For the quarter ended March 2025, HBT Financial (HBT) reported revenue of $58.01 million, up 10.9% over the same period last year. EPS came in at $0.61, compared to $0.57 in the year-ago quarter.

The reported revenue represents a surprise of +2.32% over the Zacks Consensus Estimate of $56.7 million. With the consensus EPS estimate being $0.57, the EPS surprise was +7.02%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how HBT Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:

• Net charge-offs to average loans: 0.1% versus 0.1% estimated by two analysts on average.
• Efficiency Ratio: 53.9% versus 55.2% estimated by two analysts on average.
• Net interest margin (FTE): 4.2% compared to the 4% average estimate based on two analysts.
• Average Balances - Interest-earning assets: $4.80 billion versus $4.81 billion estimated by two analysts on average.
• Service charges on deposit accounts: $1.94 million versus the two-analyst average estimate of $1.95 million.
• Card income: $2.55 million compared to the $2.78 million average estimate based on two analysts.
• Other noninterest income: $0.80 million versus $1.02 million estimated by two analysts on average.
• Total noninterest income: $9.31 million versus the two-analyst average estimate of $9.29 million.
• Mortgage servicing: $0.99 million versus the two-analyst average estimate of $1.03 million.
• Wealth management fees: $2.84 million versus the two-analyst average estimate of $2.85 million.
• Net interest income (FTE): $49.25 million versus the two-analyst average estimate of $47.72 million.

View all Key Company Metrics for HBT Financial here>>>

Shares of HBT Financial have returned -3.3% over the past month versus the Zacks S&P 500 composite's -5.6% change. The stock currently has a Zacks Rank #4 (Sell), indicating that it could underperform the broader market in the near term.

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This article originally published on Zacks Investment Research (zacks.com).

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