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Side-by-side financial comparison of HBT Financial, Inc. (HBT) and LAKELAND FINANCIAL CORP (LKFN). Click either name above to swap in a different company.
LAKELAND FINANCIAL CORP is the larger business by last-quarter revenue ($69.7M vs $67.3M, roughly 1.0× HBT Financial, Inc.). LAKELAND FINANCIAL CORP runs the higher net margin — 38.0% vs 16.6%, a 21.4% gap on every dollar of revenue. Over the past eight quarters, HBT Financial, Inc.'s revenue compounded faster (9.0% CAGR vs 0.7%).
HBT Financial, Inc. is a U.S.-headquartered regional bank holding company based in Illinois. It offers a full range of retail and commercial banking services including deposit accounts, consumer and business loan products, wealth management advisory, and mortgage services, primarily serving local community residents and small to mid-sized enterprise clients in its operating areas.
Amscot Financial is an American financial services company headquartered in Tampa, Florida. Founded in 1989 by Ian MacKechnie, Amscot Financial provides non-bank consumer financial services through a network of retail branches located exclusively within Florida. Amscot's core services include check cashing, bill payment, prepaid access cards, payday loans, free money orders, ATMs in every branch, wire transfers, notary services, fax services, and postage. Amscot Financial operates nearly 240 ...
HBT vs LKFN — Head-to-Head
Income Statement — Q1 FY2026 vs Q1 FY2026
| Metric | | |
|---|---|---|
| Revenue | $67.3M | $69.7M |
| Net Profit | $11.2M | $26.5M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 16.6% | 38.0% |
| Revenue YoY | — | — |
| Net Profit YoY | -41.3% | 31.8% |
| EPS (diluted) | $0.34 | $1.04 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q1 26 | $67.3M | $69.7M | ||
| Q4 25 | $60.4M | $69.8M | ||
| Q3 25 | $59.8M | $69.0M | ||
| Q2 25 | $58.8M | $66.4M | ||
| Q1 25 | $58.0M | $63.8M | ||
| Q4 24 | $59.0M | $63.6M | ||
| Q3 24 | $56.4M | $61.2M | ||
| Q2 24 | $56.6M | $68.7M |
| Q1 26 | $11.2M | $26.5M | ||
| Q4 25 | — | $29.9M | ||
| Q3 25 | $19.8M | $26.4M | ||
| Q2 25 | $19.2M | $27.0M | ||
| Q1 25 | $19.1M | $20.1M | ||
| Q4 24 | $20.3M | $24.2M | ||
| Q3 24 | $18.2M | $23.3M | ||
| Q2 24 | $18.1M | $22.5M |
| Q1 26 | — | — | ||
| Q4 25 | 42.9% | 52.1% | ||
| Q3 25 | 44.7% | 46.4% | ||
| Q2 25 | 44.8% | 49.6% | ||
| Q1 25 | 44.0% | 38.0% | ||
| Q4 24 | 46.4% | 46.0% | ||
| Q3 24 | 43.4% | 45.3% | ||
| Q2 24 | 44.1% | 39.2% |
| Q1 26 | 16.6% | 38.0% | ||
| Q4 25 | — | 42.8% | ||
| Q3 25 | 33.0% | 38.3% | ||
| Q2 25 | 32.7% | 40.6% | ||
| Q1 25 | 32.9% | 31.5% | ||
| Q4 24 | 42.8% | 38.1% | ||
| Q3 24 | 32.2% | 38.1% | ||
| Q2 24 | 31.9% | 32.8% |
| Q1 26 | $0.34 | $1.04 | ||
| Q4 25 | $0.60 | $1.16 | ||
| Q3 25 | $0.63 | $1.03 | ||
| Q2 25 | $0.61 | $1.04 | ||
| Q1 25 | $0.60 | $0.78 | ||
| Q4 24 | $0.64 | $0.94 | ||
| Q3 24 | $0.57 | $0.91 | ||
| Q2 24 | $0.57 | $0.87 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $287.7M | $85.6M |
| Total DebtLower is stronger | — | $183.6M |
| Stockholders' EquityBook value | $747.4M | $749.0M |
| Total Assets | $6.8B | $7.1B |
| Debt / EquityLower = less leverage | — | 0.25× |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $287.7M | $85.6M | ||
| Q4 25 | $122.3M | $141.3M | ||
| Q3 25 | $155.1M | $192.8M | ||
| Q2 25 | $195.7M | $310.2M | ||
| Q1 25 | $211.6M | $235.2M | ||
| Q4 24 | $137.7M | $168.2M | ||
| Q3 24 | $179.7M | $160.2M | ||
| Q2 24 | $195.2M | $121.2M |
| Q1 26 | — | $183.6M | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | $30.0M | ||
| Q2 24 | — | $55.0M |
| Q1 26 | $747.4M | $749.0M | ||
| Q4 25 | $615.5M | $762.4M | ||
| Q3 25 | $599.1M | $747.4M | ||
| Q2 25 | $580.9M | $709.9M | ||
| Q1 25 | $565.1M | $694.4M | ||
| Q4 24 | $544.6M | $683.8M | ||
| Q3 24 | $537.7M | $699.1M | ||
| Q2 24 | $509.5M | $654.5M |
| Q1 26 | $6.8B | $7.1B | ||
| Q4 25 | $5.1B | $7.0B | ||
| Q3 25 | $5.0B | $6.9B | ||
| Q2 25 | $5.0B | $7.0B | ||
| Q1 25 | $5.1B | $6.9B | ||
| Q4 24 | $5.0B | $6.7B | ||
| Q3 24 | $5.0B | $6.6B | ||
| Q2 24 | $5.0B | $6.6B |
| Q1 26 | — | 0.25× | ||
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 0.04× | ||
| Q2 24 | — | 0.08× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
HBT
| Net Interest Income | $56.4M | 84% |
| Noninterest Income | $10.9M | 16% |
LKFN
| Net Interest Income | $56.8M | 81% |
| Noninterest Income | $12.9M | 19% |
