HBT FINANCIAL INC/DE
HBTNASDAQTrading Snapshot
- Day Range
- $35.75 – $36.45
- 52-Week Range
- $22.36 – $36.83
- Volume
- $5.47B
- Avg Volume
- $7.01B
- Shares Outstanding
- 36.4M
- Next Earnings
- Sep 2, 2026
Fundamentals Snapshot
- Annual Revenue
- $293M
- Last Q Revenue
- $100M
- P/E Ratio
- 16.8
- P/S Ratio
- 2.8x
- EPS (TTM)
- $2.33
- Dividend Yield
- 2.08%
Why Investors Own HBT
- ✓High-growth profile — revenue up -7.3% YoY with expanding US Equity exposure.
- ✓Healthy economics — 60% gross margin and 18% free-cash-flow margin.
- ✓New products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
Financial Trends
About HBT FINANCIAL INC/DE
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.
Otter Score Breakdown
ⓘAnalyst Price Target
ⓘLatest News & Updates
HBT FINANCIAL INC/DE tops quarterly estimates as demand accelerates
Revenue grew double digits with management guiding above consensus; margins continued to expand.
Analysts lift HBT price targets on improving margins
Several firms raised targets, citing stronger free cash flow and a healthier backlog.
HBT FINANCIAL INC/DE announces new agreement to expand its footprint
The move broadens the company’s reach and could add incremental revenue over the next year.