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HBT Financial, Inc.

HBT Financial Banks Regional

HBT Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $294.0 million, up 2.33% from fiscal 2024.

Revenue
+37.5%
EPS
+26.2%
Free cash flow
+36.9%
Total debt
+49.8%

Quarter to June 2026, against a year earlier

37.04 0.08 −0.22%
Market cap
$1.4B
P/E
15.9×
Fwd P/E
13.1×
Dividend yield
1.91%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.10
Sold, $m 1.11
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 1 — — — — — — — —
Sell — — 2 2 1 — — — — — — —
Insider Ownership 53.29%

Capital & Financial Ratios $m

Size
Market Cap 1,350.00
Revenue ttm 331.68
Net income ttm 77.75
Free cash flow ttm 75.89
Net debt Q 16.83
Valuation
P/E 15.90
Forward P/E 13.10
Price / sales 4.08
Forward P/S Powerpack
Price / FCF 17.83
Price / book 1.77
Financial health
Current ratio Q 0.84
Debt / equity Q 0.20
Interest coverage Q —
Growth
Revenue growth Q +37.46% (above 0%: growing)
Operating income growth Q +43.32% (above 0%: growing)
EPS, this year +24.91% (at or above 15%: strong)
EPS, next year A +13.31%
Revenue, next year A +8.31%
EPS, past 5 yrs +12.73%
EPS, next 5 yrs A +14.55%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 99.77%
10-year low 10-year high
P/S against its own 10 years 99.77%
10-year low 10-year high
P/B against its own 10 years 99.66%
10-year low 10-year high

Dividends raised 4 years running

Yield
1.91%
Annual rate
0.71
Payout ratio
30.5%
Growth, 2020–25
+6.96%/yr
  1. 0.60 ’20
  2. 0.60 ’21 +0
  3. 0.64 ’22 +7
  4. 0.68 ’23 +6
  5. 0.76 ’24 +12
  6. 0.84 ’25 +11
  7. 0.95 ’26e +13
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 142 138 122 132
Receivables — — — —
Inventory — — — —
Other — — — —
3,533 3,588 3,562 4,863
2023 2024 2025 Q'26
Payables 4,401 4,318 4,359 5,758
ST’ Debt — — — —
Other — — — —
4,444 4,347 4,359 5,758

Compound Annual Growth %

10y 5y 3y
Sales — 13.15% 16.12%
Cash Flow — 22.17% 5.43%
Earnings — 15.94% 10.95%
Book Value — 11.08% 18.10%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.78 Actual 0.86

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.64 0.64 Met by 0.00
Q1 FY26 0.62 0.68 Beat by 0.06
Q2 FY26 0.74 0.78 Beat by 0.04
Q3 FY26 0.78 0.86 Beat by 0.08
Q4 FY26 0.83 — Reports 25 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.34 0.76 — — —
’25 0.60 0.61 0.63 0.60 2.44
’24 0.48 0.57 0.57 0.64 2.26
’23 0.30 0.58 0.62 0.58 2.07
’22 0.47 0.49 0.54 0.46 2.09
’21 0.55 0.50 0.50 0.47 2.02
’20 0.23 0.27 0.38 0.46 1.34
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 83 100 — — —
’25 72 73 74 74 294
’24 68 72 73 74 287
’23 59 67 69 71 265
’22 43 44 47 53 188
’21 41 40 41 44 166
’20 38 38 40 42 159
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 29 17 — — —
’25 30 14 17 24 85
’24 27 20 26 17 89
’23 21 15 17 13 66
’22 21 10 18 23 73
’21 6 17 3 16 43
’20 13 (25) 8 36 31
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 26 16 — — —
’25 29 11 15 19 75
’24 25 18 25 16 84
’23 21 14 16 12 63
’22 22 10 18 23 73
’21 6 17 3 16 42
’20 12 (26) 7 36 29
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 163 161 169 176 159 166 188 265 287 294 332 +6.8% 318 398 424 +13.0%
Gross margin, % 0.00 95.90 95.26 94.37 95.92 96.48 96.18 85.69 78.12 80.65 80.95 +80.7 pt
EBT 60 57 65 72 50 77 76 89 97 105 105 +6.4%
EBT margin, % 36.55 35.44 38.34 40.86 31.27 46.25 40.58 33.42 33.90 35.55 31.80 (1.0) pt
Net income 59 56 64 67 37 56 56 66 72 77 78 +3.1%
Per share, $
Per share, $ Revenue 5.91 8.90 9.35 8.78 5.77 5.96 6.51 8.38 9.09 9.33 9.12 +5.2%
Earnings 2.12 3.10 3.54 3.43 1.34 2.02 2.09 2.08 2.27 2.44 2.34 +1.6%
Cash flow 2.24 3.99 4.43 4.43 1.14 1.55 2.52 2.08 2.83 2.70 2.39 +2.1%
Capex 0.00 (0.11) 0.03 (0.04) (0.07) (0.04) 0.01 (0.08) (0.17) (0.31) (0.30) n/m
Free cash flow 2.24 3.88 4.47 4.39 1.07 1.51 2.53 2.00 2.65 2.39 2.09 +0.7%
Book value 0.00 0.00 18.86 16.57 13.25 14.82 12.95 15.48 17.24 19.54 21.02 n/m
Shares, m 28 18 18 20 27 28 29 32 32 32 33 +1.5%
Valuation, ×
Valuation, × P/E 4.09 4.09 4.09 5.54 11.31 9.27 9.87 10.27 9.65 10.59 15.90 7.9
P/S 1.60 1.60 1.60 2.16 2.62 3.14 2.97 2.55 2.41 2.77 4.08 2.3
P/B 0.80 0.80 0.80 1.15 1.14 1.26 1.49 1.38 1.27 1.32 1.77 1.1
EV/Sales 0.93 0.93 0.93 0.76 1.14 1.13 3.62 2.41 2.30 2.58 — 1.7
EV/FCF 2.03 2.03 2.03 1.53 6.14 4.47 9.33 10.09 7.87 10.07 — 5.6
Cash, $m
Cash, $m Operating cash flow 62 72 80 89 31 43 73 66 89 85 87 +3.6%
Capex (1) (2) 1 (1) (2) (1) 0 (3) (6) (10) (11) +25.1%
Free cash flow 62 70 81 88 29 42 73 63 84 75 76 +2.2%
Balance, $m
Balance, $m Working capital — — (513) (377) (620) (894) (901) (911) (759) (797) (895) +6.5%
Net debt — 37 (150) (247) (236) (333) 123 (37) (32) (57) 17 n/m
Shareholders’ equity — — 340 333 364 412 374 489 545 615 765 +8.8%
Returns, %
Returns, % ROA 0.00 3.45 3.93 2.06 1.06 1.41 1.31 1.41 1.42 1.52 1.32 +1.5 pt
ROIC — 96.24 21.18 52.24 24.14 60.45 9.59 12.23 11.87 11.70 8.43 (84.5) pt
ROE 0.00 16.89 19.21 19.86 10.55 14.48 14.36 15.25 13.88 13.28 11.56 +13.3 pt
People
People Employees — — — 747 747 728 711 844 844 826 — +1.7%
Revenue/emp, $m 0.00 0.00 0.00 0.24 0.21 0.23 0.26 0.31 0.34 0.36 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

HBT Financial, Inc. vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
TMP Tompkins Financial Corporation $1.4B 7.9× 12.6× +0.61% (above 0%: growing) +21.08% (above 0%: growing) +4.04% (above 0%: growing) 73.43% 0.00% Compare
BHRB Burke & Herbert Financial Services Corp. $1.4B 11.2× 11.4× +20.93% (above 0%: growing) −74.75% (below 0%: shrinking) +49.60% (above 0%: growing) 70.87% 0.00% Compare
PEBO Peoples Bancorp Inc. $1.4B 11.3× 11.8× −1.59% (below 0%: shrinking) +11.61% (above 0%: growing) +270.28% (above 0%: growing) 77.52% 0.00% Compare
WABC Westamerica Bancorporation $1.4B 12.9× 12.8× +0.43% (above 0%: growing) +8.93% (above 0%: growing) −33.14% (below 0%: shrinking) 94.65% 0.00% Compare
HBT HBT Financial, Inc. $1.4B 15.9× 13.1× +37.46% (above 0%: growing) +26.23% (above 0%: growing) +36.90% (above 0%: growing) 80.56% 0.00%
FMBH First Mid Bancshares, Inc. $1.4B 12.6× 11.2× +22.84% (above 0%: growing) +7.14% (above 0%: growing) +290.93% (above 0%: growing) 75.49% 0.00% Compare
CTBI Community Trust Bancorp, Inc. $1.3B 11.6× 11.2× +6.97% (above 0%: growing) +18.84% (above 0%: growing) +217.37% (above 0%: growing) 72.12% 0.00% Compare
OSBC Old Second Bancorp, Inc. $1.2B 11.3× 11.3× −1.73% (below 0%: shrinking) +200.00% (above 0%: growing) +282.25% (above 0%: growing) 84.33% 0.00% Compare
PFBC Preferred Bank $1.2B 9.4× 9.8× −3.71% (below 0%: shrinking) −4.14% (below 0%: shrinking) −33.29% (below 0%: shrinking) 57.05% 0.00% Compare
Median of peers $1.4B 11.3× 11.4× +0.52% +10.27% +133.49% 74.46% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 8 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.29m 1.49m 158.91
2024 1.22m 1.34m 130.02
2022 1.17m 1.16m 108.06

Ownership

Directors and executive officers, together 51.90%
Fred L. Drake 47.50%
Heartland Bancorp, Inc. Voting Trust U/A/D 47.30%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

HBT Financial, Inc. (HBT) Latest News

28 Oct

Impact 3 · · Simply Wall St.

27 Oct

Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.
Impact 3 · · Simply Wall St.

26 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

19 Oct

Impact 3 · · Zacks

2 Oct

Impact 3 · · Zacks

11 Aug

Impact 4 · · bankingdive.com

31 Jul

Impact 3 ·

29 Jul

Impact 3 ·

27 Jul

Impact 3 ·

20 Jul

Impact 3 ·

3 May

Impact 4 · · Simply Wall St.

27 Apr

Impact 4 · · InvestorsHub
Impact 4 · · Zacks
Impact 4 · · GlobeNewswire
Impact 3 · · Zacks

7 Apr

Impact 4 · · Zacks

19 Mar

Impact 3 · · Zacks

11 Mar

Impact 4 · · GlobeNewswire

2 Mar

Impact 4 · · GlobeNewswire

18 Feb

Impact 4 · · GlobeNewswire

7 Feb

Impact 3 · · Simply Wall St.

5 Feb

Impact 4 · · Simply Wall St.

3 Feb

Impact 3 ·

26 Jan

Impact 4 · · Associated Press Finance
Impact 3 · · Zacks earnings
Impact 3 · · Zacks
stockrow.com/HBT · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com