HBT Financial, Inc. HBT R2KR3KFINANCIAL
Company Overview
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.
Why Investors Should Care
Trades at an undemanding P/E of 15.4.
Maintains a net profit margin of 29.2%.
Offers a dividend yield of 2.77%.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +37.7%, earnings +24.6%.
- 5-Year Trend Long-term compounding — profit CAGR 4.0%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | - |
| 1 Year: | 37.70% |
Compounded Profit Growth
| 5 Years: | 4.04% |
| 1 Year: | 24.60% |
Stock Price Performance
| 1 Year: | +45.97% |
| 6 Months: | +30.68% |
| 3 Months: | +5.50% |
| 1 Month: | +1.37% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)56.03 · Neutral
P/E of 15.42 is above the sector median of 13.55 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
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 Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 29.2%.
- Attractive dividend yield of 2.77%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
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. R2KR3KFINANCIAL | 36.24 | 15.42 | $1.32B | 2.77% | - | 11.56% | - | 4.04% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
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 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 | 11.20M | 27.84M |
| 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 | 0.34 | 0.76 |
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 |
|---|---|---|---|---|---|---|---|---|---|
| Net Income | 56.10M | 63.80M | 66.86M | 36.84M | 56.27M | 56.46M | 65.84M | 71.78M | 77.01M |
| Diluted EPS | 3.10 | 3.54 | 3.33 | 1.34 | 2.02 | 1.95 | 2.07 | 2.26 | 2.44 |
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 | 4.31B | 4.29B | 5.07B | 5.03B | 5.07B |
| Total Equity | 326.25M | 323.92M | 340.40M | 332.92M | 363.92M | 411.88M | 373.63M | 489.50M | 544.61M | 615.50M |
| Cash & Equivalents | - | - | 186.88M | 283.97M | 312.45M | 409.27M | 114.16M | 141.25M | 137.69M | 122.27M |
| Total Liabilities | - | - | 2.91B | 2.91B | 3.30B | 3.90B | 3.91B | 4.58B | 4.49B | 4.46B |
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 | 43.02M | 72.59M | 65.83M | 89.37M | 85.07M |
| Investing Cash Flow | -90.31M | 65.09M | 115.34M | -380.45M | -349.61M | -335.12M | 132.66M | 32.35M | -39.64M |
| Financing Cash Flow | -54.83M | -123.89M | -107.34M | 377.68M | 403.41M | -32.57M | -171.40M | -125.28M | -60.85M |
| 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 % | - | - | - | - | - | - | - | - | - |
| ROE % | 17.3% | 18.7% | 20.1% | 10.1% | 13.7% | 15.1% | 13.5% | 13.2% | 12.5% |
| ROCE % | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 5.44% | 1.98M | $69.18M |
| 2 | Vanguard Capital Management LLC | 2.00% | 726.75K | $25.40M |
| 3 | Dimensional Fund Advisors LP | 1.62% | 588.89K | $20.58M |
| 4 | Manufacturers Life Insurance Co. | 1.35% | 490.01K | $17.13M |
| 5 | Adage Capital Partners GP L.L.C. | 1.30% | 473.20K | $16.54M |
| 6 | Geode Capital Management, LLC | 1.24% | 450.01K | $15.73M |
| 7 | State Street Corporation | 1.09% | 395.93K | $13.84M |
| 8 | American Century Companies Inc | 0.96% | 349.78K | $12.22M |
| 9 | LPL Financial LLC | 0.88% | 321.71K | $11.24M |
| 10 | Wellington Management Group, LLP | 0.82% | 298.61K | $10.44M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for HBT
HBT Financial, Inc. Estimates – NASDAQ:HBT - TradingView
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HBT Nov 2026 30.000 put (HBT261120P00030000) stock price, news, quote and history - Yahoo Finance Australia
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HBT — Frequently Asked Questions
What is the current share price of HBT Financial, Inc. (HBT)?
As of 2026-10-23 16:27 PDT, HBT Financial, Inc. (HBT) trades at $36.24 on NasdaqGS. Its 52-week range is $22.36 to $37.22.
What is the market capitalisation of HBT?
HBT Financial, Inc. (HBT) has a market capitalisation of $1.32B on NasdaqGS.
What is the P/E ratio of HBT?
HBT trades at a trailing price-to-earnings (P/E) ratio of 15.42. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.71.
Does HBT pay a dividend?
HBT Financial, Inc. (HBT) currently offers a dividend yield of 2.77%.
What is the return on equity (ROE) of HBT?
HBT has a return on equity (ROE) of 11.56%.
Is HBT a good stock to buy?
This page provides a data-driven analysis of HBT Financial, Inc. (HBT), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.