HBT Financial (HBT)
NASDAQ:HBT
Want to see HBT full AI Analyst Report?
HBT Stock Chart & Stats
$28.77
-$0.07(-0.33%)
At close: 4:00 PM EST
$28.77
-$0.07(-0.33%)
Day’s Range― - ―
52-Week Range$22.36 - $29.88
Previous CloseN/A
Volume2.28K
Average Volume (3M)80.25K
Market Cap
$1.01B
Enterprise Value$996.40M
Total Cash (Recent Filing)$837.52M
Total Debt (Recent Filing)$65.21M
Price to Earnings (P/E)19.8
Beta0.89
Next Earnings
Jul 27, 2026EPS Estimate
0.73Next Dividend Ex-DateN/A
Dividend Yield3.21%
Share Statistics
EPS (TTM)0.68
Shares Outstanding36,399,303
10 Day Avg. Volume76,573
30 Day Avg. Volume80,245
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 Cap0.99
Enterprise Value/Revenue3.40
Enterprise Value/Gross Profit4.24
Enterprise Value/Ebitda9.09
Forecast
1Y Price Target
$31.67Price Target Upside10.07% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)2.86
Revenue Forecast (FY)$314.07M
Bulls Say, Bears Say
Bulls Say
Strengthened, Conservative LeverageA sharply lower debt-to-equity ratio indicates materially stronger capitalization and lower financial risk. This improves regulatory flexibility, reduces interest and rollover risk, and gives HBT durable capacity to absorb losses, fund organic growth, and pursue acquisitions without immediate equity issuance.
Acquisition Expands Scale And FranchiseThe CNB deal meaningfully increases HBT’s assets, loans and deposit base, enlarging market density in key Midwest MSAs. Greater scale and a larger deposit franchise should lower funding costs per dollar, enable cross-sell, and improve long-term competitive position once integration captures synergies.
Consistent Profitability And Healthy MarginsSustained revenue growth and robust operating and net margins demonstrate durable earnings power in HBT’s community-banking model. Strong margin structure supports internal capital generation, dividend policy and reinvestment capacity, helping resilience across credit and rate cycles.
Bears Say
Volatile Free Cash Flow; Sharp 2025 DeclineMaterial FCF volatility and a sharp negative swing in 2025 weaken the quality of earnings and limit internally funded investments or buybacks. Persistent cash-flow inconsistency raises reliance on external funding and constrains flexibility to absorb shocks or sustain elevated dividends long term.
Acquisition Goodwill And Integration CostsSignificant goodwill and acquisition charges increase intangible assets and near-term expense volatility. Realizing projected synergies is execution-dependent; failure to integrate operations, retain customers, or achieve cost saves could erode returns and reduce the strategic benefits of scale.
Moderation In Returns On EquityA drop from prior peak ROE signals normalization of returns as the bank de-levers and absorbs growth costs. While prudential, lower ROE can restrain long-term earnings uplift per share and may pressure long-run shareholder returns unless efficiency or revenue initiatives restore higher profitability.
HBT Financial News
HBT FAQ
What was HBT Financial’s price range in the past 12 months?
HBT Financial lowest stock price was $22.36 and its highest was $29.88 in the past 12 months.
What is HBT Financial’s market cap?
HBT Financial’s market cap is $1.01B.
When is HBT Financial’s upcoming earnings report date?
HBT Financial’s upcoming earnings report date is Jul 27, 2026 which is in 88 days.
How were HBT Financial’s earnings last quarter?
HBT Financial released its earnings results on Apr 27, 2026. The company reported $0.68 earnings per share for the quarter, beating the consensus estimate of $0.62 by $0.06.
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 0.73.
How many shares outstanding does HBT Financial have?
HBT Financial has 36,399,303 shares outstanding.
What happened to HBT Financial’s price movement after its last earnings report?
HBT Financial reported an EPS of $0.68 in its last earnings report, beating expectations of $0.62. Following the earnings report the stock price went down -1.314%.
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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$31.67 (10.07% Upside)
$31.67 (10.07% 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 $547.3K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▼ 1.0%
Last 30 Days ▲ 4.7%
Last 30 Days ▲ 4.7%
Technicals
SMA
Positive
20 days / 200 days
Momentum
35.35%
12-Months-Change
Fundamentals
Return on Equity
10.87%
Trailing 12-Months
Asset Growth
33.02%
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
$31.67
▲(10.07% Upside)
Technical Analysis
Central Pacific Financial
―
Heritage Financial
―
Horizon Bancorp
―
Equity Bancshares
―
Metropolitan Bank Holding
―
Ownership Overview
51.32% Insiders
5.42% Mutual Funds
0.28% Other Institutional Investors
38.29% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---