HBT Financial (HBT) reported $67.33 million in revenue for the quarter ended March 2026, representing a year-over-year increase of 16.1%. EPS of $0.68 for the same period compares to $0.61 a year ago.
The reported revenue represents a surprise of +0.72% over the Zacks Consensus Estimate of $66.85 million. With the consensus EPS estimate being $0.62, the EPS surprise was +9.68%.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
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): 4.3% compared to the 4.2% average estimate based on three analysts. Average Balances - Interest-earning assets: $5.44 billion versus the three-analyst average estimate of $5.4 billion. Net charge-offs to average loans: 0.1% compared to the 0.1% average estimate based on three analysts. Efficiency Ratio: 76.6% versus the three-analyst average estimate of 54.7%. Total noninterest income: $10.94 million compared to the $10.92 million average estimate based on three analysts. Card income: $2.75 million versus the three-analyst average estimate of $2.72 million. Net interest income (FTE): $57.04 million versus the three-analyst average estimate of $56.13 million. Service charges on deposit accounts: $2.16 million versus the three-analyst average estimate of $2.15 million. Wealth management fees: $3.76 million versus the three-analyst average estimate of $3.2 million. Other noninterest income: $0.85 million versus the two-analyst average estimate of $1.23 million. Mortgage servicing: $0.98 million versus the two-analyst average estimate of $1.04 million.View all Key Company Metrics for HBT Financial here>>>
Shares of HBT Financial have returned +6.2% over the past month versus the Zacks S&P 500 composite's +9.3% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Radical New Technology Could Hand Investors Huge Gains
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HBT Financial, Inc. (HBT): Free Stock Analysis Report
This article originally published on Zacks Investment Research (zacks.com).