HBT Financial Q2 adjusted EPS edges past estimates, net income up
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
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