HBT Financial (HBT) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates

HBT Financial (HBT) reported $80.9 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 37.6%. EPS of $0.78 for the same period compares to $0.63 a year ago.

The reported revenue compares to the Zacks Consensus Estimate of $80.7 million, representing a surprise of +0.24%. The company delivered an EPS surprise of +5.41%, with the consensus EPS estimate being $0.74.

While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how HBT Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net interest margin (FTE): 4.4% versus 4.2% estimated by two analysts on average.
• Average Balances - Interest-earning assets: $6.41 billion compared to the $6.5 billion average estimate based on two analysts.
• Net charge-offs to average loans: -0% versus 0.1% estimated by two analysts on average.
• Efficiency Ratio: 50.7% compared to the 51.8% average estimate based on two analysts.
• Card income: $3.43 million versus the two-analyst average estimate of $2.91 million.
• Other noninterest income: $0.94 million versus $1.15 million estimated by two analysts on average.
• Net interest income (FTE): $69.91 million versus $68.58 million estimated by two analysts on average.
• Service charges on deposit accounts: $2.49 million versus $2.82 million estimated by two analysts on average.
• Wealth management fees: $3.92 million versus $4 million estimated by two analysts on average.
• Total noninterest income: $11.84 million compared to the $12.13 million average estimate based on two analysts.
• Mortgage servicing: $1.14 million versus the two-analyst average estimate of $1 million.

View all Key Company Metrics for HBT Financial here>>>

Shares of HBT Financial have returned +4.9% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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