HBT Financial, Inc. HBT
- Market cap
- $1.3B
- P/E
- 15.5×
Follow HBT
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| — | — | — | 15.27 | 9.11 | 14.18 | 16.09 | 16.33 | 17.75 | 19.46 |
Analyst estimates 2026–2028 Powerpack |
Low Price
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||
| — | — | — | 19.09 | 20.71 | 19.44 | 22.48 | 23.49 | 25.35 | 27.85 |
High Price
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| — | — | — | 747 | 747 | 728 | 711 | 844 | 844 | 826 |
Employees
|
|||
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Revenue/Emp
|
|||
| 163 | 161 | 169 | 176 | 159 | 166 | 188 | 265 | 287 | 294 |
Revenue
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|||
| 0.00% | 95.90% | 95.26% | 94.37% | 95.92% | 96.48% | 96.18% | 85.69% | 78.12% | 80.65% |
Gross Margin
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|||
| 60 | 57 | 65 | 72 | 50 | 77 | 76 | 89 | 97 | 105 |
EBT
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| 36.55% | 35.44% | 38.34% | 40.86% | 31.27% | 46.25% | 40.58% | 33.42% | 33.90% | 35.55% |
EBT Margin
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|||
| 59 | 56 | 64 | 67 | 37 | 56 | 56 | 66 | 72 | 77 |
Net Income
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|||
| — | 11 | 10 | 8 | 9 | 11 | 11 | 12 | 10 | 8 |
Depreciation
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|||
| 5.91 | 8.90 | 9.35 | 8.78 | 5.77 | 5.96 | 6.51 | 8.38 | 9.09 | 9.33 |
Revenue/Sh
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| 2.12 | 3.10 | 3.54 | 3.43 | 1.34 | 2.02 | 2.09 | 2.08 | 2.27 | 2.44 |
Earnings/Sh
|
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| 2.24 | 3.99 | 4.43 | 4.43 | 1.14 | 1.55 | 2.52 | 2.08 | 2.83 | 2.70 |
Cash Flow/Sh
|
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| 0.00 | (0.11) | 0.03 | (0.04) | (0.07) | (0.04) | 0.01 | (0.08) | (0.17) | (0.31) |
Capex/Sh
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| 2.24 | 3.88 | 4.47 | 4.39 | 1.07 | 1.51 | 2.53 | 2.00 | 2.65 | 2.39 |
Free CF/Sh
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| 0.00 | 0.00 | 18.86 | 16.57 | 13.25 | 14.82 | 12.95 | 15.48 | 17.24 | 19.54 |
Book Value/Sh
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| 28 | 18 | 18 | 20 | 27 | 28 | 29 | 32 | 32 | 32 |
Shares
|
|||
| 4.09 | 4.09 | 4.09 | 5.54 | 11.31 | 9.27 | 9.87 | 10.27 | 9.65 | 10.59 |
PE Ratio
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|||
| 1.60 | 1.60 | 1.60 | 2.16 | 2.62 | 3.14 | 2.97 | 2.55 | 2.41 | 2.77 |
PS Ratio
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| 0.80 | 0.80 | 0.80 | 1.15 | 1.14 | 1.26 | 1.49 | 1.38 | 1.27 | 1.32 |
PB Ratio
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| 0.93 | 0.93 | 0.93 | 0.76 | 1.14 | 1.13 | 3.62 | 2.41 | 2.30 | 2.58 |
EV/Sales
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| 2.03 | 2.03 | 2.03 | 1.53 | 6.14 | 4.47 | 9.33 | 10.09 | 7.87 | 10.07 |
EV/FCF
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| 62 | 72 | 80 | 89 | 31 | 43 | 73 | 66 | 89 | 85 |
Op' Cash Flow
|
|||
| (1) | (2) | 1 | (1) | (2) | (1) | 0 | (3) | (6) | (10) |
Capex
|
|||
| 62 | 70 | 81 | 88 | 29 | 42 | 73 | 63 | 84 | 75 |
FCF
|
|||
| — | — | (513) | (377) | (620) | (894) | (901) | (911) | (759) | (797) |
Working Cap'
|
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| — | 37 | 38 | 38 | 77 | 77 | 237 | 105 | 106 | 65 |
Total Debt
|
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| — | 37 | (150) | (247) | (236) | (333) | 123 | (37) | (32) | (57) |
Net Debt
|
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| — | 0 | 340 | 333 | 364 | 412 | 374 | 489 | 545 | 615 |
Sh' Equity
|
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| 0.00% | 3.45% | 3.93% | 2.06% | 1.06% | 1.41% | 1.31% | 1.41% | 1.42% | 1.52% |
ROA
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| — | 96.24% | 21.18% | 52.24% | 24.14% | 60.45% | 9.59% | 12.23% | 11.87% | 11.70% |
ROIC
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| 0.00% | 16.89% | 19.21% | 19.86% | 10.55% | 14.48% | 14.36% | 15.25% | 13.88% | 13.28% |
ROE
|
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HBT Financial, Inc. peers in Banks Regional
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| FMBH First Mid Bancshares, Inc. | $1.3B | 12.3× | Compare |
| PFBC Preferred Bank | $1.3B | 9.8× | Compare |
| OSBC Old Second Bancorp, Inc. | $1.3B | 14.0× | Compare |
| CTBI Community Trust Bancorp, Inc. | $1.4B | 12.6× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| WABC Westamerica Bancorporation | $1.4B | 13.4× | Compare |
| BHRB Burke & Herbert Financial Services Corp. | $1.4B | 11.1× | Compare |
| PEBO Peoples Bancorp Inc. | $1.4B | 11.7× | Compare |
| THFF First Financial Corporation Indiana | $1.2B | 10.6× | Compare |
HBT Financial, Inc. (HBT) key facts
- HBT Financial, Inc. (HBT) is a Banks Regional company in the Financial sector, listed on Nasdaq.
- HBT Financial, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $294.0 million, up 2.33% from fiscal 2024.
- Net income was $77.0 million, or $2.44 per share (basic), a net margin of 26.2%.
- As of September 25, 2026, HBT traded at $36.25, a market capitalization of $1.3 billion.
- At that price the stock trades at 15.5× trailing-twelve-month earnings and 4.0× sales.
- HBT Financial, Inc. pays an annual dividend of $0.68 per share, a yield of 3.99%, with a payout ratio of 35.3%.
- Return on equity was 13.3% and debt-to-equity 0.20.
HBT Financial, Inc. (HBT) Latest News
11 Aug
HBT Financial acquires Tri-County Financial for $204.6 million in an in-state Illinois transaction. Acquisition constitutes major strategic expansion that alters HBT's scale and market position.
31 Jul
HBT Financial shares rose 7.7% on stronger Q2 results and a dividend hike, raising questions on whether the bull case has changed. Stronger Q2 results and dividend increase lifted shares but amount to routine earnings updates unlikely to reshape long-term trajectory.
29 Jul
HBT Financial beat earnings expectations and raised its dividend, leaving open the question of whether the stock remains worth a valuation premium. Earnings beat and dividend hike offer moderate positive signals for near-term performance without altering core trajectory.
27 Jul
HBT Financial, Inc. announced second quarter 2026 financial results. Quarterly earnings release supplies performance metrics that shape near-term valuation and sentiment.
20 Jul
HBT Financial earnings projected to grow, prompting investor consideration on buying the stock. Projected earnings growth may moderately shape investor views on HBT Financial performance.
3 May
HBT Financial, Inc. (HBT) Q1 2026 earnings, dividend, and share buyback announcements prompt debate on whether they should reshape investor views of the company's capital returns strategy. Earnings performance, dividend adjustments, and buybacks directly shape HBT's capital allocation, valuation, and long-term investor confidence.
27 Apr
HBT Financial beat earnings forecasts as the CNB acquisition enhanced overall performance. CNB acquisition drove earnings beat, marking a major strategic expansion with strong positive impact on trajectory.
HBT Financial (HBT) surpassed Q1 earnings and revenue estimates. Surpassing Q1 earnings and revenue estimates boosts investor sentiment and signals strong financial performance, significantly impacting future market trajectory.
HBT Financial, Inc. announced first quarter 2026 financial results. Quarterly earnings announcements for financial firms directly influence stock performance and future outlook.
HBT Financial (HBT) reported Q1 earnings, with key metrics indicating performance across core operations. Q1 earnings directly affect financial performance and investor sentiment moderately.
7 Apr
Earnings estimates for HBT Financial (HBT) are rising, driven by positive analyst revisions, positioning the stock for potential gains amid improving financial outlook. Rising earnings estimates signal stronger projected financial performance, significantly enhancing investor sentiment and stock trajectory.
19 Mar
HBT Financial (HBT) upgraded to Buy rating by analysts, citing strong earnings growth, efficient operations, attractive valuation, and positive outlook amid regional banking strength. Analyst upgrade to Buy expected to moderately boost investor sentiment and short-term stock performance without altering core fundamentals.
11 Mar
HBT Financial, Inc. announces issuance of $85 million in subordinated notes due 2034, priced at 8.125% fixed-to-floating rate, qualifying as Tier 2 capital to support growth and operations. Issuance of $85 million subordinated notes strengthens regulatory capital, enabling expanded lending and improved financial flexibility.
2 Mar
HBT Financial, Inc. completes merger with CNB Bank Shares, Inc. Merger completion delivers major strategic expansion through increased assets and market presence for HBT Financial.
18 Feb
HBT Financial, Inc. secured the #1 ranking on Forbes’ 2026 America’s Best Banks List, recognizing its excellence among U.S. banks. Top Forbes ranking significantly enhances HBT's reputation, investor sentiment, and competitive positioning in banking.
7 Feb
HBT Financial, Inc. (NASDAQ:HBT) has announced an increase in its dividend payout compared to the previous year, signaling a positive trend in the company's financial health and commitment to returning value to shareholders. An increased dividend payout indicates improved financial performance, which may positively influence investor sentiment.
5 Feb
HBT Financial, Inc. (NASDAQ:HBT) is poised for positive market performance as it approaches its upcoming ex-dividend date. The company has shown strong financial health and growth potential, making it an attractive investment opportunity. Analysts suggest that the dividend announcement could further enhance investor interest and confidence in the stock. The upcoming ex-dividend date is likely to significantly influence investor sentiment and market performance.
3 Feb
HBT Financial, Inc. (HBT) is highlighted as one of three top-ranked dividend stocks that can enhance retirement income. The article emphasizes the importance of dividend stocks in providing a reliable income stream for retirees, particularly in a fluctuating market. HBT's strong financial performance and commitment to returning value to shareholders through dividends make it an attractive option for investors seeking stability and income. The analysis suggests that investing in such dividend-paying stocks can be a strategic move for long-term financial security. HBT's strong dividend performance may moderately influence its financial stability and investor sentiment.
26 Jan
HBT Financial, Inc. reported its Q4 earnings, showcasing a notable performance with increased revenues and improved net income compared to the previous quarter. The company highlighted growth in its loan portfolio and a strong deposit base, contributing to its overall financial stability. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing shareholder value. The results reflect the company's resilience in a competitive banking environment. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.
HBT Financial, Inc. insiders hold a significant 64% ownership stake, indicating strong alignment with shareholder interests. This level of insider ownership often suggests confidence in the company's future performance and can influence market perception positively. Investors may view this as a sign of stability and commitment from those who know the company best, potentially impacting stock performance. High insider ownership typically signals confidence and can significantly influence investor sentiment and market performance.
HBT Financial, Inc. reported its financial results for the fourth quarter of 2025, highlighting key metrics such as net income, earnings per share, and loan growth. The company experienced a year-over-year increase in total assets and deposits, reflecting strong operational performance. Management emphasized strategic initiatives aimed at enhancing shareholder value and expanding market presence. The results indicate a positive trajectory for HBT, with plans for continued investment in technology and customer service enhancements. The financial results indicate significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.
HBT Financial, Inc. reported its Q4 earnings, revealing key metrics that were compared against estimates. The results highlighted various financial performance indicators, including revenue and net income, which showed trends relevant to investors and analysts. The analysis provided insights into the company's operational efficiency and market positioning, reflecting its performance in the competitive landscape. The earnings report indicates moderate changes in financial performance that could influence investor sentiment and operational strategies.
HBT Financial, Inc. (HBT) has reported its fourth-quarter earnings, matching analysts' estimates. The results reflect the company's stable financial performance amidst current market conditions. Investors are closely monitoring HBT's strategies and operational efficiency as they navigate the competitive landscape. Earnings results that meet estimates can influence investor sentiment and financial performance but are not expected to significantly alter the company's trajectory.
21 Jan
HBT Financial, Inc. (HBT) is set to release its Q4 outlook, with Wall Street estimating key financial metrics. Analysts are closely monitoring expectations for earnings per share and revenue growth, which could influence investor sentiment and market performance. The upcoming results are anticipated to provide insights into the company's operational efficiency and strategic direction, impacting its competitive positioning in the financial sector. Q4 outlook and Wall Street estimates may moderately influence HBT's financial performance and market sentiment.
18 Dec
HBT Financial, Inc. has announced a new stock repurchase program authorized for up to $30 million. This initiative reflects the company's commitment to enhancing shareholder value and demonstrates confidence in its financial position. The program allows for the repurchase of shares in the open market or through privately negotiated transactions, subject to market conditions and other factors. HBT Financial aims to execute this program over the next 12 months. The stock repurchase program is expected to moderately influence investor sentiment and financial performance.
26 Nov
HBT Financial, Inc. (HBT) has received a rating upgrade to 'Buy' from analysts, reflecting positive sentiment about the company's future performance. This upgrade is based on strong financial metrics and growth potential, suggesting that HBT is well-positioned in the market. Investors may view this as a signal to consider HBT as a viable investment opportunity. The rating upgrade indicates significant positive sentiment that could influence investor behavior and market performance.
25 Nov
HBT Financial, Inc. has attracted investor attention due to its strong financial performance and strategic initiatives aimed at growth. The company has reported solid earnings, showcasing resilience in a competitive market. Analysts highlight its effective management and potential for future expansion, making it a noteworthy consideration for investors looking for opportunities in the banking sector. Strong financial performance and strategic initiatives indicate significant potential for future growth and investor interest.
30 Oct
Options trading activity for HBT Financial, Inc. (HBT) has shown a notable increase, suggesting that investors are anticipating a significant price movement in the stock. The heightened volume of call options indicates bullish sentiment, while put options remain relatively stable. Analysts are closely monitoring these trends, as they may signal upcoming volatility or strategic developments within the company. Increased options activity may indicate potential volatility and investor sentiment shifts, impacting market performance.
28 Oct
HBT Financial, Inc. (NASDAQ:HBT) has received an upgrade in revenue forecasts from industry analysts, indicating a more optimistic outlook for the company's financial performance. This revision reflects positive trends and expectations in the market, suggesting that HBT may experience growth in its revenue streams moving forward. Analysts' upgrades in revenue forecasts typically signal significant positive shifts in market expectations and company performance.
21 Oct
HBT Financial, Inc. has announced a $170.2 million acquisition deal to expand its operations into the St. Louis market. This strategic move aims to enhance the company's footprint and strengthen its competitive position in the region. The acquisition is expected to provide HBT with new growth opportunities and access to a larger customer base. The acquisition significantly expands HBT's market presence and could alter its competitive positioning in the banking sector.