0.28 | 0.28 | 0.15 | 0.19 | 0.15 | 0.05 | 0.21 | 0.20 | 0.22 | 0.21 | 0.21 | 0.23 | 0.24 |
| — | +474.9% | -27.6% | -6.8% | -32.5% | -76.3% | +0.8% | -10.0% | -10.4% | -22.6% | -18.2% | -22.6% | -28.4% | |
| Quick Ratio | 0.28 | 0.28 | 0.15 | 0.19 | 0.15 | 0.05 | 0.21 | 0.20 | 0.22 | 0.21 | 0.21 | 0.23 | 0.24 |
| — | +474.9% | -27.6% | -6.8% | -32.5% | -76.3% | +0.8% | -10.0% | -10.4% | -22.6% | -18.2% | -22.6% | -28.4% | |
| Interest Coverage | 1.84 | 1.87 | 1.86 | 1.85 | 1.77 | 1.78 | 1.50 | 1.58 | 1.34 | 1.73 | 2.47 | 3.17 | 2.45 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 29 years · Updated daily
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HBT Financial, Inc.'s current P/E is 11.5x. The average P/E over the last 4 quarters is 10.1x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
HBT Financial, Inc.'s current operating margin is 35.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking HBT Financial, Inc.'s business trajectory between earnings reports.