HBT Financial (9ND) Stock Price & Analysis
9ND Stock Chart & Stats
- Day’s Range
- EUR 33.60 - EUR 33.60
- 52-Week Range
- EUR 18.30 - EUR 33.60
- Previous Close
- EUR 33.20
- Volume
- N/A
- Average Volume (3M)
- 3
- Market Cap
- EUR 1.21B
- Enterprise Value
- EUR 1.41B
- Total Cash (Recent Filing)
- EUR 1.62B
- Total Debt (Recent Filing)
- EUR 149.21M
- Price to Earnings (P/E)
- 14.4
- Beta
- 0.48
- Next Earnings
- Jan 27, 2027 (Est.)
- EPS Estimate
- 0.74
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.59%
Bulls Say, Bears Say
Bulls Say
Profitable Revenue Growth
Sustained revenue expansion alongside strong net and operating margins indicates substantial earnings power in the core banking franchise. This profitability can support reinvestment, capital returns, and resilience over the next several quarters while preserving capacity to pursue growth.
Strong Asset Quality And Capital
Very low nonperforming assets indicate strong current credit performance, while the common equity tier 1 ratio provides a meaningful capital buffer. Together, these measures support balance-sheet resilience and the ability to continue lending through ordinary credit-cycle changes.
Strategic Franchise Expansion
The proposed Tri-County combination would add scale, deposits, loans, and market presence across targeted Midwestern regions. Broader franchise density can strengthen relationship banking and create a larger platform for recurring interest and fee income after completion.
Bears Say
Sharp Cash-flow Deterioration
The steep decline in operating and free cash flow weakens cash conversion and reduces near-term capital flexibility despite continued reported profitability. If sustained, lower internally generated cash could constrain lending growth, shareholder distributions, or other balance-sheet priorities.
Recent Debt Increase
The sharp increase in total debt raises sensitivity to funding costs and weakens financial flexibility relative to the prior year. Although leverage remains described as manageable, additional borrowing could make it harder to absorb weaker credit conditions or changing deposit economics.
Moderating Profitability Margins
Margin moderation suggests that the company’s earnings strength is not entirely insulated from changing rates, funding costs, or credit conditions. Continued pressure could reduce the benefit of revenue growth and make future profitability less robust than recent headline results imply.
HBT Financial News
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HBT Financial Stock Smart Score
Company Description
HBT Financial
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- J. Lance Carter
- Employees
- 826
- Website
- ir.hbtfinancial.com
- Address
- 401 North Hershey Road, Bloomington, IL, 61704, US
HBT Financial (9ND) Earnings & Revenues
9ND Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 2 | 4 |
| Technical Analysis | 3 | 2 | 4 |
| Moving Averages | 12 | 0 | 0 |
