HBT - HBT Financial, Inc.

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	16.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+168%)	—	6.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	3.8% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-36%)	10.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+82%)	—	-2.3% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-138%)	-3.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-161%)	-3.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-160%)	—	26.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+344%)	37.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+516%)	29.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+389%)	—	16.7% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+178%)	11.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+93%)	5.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-15%)	—	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-92%)	4.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-32%)	11.2% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+87%)	—	-4.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-174%)	-10.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-274%)	-14.4% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-339%)	—	-0.7% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-112%)	—	—	—	—	—	—	—	—
EPS Growth YoY (%)	-43.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-6.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	7.0% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	25.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	10.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-6.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-1.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	60.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	28.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	14.8% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	18.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-36.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.2% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	8.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-2.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-14.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-0.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	31.6% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	85.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	139.1% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-9.8% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-60.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-66.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-77.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-23.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	-1.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	-41.3% Weak ↓ Weak Declining Year-over-year change in net income	-6.6% Weak ↓ Weak Declining Year-over-year change in net income	8.7% Fair ↓ Fair Declining Year-over-year change in net income	6.4% Fair ↓ Fair Declining Year-over-year change in net income	25.0% Excellent ↑ Excellent Improving Year-over-year change in net income	9.9% Fair ↓ Fair Declining Year-over-year change in net income	-7.8% Weak ↓ Weak Declining Year-over-year change in net income	-2.2% Weak ↓ Weak Declining Year-over-year change in net income	65.7% Excellent ↑ Excellent Improving Year-over-year change in net income	40.4% Excellent ↑ Excellent Improving Year-over-year change in net income	26.2% Excellent ↑ Excellent Improving Year-over-year change in net income	31.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-32.3% Weak ↓ Weak Declining Year-over-year change in net income	-3.3% Weak ↓ Weak Declining Year-over-year change in net income	13.9% Fair ↑ Fair Improving Year-over-year change in net income	2.7% Caution ↓ Caution Declining Year-over-year change in net income	-10.8% Weak ↓ Weak Declining Year-over-year change in net income	7.5% Fair ↓ Fair Declining Year-over-year change in net income	29.8% Excellent ↓ Excellent Declining Year-over-year change in net income	84.9% Excellent ↑ Excellent Improving Year-over-year change in net income	145.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-21.4% Weak ↑ Weak Improving Year-over-year change in net income	-39.4% Weak ↓ Weak Declining Year-over-year change in net income	-49.2% Weak ↓ Weak Declining Year-over-year change in net income	-66.8% Weak ↓ Weak Declining Year-over-year change in net income	35.0% Excellent Excellent Year-over-year change in net income	-0.9% Weak Weak Year-over-year change in net income	—	—	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	—	9.5% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	11.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	11.4% Good ↓ Good Declining Compound annual revenue growth over 3 years	—	13.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	13.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	9.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	—	14.1% Good ↓ Good Declining Compound annual revenue growth over 3 years	16.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.8% Good ↑ Good Improving Compound annual revenue growth over 3 years	—	3.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.3% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	0.0% Weak Weak Compound annual revenue growth over 3 years	—	-1.6% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	11.0% Good ↑ Good Improving Compound annual revenue growth over 5 years	—	9.0% Good ↓ Good Declining Compound annual revenue growth over 5 years	9.7% Good ↑ Good Improving Compound annual revenue growth over 5 years	10.1% Good ↑ Good Improving Compound annual revenue growth over 5 years	—	6.7% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.5% Fair Fair Compound annual revenue growth over 5 years	—	7.1% Fair Fair Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	4.3% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.1% Good ↑ Good Improving Compound annual EPS growth over 3 years	5.3% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	7.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.5% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	11.6% Good ↑ Good Improving Compound annual EPS growth over 3 years	5.1% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	4.5% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-4.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	8.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	17.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	29.0% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	9.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-4.1% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-17.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-15.4% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-23.3% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-11.8% Weak Weak Compound annual EPS growth over 3 years	-20.1% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	22.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	—	44.7% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	44.8% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	44.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	—	43.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	44.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	39.2% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+57%)	—	46.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	42.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+70%)	22.4% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	—	46.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+86%)	44.1% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	43.8% Excellent ↓ Excellent Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	—	47.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+90%)	48.0% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+92%)	—	—	36.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	25.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.0% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.4% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.4% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.2% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	26.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	16.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	—	33.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+50%)	32.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	32.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	—	32.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	31.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	29.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	—	34.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	31.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+43%)	17.0% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	—	34.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	32.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+49%)	32.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+47%)	—	35.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	35.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+62%)	38.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	—	27.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+23%)	20.1% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-9%)	17.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	—	42.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+95%)	35.4% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+61%)	44.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+103%)	—	42.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+95%)	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	0.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.2% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.3% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-73%)	3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	3.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	3.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	3.4% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	3.5% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-74%)	3.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	4.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-83%)	3.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	3.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	3.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	3.6% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-70%)	3.7% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	4.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	3.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	3.0% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-75%)	2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-82%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	4.8% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-60%)	5.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-58%)	4.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	5.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	3.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-71%)	5.3% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-56%)	—	—	—	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Revenue per Share (USD)	$2.03	—	$1.90	$1.87	$1.84	—	$1.79	$1.79	$1.65	—	$1.81	$1.84	$1.75	—	$1.58	$1.49	$1.45	—	$1.43	$1.41	$1.46	—	$1.42	$1.35	$1.31	—	$2.26	$2.29	$2.33	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$0.34	$0.60	$0.63	$0.61	$0.60	$0.64	$0.58	$0.57	$0.48	$0.58	$0.62	$0.58	$0.30	$0.45	$0.54	$0.49	$0.47	$0.46	$0.50	$0.50	$0.55	$0.46	$0.38	$0.27	$0.23	$0.51	$0.97	$0.81	$1.04	$0.67	$0.98	—	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.23	$0.21	$0.21	$0.21	$0.21	$0.19	$0.19	$0.19	$0.19	—	$0.17	$0.17	$0.17	—	$0.16	$0.16	$0.16	—	$0.15	$0.15	$0.15	—	$0.15	$0.15	$0.15	—	$0.52	$0.54	$1.99	—	$0.51	—	—	—	—
Book Value per Share (USD)	$20.54	$19.58	$19.05	$18.44	$17.86	$17.26	$17.04	$16.14	$15.71	—	$14.36	$14.15	$14.02	—	$12.49	$12.97	$13.23	—	$13.86	$13.64	$13.05	—	$12.94	$12.67	$12.38	—	$19.36	$18.85	$18.23	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$18.25	$17.68	$17.14	$16.54	$15.97	$15.36	$15.14	$14.25	$13.82	—	$12.48	$12.27	$12.16	—	$11.47	$11.95	$12.21	—	$12.99	$13.64	$12.19	—	$12.94	$11.81	$11.52	—	$19.36	$18.85	$18.23	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	33.18M	—	31.48M	31.51M	31.58M	—	31.56M	31.58M	31.66M	—	31.83M	31.98M	30.98M	—	28.79M	28.89M	28.99M	—	27.34M	27.36M	27.43M	—	27.46M	27.46M	27.46M	—	18.03M	18.03M	18.03M	—	—	—	—	—	—
Dividend Payout Ratio (%)	67.6% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	35.0% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	33.3% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	34.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	35.0% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	29.7% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$747.40M	$615.50M	$599.13M	$580.90M	$565.06M	$544.61M	$537.66M	$509.47M	$496.68M	$489.50M	$456.25M	$450.85M	$450.10M	$373.63M	$359.07M	$373.81M	$383.15M	$411.88M	$378.82M	$373.19M	$357.41M	$363.92M	$355.29M	$347.84M	$339.81M	$332.92M	$348.94M	$339.87M	$328.59M	$340.40M	$329.86M	$325.03M	$323.92M	$323.92M	$326.25M

📋 What is driving earnings? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	$67.33M	—	$59.84M	$58.80M	$58.01M	—	$56.44M	$56.64M	$52.31M	—	$57.77M	$58.79M	$54.27M	—	$45.62M	$42.92M	$41.97M	—	$39.11M	$38.47M	$39.94M	—	$38.92M	$36.97M	$35.91M	—	$40.72M	$41.28M	$41.94M	—	$41.01M	—	—	—	—
Net Income, GAAP (USD)	$11.20M	$18.94M	$19.77M	$19.23M	$19.07M	$20.27M	$18.18M	$18.07M	$15.26M	$18.45M	$19.71M	$18.47M	$9.21M	$13.14M	$15.63M	$14.09M	$13.60M	$13.59M	$13.71M	$13.72M	$15.24M	$12.64M	$10.56M	$7.42M	$6.22M	$16.09M	$17.44M	$14.61M	$18.74M	$11.92M	$17.59M	—	—	—	—
Operating Cash Flow (USD)	$28.52M	$23.90M	$17.17M	$13.55M	$30.44M	$17.28M	—	—	$26.77M	$12.98M	—	—	$21.49M	$23.48M	—	—	$21.31M	$16.33M	—	$17.14M	$6.47M	$36.33M	$7.54M	—	$12.52M	$31.79M	$18.35M	$19.27M	$19.68M	$23.62M	—	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Dec 31, 2017 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q4 FY2016 Dec 31, 2016 10-K ↗
Net Interest Margin (approx.) (%)	3.3%	4.0%	4.0%	4.0%	3.8%	3.8%	3.8%	3.8%	3.7%	—	3.9%	3.9%	3.7%	—	3.5%	3.3%	2.9%	—	3.1%	—	3.0%	—	—	3.3%	3.8%	—	—	—	—	—	—	—	—	—	—
Efficiency Ratio (%) (%)	77.9%	—	54.3%	54.3%	55.0%	—	55.5%	53.9%	59.8%	—	53.1%	57.8%	66.2%	—	52.6%	55.5%	57.6%	—	56.7%	57.6%	56.4%	—	57.8%	63.6%	64.9%	—	54.8%	59.5%	53.0%	—	53.5%	—	—	—	—

HBT Financial, Inc.

Analytical Summary

35-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

Compare HBT with peers