← HBT Financial, Inc.
| Annual Trend | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $56.1m |
$63.8m
+13.72%
|
$66.9m
+4.81%
|
$36.8m
-44.90%
|
$56.3m
+52.72%
|
$56.5m
+0.33%
|
$65.8m
+16.63%
|
$71.8m
+9.02%
|
$77.0m
+7.28%
|
$77.7m
+0.96%
|
|
| Net loss (gain) on disposals of bank premises and equipment | $216k | $6k | ($29k) | $2k | $33k | ($9k) | ($84k) | $55k | $87k | — | |
| Net loss (gain) on extinguishment of subordinated debt | — | — | — | — | — | — | $0 | $0 | $391k | — | |
| Depreciation expense | $3.3m | $3.2m | $2.7m | $2.9m | $3.1m | $3.0m | $3.1m | $2.9m | $3.2m | $7.4m | |
| Net amortization of debt securities | — | $5.0m | $3.5m | $5.0m | $7.1m | $7.0m | $5.7m | $3.6m | $2.3m | — | |
| Amortization of intangibles | $1.9m | $1.6m | $1.4m | $1.2m | $1.1m | $873k | $2.7m | $2.8m | $2.7m | $3.7m | |
| Amortization of discount and issuance costs on subordinated notes and debentures | — | $66k | $66k | $92k | $144k | $145k | $139k | $139k | $116k | — | |
| Amortization of discount on Federal Home Loan Bank advances | — | — | — | — | ($105k) | $0 | $379k | $401k | $158k | — | |
| Amortization of premium on time deposits | — | — | — | — | ($81k) | ($188k) | ($400k) | ($108k) | $0 | — | |
| Amortization Cash Flow | — | — | — | — | — | $873k | $2.7m | $2.8m | $2.7m | — | |
| Amortization Of Securities | — | — | — | — | — | $7.0m | $5.7m | $3.6m | $2.3m | $902k | |
| Depreciation Amortization Depletion | — | — | — | — | — | $3.9m | $5.8m | $5.8m | $5.9m | $7.4m | |
| Deferred income tax expense | — | — | ($2.7m) | ($339k) | $2.9m | ($2.9m) | $3.8m | $996k | $329k | $8.0m | |
| Deferred Tax | — | — | — | — | — | ($2.9m) | $3.8m | $996k | $329k | $8.0m | |
| Stock-based compensation | — | — | — | $351k | $764k | $1.9m | $2.0m | $1.8m | $1.9m | $2.0m | |
| Impairment losses on bank premises held for sale | $1.9m | $52k | $37k | $0 | $661k | $60k | $0 | $580k | $50k | — | |
| Asset Impairment Charge | — | — | — | — | — | $492k | $263k | $670k | $201k | $488k | |
| Change In Working Capital | — | — | — | — | — | $7.4m | ($18.7m) | $4.3m | $294k | ($2.5m) | |
| Change In Receivables | — | — | — | — | — | ($4.6m) | ($1.9m) | ($236k) | $991k | ($663k) | |
| Changes In Account Receivables | — | — | — | — | — | ($4.6m) | ($1.9m) | ($236k) | $991k | ($663k) | |
| Decrease (increase) in accrued interest receivable | ($1.3m) | ($553k) | $1.3m | ($304k) | $240k | ($4.6m) | ($1.9m) | ($236k) | $991k | — | |
| Decrease in other assets | ($145k) | $35k | ($602k) | ($1.1m) | $1.7m | ($8.0m) | $2.2m | $3.1m | $645k | — | |
| Increase (decrease) in other liabilities | $2.5m | $1.5m | $17.6m | ($11.3m) | ($17.8m) | $22.3m | ($20.0m) | $2.0m | ($2.6m) | — | |
| Change In Other Current Assets | — | — | — | — | — | ($10.2m) | $3.8m | $3.2m | $2.5m | $1.4m | |
| Change In Other Current Liabilities | — | — | — | — | — | $22.3m | ($20.0m) | $2.0m | ($2.6m) | ($2.5m) | |
| Net cash provided by operating activities | $72.1m |
$80.0m
+10.98%
|
$89.1m
+11.37%
|
$31.3m
-64.92%
|
$43.1m
+37.90%
|
$72.6m
+68.41%
|
$65.8m
-9.31%
|
$89.4m
+35.76%
|
$85.1m
-4.81%
|
$86.8m
+2.05%
|
|
| Purchases of bank premises and equipment | ($2.2m) | ($1.7m) | ($2.1m) | ($1.9m) | ($1.0m) | ($1.0m) | ($3.1m) | ($5.5m) | ($10.2m) | — | |
| Proceeds from sales of bank premises and equipment | $120k | $10k | $176k | $1k | $17k | $27k | $222k | $2k | $76k | — | |
| Transfers of bank premises and equipment to bank premises held for sale | $2.3m | — | — | — | $1.3m | $0 | $35k | $317k | $0 | — | |
| Capital Expenditure Reported | — | — | — | — | $0 | $0 | — | — | — | ($11.1m) | |
| Proceeds from sales of debt securities | — | — | — | — | — | $0 | $185.3m | $69.2m | $4.1m | — | |
| Proceeds from paydowns, maturities, and calls of debt securities | — | $171.5m | $201.5m | $223.0m | $213.5m | $154.2m | $102.6m | $126.3m | $186.4m | — | |
| Purchase of debt securities | ($355.6m) | ($189.4m) | ($73.1m) | ($523.6m) | ($513.8m) | ($371.7m) | ($3.0m) | ($105.1m) | ($234.3m) | — | |
| Net Other Investing Changes | — | — | — | — | — | ($3.4m) | $8.1m | $4.3m | $1.7m | $21.7m | |
| Net cash provided by (used in) investing activities | ($90.3m) | $65.1m | $115.3m | ($380.4m) | ($349.6m) | ($335.1m) | $132.7m | $32.3m | ($39.6m) | $3.3m | |
| Issuance Of Debt | — | — | — | — | — | $0 | $0 | $907k | $6.8m | $89.0m | |
| Long Term Debt Issuance | — | — | — | — | — | $0 | $0 | $907k | $6.8m | $89.0m | |
| Long Term Debt Payments | — | — | — | — | — | $0 | $0 | ($700k) | ($47.9m) | ($111.8m) | |
| Net Issuance Payments Of Debt | — | — | — | — | — | $160.0m | ($234.2m) | $207k | ($41.1m) | ($22.8m) | |
| Net Long Term Debt Issuance | — | — | — | — | — | $0 | $0 | $207k | ($41.1m) | ($22.8m) | |
| Net Short Term Debt Issuance | — | — | — | — | — | $160.0m | ($234.2m) | $0 | $0 | ($907k) | |
| Repayment Of Debt | — | — | — | — | — | $0 | ($234.2m) | ($700k) | ($47.9m) | ($111.8m) | |
| Short Term Debt Payments | — | — | — | — | — | — | ($234.2m) | $0 | $0 | $0 | |
| Repurchase of common stock | — | ($907k) | — | — | ($4.9m) | ($4.8m) | ($8.9m) | ($4.4m) | ($4.5m) | — | |
| Common Stock Payments | — | — | — | — | — | ($4.8m) | ($8.9m) | ($4.4m) | ($4.5m) | ($17.8m) | |
| Net Common Stock Issuance | — | — | — | — | — | ($4.8m) | ($8.9m) | ($4.4m) | ($4.5m) | ($17.8m) | |
| Repurchase Of Capital Stock | — | — | — | — | — | ($4.8m) | ($8.9m) | ($4.4m) | ($4.5m) | ($17.8m) | |
| Cash dividends and dividend equivalents paid | ($57.1m) | ($42.6m) | ($225.0m) | ($16.5m) | ($16.8m) | ($18.6m) | ($21.9m) | ($24.2m) | ($26.6m) | — | |
| Cash Dividends Paid | — | — | — | — | — | ($18.6m) | ($21.9m) | ($24.2m) | ($26.6m) | ($29.0m) | |
| Net Other Financing Charges | — | — | — | — | — | ($57k) | ($181k) | ($331k) | ($691k) | ($644k) | |
| Net cash used in financing activities | ($54.8m) |
($123.9m)
-125.94%
|
($107.3m)
+13.36%
|
$377.7m
+451.85%
|
$403.3m
+6.79%
|
($32.6m)
-108.08%
|
($171.4m)
-426.22%
|
($125.3m)
+26.91%
|
($60.9m)
+51.43%
|
($153.7m)
-152.50%
|
|
| NET INCREASE (DECREASE) IN CASH AND CASH EQUIVALENTS | ($73.1m) | $21.2m | $97.1m | $28.5m | $96.8m | ($295.1m) | $27.1m | ($3.6m) | ($15.4m) | ||
| CASH AND CASH EQUIVALENTS AT BEGINNING OF YEAR | $165.7m | $186.9m | $284.0m | $312.5m | $409.3m | $114.2m | $141.3m | $137.7m | $122.3m | $195.7m | |
| Beginning Cash Position | — | — | — | — | — | $409.3m | $114.2m | $141.3m | $137.7m | $195.7m | |
| Additional Supplementary Disclosures | |||||||||||
| Additional Supplementary Disclosures | |||||||||||
| Provision for credit losses | — | — | — | — | ($8.1m) | ($706k) | $7.6m | $3.0m | $3.2m | — | |
| Net accretion of discount and deferred loan fees on loans | ($5.9m) | ($5.1m) | ($3.7m) | ($4.9m) | ($12.4m) | ($5.3m) | ($7.2m) | ($7.2m) | ($7.1m) | — | |
| Net realized loss on sales of securities | $1.3m | $2.5m | — | — | $0 | $0 | $1.8m | $3.7m | $200k | — | |
| Net unrealized loss (gain) on equity securities | — | $122k | $5k | ($33k) | ($107k) | $414k | ($160k) | $59k | ($7k) | — | |
| Net gain on sales of bank premises held for sale | — | ($734k) | ($448k) | — | $0 | ($187k) | ($81k) | $0 | ($52k) | — | |
| Net gain on sales of foreclosed assets | ($1.7m) | $268k | ($1.0m) | ($348k) | ($505k) | ($118k) | ($764k) | ($112k) | ($155k) | — | |
| Write-down of foreclosed assets | $2.4m | $1.2m | $563k | $213k | $195k | $432k | $263k | $90k | $151k | — | |
| Decrease in fair value of mortgage servicing rights | $315k | ($629k) | $2.4m | $2.6m | ($1.7m) | ($2.2m) | $1.6m | $174k | $1.9m | — | |
| Mortgage loans originated for sale | ($158.9m) | ($128.5m) | ($150.7m) | ($370.1m) | ($179.9m) | ($56.2m) | ($69.7m) | ($62.6m) | ($49.2m) | — | |
| Proceeds from sale of mortgage loans | $166.4m | $133.4m | $152.0m | $368.8m | $195.5m | $62.0m | $71.1m | $65.0m | $51.0m | — | |
| Net gain on sale of mortgage loans | ($4.5m) | ($2.9m) | ($3.1m) | ($8.8m) | ($5.8m) | ($1.5m) | ($1.5m) | ($1.6m) | ($1.5m) | — | |
| Increase in cash surrender value of bank owned life insurance | — | — | — | — | ($41k) | ($164k) | ($566k) | ($668k) | ($671k) | — | |
| Net gain on bank owned life insurance proceeds | — | — | — | — | — | $0 | $0 | ($247k) | $0 | — | |
| Proceeds from maturities of interest-bearing time deposits with banks | — | — | — | $248k | $245k | $485k | $249k | $520k | $0 | — | |
| Purchase of interest-bearing time deposits with banks | — | — | — | — | $0 | $0 | ($509k) | ($11k) | $0 | — | |
| Proceeds from sales and redemptions of equity securities | — | — | — | — | — | $0 | $0 | $58k | $81k | — | |
| Purchase of equity securities | — | — | — | — | — | ($51k) | ($397k) | ($196k) | ($64k) | — | |
| Purchase of loans | — | — | — | — | $0 | $0 | ($61.0m) | ($14.6m) | ($9.8m) | — | |
| Net decrease (increase) in loans | ($15.7m) | ($29.4m) | ($17.9m) | ($80.3m) | ($50.1m) | ($113.7m) | ($81.6m) | ($42.6m) | $22.3m | — | |
| Purchase of restricted stock | ($171k) | ($2.4m) | — | ($73k) | ($241k) | ($6.2m) | ($23.8m) | $0 | $0 | — | |
| Proceeds from redemption of restricted stock | $4.4m | $2.5m | $294k | — | $796k | $925k | $27.5m | $2.1m | $107k | — | |
| Proceeds from bank owned life insurance | — | — | — | — | — | $0 | $0 | $831k | $0 | — | |
| Proceeds from sales of bank premises held for sale | — | $2.3m | $1.0m | — | $0 | $1.3m | $351k | $0 | $319k | — | |
| Proceeds from sales of foreclosed assets | $9.0m | $6.9m | $5.5m | $2.1m | $5.8m | $475k | $4.1m | $1.4m | $1.3m | — | |
| Net cash paid for acquisition of Town and Country | — | — | — | — | ($4.8m) | $0 | ($14.5m) | $0 | $0 | — | |
| Net increase (decrease) in deposits | ($21.5m) | ($59.7m) | ($19.1m) | $353.7m | $426.1m | ($151.0m) | $94.4m | ($83.1m) | $41.0m | — | |
| Net decrease in repurchase agreements | ($1.2m) | $8.4m | ($1.8m) | $1.3m | $11.4m | ($18.2m) | ($639k) | ($13.5m) | ($29.0m) | — | |
| Net decrease in short-term Federal Home Loan Bank advances | — | — | — | — | — | — | ($234.2m) | $0 | $0 | — | |
| Proceeds from long-term Federal Home Loan Bank advances | $29.0m | — | — | — | — | $160.0m | $0 | $907k | $6.8m | — | |
| Repayment of long-term Federal Home Loan Bank advances | ($4.0m) | ($29.0m) | — | — | ($12.5m) | ($160.0m) | ($234.2m) | ($700k) | ($7.9m) | — | |
| Repayment of subordinated notes | — | — | — | — | — | — | $0 | $0 | ($40.0m) | — | |
| Taxes paid related to the vesting of restricted stock units | — | — | — | — | $0 | ($57k) | ($181k) | ($331k) | ($691k) | — | |
| Cash paid for interest | $6.6m | $7.8m | $10.0m | $6.4m | $5.9m | $6.9m | $32.9m | $64.7m | $58.2m | — | |
| Federal | — | — | — | — | — | — | $13.8m | $16.4m | $18.4m | — | |
| State | — | — | — | — | — | — | $6.7m | $7.5m | $8.2m | — | |
| Total | $892k | $851k | $880k | $17.5m | $20.9m | $20.0m | $20.5m | $23.9m | $26.6m | — | |
| Transfers of loans to foreclosed assets | $10.2m | $2.5m | $2.5m | $1.1m | $4.9m | $541k | $1.1m | $889k | $2.0m | — | |
| Cash Flow From Continuing Financing Activities | — | — | — | — | — | ($32.6m) | ($171.4m) | ($125.3m) | ($60.9m) | ($153.7m) | |
| Cash Flow From Continuing Investing Activities | — | — | — | — | — | ($335.1m) | $132.7m | $32.3m | ($39.6m) | $3.3m | |
| Change In Cash Supplemental As Reported | — | — | — | — | — | ($295.1m) | $27.1m | ($3.6m) | ($15.4m) | — | |
| Change In Other Working Capital | — | — | — | — | — | ($164k) | ($566k) | ($668k) | ($671k) | ($734k) | |
| Changes In Cash | — | — | — | — | — | ($295.1m) | $27.1m | ($3.6m) | ($15.4m) | ($63.5m) | |
| End Cash Position | — | — | — | — | — | $114.2m | $141.3m | $137.7m | $122.3m | $132.2m | |
| Financing Cash Flow | — | — | — | — | — | ($32.6m) |
($171.4m)
-426.22%
|
($125.3m)
+26.91%
|
($60.9m)
+51.43%
|
($153.7m)
-152.50%
|
|
| Free Cash Flow | — | — | — | — | — | $71.5m | $62.7m | $83.9m | $74.8m | $75.7m | |
| Gain Loss On Investment Securities | — | — | — | — | — | $0 | $1.8m | $3.7m | $200k | $315k | |
| Gain Loss On Sale Of PPE | — | — | — | — | — | ($9k) | ($84k) | $55k | $87k | $6k | |
| Investing Cash Flow | — | — | — | — | — | ($335.1m) | $132.7m | $32.3m | ($39.6m) | $3.3m | |
| Net Business Purchase And Sale | — | — | — | — | — | $0 | ($14.5m) | $0 | $0 | $0 | |
| Net Investment Purchase And Sale | — | — | — | — | — | ($217.5m) | $284.9m | $90.2m | ($43.7m) | $95.6m | |
| Net PPE Purchase And Sale | — | — | — | — | — | ($1.0m) | ($2.9m) | ($5.5m) | ($10.2m) | ($11.1m) | |
| Operating Gains Losses | — | — | — | — | — | ($1.7m) | $129k | $2.1m | ($851k) | ($905k) | |
| Other Non Cash Items | — | — | — | — | — | $5.7m | $671k | $2.0m | $1.6m | — | |
| Purchase Of Business | — | — | — | — | — | $0 | ($14.5m) | $0 | $0 | $0 | |
| Purchase Of Investment | — | — | — | — | — | ($371.7m) | ($3.0m) | ($105.3m) | ($234.3m) | ($402.4m) | |
| Purchase Of PPE | — | — | — | — | — | ($1.0m) | ($3.1m) | ($5.5m) | ($10.2m) | ($11.1m) | |
| Sale Of Investment | — | — | — | — | — | $154.2m | $287.9m | $195.6m | $190.6m | $498.0m | |
| Sale Of PPE | — | — | — | — | — | $27k | $222k | $2k | $76k | ($110k) | |
| Unrealized Gain Loss On Investment Securities | — | — | — | — | — | $414k | ($160k) | $59k | ($7k) | ($55k) |