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HBT Financial (HBT)
NASDAQ:HBT
HBT Stock Chart & Stats
$27.69
-$0.07(-0.33%)
At close: 4:00 PM EST
$27.69
-$0.07(-0.33%)
Day’s Range― - ―
52-Week Range$19.46 - $29.88
Previous CloseN/A
Volume2.28K
Average Volume (3M)35.33K
Market Cap
$859.66M
Enterprise Value$911.14M
Total Cash (Recent Filing)$837.52M
Total Debt (Recent Filing)$65.21M
Price to Earnings (P/E)10.7
Beta0.91
Next Earnings
Apr 27, 2026EPS Estimate
0.62Next Dividend Ex-DateN/A
Dividend Yield3.21%
Share Statistics
EPS (TTM)0.64
Shares Outstanding31,431,925
10 Day Avg. Volume46,377
30 Day Avg. Volume35,325
Financial Highlights & Ratios
PEG Ratio1.41
Price to Book (P/B)1.32
Price to Sales (P/S)2.77
P/FCF Ratio0.00
Enterprise Value/Market Cap1.06
Enterprise Value/Revenue3.11
Enterprise Value/Gross Profit3.88
Enterprise Value/Ebitda8.31
Forecast
1Y Price Target
$29.75Price Target Upside7.44% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)2.75
Revenue Forecast (FY)$300.39M
Bulls Say, Bears Say
Bulls Say
Revenue & ProfitabilitySustained high revenue growth and industry-leading margins indicate strong core banking momentum and effective cost control. These fundamentals support reinvestment, dividend capacity and balance-sheet buildout, making earnings power relatively durable across economic cycles.
Conservative Leverage And ROEVery low leverage and a mid-teens ROE provide financial resilience and capital efficiency. Conservative funding reduces solvency and interest rate risks, enabling steady capital returns and strategic flexibility even if credit or rate conditions deteriorate.
Capital Returns And Strategic M&AActive shareholder-return policy plus a strategic acquisition that expands Chicago/St. Louis footprints signal management confidence and a growth plan. If executed well, M&A and buybacks can compound returns and strengthen market position over the medium term.
Bears Say
Free Cash Flow WeaknessFalling free cash flow growth and weak operating cash conversion raise concerns about sustainable internal funding for lending growth, dividends and buybacks. Over months, weaker cash generation can force trade-offs between growth investments and shareholder returns.
Volatile Noninterest IncomeDependence on mortgage servicing valuations and other noninterest fees makes fee revenue cyclical and sensitive to mortgage markets and accounting swings. This increases earnings volatility and complicates multi-quarter planning for margins and capital deployment.
Acquisition Integration And Cost RiskThe pending CNB Bank acquisition brings geographic scale but also near-term integration costs, system conversions and execution risk. Poor integration could raise expense ratios, disrupt customer retention, or delay projected revenue synergies over the medium term.
HBT Financial News
HBT FAQ
What was HBT Financial’s price range in the past 12 months?
HBT Financial lowest stock price was $19.46 and its highest was $29.88 in the past 12 months.
What is HBT Financial’s market cap?
HBT Financial’s market cap is $859.66M.
When is HBT Financial’s upcoming earnings report date?
HBT Financial’s upcoming earnings report date is Apr 27, 2026 which is in 52 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 31,431,925 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
1
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5
6
7
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9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$29.75 (7.44% Upside)
$29.75 (7.44% Upside)
Blogger Sentiment
Bullish
HBT Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 17.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $122.1K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
24.84%
12-Months-Change
Fundamentals
Return on Equity
13.78%
Trailing 12-Months
Asset Growth
0.89%
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
$29.75
▲(7.44% Upside)
Technical Analysis
Central Pacific Financial
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Heritage Financial
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Horizon Bancorp
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Equity Bancshares
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Metropolitan Bank Holding
―
Ownership Overview
58.73% Insiders
6.26% Mutual Funds
4.14% Other Institutional Investors
25.43% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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