HBT Financial (HBT)
NASDAQ:HBT
HBT Stock Chart & Stats
$28.24
-$0.07(-0.33%)
At close: 4:00 PM EST
$28.24
-$0.07(-0.33%)
Day’s Range― - ―
52-Week Range$20.46 - $29.88
Previous CloseN/A
Volume2.28K
Average Volume (3M)76.94K
Market Cap
$1.04B
Enterprise Value$928.42M
Total Cash (Recent Filing)$837.52M
Total Debt (Recent Filing)$65.21M
Price to Earnings (P/E)10.6
Beta0.90
Next Earnings
Apr 27, 2026EPS Estimate
0.62Next Dividend Ex-DateN/A
Dividend Yield3.21%
Share Statistics
EPS (TTM)0.64
Shares Outstanding36,931,923
10 Day Avg. Volume51,858
30 Day Avg. Volume76,942
Financial Highlights & Ratios
PEG Ratio1.41
Price to Book (P/B)1.32
Price to Sales (P/S)2.77
P/FCF Ratio11.13
Enterprise Value/Market Cap0.89
Enterprise Value/Revenue3.17
Enterprise Value/Gross Profit3.96
Enterprise Value/Ebitda8.47
Forecast
1Y Price Target
$30.00Price Target Upside6.23% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)2.86
Revenue Forecast (FY)$314.22M
Bulls Say, Bears Say
Bulls Say
Stronger CapitalizationA materially lower debt-to-equity ratio and stronger capitalization reduce balance-sheet risk and increase financial flexibility. This supports lending capacity, acquisition funding and dividend policy durability, while making the bank better positioned to absorb credit or rate-cycle shocks over the next several quarters.
Sustained ProfitabilityConsistent revenue growth combined with high net and operating margins indicates a resilient community-banking franchise with recurring interest and fee income. Durable profitability supports internal capital generation, dividend capacity and reinvestment for branch/digital initiatives across 2–6 months and beyond.
Strategic Franchise ExpansionThe CNB acquisition materially expands HBT's Midwestern footprint and lending/deposit scale, improving regional market position and cross-sell opportunities. Integration of CNB leadership onto the board aims to preserve community relationships, offering structural revenue and deposit diversification going forward.
Bears Say
Free Cash Flow VolatilityA sharp decline in free cash flow in 2025 undermines the reliability of internally generated funding for dividends, buybacks and organic investments. Even with good cash conversion historically, volatile FCF increases reliance on external funding and constrains capital allocation flexibility over the medium term.
Acquisition Integration CostsAcquisition-related expense increases and integration work can pressure operating margins and require execution to realize cost synergies. Customer conversion, systems migration and retention risks can take multiple quarters to resolve and may temporarily dampen returns on the recent CNB deal.
Long-Dated Subordinated FundingIssuing long-dated subordinated notes strengthens regulatory capital but creates ongoing fixed interest obligations and potential higher funding costs when the coupon resets. The instrument raises structural funding commitments and interest expense exposure, slightly reducing earnings flexibility in varied rate scenarios.
HBT Financial News
HBT FAQ
What was HBT Financial’s price range in the past 12 months?
HBT Financial lowest stock price was $20.46 and its highest was $29.88 in the past 12 months.
What is HBT Financial’s market cap?
HBT Financial’s market cap is $1.04B.
When is HBT Financial’s upcoming earnings report date?
HBT Financial’s upcoming earnings report date is Apr 27, 2026 which is in 18 days.
How were HBT Financial’s earnings last quarter?
HBT Financial released its earnings results on Jan 26, 2026. The company reported $0.64 earnings per share for the quarter, beating the consensus estimate of $0.639 by $0.001.
Is HBT Financial overvalued?
According to Wall Street analysts HBT Financial’s price is currently Undervalued.
Does HBT Financial pay dividends?
HBT Financial pays a Quarterly dividend of $0.21 which represents an annual dividend yield of 3.21%. See more information on HBT Financial dividends here
What is HBT Financial’s EPS estimate?
HBT Financial’s EPS estimate is 0.62.
How many shares outstanding does HBT Financial have?
HBT Financial has 36,931,923 shares outstanding.
What happened to HBT Financial’s price movement after its last earnings report?
HBT Financial reported an EPS of $0.64 in its last earnings report, beating expectations of $0.639. Following the earnings report the stock price went down -2.939%.
Which hedge fund is a major shareholder of HBT Financial?
Currently, no hedge funds are holding shares in HBT
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
HBT Financial Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$30.00 (6.23% Upside)
$30.00 (6.23% Upside)
Blogger Sentiment
Bullish
HBT Sentiment 100%
Sector Average 66%
Sector Average 66%
Hedge Fund Trend
Decreased
By 17.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $547.3K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.8%
Last 30 Days ▼ 3.0%
Last 30 Days ▼ 3.0%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
34.29%
12-Months-Change
Fundamentals
Return on Equity
13.05%
Trailing 12-Months
Asset Growth
0.76%
Trailing 12-Months
Company Description
HBT Financial
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, farmland sales, and crop insurance services; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. It operates through 57 branch locations in Central and Northeastern Illinois and four locations in Eastern Iowa. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.
HBT Stock 12 Month Forecast
Average Price Target
$30.00
▲(6.23% Upside)
Technical Analysis
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Ownership Overview
51.32% Insiders
5.37% Mutual Funds
3.53% Other Institutional Investors
35.03% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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