HBT Financial, Inc. HBT R2K
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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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
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
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
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).
| # | Name | CMP $ | P/E | Mkt Cap | Div 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% |
Quarterly Results
Figures in USD.
| Metric | Sep 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 57.63M | 58.44M | 59.57M | 60.10M | 66.64M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 14.43M | 14.26M | 14.35M | 13.85M | 15.45M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 25.50M | 26.36M | 26.73M | 25.91M | 15.05M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 6.43M | 7.13M | 6.97M | 6.98M | 3.85M |
| Net Income | 17.59M | 18.74M | 14.61M | 17.44M | 6.22M | 7.42M | 10.56M | 15.24M | 13.72M | 13.71M | 13.60M | 14.09M | 15.63M | 9.21M | 18.47M | 19.71M | 15.26M | 18.07M | 18.18M | 19.07M | 19.23M | 19.77M | 18.94M | 11.20M |
| Diluted EPS | 0.98 | 1.04 | 0.81 | 0.97 | 0.23 | 0.27 | 0.38 | 0.55 | 0.50 | 0.50 | 0.47 | 0.49 | 0.54 | 0.30 | 0.58 | 0.62 | 0.48 | 0.57 | 0.57 | 0.60 | 0.61 | 0.63 | 0.60 | 0.34 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | 179.54M | 225.72M | 222.37M | 235.74M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | 7.18M | 37.93M | 62.85M | 56.89M |
| Pretax Income | - | - | - | - | - | 76.19M | 88.58M | 97.38M | 104.51M |
| Tax Provision | - | - | - | - | - | 19.73M | 22.74M | 25.60M | 27.50M |
| Net Income | 56.10M | 63.80M | 66.86M | 36.84M | - | 56.46M | 65.84M | 71.78M | 77.01M |
| Diluted EPS | 3.10 | 3.54 | 3.33 | 1.34 | - | 2.09 | 2.07 | 2.26 | 2.44 |
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 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 3.25B | 3.25B | 3.67B | - | 4.29B | 5.07B | 5.03B | 5.07B |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | - | - | 186.88M | 283.97M | 312.45M | - | 114.16M | 141.76M | 137.69M | 122.27M |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | 19.51M | 24.53M | 24.77M | 23.78M |
| Total Liabilities | - | - | 2.91B | 2.91B | 3.30B | - | 3.91B | 4.58B | 4.49B | 4.46B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - | - | 237.18M | 104.89M | 105.63M | 65.21M |
| Total Debt | - | - | - | - | - | - | 237.18M | 104.89M | 105.63M | 65.21M |
| Total Equity | 326.25M | 323.92M | 340.40M | 332.92M | 363.92M | - | 373.63M | 489.50M | 544.61M | 615.50M |
| Shares Outstanding | - | - | - | - | - | - | 29.31M | 32.73M | 32.83M | 32.90M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 72.08M | 79.99M | 89.09M | 31.25M | - | 72.59M | 65.83M | 89.37M | 85.07M |
| Investing Cash Flow | -90.31M | 65.09M | 115.34M | -380.45M | - | -335.12M | 132.66M | 32.35M | -39.64M |
| Financing Cash Flow | -54.83M | -123.89M | -107.34M | 377.68M | - | -32.57M | -171.40M | -125.28M | -60.85M |
| Capital Expenditure | - | - | - | - | - | -1.05M | -3.13M | -5.51M | -10.25M |
| Free Cash Flow | - | - | - | - | - | 71.54M | 62.70M | 83.87M | 74.82M |
| Net Change in Cash | - | - | - | - | - | -295.11M | 27.09M | -3.56M | -15.42M |
| Share Buybacks | - | 907.00K | - | - | 4.91M | 4.78M | 8.91M | 4.42M | 4.50M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 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
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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