HBT Q4 2024 Earnings — HBT Financial, Inc. Revenue & Financial Results | Market Cap Arena

HBTHBT Financial, Inc.

$832M

Q4 2024 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$74M+5.1% YoY

Gross Profit

$58M78.1% margin

Operating Income

$27M37.1% margin

Net Income

$20M27.5% margin

EPS (Diluted)

$0.64

QoQ Revenue Growth

+2.0%

Cash Flow

Operating Cash Flow

$17M

Free Cash Flow

$16M

Stock-Based Comp.

$487,000

Balance Sheet

Total Assets

$5.0B

Total Liabilities

$4.5B

Stockholders' Equity

$545M

Cash & Equivalents

$138M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$74M	$70M	+5.1%
Gross Profit	$58M	$55M	+5.3%
Operating Income	$27M	$25M	+10.5%
Net Income	$20M	$18M	+9.9%

Revenue Segments

Wealth management fees

$3M39%

Card income

$3M35%

Service charges on deposit accounts

$2M26%