---
title: "HBT Financial | 10-Q: FY2025 Q2 EPS Beats Estimate at USD 0.61"
type: "news"
locale: "en"
url: "https://longbridge.com/en/news/251248289.md"
published_at: "2025-08-01T20:16:39.000Z"
---

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

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.

### Segment Revenue

-   **Commercial and Industrial Loans**: $419,430 thousand as of June 30, 2025, compared to $428,389 thousand as of December 31, 2024.
-   **Commercial Real Estate - Owner Occupied**: $317,475 thousand as of June 30, 2025, compared to $322,316 thousand as of December 31, 2024.
-   **Commercial Real Estate - Non-Owner Occupied**: $907,073 thousand as of June 30, 2025, compared to $899,565 thousand as of December 31, 2024.
-   **Construction and Land Development**: $310,252 thousand as of June 30, 2025, compared to $374,657 thousand as of December 31, 2024.
-   **Multi-Family**: $453,812 thousand as of June 30, 2025, compared to $431,524 thousand as of December 31, 2024.
-   **One-to-Four Family Residential**: $451,197 thousand as of June 30, 2025, compared to $463,968 thousand as of December 31, 2024.
-   **Agricultural and Farmland**: $271,644 thousand as of June 30, 2025, compared to $293,375 thousand as of December 31, 2024.
-   **Municipal, Consumer, and Other**: $217,328 thousand as of June 30, 2025, compared to $252,352 thousand as of December 31, 2024.

### Operational Metrics

-   **Net Income**: $19,230 thousand for the three months ended June 30, 2025, compared to $18,070 thousand for the same period in 2024.
-   **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.

### Cash Flow

-   **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.
-   **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.
-   **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.

### Unique Metrics

-   **Allowance for Credit Losses**: $41,659 thousand as of June 30, 2025, compared to $42,044 thousand as of December 31, 2024.

### Future Outlook and Strategy

-   **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.
-   **Non-Core Business**: No specific non-core business strategies were detailed in the report.

### Related Stocks

- [HBT.US - HBT Financial](https://longbridge.com/en/quote/HBT.US.md)

## Related News & Research

| Title | Description | URL |
|-------|-------------|-----|
| Short Interest in Schneider Electric SE (OTCMKTS:SBGSY) Drops By 16.8% | Schneider Electric SE (OTCMKTS:SBGSY) experienced a 16.8% decrease in short interest in January, with 197,858 shares sho | [Link](https://longbridge.com/en/news/276071356.md) |
| What to Expect from Palo Alto Networks's Earnings | Palo Alto Networks (NASDAQ:PANW) is set to release its quarterly earnings report on February 17, 2026, with analysts exp | [Link](https://longbridge.com/en/news/276061399.md) |
| 03:00 ETSéptima edición del Concurso S.Pellegrino Young Chef Academy | S.Pellegrino has announced the launch of the seventh edition of the S.Pellegrino Young Chef Academy Competition, aimed a | [Link](https://longbridge.com/en/news/276041621.md) |
| Have Insiders Sold Barrick Mining Shares Recently? | Barrick Mining Corporation's Senior EVP & CFO, Graham Shuttleworth, recently sold CA$6.4m worth of shares, reducing his  | [Link](https://longbridge.com/en/news/276053765.md) |
| Aberdeen Group plc Sells 93,557 Shares of Williams Companies, Inc. (The) $WMB | Aberdeen Group plc reduced its stake in Williams Companies, Inc. by 5.2%, selling 93,557 shares in Q3, leaving it with 1 | [Link](https://longbridge.com/en/news/276042383.md) |

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.