HBT Financial (HBT) Net Margin (2018 - 2026)
HBT Financial (HBT) posted Net Margin of 34.42% for Q2 2026, up 1.71 percentage points from 32.71% a year earlier and up 17.78 percentage points from the prior quarter.
Powered by 
Analysis
HBT Financial (HBT) Net Margin (2018 - 2026) Analysis & Trends
For the trailing twelve months through Jun 30, 2026, Net Margin at HBT Financial was 28.96%, down 4.09 percentage points year-over-year; for FY2025, it was 32.48%, up 0.50 percentage points from FY2024.
- Annual Net Margin shows a five-year change of +8.31 percentage points (FY2020 to FY2025).
- In prior years, HBT Financial's Net Margin was 31.98% in FY2024 (+2.99 pp), 28.99% in FY2023 (-2.27 pp), 31.26% in FY2022 (-3.90 pp) and 35.16% in FY2021 (+10.99 pp).
- The Q2 2026 figure stands as the highest quarterly Net Margin since Q3 2021.
- On a year-over-year basis, Net Margin increased in five of the last eight quarters, with an average year-over-year change of -1.57 percentage points.
- The strongest year-over-year quarter for Net Margin in the past five years was Q1 2024, with a gain of 12.21 percentage points; the weakest was Q1 2026, with a drop of 16.25 percentage points.
- According to Business Quant data, Net Margin for the three prior quarters was 16.63% (Q1 2026), 31.33% (Q4 2025) and 33.03% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 909.02 Bn | 886.77 Bn | - | 29.77% |
| 2 | Banco Santander Chile | 406.67 Bn | -7,110.43 Bn | - | - |
| 3 | Bank Of America | 350.91 Bn | -2,025.20 Bn | - | 21.83% |
| 4 | Hsbc Holdings | 308.71 Bn | -2,966.46 Bn | - | 38.08% |
| 5 | Morgan Stanley | 293.66 Bn | -249.15 Bn | - | 23.36% |
| 6 | Royal Bank Of Canada | 283.56 Bn | -546.44 Bn | - | 32.48% |
| 7 | Goldman Sachs | 262.71 Bn | -3,480.74 Bn | - | 27.42% |
| 8 | Wells Fargo & Company | 257.44 Bn | 92.87 Bn | - | 26.08% |
| 9 | Mitsubishi Ufj Financial | 256.82 Bn | -75.42 Bn | 10.89 Bn | 246.71% |
| 10 | HBT Financial | 1.36 Bn | 682.67 Mn | - | 37.12% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 37.12% |
| Jun 30, 2026 | 34.42% |
| Mar 31, 2026 | 16.63% |
| Dec 31, 2025 | 31.33% |
| Sep 30, 2025 | 33.03% |
| Jun 30, 2025 | 32.71% |
| Mar 31, 2025 | 32.88% |
| Dec 31, 2024 | 34.34% |
| Sep 30, 2024 | 32.21% |
| Jun 30, 2024 | 31.90% |
| Mar 31, 2024 | 29.17% |
| Dec 31, 2023 | 32.77% |
| Sep 30, 2023 | 34.13% |
| Jun 30, 2023 | 31.42% |
| Mar 31, 2023 | 16.96% |
| Dec 31, 2022 | 26.24% |
| Sep 30, 2022 | 34.21% |
| Jun 30, 2022 | 32.81% |
| Mar 31, 2022 | 32.37% |
| Dec 31, 2021 | 32.15% |
API Access
HBT Financial Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=HBT&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "HBT", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=HBT&period=max&api_key=YOUR_API_KEY");
const data = await res.json();