Wall Street expects a year-over-year increase in earnings on higher revenues when HBT Financial (HBT) reports results for the quarter ended June 2025. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.The earnings report, which is expected to be released on July 21, might help the stock move higher if these key numbers are better than expectations ...

BLOOMINGTON, Ill., July 08, 2025 (GLOBE NEWSWIRE) -- HBT Financial, Inc. (NASDAQ: HBT) (the “Company” or “HBT Financial”), the holding company for Heartland Bank and Trust Company, today announced that it will issue its second quarter 2025 financial results before the market opens on Monday, July 21, 2025. A copy of the press release announcing the second quarter 2025 financial results and an investor presentation will be made available on the Company’s investor relations website at https://ir.hbtfinancial. ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March 31, 2025 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ______ to Commission file number: 001-39085 HBT Financial, Inc. (Exact name of registrant as specified in its charter) Delaware 37-1117216 (State or ot ...

Shares of HBT Financial (NASDAQ: HBT ) have been a strong performer over the past year, gaining about 21%. This community bank has a very strong capital position and an excellent deposit base, which has enabled it to maintain higher marginsOver fifteen years of experience making contrarian bets based on my macro view and stock-specific turnaround stories to garner outsized returns with a favorable risk/reward profile. If you want me to cover a specific stock or have a question for an article, just let me kn ...

For the quarter ended March 2025, HBT Financial (HBT) reported revenue of $58.01 million, up 10.9% over the same period last year. EPS came in at $0.61, compared to $0.57 in the year-ago quarter.The reported revenue represents a surprise of +2.32% over the Zacks Consensus Estimate of $56.7 million. With the consensus EPS estimate being $0.57, the EPS surprise was +7.02%.While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine thei ...

HBT Financial (HBT) came out with quarterly earnings of $0.61 per share, beating the Zacks Consensus Estimate of $0.57 per share. This compares to earnings of $0.57 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 7.02%. A quarter ago, it was expected that this bank holding company would post earnings of $0.58 per share when it actually produced earnings of $0.62, delivering a surprise of 6.90%.Over the last four quarters, the ...

Core Points - HBT Financial, Inc. reported a net income of $19.1 million, or $0.60 diluted earnings per share, for Q1 2025, a decrease from $20.3 million, or $0.64 per share in Q4 2024, but an increase from $15.3 million, or $0.48 per share in Q1 2024 [2][4][9] - The company expressed confidence in its performance for 2025 despite economic uncertainties, citing strong profitability and a solid balance sheet [3][4] - Adjusted net income for Q1 2025 was $19.3 million, or $0.61 per diluted share, slightly down from $19.5 million, or $0.62 per share in Q4 2024, and up from $18.1 million, or $0.57 per share in Q1 2024 [6][9] Financial Performance - Net interest income for Q1 2025 was $48.7 million, a 2.8% increase from $47.4 million in Q4 2024, and a 4.3% increase from $46.7 million in Q1 2024 [7][8] - The net interest margin for Q1 2025 was 4.12%, up from 3.96% in Q4 2024 and 3.94% in Q1 2024 [9][11] - Noninterest income decreased by 20.0% to $9.3 million in Q1 2025 from $11.6 million in Q4 2024, but increased by 65.4% from $5.6 million in Q1 2024 [13][14] Asset Quality - Nonperforming assets totaled $5.6 million, or 0.11% of total assets, down from $8.0 million, or 0.16% in Q4 2024, and $9.9 million, or 0.20% in Q1 2024 [21] - The company recorded net charge-offs of $0.4 million, or 0.05% of average loans on an annualized basis, compared to $0.7 million, or 0.08% in Q4 2024 [23] - The allowance for credit losses was 1.22% of total loans as of March 31, 2025, compared to 1.21% at the end of Q4 2024 [24] Capital Position - As of March 31, 2025, the company exceeded all regulatory capital requirements under Basel III, with a total capital to risk-weighted assets ratio of 16.85% [25] - Tangible book value per share increased by $0.63 to $15.43 as of March 31, 2025, reflecting a 4.3% increase for the quarter and a 17.0% increase year-over-year [4][25] - The company did not repurchase shares during Q1 2025, maintaining $15.0 million available under its stock repurchase program [26] Loan and Deposit Trends - Total loans outstanding were $3.46 billion at March 31, 2025, nearly unchanged from $3.47 billion at December 31, 2024, but up from $3.35 billion at March 31, 2024 [18] - Total deposits increased to $4.38 billion at March 31, 2025, from $4.32 billion at December 31, 2024, and $4.36 billion at March 31, 2024 [19]

Financial Performance - Net income for Q1 2025 was $19.1 million, or $0.60 diluted earnings per share, compared to $20.3 million, or $0.64 per diluted share in Q4 2024, and $15.3 million, or $0.48 per diluted share in Q1 2024[3][6] - Adjusted net income for Q1 2025 was $19.3 million, or $0.61 adjusted diluted earnings per share, compared to $19.5 million, or $0.62 adjusted diluted earnings per share in Q4 2024, and $18.1 million, or $0.57 adjusted diluted earnings per share in Q1 2024[7] - Net income for the quarter was $19,075,000, up from $15,258,000 in the prior year, reflecting a year-over-year increase of 25.5%[31] - Earnings per share (diluted) for Q1 2025 was $0.60, compared to $0.48 for the same period in 2024, marking a 25% increase[31] - Adjusted earnings per share (EPS) for Q1 2025 was $0.61, up from $0.57 in Q1 2024, reflecting a 7% increase[51] Income and Revenue - Net interest income increased by 2.8% to $48.7 million in Q1 2025 from $47.4 million in Q4 2024, and by 4.3% from $46.7 million in Q1 2024[8][9] - For the three months ended March 31, 2025, net interest income was $48,708,000, an increase from $46,688,000 for the same period in 2024, representing a growth of 4.4%[31] - Total interest and dividend income for Q1 2025 was $63,138,000, an increase of 2.0% from $62,798,000 in Q4 2024 and up 1.9% from $61,961,000 in Q1 2024[34] - Net interest income for Q1 2025 reached $48,708,000, an increase from $46,688,000 in Q1 2024, representing a growth of 4.3%[52] Noninterest Income - Noninterest income decreased by 20.0% to $9.3 million in Q1 2025 from $11.6 million in Q4 2024, but increased by 65.4% from $5.6 million in Q1 2024[11][12] - Noninterest income for the quarter was $9,306,000, a decrease from $11,630,000 in the previous quarter, representing a decline of 20%[31] - Total noninterest income decreased to $9,306,000 in Q1 2025 from $11,630,000 in Q4 2024, a decline of 20.0%[34] Assets and Loans - Total loans outstanding were $3.46 billion at March 31, 2025, nearly unchanged from $3.47 billion at December 31, 2024, and up from $3.35 billion at March 31, 2024[16] - Total assets as of March 31, 2025, were $5,092,192,000, an increase from $5,032,902,000 at the end of Q4 2024, reflecting a growth of 1.2%[36] - Commercial and industrial loans increased to $441,261,000 in Q1 2025 from $428,389,000 in Q4 2024, a growth of 3.0%[38] Deposits - Total deposits increased to $4.38 billion at March 31, 2025, from $4.32 billion at December 31, 2024, and $4.36 billion at March 31, 2024[17] - Total deposits increased to $4,384,590,000 in Q1 2025 from $4,318,254,000 in Q4 2024, marking a growth of 1.5%[38] - Noninterest-bearing deposits rose to $1,065,874,000 in Q1 2025, compared to $1,046,405,000 in Q4 2024, an increase of 1.3%[38] Asset Quality - Nonperforming assets decreased to $5.6 million, or 0.11% of total assets, at March 31, 2025, down from $8.0 million, or 0.16% at December 31, 2024[18] - Nonperforming loans to loans ratio improved to 0.15%, down from 0.29% in the same quarter last year, indicating better asset quality[31] - Nonaccrual loans to loans ratio improved to 0.15% as of March 31, 2025, compared to 0.22% at December 31, 2024[45] Credit Losses - The provision for credit losses was $576,000, compared to $527,000 in the same period last year, indicating a 9.3% increase[31] - The allowance for credit losses was 1.22% of total loans at March 31, 2025, compared to 1.21% at December 31, 2024[21] - The allowance for credit losses increased to $42,111 thousand as of March 31, 2025, compared to $42,044 thousand at December 31, 2024, indicating a slight increase of 0.16%[45] Capital and Efficiency - The Company exceeded all regulatory capital requirements under Basel III, with total capital to risk-weighted assets at 16.85% as of March 31, 2025[22] - Total capital to risk-weighted assets was 16.85%, up from 15.79% a year ago, reflecting a stronger capital position[31] - The efficiency ratio was 53.85%, an increase from 58.41% in the same quarter last year, indicating improved operational efficiency[31] - The return on average assets for the three months ended March 31, 2025, was 1.54%, slightly down from 1.61% in the previous quarter[48] - Tangible common equity increased to $488,089,000 in Q1 2025 from $416,889,000 in Q1 2024, a growth of 17.1%[58] - Return on average tangible common equity for Q1 2025 was 16.20%, up from 14.83% in Q1 2024, indicating stronger profitability[59] Stock Repurchase - The Board of Directors authorized a stock repurchase program of up to $15.0 million, with $15.0 million remaining as of March 31, 2025[22]

Core Insights - HBT Financial (HBT) is expected to report quarterly earnings of $0.57 per share, indicating no change from the previous year [1] - Analysts forecast revenues of $56.7 million, representing an increase of 8.4% year over year [1] - The consensus EPS estimate has remained unchanged over the past 30 days, reflecting analysts' reassessment of projections [1] Earnings Projections - Changes in earnings projections are crucial for predicting investor reactions to the stock [2] - Empirical studies show a strong correlation between earnings estimate trends and short-term stock price movements [2] Key Financial Metrics - Analysts expect 'Net interest margin (FTE)' to be 4.0%, unchanged from the year-ago figure [3] - The consensus for 'Average Balances - Interest-earning assets' is $4.81 billion, up from $4.77 billion year over year [4] - The 'Efficiency Ratio' is expected to be 55.2%, improved from 58.4% in the previous year [4] - 'Net interest income (FTE)' is projected to reach $47.72 million, compared to $47.26 million in the same quarter last year [4] - Estimated 'Total noninterest income' is $9.29 million, up from $5.63 million in the same quarter of the previous year [5] Stock Performance - HBT Financial shares have decreased by 5.9% in the past month, compared to a 3.9% decline in the Zacks S&P 500 composite [6] - HBT has a Zacks Rank of 4 (Sell), indicating expected underperformance relative to the overall market [6]

Company Overview - HBT Financial, Inc. is headquartered in Bloomington, Illinois, and serves as the holding company for Heartland Bank and Trust Company, with banking operations dating back to 1920 [2] - The company offers a wide range of financial products and services to consumers, businesses, and municipal entities across Illinois and eastern Iowa, operating 66 full-service branches [2] - As of December 31, 2024, HBT Financial reported total assets of $5.0 billion, total loans of $3.5 billion, and total deposits of $4.3 billion [2] Upcoming Financial Results - HBT Financial will release its first quarter 2025 financial results before the market opens on April 21, 2025 [1] - An investor presentation and press release regarding the financial results will be available on the company's investor relations website [1]