HBT Financial (HBT) Interest Coverage Ratio (2018 - 2026)
HBT Financial (HBT) posted Interest Coverage Ratio of 2.93 for Q2 2026, up 48.66% on a QoQ basis from 1.97 in Q1 2026, and up 3.03% year-over-year from 2.85 in Q2 2025.
Analysis
HBT Financial (HBT) Interest Coverage Ratio (2018 - 2026) Analysis & Trends
HBT Financial has reported Interest Coverage Ratio for 9 years, with the latest figure at 2.93 in Q2 2026.
- On a quarterly basis, Interest Coverage Ratio rose 3.03% year-over-year to 2.93 in Q2 2026; TTM through Jun 2026 was 2.67, a 1.72% decrease from a year earlier, with the FY2025 full-year figure at 2.84, up 11.28% from the prior year.
- Interest Coverage Ratio was 2.93 for Q2 2026 at HBT Financial, up from 1.97 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 14.68 in Q2 2022, with the low at 3.94 in Q2 2023.
- Average Interest Coverage Ratio over 5 years is 4.58, with a median of 2.86 recorded in 2025.
- The sharpest annual moves came in 2023 and 2024: Interest Coverage Ratio tumbled 126.81% in 2023, then jumped 165.54% in 2024.
- Over 5 years, Interest Coverage Ratio stood at 7.37 in 2022, then slumped by 62.96% to 2.73 in 2023, then grew by 1.8% to 2.78 in 2024, then increased by 3.31% to 2.87 in 2025, then climbed by 2.2% to 2.93 in 2026.
- The last three Interest Coverage Ratio figures came in at 2.93 (Q2 2026), 1.97 (Q1 2026), and 2.87 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 948.96 Bn | 948.96 Bn | - | 0.09 |
| 2 | Truist Financial | 61.64 Bn | 61.64 Bn | - | 1.77 |
| 3 | Fifth Third Bancorp | 49.62 Bn | 25.89 Bn | - | 1.90 |
| 4 | M&T Bank | 34.88 Bn | 34.88 Bn | - | 2.28 |
| 5 | Huntington Bancshares | 33.82 Bn | 29.29 Bn | - | 1.67 |
| 6 | Citizens Financial | 29.46 Bn | 29.46 Bn | - | 1.83 |
| 7 | Regions Financial | 25.57 Bn | 25.57 Bn | - | 2.52 |
| 8 | First Citizens Bancshares | 25.00 Bn | 24.48 Bn | 29.00 Mn | -1.27 |
| 9 | Keycorp | 23.27 Bn | -24.42 Bn | - | 1.80 |
| 10 | HBT Financial | 1.32 Bn | 1.19 Bn | - | 2.93 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 2.93 |
| Mar 31, 2026 | 1.97 |
| Dec 31, 2025 | 2.87 |
| Sep 30, 2025 | 2.86 |
| Jun 30, 2025 | 2.85 |
| Mar 31, 2025 | 2.77 |
| Dec 31, 2024 | 2.78 |
| Sep 30, 2024 | 2.50 |
| Jun 30, 2024 | 2.58 |
| Mar 31, 2024 | 2.34 |
| Dec 31, 2023 | 2.73 |
| Sep 30, 2023 | 3.47 |
| Jun 30, 2023 | -3.94 |
| Mar 31, 2023 | 3.45 |
| Dec 31, 2022 | 7.37 |
| Sep 30, 2022 | 14.08 |
| Jun 30, 2022 | 14.68 |
| Mar 31, 2022 | 14.08 |
| Dec 31, 2021 | 13.48 |
| Sep 30, 2021 | 14.29 |