# HBT Financial Inc. (HBT)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $959M  
**Price:** $30.32 (-0.44%)

> HBT Financial Inc. is a prominent regional bank holding company that primarily engages in providing finance-related services in the United States. It plays a crucial role in the financial sector by offering a comprehensive suite of banking services which includes commercial, retail banking, and wealth management. Serving communities in Illinois, Wisconsin, and other regions, HBT Financial Inc. facilitates economic growth by providing loans, credit facilities, and depository services to small businesses, corporations, and individual clients.

A key feature of HBT Financial Inc. is its deep-rooted focus on community banking, which emphasizes personalized service and strong customer relationships. This approach allows HBT Financial to support local economies by understanding and catering to the specific needs of its clientele. Moreover, the company’s commitment to sound and prudent financial management strengthens its position in the markets it serves.

As an integral component of the regional financial ecosystem, HBT Financial Inc. contributes significantly to local economic development by enabling access to necessary financial resources and promoting financial stability and efficiency across the communities within its operational territory.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $256M | — | — | $77M | — |
| 2024 | $252M | — | — | $72M | — |
| 2023 | $229M | — | — | $66M | — |
| 2022 | $153M | — | — | $56M | — |
| 2021 | $128M | — | — | $56M | — |
| 2020 | $124M | — | — | $37M | — |
| 2019 | $144M | — | — | $67M | — |
| 2018 | $137M | — | — | $64M | — |
| 2017 | $128M | — | — | $56M | — |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $5.07B | $4.46B | $615M | $122M | — |
| 2024 | $5.03B | $4.49B | $545M | $138M | — |
| 2023 | $5.07B | $4.58B | $489M | $141M | — |
| 2022 | $4.29B | $3.91B | $374M | $114M | — |
| 2021 | $4.31B | $3.90B | $412M | $409M | — |
| 2020 | $3.67B | $3.30B | $364M | $312M | — |
| 2019 | $3.25B | $2.91B | $333M | $284M | — |
| 2018 | $3.25B | $2.91B | $340M | $187M | — |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $85M | — | — |
| 2024 | $89M | — | — |
| 2023 | $66M | — | — |
| 2022 | $73M | — | — |
| 2021 | $43M | — | — |
| 2020 | $31M | — | — |
| 2019 | $89M | — | — |
| 2018 | $80M | — | — |
| 2017 | $72M | — | — |

Source: [CompaniesByCap](https://companiesbycap.com/company/HBT)