HBT Financial (HBT) Reports Q4 Earnings: What Key Metrics Have to Say

Financial Performance - HBT Financial reported revenue of $59.03 million for the quarter ended December 2024, representing a 4.9% increase year-over-year [1] - Earnings per share (EPS) for the quarter was $0.62, up from $0.60 in the same quarter last year [1] - The reported revenue exceeded the Zacks Consensus Estimate of $57.4 million by 2.84% [1] - The company delivered an EPS surprise of 6.90%, with the consensus EPS estimate being $0.58 [1] Key Metrics - Net interest margin (FTE) was 4%, matching the average estimate from two analysts [4] - Average balances of interest-earning assets were $4.76 billion, slightly below the average estimate of $4.77 billion [4] - Net charge-offs to average loans stood at 0.1%, consistent with the average estimate [4] - Efficiency ratio was 51.2%, better than the estimated 54.2% [4] - Card income was reported at $2.80 million, below the average estimate of $2.87 million [4] - Other noninterest income was $0.69 million, compared to the average estimate of $0.98 million [4] - Net interest income (FTE) was $47.96 million, slightly above the average estimate of $47.91 million [4] - Service charges on deposit accounts were $2.08 million, exceeding the average estimate of $1.98 million [4] - Wealth management fees reached $3.14 million, surpassing the average estimate of $2.93 million [4] - Total noninterest income was $11.63 million, compared to the average estimate of $10.02 million [4] - Mortgage servicing income was $1.16 million, above the average estimate of $1.06 million [4] Stock Performance - HBT Financial shares returned 0.9% over the past month, while the Zacks S&P 500 composite increased by 2.1% [3] - The stock currently holds a Zacks Rank 2 (Buy), indicating potential outperformance against the broader market in the near term [3]