HBT Q4 2025 Earnings — HBT Financial, Inc. Revenue & Financial Results | Market Cap Arena

HBTHBT Financial, Inc.

$832M

Q4 2025 Earnings

Financial Services Banks - Regional

Income Statement

Revenue

$74M+0.7% YoY

Gross Profit

$60M81.4% margin

Operating Income

$26M34.9% margin

Net Income

$19M25.5% margin

EPS (Diluted)

$0.60

QoQ Revenue Growth

+0.5%

Cash Flow

Operating Cash Flow

$142M

Free Cash Flow

$137M

Stock-Based Comp.

$0

Balance Sheet

Total Assets

$5.1B

Total Liabilities

$4.5B

Stockholders' Equity

$615M

Cash & Equivalents

$24M

Year-over-Year Comparison

Metric	Current	Year Ago	Change
Revenue	$74M	$74M	+0.7%
Gross Profit	$60M	$58M	+4.8%
Operating Income	$26M	$27M	-5.4%
Net Income	$19M	$20M	-6.6%

Revenue Segments

Wealth management fees

$3M41%

Card income

$3M33%

Service charges on deposit accounts

$2M26%