Filing Flows › HBT Financial (HBT) › How it makes money
How HBT Financial (HBT) makes money
HBT Financial (HBT) made $84.6M of revenue in the third quarter 2026 (Q3 2026), +41% from a year earlier. Net interest income brought in $70.3M (83%); Noninterest income brought in $14.2M (17%). Of every dollar of revenue, 50¢ was left as operating profit, 37¢ was left as net earnings.
Drawing the Sankey…
Revenue by segment, Q3 2026
| Segment | Revenue | Share | Q/Q | Y/Y |
|---|---|---|---|---|
| Net interest income | $70.3M | 83.2% | +2% | +41% |
| Noninterest income | $14.2M | 16.8% | +20% | +45% |
Where each dollar of revenue goes
| Line | Q3 2026 | % of revenue |
|---|---|---|
| Revenue | $84.6M | 100.0% |
| Operating profit | $42.5M | 50.2% |
| Income tax | $11.1M | 13.1% |
| Net earnings | $31.4M | 37.1% |
| Operating cash flow | $34.5M | 40.8% |
| Free cash flow | $33.2M | 39.3% |
Revenue, quarter by quarter
| Quarter | Revenue | Y/Y |
|---|---|---|
| Q3 2026 | $84.6M | +41% |
From HBT Financial's 10-Q filed Nov 6, 2026 (on EDGAR).
Questions
How does HBT Financial make money?
HBT Financial (HBT) made $84.6M of revenue in the third quarter 2026 (Q3 2026), +41% from a year earlier. Net interest income brought in $70.3M (83%); Noninterest income brought in $14.2M (17%). Of every dollar of revenue, 50¢ was left as operating profit, 37¢ was left as net earnings.
What is HBT Financial's biggest business?
Net interest income: $70.3M in the third quarter 2026, 83% of revenue, +41% from a year earlier.
What is HBT Financial's profit margin?
Net earnings were $31.4M, 37.1% of revenue, in the third quarter 2026; the operating margin was 50.2%.
Updated Nov 8, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.