NASDAQ$HBT

Hbt Financial Inc/De · Q4 2020 earnings

Q4 2020 earnings · · Investor relations

Briefing

Reported net income for the fourth quarter of 2020.

HBT Financial, Inc. reported a net income of $12.6 million, or $0.46 diluted earnings per share, for the fourth quarter of 2020. The company's performance reflects a strong foundation built upon a stable deposit base, conservative underwriting, and diverse sources of non-interest income.

  • Net income of $12.6 million, or $0.46 per diluted share.
  • Return on average assets (ROAA) of 1.38%.
  • Return on average stockholders' equity (ROAE) of 14.00%.
  • Adjusted net income of $12.4 million, or $0.45 per diluted share.

Headline financials

Total Revenue

$40.3M

Previous: $42.6M-5.5%
EPS (adj)

$0.45

Previous: $0.55-18.2%
ROAA

1.4%

Previous: 2.0%-29.9%
ROAE

14.0%

Previous: 19.4%-27.8%
Net Interest Margin

3.3%

Previous: 4.1%-19.7%
Efficiency Ratio

55.5%

Previous: 50.7%+9.5%
Net Income

$12.6M

Previous: $16.1M-21.4%
Operating Income

$17.2M

Previous: $20.5M-16.4%
Cash & Equivalents

$312M

Previous: $284M+10.0%
Total Assets

$3.67B

Previous: $3.25B+13.0%
Stock-Based Comp

$88K

No prior period

Revenue & EPS history

Hbt Financial · Revenue · Quarterly

$40.3M

Q4 2020-5.5%vs Q4 2019
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

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 2020

Historical avgQ4 2020

-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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