HBT Financial (HBT) Reports Q4 Earnings: What Key Metrics Have to Say

For the quarter ended December 2024, HBT Financial (HBT) reported revenue of $59.03 million, up 4.9% over the same period last year. EPS came in at $0.62, compared to $0.60 in the year-ago quarter.The reported revenue compares to the Zacks Consensus Estimate of $57.4 million, representing a surprise of +2.84%. The company delivered an EPS surprise of +6.90%, with the consensus EPS estimate being $0.58.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% compared to the 4% average estimate based on two analysts. Average Balances - Interest-earning assets: $4.76 billion versus the two-analyst average estimate of $4.77 billion. Net charge-offs to average loans: 0.1% compared to the 0.1% average estimate based on two analysts. Efficiency Ratio: 51.2% versus 54.2% estimated by two analysts on average. Card income: $2.80 million versus the two-analyst average estimate of $2.87 million. Other noninterest income: $0.69 million compared to the $0.98 million average estimate based on two analysts. Net interest income (FTE): $47.96 million compared to the $47.91 million average estimate based on two analysts. Service charges on deposit accounts: $2.08 million versus the two-analyst average estimate of $1.98 million. Wealth management fees: $3.14 million versus the two-analyst average estimate of $2.93 million. Total noninterest income: $11.63 million versus $10.02 million estimated by two analysts on average. Mortgage servicing: $1.16 million versus $1.06 million estimated by two analysts on average. View all Key Company Metrics for HBT Financial here>>>Shares of HBT Financial have returned +0.9% over the past month versus the Zacks S&P 500 composite's +2.1% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.Zacks' Research Chief Names "Stock Most Likely to Double"Our team of experts has just released the 5 stocks with the greatest probability of gaining +100% or more in the coming months. Of those 5, Director of Research Sheraz Mian highlights the one stock set to climb highest.This top pick is among the most innovative financial firms. With a fast-growing customer base (already 50+ million) and a diverse set of cutting edge solutions, this stock is poised for big gains. Of course, all our elite picks aren’t winners but this one could far surpass earlier Zacks’ Stocks Set to Double like Nano-X Imaging which shot up +129.6% in little more than 9 months.Free: See Our Top Stock And 4 Runners UpWant the latest recommendations from Zacks Investment Research? Today, you can download 7 Best Stocks for the Next 30 Days. Click to get this free report HBT Financial, Inc. (HBT): Free Stock Analysis ReportTo read this article on Zacks.com click here.Zacks Investment ResearchWeiter zum vollständigen Artikel bei Zacks Weiter zum vollständigen Artikel bei Zacks