Compared to Estimates, HBT Financial (HBT) Q3 Earnings: A Look at Key Metrics

Core Insights - HBT Financial reported a revenue of $59.84 million for the quarter ended September 2025, reflecting a 6% increase year-over-year and a slight surprise of +0.06% over the Zacks Consensus Estimate of $59.8 million [1] - The earnings per share (EPS) for the quarter was $0.65, up from $0.61 in the same quarter last year, with an EPS surprise of +4.84% compared to the consensus estimate of $0.62 [1] Financial Performance Metrics - Net interest margin (FTE) stood at 4.2%, matching the average estimate from two analysts [4] - Average balances of interest-earning assets were reported at $4.8 billion, slightly above the $4.75 billion average estimate [4] - Net charge-offs to average loans were 0%, better than the average estimate of 0.1% [4] - The efficiency ratio was 53.2%, slightly better than the average estimate of 53.5% [4] - Net interest income (FTE) was $50.54 million, exceeding the average estimate of $50.1 million [4] - Total noninterest income was reported at $9.85 million, below the average estimate of $10.01 million [4] - Wealth management fees reached $3.12 million, surpassing the average estimate of $2.88 million [4] Stock Performance - HBT Financial's shares have returned -9.2% over the past month, contrasting with the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 4 (Sell), indicating potential underperformance relative to the broader market in the near term [3]