HBT Financial, Inc. Announces First Quarter 2025 Financial Results
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HBT Financial Reports Q4 Results with Mixed Performance
- Earnings Performance: HBT Financial reported a Q4 non-GAAP EPS of $0.64, aligning with market expectations, indicating stability in the company's profitability.
- Revenue Growth Weakness: The company generated $60.44 million in revenue, a 2.4% year-over-year increase, but fell short of expectations by $0.56 million, reflecting increased competitive pressures in the market.
- Return on Assets Metrics: HBT Financial achieved a return on average assets (ROAA) of 1.47%, a return on average stockholders' equity (ROAE) of 12.34%, and a return on average tangible common equity (ROATCE) of 14.08%, demonstrating consistent performance in capital efficiency.
- Net Interest Margin Changes: The net interest margin decreased by 1 basis point to 4.12%, while the tax-equivalent net interest margin fell by 2 basis points to 4.16%, indicating some profitability pressure amid changing interest rate environments.

Essential Information on HBT Financial (HBT) Rating Increase to Buy
HBT Financial Upgrade: HBT Financial has been upgraded to a Zacks Rank #2 (Buy) due to a positive trend in earnings estimates, indicating potential for stock price increase.
Earnings Estimates Impact: The Zacks rating system emphasizes the importance of earnings estimate revisions, which are strongly correlated with near-term stock price movements, making it a valuable tool for investors.
Zacks Rank System: The Zacks Rank system classifies stocks based on earnings estimates, with only the top 20% receiving a "Buy" or "Strong Buy" rating, suggesting HBT Financial's strong potential for market-beating returns.
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