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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 - $33.10
Previous CloseN/A
Volume2.28K
Average Volume (3M)198.19K
Market Cap
$1.17B
Enterprise Value$1.06B
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. Volume133,029
30 Day Avg. Volume198,188
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 Cap0.90
Enterprise Value/Revenue3.47
Enterprise Value/Gross Profit4.30
Enterprise Value/Ebitda10.60
Forecast
1Y Price Target
$33.50Price Target Upside16.44% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.95
Revenue Forecast (FY)$312.65M
Bulls Say, Bears Say
Bulls Say
Acquisition-driven Market ExpansionThe CNB acquisition materially increases scale and deposit funding and boosts the loan book across central Illinois, Chicago and St. Louis MSAs. This structural expansion enhances franchise density, diversifies revenue sources, and supports durable organic growth and cross-sell potential over coming quarters.
Meaningful Equity Expansion And CapitalizationA stronger equity base provides regulatory cushion and underwriting capacity, enabling continued lending and M&A activity with lower solvency risk. Robust capital supports dividends and loss absorption, improving long-term stability and strategic optionality despite a recent uptick in debt that warrants monitoring.
Consistent Revenue Growth And Operating EfficiencySustained revenue growth together with solid operating efficiency indicates durable earnings power. Even as margins normalize from elevated prior years, consistent top-line expansion and efficient operations underpin cash generation and the capacity to fund dividends, lending and reinvestment over the medium term.
Bears Say
Higher Leverage From Tier 2 Subordinated NotesIssuing $85M of subordinated Tier 2 notes increases contractual interest obligations and TTM debt versus 2025. While it bolsters regulatory capital, the added leverage raises fixed costs and reduces financial flexibility, creating a longer-term funding cost burden to be absorbed by net interest margin and earnings.
Weakened Operating And Free Cash FlowDeclining operating and free cash flow erodes internal funding for loan growth, dividends and contingencies. Although still cash-generative, the downward trend weakens confidence in near-term consistency and elevates reliance on external funding or capital actions if the decline persists over sequential quarters.
Normalized Profitability And Softer Returns On EquityMargins and TTM net income have compressed from unusually high prior years, reducing ROE momentum. Softer returns limit internal capital accumulation and constrain ability to accelerate growth or increase shareholder distributions without improving margins or cutting costs, creating medium-term execution risk.
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 $33.09 in the past 12 months.
What is Hbt Financial, Inc.’s market cap?
Hbt Financial, Inc.’s market cap is $1.17B.
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 14 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
Neutral
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$33.50 (16.44% Upside)
$33.50 (16.44% Upside)
Blogger Sentiment
Bullish
HBT Sentiment 70%
Sector Average 67%
Sector Average 67%
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
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
25.99%
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
$33.50
▲(16.44% 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
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Ownership Overview
51.60% Insiders
5.47% Mutual Funds
0.13% Other Institutional Investors
36.90% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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