Hbt Financial Inc (HBT) — Financial Flexibility Index
Hbt Financial Inc (HBT) has a Financial Flexibility Index of 0.01x as of December 2025. Free cash flow of $28.49 Million (operating CF $23.90 Million minus capex $4.59 Million) represents 0% of total liabilities ($4.46 Billion). Check HBT total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Hbt Financial Inc Financial Flexibility Index (2017–2025)
Historical Financial Flexibility Index trend for Hbt Financial Inc across 9 annual periods. For the full cash flow conversion analysis, see Hbt Financial Inc cash flow conversion.
Annual Financial Flexibility Index for Hbt Financial Inc (2017–2025)
Year-by-year free cash flow to debt coverage for Hbt Financial Inc. Explore Hbt Financial Inc (HBT) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $95.32 Million | $85.07 Million | $4.46 Billion | ▲ +1.2% |
| 2024 | 0.02x | $94.88 Million | $89.37 Million | $4.49 Billion | ▲ +40.5% |
| 2023 | 0.02x | $68.96 Million | $65.83 Million | $4.58 Billion | ▼ -20.0% |
| 2022 | 0.02x | $73.63 Million | $72.59 Million | $3.91 Billion | ▼ -96.7% |
| 2021 | 0.57x | $44.13 Million | $43.10 Million | $77.03 Million | ▲ +33.0% |
| 2020 | 0.43x | $33.12 Million | $31.25 Million | $76.89 Million | ▼ -82.3% |
| 2019 | 2.43x | $91.24 Million | $89.09 Million | $37.58 Million | ▲ +8549.8% |
| 2018 | 0.03x | $81.65 Million | $79.99 Million | $2.91 Billion | ▲ +13.0% |
| 2017 | 0.02x | $74.24 Million | $72.08 Million | $2.99 Billion | — |