HBT logo

HBT FINANCIAL INC/DE

HBTNASDAQ
πŸ† #2190 by market capEarnings Jan 25US Equity
$36.40β–Ό $0.35 (βˆ’0.95%)
Market closed Β· at close
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24hβ–Ό 0.9%
7dβ–² 0.5%
14dβ–² 2.8%
30dβ–² 2.0%
ytdβ–² 40.6%
1yβ–² 48.5%
🏦Market Cap
$1.32B
Small Cap
πŸ“ˆRevenue Growth (YoY)
49.2%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
15.9%
Healthy
βš–οΈP/S Ratio
2.8x
Cheap
Otter Score
β€”
Insufficient data

Trading Snapshot

Day Range
$36.09 – $37.29
52-Week Range
$22.37 – $37.71
Volume (shares)
127,238
Avg Volume (shares)
β€”
Shares Outstanding
36.4M
Next Earnings
2027-01-25

Fundamentals Snapshot

Annual Revenue
$293M
Last Q Revenue
$105M
P/E Ratio
17.0
P/S Ratio
2.8x
EPS (TTM)
$2.33
Dividend Yield
2.19%
Dilution (1yr)
βˆ’0.5%
HBT logo

HBT FINANCIAL INC/DE

HBT
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$293Mβ–² +2.8% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
80.0%β–² +4.1% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$105Mβ–² +7.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$75Mβ–Ό βˆ’10.8% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
31.4Mβ–Ό βˆ’0.5% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$41Mβ–Ό βˆ’$44M YoY
StockOtter Β· stockotter.space

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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)

Insufficient data for all five components.

πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Insufficient data
β€”/100

Analyst Ratings

β“˜
Consensus
Buy
9 analysts
Strong Buy1
Buy5
Hold3
Sell0
Strong Sell0
Ratings as of Oct 2026

Latest News & Updates

Seeking AlphaΒ·2d ago

HBT Financial: A Best In Breed Community Bank With A Fair Valuation

HBT Financial has rallied ~50% over the past year, driven by strong quarterly results and effective acquisition-led growth. HBT maintains robust credit metrics, stable low-cost deposits, and a conservative balance sheet,

Zacks Investment ResearchΒ·2d ago

HBT Financial (HBT) Reports Q3 Earnings: What Key Metrics Have to Say

The headline numbers for HBT Financial (HBT) give insight into how the company performed in the quarter ended September 2026, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the y

Zacks Investment ResearchΒ·2d ago

HBT Financial (HBT) Tops Q3 Earnings and Revenue Estimates

HBT Financial (HBT) came out with quarterly earnings of $0.86 per share, beating the Zacks Consensus Estimate of $0.78 per share. This compares to earnings of $0.65 per share a year ago.

GlobeNewsWireΒ·3d ago

HBT Financial, Inc. Announces Third Quarter 2026 Financial Results

Third Quarter Highlights Net income of $31.4 million, or $0.86Β per diluted share; return on average assets (β€œROAA”) of 1.85%; return on average stockholders' equity (β€œROAE”) of 16.17%; and return on average tangible comm

Zacks Investment ResearchΒ·9d ago

Why HBT Financial (HBT) is a Great Dividend Stock Right Now

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does HBT Financial (HBT) have what it takes?

Zacks Investment ResearchΒ·26d ago

Why HBT Financial (HBT) is a Top Dividend Stock for Your Portfolio

Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does HBT Financial (HBT) have what it takes?