For the quarter ended June 2025, HBT Financial (HBT) reported revenue of $58.8 million, up 3.8% over the same period last year. EPS came in at $0.63, compared to $0.57 in the year-ago quarter.
The reported revenue represents a surprise of -0.09% over the Zacks Consensus Estimate of $58.85 million. With the consensus EPS estimate being $0.60, the EPS surprise was +5%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
As these metrics influence top- and bottom-line performance, comparing them to the year-ago numbers and what analysts estimated helps investors project a stock's price performance more accurately.
Here is how HBT Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Efficiency Ratio: 53.1% versus the two-analyst average estimate of 53.9%.
- Average Balances - Interest-earning assets: $4.81 billion versus $4.81 billion estimated by two analysts on average.
- Net charge-offs to average loans: 0.1% compared to the 0.1% average estimate based on two analysts.
- Net interest margin (FTE): 4.2% versus the two-analyst average estimate of 4.2%.
- Card income: $2.8 million versus the two-analyst average estimate of $2.92 million.
- Wealth management fees: $2.83 million versus $2.77 million estimated by two analysts on average.
- Service charges on deposit accounts: $1.92 million compared to the $1.97 million average estimate based on two analysts.
- Total noninterest income: $9.14 million versus the two-analyst average estimate of $9.39 million.
- Other noninterest income: $0.78 million compared to the $0.99 million average estimate based on two analysts.
- Net interest income (FTE): $50.21 million versus $49.73 million estimated by two analysts on average.
- Mortgage servicing: $1.04 million versus $1 million estimated by two analysts on average.
View all Key Company Metrics for HBT Financial here>>>
Shares of HBT Financial have returned +7.1% over the past month versus the Zacks S&P 500 composite's +5.4% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
Want the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report
HBT Financial, Inc. (HBT): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
Zacks Investment Research
