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HBT Financial (HBT) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · HBT Financial (HBT) Q3 2026 earnings results →
Q3 2026 Revenue up 41% year over year to $84.6M · 37¢ of every $1 of revenue kept as net profit · operating margin 50.2%
HBT Financial made $84.6M in Q3 2026 (+41% Y/Y): Net interest income $70.3M, Noninterest income $14.2M. Operating margin 50.2%, net earnings $31.4M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $84.6M in Q3 2026, up 41% year over year and up 5% from the previous quarter. Net interest income was the largest line at 83% of revenue. Net interest income added $20.3M year over year (up 41%), 82% of the total change.
Operating profit was $42.5M, a 50.2% margin (up 5.5 points year over year). Of the extra revenue versus a year earlier, 64% reached operating profit, above the 45% margin then. Total costs grew 27% against revenue growth of 41%. Net earnings were $31.4M, up 59% year over year. The effective tax rate was 26.1%.
Operating cash flow was $34.5M (up 101% year over year), 110% of net earnings. Non-cash charges added back $1.2M of depreciation and amortization and $527K of share-based compensation. Capital expenditures of $1.3M left free cash flow of $33.2M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $84.6M | +41% | 50.2% | $31.4M | $34.5M |
Charts
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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⚖️Fair value by methodinteractive
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📈Investments: gains and what it boughtinteractive
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About HBT Financial
HBT Financial, Inc. (the “Company” or "HBT Financial"), a Delaware corporation incorporated in 1982, is a bank holding company headquartered in Bloomington, Illinois that has elected to be regulated as a financial holding company. As of December 31, 2025, we had total assets of $5.1 billion, loans held for investment of $3.5 billion, and total deposits of $4.4 billion. Through our bank subsidiary, Heartland Bank and Trust Company (“Heartland Bank” or the “Bank”), we provide a comprehensive suite of financial products and services to consumers, businesses, and municipal entities throughout Illinois and eastern Iowa. The Company’s common stock is traded on the Nasdaq Global Select Market under the symbol “HBT.”
In its own words, from its 10-K, filed Mar 6, 2026.
HBT Financial against its State Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +41% against the peers' median +12%. Operating margin: 50.2% against the peers' median 34.7%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| HBT HBT Financial | Q3 2026 | $84.6M | +41% | 50.2% |
| BNY Bank of New York Mellon | Q3 2026 | $5.7B | +12% | 38.5% |
| STT State Street | Q3 2026 | $4.0B | +13% | 34.7% |
| FITB Fifth Third Bancorp | Q3 2026 | $3.3B | +42% | 33.8% |
| MTB M&T Bank | Q3 2026 | $2.5B | +0.9% | 39.7% |
| FCNCA First Citizens Bancshares | Q3 2026 | $2.4B | 0% | 33.1% |
| ALLY Ally Financial | Q3 2026 | $2.3B | +8% | 24.3% |
| CFG Citizens Financial Group | Q3 2026 | $2.3B | +10% | 34.6% |
| NTRS Northern Trust | Q3 2026 | $2.3B | +13% | 34.7% |
Source: HBT Financial 10-Q on SEC EDGAR · CIK 775215 · State Commercial Banks
Guidance and outlook
13F: who owns HBT and who is buying
More on HBT
History
Every quarter: Q3 2026 results