We use cookies to understand how you use our site and to improve your experience.
This includes personalizing content and advertising.
By pressing "Accept All" or closing out of this banner, you consent to the use of all cookies and similar technologies and the sharing of information they collect with third parties.
You can reject marketing cookies by pressing "Deny Optional," but we still use essential, performance, and functional cookies.
In addition, whether you "Accept All," Deny Optional," click the X or otherwise continue to use the site, you accept our Privacy Policy and Terms of Service, revised from time to time.
You are being directed to ZacksTrade, a division of LBMZ Securities and licensed broker-dealer. ZacksTrade and Zacks.com are separate companies. The web link between the two companies is not a solicitation or offer to invest in a particular security or type of security. ZacksTrade does not endorse or adopt any particular investment strategy, any analyst opinion/rating/report or any approach to evaluating individual securities.
If you wish to go to ZacksTrade, click OK. If you do not, click Cancel.
HBT Financial (HBT) Reports Q3 Earnings: What Key Metrics Have to Say
Read MoreHide Full Article
For the quarter ended September 2026, HBT Financial (HBT - Free Report) reported revenue of $85.43 million, up 42.8% over the same period last year. EPS came in at $0.86, compared to $0.65 in the year-ago quarter.
The reported revenue represents a surprise of +3.39% over the Zacks Consensus Estimate of $82.63 million. With the consensus EPS estimate being $0.78, the EPS surprise was +10.26%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:
Average Balances - Interest-earning assets: $6.42 billion versus $6.4 billion estimated by three analysts on average.
Net interest margin (FTE): 4.4% versus the three-analyst average estimate of 4.4%.
Net charge-offs to average loans: -0% compared to the 0.1% average estimate based on three analysts.
Efficiency Ratio: 48.7% versus the three-analyst average estimate of 51.2%.
Total Nonperforming Loans: $10.1 million versus the two-analyst average estimate of $9.5 million.
Service charges on deposit accounts: $2.68 million versus the three-analyst average estimate of $2.34 million.
Net interest income (FTE): $71.19 million versus the three-analyst average estimate of $70.24 million.
Wealth management fees: $3.94 million versus $4.02 million estimated by three analysts on average.
Card income: $3.25 million versus the three-analyst average estimate of $3.19 million.
Other noninterest income: $1.4 million versus $1.06 million estimated by three analysts on average.
Total noninterest income: $14.24 million versus $12.34 million estimated by three analysts on average.
Mortgage servicing: $1.11 million versus $1.1 million estimated by three analysts on average.
Shares of HBT Financial have remained unchanged over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.
View the Zacks #1 Rank List
Image: Bigstock
HBT Financial (HBT) Reports Q3 Earnings: What Key Metrics Have to Say
For the quarter ended September 2026, HBT Financial (HBT - Free Report) reported revenue of $85.43 million, up 42.8% over the same period last year. EPS came in at $0.86, compared to $0.65 in the year-ago quarter.
The reported revenue represents a surprise of +3.39% over the Zacks Consensus Estimate of $82.63 million. With the consensus EPS estimate being $0.78, the EPS surprise was +10.26%.
While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.
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:View all Key Company Metrics for HBT Financial here>>>
Shares of HBT Financial have remained unchanged over the past month versus the Zacks S&P 500 composite's -1.2% change. The stock currently has a Zacks Rank #1 (Strong Buy), indicating that it could outperform the broader market in the near term.