NASDAQ$HBT

Hbt Financial Inc/De · Q4 2019 earnings

Q4 2019 earnings · · Investor relations

Briefing

Reported net income for Q4 2019.

HBT Financial, Inc. reported a net income of $16.1 million, or $0.61 diluted earnings per share, for the fourth quarter of 2019.

  • Net income of $16.1 million.
  • Return on average assets (ROAA) of 1.97%.
  • Return on average stockholders' equity (ROAE) of 19.39%.
  • Initial public offering priced on October 10, 2019.

Headline financials

Total Revenue

$42.6M

Previous: $40.3M+5.8%
EPS (adj)

$0.55

Previous: $0.67-17.9%
ROAA

2.0%

No prior period
ROAE

19.4%

No prior period
Net Interest Margin

4.1%

No prior period
Efficiency Ratio

50.7%

No prior period
Net Income

$16.1M

Previous: $11.9M+35.0%
Operating Income

$20.5M

No prior period
Cash & Equivalents

$284M

Previous: $187M+52.0%
Total Assets

$3.25B

Previous: $3.25B-0.1%

Revenue & EPS history

Hbt Financial · Revenue · Quarterly

$42.6M

Q4 2019+5.8%vs Q4 2018
Beat estimate in 8 of 10 quarters(80%)
ActualEstimate

Revenue by segment

Hbt Financial · $2.28B total across 8 segments · Q3 2020

  • CRE - Non Owner Occupied
    $532M
  • Commercial & Industrial
    $389M
  • 1-4 Family Residential
    $308M
  • Construction & Land Dev
    $266M
  • Agricultural & Farmland
    $236M
  • CRE - Owner Occupied
    $225M
  • Multi-Family
    $199M
  • Municipal, Consumer & Other
    $123M

Forward guidance

The Company expects the cumulative decrease of 75 basis points in the target federal funds rate in 2019 to continue placing downward pressure on its net interest margin in 2020. Based on loan trends experienced in 2019 and a healthy loan pipeline, the Company expects low-single digit loan growth in 2020.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2019

Historical avgQ4 2019

-0.1%

Avg return

Earnings day

-0.6%

Avg return

5 days after

+1.5%

Avg return

30 days after

50%

16 / 32 earnings

Positive

+6.1%

Q2 2024

Best reaction

-5.9%

Q2 2019

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.8%-0.4%+1.7%
Q4 2025-2.5%-2.1%+1.1%
Q3 2025+3.8%+6.0%-2.7%
Q2 2025-1.2%-2.0%-0.4%
Q1 2025+1.5%+6.4%+9.7%
Q4 2024+1.7%+9.7%+11.6%
Q3 2024-3.6%-6.5%+3.7%
Q2 2024+6.1%+5.1%-7.0%
Q1 2024+2.3%+2.0%+5.9%
Q4 2023-1.6%+0.4%-5.6%
Q3 2023+1.4%+0.3%+8.5%
Q2 2023-1.2%-1.0%-6.9%
Q1 2023-2.9%-1.6%+1.3%
Q4 2022+5.5%-9.2%-16.0%
Q3 2022+3.1%+10.9%+10.2%
Q2 2022+2.5%+7.9%+6.4%
Q1 2022-1.7%-4.6%-6.3%
Q4 2021+2.7%+4.9%+7.3%
Q3 2021+0.1%+1.7%+7.4%
Q2 2021-1.8%-4.0%-6.3%
Q1 2021+3.3%+4.8%+2.1%
Q4 2020+0.3%-1.5%+8.5%
Q3 2020-1.5%-4.4%+8.8%
Q2 2020+1.6%-1.7%-0.7%
Q1 2019-4.5%-0.8%+19.6%
Q1 2020-3.4%-6.2%+7.4%
Q4 2018-5.9%-13.7%-5.0%
Q4 2017-5.9%-13.7%-5.0%
Q2 2019-5.9%-13.7%-5.0%
Q4 2019+1.6%+2.1%-18.7%
Q3 2018-1.0%+0.0%+3.2%
Q3 2019+4.3%+4.7%+8.5%
Q2 2018
Q1 2018

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