Filing Flows › HBT Financial (HBT) › Q3 2026 › vs Q3 2025
HBT Financial (HBT) Q3 2026 vs Q3 2025 (year over year)
HBT Financial's revenue rose $24.7M (+41%) from $59.8M in Q3 2025 to $84.6M in Q3 2026. The biggest changes: Net interest income +$20.3M (+41%); Noninterest income +$4.4M (+45%). Operating margin 50.2% against 44.7% (+5.5 pts).
HBT Financial, Q3 2026: revenue $84.6M (+41% year over year), operating margin 50.2%, net earnings $31.4M, operating cash flow $34.5M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 50.2% | 44.7% | +5.5 pts |
| Net margin | 37.1% | 33.0% | +4.1 pts |
| Free cash flow margin | 39.3% | 24.9% | +14.4 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $70.3M | $50.0M | $20.3M | +41% |
| Noninterest income | $14.2M | $9.8M | $4.4M | +45% |
| Revenue | $84.6M | $59.8M | $24.7M | +41% |
| Operating profit | $42.5M | $26.7M | $15.7M | +59% |
| Costs & expenses | $42.1M | $33.1M | $9.0M | +27% |
| Pre-tax earnings | $42.5M | $26.7M | $15.7M | +59% |
| Net earnings | $31.4M | $19.8M | $11.6M | +59% |
| Income tax | $11.1M | $7.0M | $4.1M | +59% |
| Depreciation & amortization | $1.2M | $812K | $340K | +42% |
| Share-based compensation | $527K | $513K | $14K | +3% |
| Working capital & other | $1.5M | −$3.9M | $5.4M | — |
| Operating cash flow | $34.5M | $17.2M | $17.4M | +101% |
| Free cash flow (OCF − capex) | $33.2M | $14.9M | $18.3M | +123% |
| Capital expenditures | $1.3M | $2.3M | −$933K | -41% |
Questions
How much did HBT Financial's revenue grow year over year in Q3 2026?
HBT Financial's revenue rose $24.7M (+41%) from $59.8M in Q3 2025 to $84.6M in Q3 2026.
What drove HBT Financial's revenue change in Q3 2026?
Net interest income +$20.3M (+41%); Noninterest income +$4.4M (+45%).