HBT Financial (HBT) reported $60.44 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 2.4%. EPS of $0.64 for the same period compares to $0.62 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $60.7 million, representing a surprise of -0.43%. The company delivered an EPS surprise of +0.52%, with the consensus EPS estimate being $0.64.
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: $4.87 billion versus the two-analyst average estimate of $4.83 billion.
- Net charge-offs to average loans: 0.1% versus the two-analyst average estimate of 0.1%.
- Efficiency Ratio: 53.6% versus 53% estimated by two analysts on average.
- Card income: $2.71 million versus the two-analyst average estimate of $2.87 million.
- Other noninterest income: $0.72 million versus $1.09 million estimated by two analysts on average.
- Net interest income (FTE): $51.1 million versus $50.72 million estimated by two analysts on average.
- Service charges on deposit accounts: $2.09 million versus the two-analyst average estimate of $2.06 million.
- Wealth management fees: $3.36 million compared to the $3.08 million average estimate based on two analysts.
- Total noninterest income: $9.9 million compared to the $10.31 million average estimate based on two analysts.
- Mortgage servicing: $1.06 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 +5.9% over the past month versus the Zacks S&P 500 composite's +0.2% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with 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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