← HBT Financial, Inc. HBT
Market Price
$37.18
Market Cap
$1.36B
P/E Ratio
15.24
Revenue (FY 2025)
↑3.4% YoY
$30.97M
3-Yr CAGR: 5.3%
Net Income
↑7.3% YoY
$77.01M
Net Margin: 248.6%
Free Cash Flow
↓-10.7% YoY
$74.90M
FCF Yield: 5.53%
EPS (Diluted)
↑8.0% YoY
$2.44
Basic: $2.44
Return on Equity
Efficiency
12.5%
ROA: 1.5%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (HBT)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2018: Revenue YoY (+1.6%) is identical to Gross Profit YoY (+1.6%). Verify the underlying Revenue and Gross Profit values for FY 2018 and FY 2017.
- FY 2019: Revenue YoY (-5.0%) is identical to Gross Profit YoY (-5.0%). Verify the underlying Revenue and Gross Profit values for FY 2019 and FY 2018.
- FY 2020: Revenue YoY (-7.1%) is identical to Gross Profit YoY (-7.1%). Verify the underlying Revenue and Gross Profit values for FY 2020 and FY 2019.
- FY 2021: Revenue YoY (+13.5%) is identical to Gross Profit YoY (+13.5%). Verify the underlying Revenue and Gross Profit values for FY 2021 and FY 2020.
- FY 2022: Revenue YoY (+9.7%) is identical to Gross Profit YoY (+9.7%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (+8.3%) is identical to Gross Profit YoY (+8.3%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (+4.1%) is identical to Gross Profit YoY (+4.1%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+3.4%) is identical to Gross Profit YoY (+3.4%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2017 | $23.7M | — | $23.7M | $56.1M | — | $3.10 | — | $72.1M | $72.1M | — |
| FY 2018 | $24.1M | +1.6% | $24.1M | $63.8M | +13.7% | $3.54 | +14.2% | $80.0M | $80.0M | +11.0% |
| FY 2019 | $22.9M | -5.0% | $22.9M | $66.9M | +4.8% | $3.33 | -5.9% | $89.1M | $89.1M | +11.4% |
| FY 2020 | $21.3M | -7.1% | $21.3M | $36.8M | -44.9% | $1.34 | -59.8% | $31.3M | $31.3M | -64.9% |
| FY 2021 | $24.2M | +13.5% | $24.2M | $56.3M | +52.7% | $2.02 | +50.7% | $43.1M | $43.1M | +37.9% |
| FY 2022 | $26.6M | +9.7% | $26.6M | $56.5M | +0.3% | $1.95 | -3.5% | $72.6M | $72.6M | +68.4% |
| FY 2023 | $28.8M | +8.3% | $28.8M | $65.8M | +16.6% | $2.07 | +6.2% | $65.8M | $62.9M | -13.3% |
| FY 2024 | $30.0M | +4.1% | $30.0M | $71.8M | +9.0% | $2.26 | +9.2% | $89.4M | $83.9M | +33.3% |
| FY 2025 | $31.0M | +3.4% | $31.0M | $77.0M | +7.3% | $2.44 | +8.0% | $85.1M | $74.9M | -10.7% |
Valuation
Market Price
$37.18
Market Cap
$1.36B
Enterprise Value
N/A
P/E Ratio
15.24
P/B Ratio
2.20
FCF Yield
5.53%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
19.31%
Operating Margin
586.06%
Net Margin
248.64%
Return on Equity (ROE)
12.51%
Return on Assets (ROA)
1.52%
Asset Turnover
0.01x
Revenue 3-Yr CAGR
5.26%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$122.27M
Total Debt
N/A
Book Value / Share
$16.92
Cash Flow Efficiency
Operating Cash Flow
$85.07M
Capital Expenditures (CapEx)
$10.17M
Free Cash Flow
$74.90M
OCF / Revenue
274.67%
FCF / Revenue
241.83%
FCF 3-Yr CAGR
1.05%
Per Share Metrics
EPS (Diluted)
$2.44
EPS (Basic)
$2.44
Dividends / Share
N/A
Book Value / Share
$16.92
EPS YoY Growth
7.96%
Balance Sheet (FY 2025)
Total Assets
$5.07B
Total Liabilities
$5.07B
Stockholders' Equity
$615.50M
Current Assets
N/A
Current Liabilities
N/A