Inferra AI / Company / HBT
HBT Financial, Inc.
HBT · Financials
Last earnings Oct 26, 2026
Key results
Net incomequarter
$19.8 million
Net income of $19.8 million, or $0.63 per diluted share return on average assets ( ROAA ) of 1.56% return on average stockholders' equity ( ROAE ) of 13.31% and return on average tangible common equity ( ROATCE ) (1) of 15.28% Adjusted net income (1) of $20.5 million
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
Adjusted net incomequarter
$0.63
Net income of $19.8 million, or $0.63 per diluted share return on average assets ( ROAA ) of 1.56% return on average stockholders' equity ( ROAE ) of 13.31% and return on average tangible common equity ( ROATCE ) (1) of 15.28% Adjusted net income (1) of $20.5 million
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
EPSquarter
$0.63
(NASDAQ HBT) (the Company or HBT Financial or HBT ), the holding company for Heartland Bank and Trust Company, today reported net income of $19.8 million, or $0.63 diluted earnings per share, for the third quarter of 2025.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
This compares to net income of $19.2 million, or $0.61 diluted earnings per share, for the second quarter of 2025, and net income of $18.2 million, or $0.57 diluted earnings per share, for the third quarter of 2024.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
Adjusted net income (1) of $20.5 million, or $0.65 per diluted share, was our highest quarterly adjusted diluted earnings per share since becoming a public company.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
Revenuequarter
$28.3 million
This was driven by an increase in adjusted pre-provision net revenue (1) to $28.3 million, an increase of 2.2% compared to the second quarter of 2025.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
Adjusted EPSquarter
$0.65
The Company reported adjusted net income of $20.5 million, or $0.65 adjusted diluted earnings per share, for the third quarter of 2025.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
net income of $19.8 million, or $0.63 adjusted diluted earnings per share, for the second quarter of 2025, and adjusted
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
net income of $19.2 million, or $0.61 adjusted diluted earnings per share, for the third quarter of 2024 (see Reconciliation of Non-GAAP Financial Measures tables below for reconciliation of non-GAAP financial measures to their most closely comparable GAAP financial measures).
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
AI analysis
Q3 2025 · reported Oct 20, 2025
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Headline figures
| Metric | Q3 2025 | Prior qtr | Year ago |
|---|---|---|---|
| Net income | $19.8 million | — | — |
| Adjusted net income | $0.63 | — | — |
| EPS | $0.63 | — | — |
| Revenue | $28.3 million | — | — |
| Adjusted EPS | $0.65 | — | — |
Guidance · company-stated
No guidance located in the held release
Capital allocation
Adjusted Net Income In addition to reporting GAAP results, the Company believes non-GAAP measures such as adjusted net income and adjusted earnings per share, which adjust for acquisition expenses, branch closure expenses, losses on extinguishment of debt, gains (losses) on closed branch premises, realized gains (losses) on sales of securities, mortgage servicing rights ( MSR ) fair value adjustments, and the tax effect of these pre-tax adjustments, provide investors with additional insight into its operational performance.
The increase was primarily attributable to lower funding costs and improved yields on debt securities which were partially offset by a decrease in loan yields.
Event summary
ANNOUNCES THIRD QUARTER 2025 FINANCIAL RESULTS
Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held
Guidance & outlook
No guidance located in the held release
Capital allocation
Adjusted Net Income In addition to reporting GAAP results, the Company believes non-GAAP measures such as adjusted net income and adjusted earnings per share, which adjust for acquisition expenses, branch closure expenses, losses on extinguishment of debt, gains (losses) on closed branch premises, realized gains (losses) on sales of securities, mortgage servicing rights ( MSR ) fair value adjustments, and the tax effect of these pre-tax adjustments, provide investors with additional insight into its operational performance.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
The increase was primarily attributable to lower funding costs and improved yields on debt securities which were partially offset by a decrease in loan yields.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
Lower yields on loans, which decreased 3 basis points to 6.35% primarily due to a reduction in loan fees, accretion of acquired loan discounts, and nonaccrual interest recoveries, were largely offset by improved yields on debt securities, which increased 15 basis points to 2.75%.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
The increase was primarily attributable to lower funding costs and higher yields on debt securities.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
The increase was primarily attributable to a $0.4 million loss on the extinguishment of debt, associated with the early payoff of $40.0 million of subordinated notes during September 2025, and a $0.4 million increase in occupancy expense, primarily due to planned building maintenance and upgrades.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
The increase was primarily attributable to the $0.4 million loss on the extinguishment of debt, a $0.3 million increase in employee benefits expense, primarily driven by higher medical benefits costs, a $0.3 million increase in furniture and equipment expense, and a $0.2 million increase in data processing expense.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
Strategy & priorities
CNB Bank is a true community bank focused on HBT Financial, Inc.
SEC original ↗HBT Financial, Inc. — Earnings release (8-K exhibit)EX-99Oct 20, 2025
Corp (State Bank of Lincoln) 2018 Wave of FDIC- assisted and strategic acquisitions, including expansion into the Chicago MSA 2010 - 2015 Entry into several new markets in central IL through de novo branches and acquisitions 1999 - 2008 2007 Company crosses $1bn in assets 2020 Merger of State Bank of Lincoln into Heartland Bank and Trust Company 2019 Completion of IPO in October 2023 Completed acquisition of Town and Country Financial Corporation 2025 Announced acquisition of CNB Bank Shares, Inc.
SEC original ↗HBT Financial, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025
Drake Director Director since 1981 Retired EVP with 27 years of experience at Company Formerly responsible for Company s lending, administration, technology, personnel, accounting, trust and strategic planning Dr.
SEC original ↗HBT Financial, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025
Louis MSAs Culturally aligned with shared relationship-based approach and commitment to the communities we serve Continues HBT s growth strategy by merging with a high-performing community bank with a strong core deposit franchise Jim Ashworth and Nancy Ruyle will join both the HBT Financial, Inc.
SEC original ↗HBT Financial, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025
Risks & headwinds
These forward-looking statements involve significant risks and uncertainties that could cause actual results to differ materially from those anticipated, including, but not limited to, the possibility that shareholders of CNB Bank Shares, Inc.
SEC original ↗HBT Financial, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025
As forward-looking statements involve significant risks and uncertainties, caution should be exercised against placing undue reliance on such statements.
SEC original ↗HBT Financial, Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025
Earnings deck slides
0 decks with slide viewHBT Financial, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
HBT Financial, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
HBT Financial, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
HBT Financial, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
HBT Financial, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
HBT Financial, Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.
Competitors
Competitors & peers
Same GICS sector — classification peers, not declared competitors
Filings
31 documents- Q2 2026
- 8-KHBT
Aug 10, 2026
- 10-QHBT
Aug 7, 2026
- 8-KHBT
Jul 27, 2026
- Q1 2026
- 8-KHBT
May 21, 2026
- 10-QHBT
May 6, 2026
- 8-K/AHBT
Apr 29, 2026
- 8-KHBT
Apr 29, 2026
- 8-KHBT
Apr 27, 2026
- Q4 2025
- 8-KHBT
Mar 25, 2026
- 8-KHBT
Mar 11, 2026
- 10-KHBT
Mar 6, 2026
- 8-KHBT
Mar 2, 2026
- 8-KHBT
Feb 2, 2026
- 8-KHBT
Jan 28, 2026
- 8-KHBT
Jan 26, 2026
- Q3 2025
- 8-KHBT
Dec 18, 2025
- 10-QHBT
Oct 31, 2025
- 8-KHBT
Oct 22, 2025
- 8-KHBT
Oct 20, 2025
- EX-99HBT
Oct 20, 2025
- Q2 2025
- 8-KHBT
Aug 12, 2025
- 10-QHBT
Aug 1, 2025
- 8-KHBT
Jul 23, 2025
- 8-KHBT
Jul 21, 2025
- Q1 2025
- 8-KHBT
May 22, 2025
- 10-QHBT
May 2, 2025
- 8-KHBT
Apr 23, 2025
- 8-KHBT
Apr 21, 2025
- Q4 2024
- 10-KHBT
Mar 7, 2025
- 8-KHBT
Jan 22, 2025
- Q3 2024
- 8-KHBT
Dec 18, 2024
Earnings releases
15 documentsPresentations
6 documents
Transcripts
0 documentsNo transcripts for HBT Financial, Inc. are held in this edition of the library.
See also the earnings calendar for every tracked company’s next earnings date.