HBT Financial (HBT) AI Stock Analysis

• Market Cap: $768.49M
• Dividend Yield: 3.44%
• Average Volume (3M): 26.71K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 0.86
• Revenue Growth: 6.98%
• EPS Growth: 5.97%
• Country: US
• Employees: 844
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 2.38
• Shares Outstanding: 31,495,434
• 10 Day Avg. Volume: 24,191
• 30 Day Avg. Volume: 26,711
• PEG Ratio: -2.89
• Price to Book (P/B): 1.50
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 7.89
• Enterprise Value/Market Cap: 0.89
• Enterprise Value/Revenue: 0.63
• Enterprise Value/Gross Profit: 2.58
• Enterprise Value/Ebitda: 2.48
• 1Y Price Target: $25.80
• Price Target Upside: 5.91% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 5

• Rating: 78 Outperform
• Price Target: ―

HBT Financial's strong financial performance, attractive valuation, and positive corporate events contribute to a solid overall score. Despite technical indicators suggesting caution due to recent downward price trends, the company's consistent revenue growth, zero-debt position, and increased dividend support a positive outlook.

HBT Financial Business Overview & Revenue Model

Company Description

HBT Financial, Inc. is a financial holding company headquartered in Bloomington, Illinois, primarily operating through its subsidiary, Heartland Bank and Trust Company. The company offers a comprehensive range of financial services including personal banking, business banking, and wealth management. HBT Financial serves communities across central and northern Illinois, providing products such as checking and savings accounts, loans, mortgages, and investment services.

How the Company Makes Money

HBT Financial generates revenue primarily through the interest income from its lending activities, including commercial and consumer loans, as well as mortgages. Another significant revenue stream is non-interest income, which includes service charges on deposit accounts, transaction fees, and fees from wealth management and investment advisory services. The company's earnings are further supported by its strategic focus on community banking, emphasizing personalized customer service and strong local relationships. Additionally, HBT Financial benefits from its diversified portfolio of financial products and careful management of interest rate risks.

HBT Financial Financial Statement Overview

Summary

HBT Financial demonstrates strong financial health with a solid income statement, robust balance sheet, and stable cash flow. The company shows consistent revenue growth, a zero-debt position, and improving profit margins, positioning it well for future growth.

Income Statement

HBT Financial shows a strong gross profit margin and consistent revenue growth over recent years. Despite a decline in EBITDA margin due to decreased EBITDA in 2024, the net profit margin remains solid at 28.5%. The company experienced significant revenue growth of 9.35% from 2023 to 2024, indicating a positive trajectory.

Balance Sheet

The balance sheet is robust with a high equity ratio of 10.82% and a commendable return on equity of 13.18% for 2024. The company has managed to reduce its total debt to zero, improving its financial stability. However, the equity ratio shows a slight decrease from the previous year, indicating a need for careful monitoring.

Cash Flow

HBT Financial's cash flow performance is stable with a positive free cash flow. The operating cash flow to net income ratio stands at 0.39, indicating a room for improvement in cash generation efficiency. Free cash flow growth has been positive, but the lower operating cash flow suggests potential challenges in sustaining cash operations.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
266.70M	251.70M	230.17M	179.54M	158.41M	150.31M
	Gross Profit
266.68M	251.70M	230.17M	179.54M	158.41M	150.31M
	EBIT
76.25M	247.38M	88.58M	86.41M	76.56M	49.57M
	EBITDA
52.36M	0.00	94.36M	80.11M	80.69M	53.75M
	Net Income Common Stockholders
75.60M	71.78M	65.84M	56.46M	56.27M	36.84M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
731.14M	727.60M	141.25M	957.68M	1.35B	1.24B
	Total Assets
5.09B	5.03B	5.07B	4.28B	4.31B	3.67B
	Total Debt
0.00	105.63M	104.89M	237.18M	77.03M	76.89M
	Net Debt
-111.94M	-29.55M	-36.88M	123.02M	-332.73M	-235.56M
	Total Liabilities
4.53B	4.49B	4.58B	3.90B	77.03M	76.89M
	Stockholders Equity
565.06M	544.61M	489.50M	377.65M	411.88M	363.92M
Cash Flow		Free Cash Flow
55.32M	83.87M	62.70M	71.54M	42.07M	29.39M
	Operating Cash Flow
59.39M	87.03M	65.83M	72.59M	43.10M	31.25M
	Investing Cash Flow
-101.14M	32.35M	132.66M	-335.12M	-349.61M	-380.45M
	Financing Cash Flow
-37.44M	-125.28M	-171.40M	-32.57M	403.33M	377.68M

HBT Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 24.36
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For HBT, the sentiment is Positive. The current price of 24.36 is above the 20-day moving average (MA) of 23.95, above the 50-day MA of 23.10, and above the 200-day MA of 22.70, indicating a bullish trend. The MACD of 0.16 indicates Negative momentum. The RSI at 59.09 is Neutral, neither overbought nor oversold. The STOCH value of 79.66 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for HBT.

HBT Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OSBC	80 Outperform	$775.42M	9.38	12.98%	1.39%	2.27%	-6.70%
HBT	78 Outperform	$768.49M	10.23	14.24%	3.44%	6.98%	5.97%
FCBC	75 Outperform	$710.51M	14.14	10.08%	3.19%	2.49%	4.48%
NBN	71 Outperform	$683.69M	9.54	17.91%	0.05%	26.40%	24.62%
Sector *	64 Neutral	$12.85B	9.81	7.79%	78.20%	12.23%	-7.93%
CFFN	63 Neutral	$790.17M	14.73	5.09%	5.71%	6.02%	―
AMTB	49 Neutral	$757.94M	―	-1.83%	1.99%	-5.38%	-186.90%

HBT Financial Corporate Events

HBT Financial Reports Strong Q1 2025 Results

HBT Financial reported strong financial results for the first quarter of 2025, with a net income of $19.1 million and a net interest margin increase to 4.12%. Despite economic uncertainties, the company maintained solid profitability and asset quality, with nonperforming assets declining to 0.11%. The company experienced a decrease in noninterest income due to changes in mortgage servicing rights fair value, while noninterest expenses increased slightly due to higher salaries and benefits. HBT Financial’s effective tax rate decreased, and the loan portfolio remained stable with a slight increase in grain elevator lines of credit.

Spark’s Take on HBT Stock

According to Spark, TipRanks’ AI Analyst, HBT is a Outperform.

HBT Financial’s strong financial performance, low valuation, and positive corporate events support a solid overall score. The company’s consistent revenue growth, zero-debt position, and increased dividend highlight its strengths. However, technical indicators suggest caution due to recent downward price trends, balancing the overall outlook.

To see Spark’s full report on HBT stock, click here.