Want to see HBT full AI Analyst Report?
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 - $33.70
Previous CloseN/A
Volume2.28K
Average Volume (3M)211.16K
Market Cap
$1.20B
Enterprise Value$1.01K
Total Cash (Recent Filing)$1.06B
Total Debt (Recent Filing)$154.31M
Price to Earnings (P/E)14.8
Beta0.90
Next Earnings
Jul 27, 2026EPS Estimate
0.73Next Dividend Ex-DateN/A
Dividend Yield2.72%
Share Statistics
EPS (TTM)2.18
Shares Outstanding36,381,077
10 Day Avg. Volume143,105
30 Day Avg. Volume211,165
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Strategic Acquisition Increases ScaleThe CNB purchase materially increases HBT's franchise scale and deposit base in central Illinois and Chicago/St. Louis MSAs. Greater scale supports more efficient funding, cross-sell opportunities, and higher market density, strengthening the bank's competitive position over multiple quarters.
Solid Capitalization And Equity GrowthMeaningful equity growth and historically manageable leverage provide a durable capital buffer to absorb credit volatility and support organic growth or further acquisitions. Strong capitalization underpins dividend policy and regulatory flexibility over the medium term.
Consistent Revenue Growth And Underlying ProfitabilitySteady top-line expansion and persistent operating profitability indicate durable earnings power driven by net interest income and fee businesses. Combined with a higher net interest margin noted in Q1, this supports sustained cash generation and reinvestment capacity over coming quarters.
Bears Say
Declining Operating And Free Cash FlowA marked drop in operating and free cash flow reduces internal funding for growth, dividends, and loan loss absorption. Over 2–6 months this weakens financial flexibility and increases reliance on external capital or higher-cost funding if the trend persists, elevating execution risk.
Higher Leverage After Capital ActionsIssuing subordinated debt and the post-acquisition increase in borrowings raises interest and fixed-charge obligations. Incremental leverage reduces cushion for earnings volatility and may constrain capital allocation choices if credit or margin pressures emerge during integration.
Profitability Normalization And Margin CompressionNormalization from peak margins and a decline in TTM net income and ROE suggest earnings headwinds from competitive or rate shifts. If margins remain compressed, it limits retained earnings growth and may pressure return metrics needed to fund dividends and future acquisitions sustainably.
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 $33.70 in the past 12 months.
What is Hbt Financial, Inc.’s market cap?
Hbt Financial, Inc.’s market cap is $1.20B.
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 4 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 2.72%. 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
1
2
3
4
5
6
7
8
9
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 60%
Sector Average 60%
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 ▼ 1.5%
Last 30 Days ▼ 4.4%
Last 30 Days ▼ 4.4%
Technicals
SMA
Positive
20 days / 200 days
Momentum
28.12%
12-Months-Change
Fundamentals
Return on Equity
2.72%
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
―
Heritage Financial
―
Horizon Bancorp
―
Equity Bancshares
―
Metropolitan Bank Holding
―
Ownership Overview
51.60% Insiders
5.47% Mutual Funds
0.18% Other Institutional Investors
36.23% Public Companies and
Individual Investors