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HBT Financial, Inc. key statistics and ratios

In fiscal 2025, HBT Financial, Inc. had return on equity of 13.3% and a net margin of 32.5%. Each ratio below is calculated from the figures on its income statement, balance sheet and cash flow pages.

Financial ratios

US$ thousands unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Net margin36.4%39.7%40.1%24.2%35.2%31.3%29.0%32.0%32.5%29.0%
Return on equity17.3%19.2%19.9%10.6%14.5%14.4%15.3%13.9%13.3%11.3%
Return on assets—2.0%2.1%1.1%1.4%1.3%1.4%1.4%1.5%1.3%
Effective tax rate1.5%1.3%7.3%25.7%26.5%25.9%25.7%26.3%26.3%26.3%
Dividends ÷ net income101.7%66.8%336.4%44.8%29.8%32.9%33.2%33.7%34.6%37.3%

Returns use average equity or assets over the year. Return on equity is left blank when equity is negative or so small that the ratio says nothing (above ±200%); interest cover is left blank above 200 times. Price-based ratios such as P/E are on the valuation page.

Moat

73 /100

Strong moat

How hard HBT Financial's competitive advantage looks for rivals to wear away, judged from 8 years of its own filings: returns on capital, pricing power, profit durability, cash conversion and discipline.

  • Returns on capital 17 / 20

    Net income has been a median 1.3% of total assets over 7 years.

  • Durability 20 / 20

    Net margin has been a median 32.6%; its worst year was 27.0%.

  • Discipline 10 / 20

    The diluted share count rose 21.1% over five years; stock-based pay has been a median 0.8% of revenue.

AI disruption exposure: Medium. In this industry, AI could change how the product is made or sold, without replacing the core asset. The score above includes a 5-point deduction for that exposure (78 before it).

A rules-based reading of reported figures, not a forecast and not investment advice. How the score is built: methodology.

Compare with peers

Head to head: HBT vs MBWMCAC vs HBTHBT vs MPB

More: Regional Banks stocks compared, Financials sector, rankings of US companies

Figures from HBT Financial, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to HBT Financial, Inc.