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HBT Financial, Inc. HBT R2K

Financial Services · Banks - Regional · United States
https://ir.hbtfinancial.com

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides financial products and services to consumers, businesses, and municipal entities in Illinois and Eastern Iowa. The company offers deposit account services, such as noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposit, HSA, and IRA accounts. It also provides lending products, including non-owner occupied regulatory commercial real estate (CRE), construction and land development and multi-family; commercial and industrial and owner-occupied CRE; agricultural and farmland; one-to-four family residential loans; municipal, consumer, and other loans; residential mortgage origination and servicing; and traditional trust and investment services. In addition, the company offers digital banking services comprising online banking, mobile banking, digital payments, and personal financial management tools; small business and commercial checking accounts, and treasury management services; financial planning to consumers, trusts, and estates; and trustee and custodial services. Further, it provides investment management services; corporate retirement plan consulting and administration; retail brokerage services; farm management services, broker farmland sale, and crop insurance. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.

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$28.63
+26.50% 1Y

Market & Price

Market Cap
$1.04B
Current Price
$28.63
High / Low (52W)
$29.07 / $22.42
Beta
0.52

Valuation

Stock P/E
13.13
Industry PE
12.01
Forward P/E
9.34
PEG Ratio
-
Book Value
$20.54
Price to Book
1.39
P/S
4.27
EV/EBITDA
-
Dividend Yield
3.22%

Profitability & Returns

ROCE
-
ROE
10.53%
ROA
1.17%
Profit Margin
28.34%
Op Margin
44.18%
EPS (Latest Qtr)
$0.34
EPS (TTM)
$2.18

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$157.34M
Total Assets
$5.07B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
56.37%
Chg in Prom Hold
-
FII / Inst Holding
22.86%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$908.00M
Total Revenue (TTM)
$243.97M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$83.15M
Shares Outstanding
36.38M
Gross Margin
0.00%
Payout Ratio
39.45%

Growth (CAGR)

Revenue 5Y
9.50%
Profit 5Y
10.90%
Revenue (YoY)
17.50%
Earnings (YoY)
-43.70%

PROS

  • Excellent profit margin of 28.3%.
  • Profit CAGR of 10.9% over 5 years.
  • Attractive dividend yield of 3.22%.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 HBT HBT Financial, Inc. R2K 28.63 13.13 $1.04B 3.22% - 10.53% 9.50% 10.90%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Sep 2018Mar 2019Jun 2019Sep 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue -------------------57.63M58.44M59.57M60.10M66.64M
Cost of Revenue ------------------------
Gross Profit ------------------------
Operating Expenses ------------------------
Operating Income ------------------------
EBITDA ------------------------
Interest Expense -------------------14.43M14.26M14.35M13.85M15.45M
Pretax Income -------------------25.50M26.36M26.73M25.91M15.05M
Tax Provision -------------------6.43M7.13M6.97M6.98M3.85M
Net Income 17.59M18.74M14.61M17.44M6.22M7.42M10.56M15.24M13.72M13.71M13.60M14.09M15.63M9.21M18.47M19.71M15.26M18.07M18.18M19.07M19.23M19.77M18.94M11.20M
Diluted EPS 0.981.040.810.970.230.270.380.550.500.500.470.490.540.300.580.620.480.570.570.600.610.630.600.34

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -----179.54M225.72M222.37M235.74M
Cost of Revenue ---------
Gross Profit ---------
Operating Expenses ---------
Operating Income ---------
EBITDA ---------
Interest Expense -----7.18M37.93M62.85M56.89M
Pretax Income -----76.19M88.58M97.38M104.51M
Tax Provision -----19.73M22.74M25.60M27.50M
Net Income 56.10M63.80M66.86M36.84M-56.46M65.84M71.78M77.01M
Diluted EPS 3.103.543.331.34-2.092.072.262.44

Compounded Sales Growth

5 Years:9.50%
1 Year:17.50%

Compounded Profit Growth

5 Years:10.90%
1 Year:-43.70%

Stock Price Performance

1 Year:+26.50%
6 Months:+19.59%
3 Months:+7.09%
1 Month:+3.18%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --3.25B3.25B3.67B-4.29B5.07B5.03B5.07B
Current Assets ----------
Cash & Equivalents --186.88M283.97M312.45M-114.16M141.76M137.69M122.27M
Inventory ----------
Receivables ------19.51M24.53M24.77M23.78M
Total Liabilities --2.91B2.91B3.30B-3.91B4.58B4.49B4.46B
Current Liabilities ----------
Long Term Debt ------237.18M104.89M105.63M65.21M
Total Debt ------237.18M104.89M105.63M65.21M
Total Equity 326.25M323.92M340.40M332.92M363.92M-373.63M489.50M544.61M615.50M
Shares Outstanding ------29.31M32.73M32.83M32.90M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 72.08M79.99M89.09M31.25M-72.59M65.83M89.37M85.07M
Investing Cash Flow -90.31M65.09M115.34M-380.45M--335.12M132.66M32.35M-39.64M
Financing Cash Flow -54.83M-123.89M-107.34M377.68M--32.57M-171.40M-125.28M-60.85M
Capital Expenditure ------1.05M-3.13M-5.51M-10.25M
Free Cash Flow -----71.54M62.70M83.87M74.82M
Net Change in Cash ------295.11M27.09M-3.56M-15.42M
Share Buybacks -907.00K--4.91M4.78M8.91M4.42M4.50M

Ratios (Annual)

Figures in %.

Metric Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ---------
Operating Margin % ---------
Net Margin % -----31.4%29.2%32.3%32.7%
ROE % 17.3%18.7%20.1%10.1%-15.1%13.5%13.2%12.5%
ROCE % ---------

Shareholding Pattern

Insiders
56.37%
Institutions
22.86%
Public Float
52.39%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 4.42% 1.61M $46.03M
2 Dimensional Fund Advisors LP 1.54% 561.16K $16.07M
3 Vanguard Capital Management LLC 1.43% 520.11K $14.89M
4 Manufacturers Life Insurance Co. 1.35% 491.42K $14.07M
5 Adage Capital Partners GP L.L.C. 1.23% 445.78K $12.76M
6 American Century Companies Inc 0.90% 325.94K $9.33M
7 LPL Financial LLC 0.89% 324.05K $9.28M
8 Geode Capital Management, LLC 0.83% 302.04K $8.65M
9 State Street Corporation 0.80% 292.70K $8.38M
10 Royce & Associates LP 0.73% 264.42K $7.57M

Analyst View

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