Brief: HBT Financial Q2 Adjusted EPS USD 0.63 Vs. IBES Estimate USD 0.6

HBT Financial

21/07/2025 12:05

Overview

HBT Financial Q2 adjusted EPS of $0.63 beats analyst expectations

Adjusted net income of $19.8 mln surpasses estimates

Net interest margin rose to 4.14% due to improved yields and lower costs

Outlook

HBT Financial, the holding company for Heartland Bank and Trust Co, expects loan growth to return in Q3 2025

HBT Financial prepared for varied economic and interest rate environments

Company's capital levels support acquisition opportunities

HBT Financial sees fewer loan payoffs projected in Q3 2025

Result Drivers

NET INTEREST MARGIN - Increased to 4.14% due to improved yields on debt securities and lower funding costs

LOAN PAYDOWNS - Seasonal paydowns and property sales led to a decrease in loan balances, expected to recover in Q3

ASSET QUALITY - Maintained strong asset quality with nonperforming assets at 0.13% of total assets

Key Details

Metric
Beat/Miss
Actual
Consensus Estimate
Q2 Adjusted EPS
Beat
$0.63
$0.6 (5 Analysts)
Q2 EPS
$0.61
Q2 Adjusted Net Income
Beat
$19.80 mln
$19 mln (5 Analysts)
Q2 Net Income
$19.23 mln
Q2 Net Interest Income
$49.66 mln


Analyst Coverage

The current average analyst rating on the shares is "buy" and the breakdown of recommendations is 3 "strong buy" or "buy", 2 "hold" and no "sell" or "strong sell"

The average consensus recommendation for the banks peer group is "buy"

Wall Street's median 12-month price target for HBT Financial Inc is $26.00, about 2.7% above its July 18 closing price of $25.31

The stock recently traded at 10 times the next 12-month earnings vs. a P/E of 10 three months ago

Press Release: ID:nGNXD64SB

(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)