Hbt Financial, Inc. (HBT)
NASDAQ:HBT
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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 - $30.85
Previous CloseN/A
Volume2.28K
Average Volume (3M)98.27K
Market Cap
$1.11B
Enterprise Value$1.02B
Total Cash (Recent Filing)$1.06B
Total Debt (Recent Filing)$154.31M
Price to Earnings (P/E)14.7
Beta0.88
Next Earnings
Jul 27, 2026EPS Estimate
0.73Next Dividend Ex-DateN/A
Dividend Yield3.21%
Share Statistics
EPS (TTM)2.18
Shares Outstanding36,381,077
10 Day Avg. Volume127,687
30 Day Avg. Volume98,266
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 Cap0.91
Enterprise Value/Revenue3.34
Enterprise Value/Gross Profit4.15
Enterprise Value/Ebitda10.22
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)$312.15M
Bulls Say, Bears Say
Bulls Say
Acquisition-driven ScaleThe CNB acquisition materially expands HBT’s Midwest footprint, deposit base and loan book, creating durable scale. Larger deposits reduce funding pressure, increase cross-sell opportunities, and deepen market penetration in Chicago/St. Louis MSAs, supporting longer-term revenue and franchise value once integrations realize synergies.
Enhanced Regulatory CapitalIssuing $85M of Tier 2 subordinated notes strengthens regulatory capital buffers and provides prudent long-dated funding. That durable capital improves the bank’s ability to support organic growth, absorb credit or rate-cycle shocks, and pursue strategic transactions without immediate equity issuance, increasing strategic flexibility over years.
Steady Revenue And Earnings PowerConsistent revenue growth and solid operating efficiency signal durable core earnings power. Stable profit levels and improving tangible book value enable reinvestment, dividend support and acquisition funding, underpinning long-term ability to generate shareholder returns despite occasional quarter-to-quarter volatility.
Bears Say
Weakened Cash GenerationA sustained decline in operating and free cash flow reduces internal funding for growth, dividends, or buybacks and raises reliance on external financing. If the downward cash-flow trajectory persists, it can constrain strategic flexibility, heighten sensitivity to rate or credit stress, and pressure liquidity planning over months to years.
Higher Leverage TrajectoryThe recent uptick in debt, including long-dated subordinated notes, raises interest expense exposure and modestly increases leverage versus prior years. Higher leverage can limit balance-sheet flexibility, elevate funding costs in tightening markets, and require closer oversight of capital metrics during integration and credit cycles.
Normalized Margins And Lower Recent ProfitabilityProfitability has normalized from elevated pandemic-era margins and TTM net income trails 2025, indicating margin pressure. Persistently compressed margins reduce cushion for credit losses or investment, lower return-on-equity potential, and may constrain long-term dividend growth if revenue or cost trends do not improve.
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 $30.85 in the past 12 months.
What is Hbt Financial, Inc.’s market cap?
Hbt Financial, Inc.’s market cap is $1.11B.
When is Hbt Financial, Inc.’s upcoming earnings report date?
Hbt Financial, Inc.’s upcoming earnings report date is Jul 27, 2026 which is in 41 days.
How were Hbt Financial, Inc.’s earnings last quarter?
Hbt Financial, Inc. 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, 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 $0.23 which represents an annual dividend yield of 3.21%. See more information on Hbt Financial, Inc. dividends here
What is Hbt Financial, Inc.’s EPS estimate?
Hbt Financial, Inc.’s EPS estimate is 0.73.
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 $0.68 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, 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
Underperform
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$31.67 (10.07% Upside)
$31.67 (10.07% Upside)
Blogger Sentiment
Bullish
HBT Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 6.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $880.7K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Negative
Last 7 Days ▼ 0.9%
Last 30 Days ▼ 4.0%
Last 30 Days ▼ 4.0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
31.02%
12-Months-Change
Fundamentals
Return on Equity
10.87%
Trailing 12-Months
Asset Growth
33.02%
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
$31.67
▲(10.07% Upside)
Technical Analysis
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Metropolitan Bank Holding
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Ownership Overview
51.60% Insiders
5.46% Mutual Funds
4.28% Other Institutional Investors
33.47% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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