HBT Financial Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Net Interest Income	206.57	198.9	188.85	191.07	145.87	122.4
Net Interest Income Growth	8.23%	5.32%	-1.16%	30.98%	19.18%	4.08%
Non-Interest Income	39.83	38.19	35.57	36.05	34.72	37.33
Non-Interest Income Growth	1.47%	7.36%	-1.32%	3.83%	-7.00%	8.33%
Revenues Before Loan Losses	246.4	237.09	224.42	227.12	180.59	159.73
Provision for Credit Losses	2.43	3.16	3.03	7.57	-0.71	-8.08
Revenue	243.97	233.92	221.39	219.55	181.3	167.81
Revenue Growth (YoY)	7.46%	5.66%	0.84%	21.10%	8.04%	18.57%
Compensation Expenses	86.52	79.88	76.44	77.49	60.09	55.49
Selling, General & Admin	38.68	28.94	27.79	30.1	21.39	20.17
Other Non-Interest Expenses	24.72	20.6	19.78	23.37	23.62	15.59
Total Non-Interest Expense	149.92	129.42	124.01	130.96	105.11	91.25
Pretax Income	94.05	104.51	97.38	88.58	76.19	76.56
Provision for Income Taxes	24.92	27.5	25.6	22.74	19.73	20.29
Net Income	69.13	77.01	71.78	65.84	56.46	56.27
Net Income to Common	69.13	77.01	71.78	65.84	56.46	56.27
Net Income Growth	-8.55%	7.28%	9.02%	16.63%	0.33%	52.72%
Shares Outstanding (Basic)	32	32	32	32	29	28
Shares Outstanding (Diluted)	32	32	32	32	29	28
Shares Change (YoY)	0.95%	-0.32%	-0.08%	9.75%	3.98%	1.29%
EPS (Basic)	2.18	2.44	2.27	2.08	1.95	2.02
EPS (Diluted)	2.18	2.44	2.26	2.07	1.95	2.02
EPS Growth	-8.40%	7.96%	9.18%	6.15%	-3.46%	50.75%
Shares Outstanding	31.43	31.43	31.56	31.7	28.75	28.99
Free Cash Flow	-	74.82	83.87	62.7	71.54	42
Free Cash Flow Growth	-	-10.78%	33.77%	-12.36%	70.35%	42.87%
Free Cash Flow Per Share	-	2.37	2.64	1.98	2.47	1.51
Dividends Per Share	-	0.840	0.760	0.680	0.640	0.600
Dividend Growth	-	10.53%	11.77%	6.25%	6.67%	-
Profit Margin	28.34%	32.92%	32.42%	29.99%	31.14%	33.53%
FCF Margin	-	31.99%	37.88%	28.56%	39.46%	25.03%
EBITDA	-	5.93	5.78	5.78	3.92	4.13
EBITDA Margin	-	2.53%	2.61%	2.63%	2.16%	2.46%
Effective Tax Rate	26.50%	26.31%	26.29%	25.67%	25.90%	26.50%

Updated Apr 27, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q