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An announcement from HBT Financial ( (HBT) ) is now available.
On January 26, 2026, HBT Financial reported fourth-quarter 2025 net income of $18.9 million, or $0.60 per diluted share, down slightly from both the prior quarter and the year-earlier period, while adjusted net income rose year over year to $20.1 million, or $0.64 per diluted share. The bank posted strong profitability metrics with an adjusted return on average assets of 1.57% and adjusted return on average tangible common equity of 14.97%, supported by loan growth of $56.2 million on an annualized 6.6% basis, stable credit quality with nonperforming assets at 0.17% of total assets and annualized net charge-offs of 0.10%, and a still-robust net interest margin of 4.12% despite modest compression. Net interest income increased both sequentially and versus the fourth quarter of 2024, driven by lower funding costs and higher interest-earning assets, while noninterest income was essentially flat quarter over quarter and lower year over year due mainly to less favorable mortgage servicing rights fair value adjustments. Operating expenses rose due to $1.0 million of acquisition-related costs and higher compensation and benefits, although underlying noninterest expense excluding acquisition items declined sequentially. The company highlighted a 16.2% year-over-year increase in tangible book value per share to $17.20 and said it is progressing with its pending acquisition of CNB Bank Shares, Inc., which is expected to close and convert systems in the first quarter of 2026 and significantly deepen HBT’s presence in the Chicago and St. Louis markets while adding new central Illinois markets.
The most recent analyst rating on (HBT) stock is a Buy with a $30.00 price target. To see the full list of analyst forecasts on HBT Financial stock, see the HBT Stock Forecast page.
Spark’s Take on HBT Stock
According to Spark, TipRanks’ AI Analyst, HBT is a Outperform.
HBT Financial’s strong financial performance and attractive valuation are key strengths, supported by positive corporate events such as a share repurchase program and a merger. However, technical indicators suggest caution due to overbought conditions, which slightly tempers the overall score.
To see Spark’s full report on HBT stock, click here.
More about HBT Financial
HBT Financial, Inc., headquartered in Bloomington, Illinois, is a bank holding company for Heartland Bank and Trust Company, providing community banking services including loans, deposits, and wealth management. The company focuses on markets across central Illinois as well as the Chicago and St. Louis metropolitan areas, and is pursuing further regional expansion through acquisitions.
Average Trading Volume: 33,969
Technical Sentiment Signal: Buy
Current Market Cap: $866.6M
For a thorough assessment of HBT stock, go to TipRanks’ Stock Analysis page.