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CNB Financial vs HBT Financial: CCNE and HBT compared
CNB Financial is the larger company: $87.8M of revenue in its latest quarter (Q3 2026) against $84.6M for HBT Financial (Q3 2026). HBT Financial is growing faster (+41% against +13% a year earlier). HBT Financial is more profitable, with an operating margin of 50.2% against 37.8%.
Where the money goes: CCNE and HBT
CNB Financial (CCNE) · Q3 2026
CNB Financial, Q3 2026: revenue $87.8M (+13% year over year), operating margin 37.8%, net earnings $28.1M, operating cash flow $5.2M. The chart follows the revenue to costs, profit and cash.
HBT Financial (HBT) · Q3 2026
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.
| CNB Financial (CCNE) | HBT Financial (HBT) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $87.8M | $84.6M |
| Revenue growth, Y/Y | +13% | +41% |
| Operating margin | 37.8% | 50.2% |
| Net earnings | $28.1M | $31.4M |
| Net margin | 32.0% | 37.1% |
| Operating cash flow | $5.2M | $34.5M |
| Free cash flow | $3.6M | $33.2M |
Where the revenue comes from
CNB Financial
- Net interest income: $76.3M (87%)
- Noninterest income: $11.5M (13%)
HBT Financial
- Net interest income: $70.3M (83%)
- Noninterest income: $14.2M (17%)
Questions
Which is bigger, CNB Financial or HBT Financial?
CNB Financial is the larger company: $87.8M of revenue in its latest quarter (Q3 2026) against $84.6M for HBT Financial (Q3 2026).
Is CNB Financial or HBT Financial growing faster?
HBT Financial is growing faster (+41% against +13% a year earlier).
Which is more profitable, CNB Financial or HBT Financial?
HBT Financial is more profitable, with an operating margin of 50.2% against 37.8%.
More: CNB Financial earnings · how CNB Financial makes money · HBT Financial earnings · how HBT Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 4, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.