← HBT Financial, Inc.
| Annual Trend | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $23.7m |
$24.1m
+1.63%
|
$22.9m
-4.98%
|
$21.3m
-7.06%
|
$24.2m
+13.55%
|
$26.6m
+9.74%
|
$28.8m
+8.34%
|
$30.0m
+4.13%
|
$31.0m
+3.37%
|
$266.6m
+760.93%
|
|
| Total interest and dividend income | $127.6m |
$137.4m
+7.71%
|
$143.7m
+4.59%
|
$124.1m
-13.68%
|
$128.2m
+3.35%
|
$153.1m
+19.37%
|
$229.0m
+49.62%
|
$251.7m
+9.91%
|
$255.8m
+1.62%
|
— | |
| Realized gains (losses) on sales of securities | — | — | — | — | $0 | $0 | ($1.8m) | ($3.7m) | ($200k) | — | |
| Other noninterest income | $5.0m | $3.6m | $4.1m | $3.8m | $3.0m | $2.4m | $3.1m | $3.2m | $3.1m | — | |
| Total noninterest income | $33.2m | $31.2m | $32.8m | $34.5m | $37.3m | $34.7m | $36.0m | $35.6m | $38.2m | — | |
| Net interest income | $121.0m |
$129.4m
+6.98%
|
$133.8m
+3.37%
|
$117.6m
-12.10%
|
$122.4m
+4.08%
|
$145.9m
+19.18%
|
$191.1m
+30.98%
|
$188.8m
-1.16%
|
$198.9m
+5.32%
|
$226.0m
+13.61%
|
|
| Amortization of intangible assets | $1.9m | $1.6m | $1.4m | $1.2m | $1.1m | $873k | $2.7m | $2.8m | $2.7m | — | |
| Other noninterest expense | $8.5m | $8.6m | $8.1m | $9.8m | $10.6m | $20.2m | $16.8m | $12.5m | $13.7m | — | |
| Total noninterest expense | $94.1m | $90.3m | $91.0m | $92.0m | $91.2m | $105.1m | $131.0m | $124.0m | $129.4m | — | |
| Total interest expense | $6.6m | $8.0m | $9.9m | $6.5m | $5.8m | $7.2m | $37.9m | $62.9m | $56.9m | — | |
| Net interest income after provision for credit losses | $117.9m |
$123.7m
+4.99%
|
$130.4m
+5.37%
|
$107.1m
-17.89%
|
$130.5m
+21.86%
|
$146.6m
+12.34%
|
$183.5m
+25.19%
|
$185.8m
+1.26%
|
$195.7m
+5.34%
|
$226.0m
+15.45%
|
|
| INCOME BEFORE INCOME TAX EXPENSE | $57.0m | $64.7m | $72.1m | $49.6m | $76.6m | $76.2m | $88.6m | $97.4m | $104.5m | $105.5m | |
| INCOME TAX EXPENSE | $870k | $869k | $5.3m | $12.7m | $20.3m | $19.7m | $22.7m | $25.6m | $27.5m | $27.7m | |
| 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%
|
|
| EARNINGS PER SHARE - BASIC (in dollars per share) | $3.10 | $3.54 | $3.33 | $1.34 | $2.02 | $1.95 | $2.08 | $2.27 | $2.44 | $2.35 | |
| EARNINGS PER SHARE - DILUTED (in dollars per share) | $3.10 | $3.54 | $3.33 | $1.34 | $2.02 | $1.95 | $2.07 | $2.26 | $2.44 | $2.35 | |
| WEIGHTED AVERAGE SHARES OF COMMON STOCK OUTSTANDING (in shares) | 18.1m | 18.0m | 20.1m | 27.5m | 27.8m | 28.9m | 31.6m | 31.6m | 31.5m | 33.1m | |
| Taxable | $11.5m | $14.5m | $14.9m | $13.2m | $16.9m | $23.4m | $26.0m | $25.8m | $31.1m | — | |
| Federally tax exempt | $7.9m | $7.2m | $5.7m | $4.7m | $4.4m | $4.6m | $4.2m | $2.1m | $1.8m | — | |
| Interest-bearing deposits in bank | $1.7m | $1.7m | $3.0m | $938k | $527k | $1.5m | $3.0m | $8.3m | $5.5m | — | |
| Other interest and dividend income | $51k | $68k | $60k | $56k | $64k | $98k | $595k | $662k | $547k | — | |
| Deposits | $5.0m | $5.9m | $7.9m | $4.2m | $2.5m | $2.5m | $25.1m | $56.0m | $51.7m | — | |
| Securities sold under agreements to repurchase | $45k | $48k | $72k | $48k | $34k | $36k | $255k | $594k | $22k | — | |
| Borrowings | $66k | $260k | $9k | $2k | $9k | $967k | $7.1m | $480k | $203k | — | |
| Subordinated notes | $1.5m | $1.8m | $1.9m | $616k | $1.9m | $1.9m | $1.9m | $1.9m | $1.3m | — | |
| Junior subordinated debentures issued to capital trusts | — | $1.8m | $1.9m | $1.6m | $1.4m | $1.8m | $3.5m | $3.9m | $3.6m | — | |
| PROVISION FOR CREDIT LOSSES | ($8.1m) | ($706k) | $7.6m | $3.0m | $3.2m | ||||||
| Mortgage servicing | $3.4m | $3.3m | $3.1m | $3.0m | $2.8m | $2.6m | $4.7m | $4.4m | $4.1m | — | |
| Mortgage servicing rights fair value adjustment | ($315k) | $629k | ($2.4m) | ($2.6m) | $1.7m | $2.2m | ($1.6m) | ($174k) | ($1.9m) | — | |
| Gains on sale of mortgage loans | $4.5m | $2.9m | $3.1m | $8.8m | $5.8m | $1.5m | $1.5m | $1.6m | $1.5m | — | |
| Unrealized gains (losses) on equity securities | — | — | — | $33k | $107k | ($414k) | $160k | ($59k) | $7k | — | |
| Gains (losses) on foreclosed assets | — | — | $940k | $142k | $310k | ($314k) | $501k | $22k | $4k | — | |
| Gains (losses) on other assets | ($2.1m) | $787k | $944k | ($71k) | ($723k) | $136k | $166k | ($635k) | ($85k) | — | |
| Income on bank owned life insurance | — | — | — | — | $41k | $164k | $573k | $915k | $671k | — | |
| Salaries | $51.4m | $49.7m | $49.3m | $50.6m | $49.4m | $51.8m | $67.5m | $65.1m | $66.3m | $92.7m | |
| Employee benefits | $5.9m | $6.2m | $9.6m | $8.0m | $6.7m | $8.3m | $10.0m | $11.3m | $13.5m | — | |
| Occupancy of bank premises | $7.3m | $7.4m | $6.9m | $6.6m | $6.8m | $7.7m | $9.9m | $10.3m | $10.7m | — | |
| Furniture and equipment | $3.4m | $3.0m | $2.8m | $2.4m | $2.7m | $2.5m | $2.8m | $2.0m | $2.3m | — | |
| Data processing | $4.8m | $5.2m | $5.6m | $6.7m | $7.3m | $7.4m | $12.4m | $11.2m | $11.8m | — | |
| Marketing and customer relations | $4.5m | $4.2m | $3.9m | $3.5m | $3.4m | $3.8m | $5.0m | $4.3m | $4.2m | — | |
| Loss on extinguishment of debt | — | — | — | — | — | — | $0 | $0 | $391k | $391k | |
| FDIC insurance | $960k | $942k | $198k | $707k | $1.0m | $1.2m | $2.3m | $2.3m | $2.2m | — | |
| Loan collection and servicing | $3.0m | $2.7m | $2.6m | $1.8m | $1.3m | $1.0m | $1.4m | $2.1m | $1.3m | — | |
| Foreclosed assets | $1.3m | $772k | $676k | $557k | $908k | $293k | $251k | $109k | $169k | — |