EPS: As of FY2025 Q2, the actual value is USD 0.61, beating the estimate of USD 0.602.EBIT: As of FY2025 Q2, the actual value is USD 26.36 M.<h3>Segment Revenue</h3><ul><li>Commercial and Industrial Loans: $419,430 thousand as of June 30, 2025, compared to $428,389 thousand as of December 31, 2024.</li><li>Commercial Real Estate - Owner Occupied: $317,475 thousand as of June 30, 2025, compared to $322,316 thousand as of December 31, 2024.</li><li>Commercial Real Estate - Non-Owner Occupied: $907,073 thousand as of June 30, 2025, compared to $899,565 thousand as of December 31, 2024.</li><li>Construction and Land Development: $310,252 thousand as of June 30, 2025, compared to $374,657 thousand as of December 31, 2024.</li><li>Multi-Family: $453,812 thousand as of June 30, 2025, compared to $431,524 thousand as of December 31, 2024.</li><li>One-to-Four Family Residential: $451,197 thousand as of June 30, 2025, compared to $463,968 thousand as of December 31, 2024.</li><li>Agricultural and Farmland: $271,644 thousand as of June 30, 2025, compared to $293,375 thousand as of December 31, 2024.</li><li>Municipal, Consumer, and Other: $217,328 thousand as of June 30, 2025, compared to $252,352 thousand as of December 31, 2024.</li></ul><h3>Operational Metrics</h3><ul><li>Net Income: $19,230 thousand for the three months ended June 30, 2025, compared to $18,070 thousand for the same period in 2024.</li><li>Provision for Credit Losses: $526 thousand for the three months ended June 30, 2025, compared to $1,176 thousand for the same period in 2024.</li></ul><h3>Cash Flow</h3><ul><li>Net Cash Provided by Operating Activities: $43,993 thousand for the six months ended June 30, 2025, compared to $46,569 thousand for the same period in 2024.</li><li>Net Cash Provided by Investing Activities: $77,194 thousand for the six months ended June 30, 2025, compared to $119,174 thousand for the same period in 2024.</li><li>Net Cash Used in Financing Activities: -$63,137 thousand for the six months ended June 30, 2025, compared to -$111,755 thousand for the same period in 2024.</li></ul><h3>Unique Metrics</h3><ul><li>Allowance for Credit Losses: $41,659 thousand as of June 30, 2025, compared to $42,044 thousand as of December 31, 2024.</li></ul><h3>Future Outlook and Strategy</h3><ul><li>Core Business Focus: The company is focusing on maintaining a strong credit quality and managing the allowance for credit losses effectively. The economic forecast anticipates a mild economic slowdown, but not a recession, over the next four quarters, with the unemployment rate increasing slightly during the remainder of 2025.</li><li>Non-Core Business: No specific non-core business strategies were detailed in the report.</li></ul>

HBT Financial | 10-Q: FY2025 Q2 EPS Beats Estimate at USD 0.61