HBT Financial Inc

NAS:HBTFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$36.12+2.58%LiveIn session · ≈ AED 132.65 · Market cap $1.31B · Next earnings Mon 26 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	89.2%	101.4%	96.5%	82.7%	76.9%	80.0%	—	—
Operating margin	31.6%	46.6%	40.8%	33.6%	34.1%	35.6%	35.6%	+0.0 pts
Net margin	23.5%	34.3%	30.2%	25.0%	25.2%	26.3%	26.3%	+0.0 pts
EBITDA margin	34.3%	49.1%	42.9%	35.8%	36.2%	37.4%	—	—
Return on equity	10.1%	13.7%	15.1%	13.5%	13.2%	12.5%	12.5%	+0.0 pts
Return on assets	1.0%	1.3%	1.3%	1.3%	1.4%	1.5%	1.5%	+0.0 pts
Return on capital employed	10.1%	14.9%	11.6%	14.1%	14.2%	5.1%	—	—
Debt / equity	0.3×	0.3×	0.8×	0.3×	0.2×	0.1×	0.1×	+0.0%
Debt / assets	3.3%	3.2%	6.5%	2.9%	2.7%	1.3%	—	—
Interest coverage	7.7×	13.2×	10.6×	2.3×	1.5×	1.8×	—	—
Current ratio	0.4×	0.4×	0.3×	0.2×	0.0×	0.3×	0.3×	+0.0%
Quick ratio	0.4×	0.4×	0.3×	0.2×	0.0×	0.3×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.1×	0.1×	—	—
Receivables turnover	11.0×	11.0×	9.6×	10.7×	11.5×	12.3×	—	—
Dividend payout	44.8%	29.8%	32.9%	33.2%	33.7%	34.6%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.