For the quarter ended September 2025, HBT Financial (HBT) reported revenue of $59.84 million, up 6% over the same period last year. EPS came in at $0.65, compared to $0.61 in the year-ago quarter.
The reported revenue represents a surprise of +0.06% over the Zacks Consensus Estimate of $59.8 million. With the consensus EPS estimate being $0.62, the EPS surprise was +4.84%.
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:
- Net interest margin (FTE): 4.2% compared to the 4.2% average estimate based on two analysts.
- Average Balances - Interest-earning assets: $4.8 billion compared to the $4.75 billion average estimate based on two analysts.
- Net charge-offs to average loans: 0% versus the two-analyst average estimate of 0.1%.
- Efficiency Ratio: 53.2% versus the two-analyst average estimate of 53.5%.
- Card income: $2.73 million versus the two-analyst average estimate of $2.89 million.
- Other noninterest income: $0.82 million versus $0.93 million estimated by two analysts on average.
- Net interest income (FTE): $50.54 million versus $50.1 million estimated by two analysts on average.
- Service charges on deposit accounts: $2.09 million versus $2.02 million estimated by two analysts on average.
- Wealth management fees: $3.12 million compared to the $2.88 million average estimate based on two analysts.
- Total noninterest income: $9.85 million versus $10.01 million estimated by two analysts on average.
- Mortgage servicing: $1.02 million versus the two-analyst average estimate of $1.05 million.
View all Key Company Metrics for HBT Financial here>>>
Shares of HBT Financial have returned -9.2% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.
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HBT Financial, Inc. (HBT): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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