Want to see HBT full AI Analyst Report?
HBT Stock Chart & Stats
$33.29
$0.77(2.37%)
At close: 4:00 PM EDT
$33.29
$0.77(2.37%)
Day’s Range― - ―
52-Week Range$22.36 - $36.83
Previous CloseN/A
Volume136.61K
Average Volume (3M)204.65K
Market Cap
$1.30B
Enterprise Value$1.01K
Total Cash (Recent Filing)$1.06B
Total Debt (Recent Filing)$154.31M
Price to Earnings (P/E)15.3
Beta0.92
Next Earnings
Oct 26, 2026EPS Estimate
0.79Next Dividend Ex-DateN/A
Dividend Yield2.46%
Share Statistics
EPS (TTM)2.18
Shares Outstanding36,381,077
10 Day Avg. Volume142,265
30 Day Avg. Volume204,645
Financial Highlights & Ratios
PEG Ratio1.41
Price to Book (P/B)1.32
Price to Sales (P/S)2.77
P/FCF Ratio10.86
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$36.00Price Target Upside8.14% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.95
Revenue Forecast (FY)$312.65M
Bulls Say, Bears Say
Bulls Say
Steady Revenue Growth And Earnings PowerConsistent top-line growth and sustained profitability demonstrate durable demand across its commercial and consumer lending franchises. Over the next 2-6 months this underpins predictable net interest income and fee generation, supporting reinvestment, dividend capacity and measured organic growth.
Conservative Capitalization And Expanding EquityA stronger equity base and manageable leverage provide balance sheet resilience and capacity to absorb credit shocks or fund additional lending. Durable capital strength supports regulatory buffers, acquisition optionality and continued shareholder distributions over medium term horizons.
CNB Acquisition Increased Scale, NII And Enabled Higher DividendThe CNB merger materially expanded the franchise, lifted net interest income and produced cost synergies that are now flowing through. Greater scale and improved fee mix support more stable earnings, enhancing capacity for future organic growth and shareholder returns beyond a single quarter.
Bears Say
TTM Operating And Free Cash Flow Down MeaningfullyA pronounced downward trajectory in cash generation reduces internal funding for loans, capital expenditures, and payouts. If weaker cash conversion persists it can constrain balance sheet flexibility, slow organic growth, and make the franchise more reliant on external funding over a multi-month horizon.
TTM Debt Has Stepped Up Versus 2025Rising debt levels can increase interest expense and financial leverage, reducing margins and leaving less room for error if asset quality weakens. Higher funding reliance may erode flexibility for acquisitions or dividends and elevate refinancing risk in a higher rate backdrop.
Margins And Returns Normalized From Peak LevelsCompression of margins and lower TTM profitability versus recent peaks suggest earnings are reverting to a more moderate run rate. This reduces the margin for error on credit losses or funding costs and may limit the pace of capital accumulation and dividend growth absent further efficiency or revenue expansion.
HBT Financial News
HBT FAQ
What was Hbt Financial, Inc.’s price range in the past 12 months?
Hbt Financial, Inc. lowest stock price was $22.36 and its highest was $36.83 in the past 12 months.
What is Hbt Financial, Inc.’s market cap?
Hbt Financial, Inc.’s market cap is $1.30B.
When is Hbt Financial, Inc.’s upcoming earnings report date?
Hbt Financial, Inc.’s upcoming earnings report date is Oct 26, 2026 which is in 84 days.
How were Hbt Financial, Inc.’s earnings last quarter?
Hbt Financial, Inc. released its earnings results on Jul 27, 2026. The company reported $0.78 earnings per share for the quarter, beating the consensus estimate of $0.734 by $0.046.
Is Hbt Financial, Inc. overvalued?
According to Wall Street analysts Hbt Financial, Inc.’s price is currently Undervalued.
Does Hbt Financial, Inc. pay dividends?
Hbt Financial, Inc. pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 2.46%. See more information on Hbt Financial, Inc. dividends here
What is Hbt Financial, Inc.’s EPS estimate?
Hbt Financial, Inc.’s EPS estimate is 0.79.
How many shares outstanding does Hbt Financial, Inc. have?
Hbt Financial, Inc. has 36,381,077 shares outstanding.
What happened to Hbt Financial, Inc.’s price movement after its last earnings report?
Hbt Financial, Inc. reported an EPS of $0.78 in its last earnings report, beating expectations of $0.734. Following the earnings report the stock price went up 3.905%.
Which hedge fund is a major shareholder of Hbt Financial, Inc.?
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$36.00 (8.14% Upside)
$36.00 (8.14% Upside)
Blogger Sentiment
Bullish
HBT Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 6.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $455.4K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▲ 2.9%
Last 30 Days ▲ 0.4%
Last 30 Days ▲ 0.4%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
35.19%
12-Months-Change
Fundamentals
Return on Equity
2.46%
Trailing 12-Months
Asset Growth
34.06%
Trailing 12-Months
Company Description
Hbt Financial, Inc.
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company, offering a comprehensive suite of financial products and services. They cater to a diverse client base, including individuals, businesses, and municipal entities, providing retail, commercial, and business banking solutions. Their deposit offerings encompass a variety of options, such as non-interest and interest-bearing demand accounts, money market accounts, savings accounts, certificates of deposit (CDs), health savings accounts (HSAs), and individual retirement accounts (IRAs). The company's extensive lending portfolio spans commercial real estate (both owner-occupied and investment properties), construction and land development, multi-family housing, commercial and industrial (C&I) loans, agricultural and farmland financing, and one-to-four family residential mortgages, as well as municipal and consumer loans. Beyond traditional banking, HBT Financial also provides robust wealth management services. These include financial planning for consumers, trusts, and estates; trustee and custodial responsibilities; investment management; corporate retirement plan consulting and administration; and retail brokerage. Further extending its offerings, the company provides specialized services like farmland management, sales, and crop insurance, in addition to treasury management solutions. It also originates residential mortgage loans and subsequently sells them. Modern digital banking solutions are readily available, encompassing online and mobile banking platforms, various digital payment services, and personal financial management tools. The company maintains an extensive branch network, with 57 locations situated across Central and Northeastern Illinois, complemented by four branches in Eastern Iowa. Established in 1920, HBT Financial, Inc. was originally known as Heartland Bancorp, Inc., before adopting its current name in September 2019. The company's headquarters are located in Bloomington, Illinois.
HBT Stock 12 Month Forecast
Average Price Target
$36.00
▲(8.14% Upside)
Technical Analysis
Central Pacific Financial
―
Heritage Financial
―
Horizon Bancorp
―
Equity Bancshares
―
Metropolitan Bank Holding
―
Ownership Overview
51.60% Insiders
5.47% Mutual Funds
0.44% Other Institutional Investors
36.08% Public Companies and
Individual Investors