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HBT Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$34.5M in Q3 2026 · $104M over twelve months

Operating cash flow$34.5M
Free cash flow+$34.5M
Cash / net income1.1×

Analysis

In Q3 2026, HBT Financial generated $34.5M of operating cash flow. That is $17.4M more than in Q3 2025 ($17.2M).

Over the twelve months to Sep 30, 2026, operating cash flow was $104M; the largest uses were other financing ($112M), dividends ($31.5M), buybacks ($16.7M); besides operations, cash came from acquisitions ($15.0M), other investing ($12.5M); the cash balance fell by $28.9M.

Operating cash flow was $34.5M against net income of $31.4M — 1.1× profit, cash ran ahead of reported earnings. The largest differences: prepaid and other assets +$4.3M, other liabilities +$3.8M, depreciation & amortization +$1.2M.

Free cash flow

HBT Financial: free cash flow by quarterHBT Financial: free cash flow by quarter$17.3MQ4 2024$30.4MQ1 2025$13.6MQ2 2025$17.2MQ3 2025$23.9MQ4 2025$28.5MQ1 2026$17.2MQ2 2026$34.5MQ3 2026
Operating cash flow less capital spending.
HBT Financial: operating cash flow against capital spendingHBT Financial: operating cash flow against capital spendingOperating cash flowCapital spending$17.3M$0Q4 2024$30.4M$0Q1 2025$13.6M$0Q2 2025$17.2M$0Q3 2025$23.9M$0Q4 2025$28.5M$0Q1 2026$17.2M$0Q2 2026$34.5M$0Q3 2026
Latest (Q3 2026): Operating cash flow $34.5M, Capital spending $0.

Capital allocation, year by year

HBT Financial: where the cash came from (up) and went (down), by fiscal yearHBT Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowAsset salesAcquisitionsBuybacksDividendsFY2021: Operating cash flow $43.0MFY2021: Acquisitions −$4.8MFY2021: Buybacks −$4.9MFY2021: Dividends −$16.8M$43.0MFY2021FY2022: Operating cash flow $72.6MFY2022: Asset sales $1.3MFY2022: Buybacks −$4.8MFY2022: Dividends −$18.6M$73.9MFY2022FY2023: Operating cash flow $65.8MFY2023: Asset sales $351KFY2023: Acquisitions −$14.5MFY2023: Buybacks −$8.9MFY2023: Dividends −$21.9M$66.2MFY2023FY2024: Operating cash flow $89.4MFY2024: Buybacks −$4.4MFY2024: Dividends −$24.2M$89.4MFY2024FY2025: Operating cash flow $85.1MFY2025: Asset sales $319KFY2025: Buybacks −$4.5MFY2025: Dividends −$26.6M$85.4MFY2025
Over these 5 years operating cash flow totalled $356M; the largest uses were dividends ($108M) and buybacks ($27.5M). Cash-flow statements as filed.

Where the cash came from and went

HBT Financial: sources (+) and uses (−) of cash, Q3 2026HBT Financial: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$34.5MOther investing−$26.1MDividends−$9.1MCash drawn (+) / kept (−)$6.0MOther financing−$5.3M
HBT Financial: sources (+) and uses (−) of cash, TTM to Q3 2026HBT Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other financing−$112MOperating cash flow$104MDividends−$31.5MCash drawn (+) / kept (−)$28.9MBuybacks−$16.7MAcquisitions$15.0MOther investing$12.5MTaxes on employees’ shares−$644K

From profit to cash

HBT Financial: net income to operating cash flow, Q3 2026HBT Financial: net income to operating cash flow, Q3 2026Net income$31.4MDepreciation & amortization$1.2MStock-based pay$527KDeferred taxes$275KGains on disposals$62KPrepaid and other assets$4.3MOther liabilities$3.8MOperating cash flow$34.5M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowAcquisitionsBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$34.5M——−$9.1M—$6.0M$34.5M
Q2 2026$17.2M—−$426K−$8.4M—$155M$17.2M
Q1 2026$28.5M$15.0M−$15.7M−$7.3M$84.0M−$165M$28.5M
Q4 2025$23.9M—−$587K−$6.6M—$32.9M$23.9M
Q3 2025$17.2M—−$1.0M−$6.7M—$40.6M$17.2M
Q2 2025$13.6M—−$2.9M−$6.6M—$15.8M$13.6M
Q1 2025$30.4M——−$6.7M—−$73.9M$30.4M
Q4 2024$17.3M——−$6.0M—$42.0M$17.3M

HBT Financial: income statement and cash flow

HBT Financial, Q3 2026: revenue $84.6M (+41% year over year), operating margin 50.2%. The chart follows the revenue to costs, profit and cash.

HBT Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.