HBT Q3 2025 Earnings — HBT Financial, Inc. Revenue & Financial Results | Market Cap Arena

HBTHBT Financial, Inc.

$832M

Q3 2025 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$74M+2.2% YoY

Gross Profit

$59M79.8% margin

Operating Income

$27M36.2% margin

Net Income

$20M26.7% margin

EPS (Diluted)

$0.63

QoQ Revenue Growth

+1.2%

Cash Flow

Operating Cash Flow

$17M

Free Cash Flow

$15M

Stock-Based Comp.

$513,000

Balance Sheet

Total Assets

$5.0B

Total Liabilities

$4.4B

Stockholders' Equity

$599M

Cash & Equivalents

$155M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$74M	$72M	+2.2%
Gross Profit	$59M	$55M	+6.5%
Operating Income	$27M	$25M	+9.0%
Net Income	$20M	$18M	+8.7%

Revenue Segments

Wealth management fees

$3M39%

Card income

$3M34%

Service charges on deposit accounts

$2M26%