Hbt Financial Inc (HBT) — Cash Flow Quality Index
Hbt Financial Inc (HBT) has a Cash Flow Quality Index of 1.26x as of December 2025. Operating cash flow of $23.90 Million exceeds net income of $18.94 Million, indicating high earnings quality where cash backs reported profits. Explore Hbt Financial Inc (HBT) cash flow to debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Hbt Financial Inc Cash Flow Quality Index (2016–2025)
Historical Cash Flow Quality Index for Hbt Financial Inc across 10 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Hbt Financial Inc operating cash flow efficiency.
Annual Cash Flow Quality Index for Hbt Financial Inc (2016–2025)
Year-by-year earnings quality comparison for Hbt Financial Inc.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.10x | $85.07 Million | $77.01 Million | ▼ -11.3% |
| 2024 | 1.25x | $89.37 Million | $71.78 Million | ▲ +24.5% |
| 2023 | 1.00x | $65.83 Million | $65.84 Million | ▼ -22.2% |
| 2022 | 1.29x | $72.59 Million | $56.46 Million | ▲ +67.9% |
| 2021 | 0.77x | $43.10 Million | $56.27 Million | ▼ -9.7% |
| 2020 | 0.85x | $31.25 Million | $36.84 Million | ▼ -36.3% |
| 2019 | 1.33x | $89.09 Million | $66.86 Million | ▲ +6.3% |
| 2018 | 1.25x | $79.99 Million | $63.80 Million | ▼ -2.4% |
| 2017 | 1.28x | $72.08 Million | $56.10 Million | ▲ +10.1% |
| 2016 | 1.17x | $68.30 Million | $58.55 Million | — |