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 cash efficiency ratio of Hbt Financial Inc to assess how effectively this company generates cash.
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. Check Hbt Financial Inc (HBT) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Hbt Financial Inc (2016–2025)
Year-by-year earnings quality comparison for Hbt Financial Inc. For live market cap and the full company financial profile, see Hbt Financial Inc market cap and net worth.
| 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 | — |