Filing Flows › HBT Financial (HBT) › Q3 2026
HBT Financial (HBT) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 6, 2026
HBT Financial (HBT) reported revenue of $84.6M for the third quarter 2026 (Q3 2026), +41% from a year earlier and +5% from the quarter before. Operating margin was 50.2%, net earnings $31.4M (37.1% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $84.6M | +5% | +41% |
| Operating profit | $42.5M | +12% | +59% |
| Net earnings | $31.4M | +13% | +59% |
| Operating cash flow | $34.5M | +101% | +101% |
| Free cash flow | $33.2M | — | +123% |
What changed
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.
Questions
What was HBT Financial's revenue in the third quarter 2026?
HBT Financial (HBT) reported revenue of $84.6M for the third quarter 2026 (Q3 2026), +41% from a year earlier and +5% from the quarter before.
Was HBT Financial profitable in the third quarter 2026?
Operating profit was $42.5M (50.2% of revenue) and net earnings $31.4M.
Source: HBT Financial 10-Q on SEC EDGAR.