HBT Financial, Inc. (NASDAQ: HBT) is a Financial Services company in the Banks - Regional industry. QuoTrend tracks its price, financials, earnings, analyst ratings and insider trades.
| Index | - | P/E | 15.45 | EPS (ttm) | 2.33 | Insider Own | - | Shs Outstand | 36.37M | Perf Week | -1.37% |
| Market Cap | 1.31B | Forward P/E | 10.44 | EPS next Y | 3.45 | Insider Trans | -0.08% | Shs Float | 15.82M | Perf Month | 1.67% |
| Enterprise Value | 1.34B | PEG | 1.74 | EPS next Q | 0.78 | Inst Own | - | Short Float | 2.68% | Perf Quarter | 18.84% |
| Income | 78.00M | P/S | 3.96 | EPS this Y | 30.39% | Inst Trans | - | Short Ratio | 5.79 | Perf Half Y | 37.55% |
| Sales | 331.00M | P/B | 1.71 | EPS next Y | 13.56% | ROA | 1.16% | Short Interest | 973.41K | Perf YTD | 39.30% |
| Book/sh | 21.04 | P/C | 0.78 | EPS next 5Y | 8.86% | ROE | 11.40% | 52W High | 37.51 -4.00% | Perf Year | 39.57% |
| Cash/sh | 46.01 | P/FCF | 17.54 | EPS past 3/5Y | 5.30% 12.73% | ROIC | 8.02% | 52W Low | 22.36 61.05% | Perf 3Y | 91.44% |
| Dividend Est. | 1.00 (2.78%) | EV/EBITDA | 12.28 | Sales past 3/5Y | 16.15% 13.29% | Gross Margin | 80.60% | Volatility | 2.07% 1.78% | Perf 5Y | 135.98% |
| Dividend TTM | 0.92 (2.55%) | EV/Sales | 4.06 | EPS Y/Y TTM | 3.10% | Oper. Margin | 31.83% | ATR (14) | 0.72 | Perf 10Y | - |
| Dividend Ex-Date | Aug 11, 2026 | Quick Ratio | 0.30 | Sales Y/Y TTM | 16.14% | Profit Margin | 23.46% | RSI (14) | 51.34 | Recom | 2.67 |
| Dividend Gr. 3/5Y | 9.49% 6.96% | Current Ratio | 0.30 | EPS Q/Q | 23.81% | SMA20 | -0.15% | Beta | 0.48 | Target Price | 38.00 |
| Payout | 37.26% | Debt/Eq | 0.11 | Sales Q/Q | 36.99% | SMA50 | 1.93% | Rel Volume | 2.73 | Prev Close | 36.08 |
| Employees | 826 | LT Debt/Eq | 0.11 | Earnings | Oct 26 | SMA200 | 21.08% | Avg Volume | 156.25K | Price | 36.01 |
| IPO Date | Oct 11, 2019 | Option/Short | Yes / Yes | EPS/Sales Surpr. | 6.27% 0.67% | Net Debt/EBITDA | 0.16 | Volume | 427,032 | Change | -0.19% |
| Date | Action | Analyst | Rating | Target |
|---|---|---|---|---|
| Aug-12-26 | Reiterated | Hovde Group | Outperform | $40 → $44 |
| Aug-11-26 | Reiterated | DA Davidson | Neutral | $27 → $38 |
| Apr-28-26 | Reiterated | Piper Sandler | Neutral | $28 → $32 |
| Jan-07-26 | Upgrade | Raymond James | Market Perform → Outperform | $23 → $30 |
| Oct-21-25 | Reiterated | D.A. Davidson | Neutral | $24 → $27 |
| Oct-21-25 | Reiterated | Piper Sandler | Neutral | $24 → $28 |
| May-06-25 | Upgrade | Hovde Group | Market Perform → Outperform | |
| Oct-22-24 | Reiterated | Piper Sandler | Neutral | $22 → $24 |
| Sep-25-24 | Downgrade | DA Davidson | Buy → Neutral | $26 → $24 |
| Jul-23-24 | Reiterated | D.A. Davidson | $22 → $26 |
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company, offering a comprehensive suite of financial products and services. They cater to a diverse client base, including individuals, businesses, and municipal entities, providing retail, commercial, and business banking solutions. Their deposit offerings encompass a variety of options, such as non-interest and interest-bearing demand accounts, money market accounts, savings accounts, certificates of deposit (CDs), health savings accounts (HSAs), and individual retirement accounts (IRAs). The company's extensive lending portfolio spans commercial real estate (both owner-occupied and investment properties), construction and land development, multi-family housing, commercial and industrial (C&I) loans, agricultural and farmland financing, and one-to-four family residential mortgages, as well as municipal and consumer loans. Beyond traditional banking, HBT Financial also provides robust wealth management services. These include financial planning for consumers, trusts, and estates; trustee and custodial responsibilities; investment management; corporate retirement plan consulting and administration; and retail brokerage. Further extending its offerings, the company provides specialized services like farmland management, sales, and crop insurance, in addition to treasury management solutions. It also originates residential mortgage loans and subsequently sells them. Modern digital banking solutions are readily available, encompassing online and mobile banking platforms, various digital payment services, and personal financial management tools. The company maintains an extensive branch network, with 57 locations situated across Central and Northeastern Illinois, complemented by four branches in Eastern Iowa. Established in 1920, HBT Financial, Inc. was originally known as Heartland Bancorp, Inc., before adopting its current name in September 2019. The company's headquarters are located in Bloomington, Illinois.
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| Line Item (USD, M) | TTM — | FY 2025 12/31/2025 | FY 2024 12/31/2024 | FY 2023 12/31/2023 | FY 2022 12/31/2022 | FY 2021 12/31/2021 | FY 2020 12/31/2020 | FY 2019 12/31/2019 | FY 2018 12/31/2018 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 331 | 293 | 285 | — | — | — | — | — | — | |
| Cost of Goods Sold Incl. D&A | 64 | 59 | 66 | — | — | — | — | — | — | |
| Gross Profit | 266 | 235 | 219 | — | — | — | — | — | — | |
| Selling, General and Administrative Excl. Other | 91 | 94 | 83 | — | — | — | — | — | — | |
| Research and Development | 0 | 0 | 0 | — | — | — | — | — | — | |
| Other Operating Expense | 70 | 36 | 39 | — | — | — | — | — | — | |
| Operating Income | 106 | 105 | 97 | — | — | — | — | — | — | |
| Interest Expense | 63 | 57 | 63 | — | — | — | — | — | — | |
| Unusual Expense | — | — | — | — | — | — | — | — | — | |
| Non-Operating Income (Expense) | 63 | 57 | 63 | — | — | — | — | — | — | |
| Net Income Before Taxes | 106 | 105 | 97 | — | — | — | — | — | — | |
| Income Taxes | 28 | 27 | 26 | — | — | — | — | — | — | |
| Consolidated Net Income | 78 | 77 | 72 | — | — | — | — | — | — | |
| Net Income From Continuing Operations | 78 | 77 | 72 | — | — | — | — | — | — | |
| Net Income | 78 | 77 | 72 | — | — | — | — | — | — | |
| EPS (Recurring) | 2.34 | 2.44 | 2.27 | — | — | — | — | — | — | |
| EPS (Basic, Before Extraordinaries) | 2.34 | 2.44 | 2.27 | — | — | — | — | — | — | |
| EPS (Diluted) | 2.33 | 2.44 | 2.26 | — | — | — | — | — | — | |
| EBITDA | 110 | 110 | 103 | — | — | — | — | — | — | |
| Other After Tax Adjustments | — | — | — | — | — | — | — | — | — | |
| Stock Option Compensation Expense | — | — | — | — | — | — | — | — | — | |
| Price To Earnings Ratio | 15.45 | 10.59 | 9.69 | — | — | — | — | — | — | |
| Price To Sales Ratio | 3.92 | 2.73 | 2.46 | — | — | — | — | — | — | |
| Gross Margin | 80.36 | 80.20 | 76.84 | — | — | — | — | — | — | |
| Operating Margin | 32.02 | 35.84 | 34.04 | — | — | — | — | — | — | |
| Net Margin | 23.56 | 26.28 | 25.26 | — | — | — | — | — | — | |
| Shares Outstanding | 36 | 31 | 32 | — | — | — | — | — | — | |
| Market Capitalization | 1,296 | 801 | 701 | — | — | — | — | — | — | |
| Operating Lease Expense | — | — | — | — | — | — | — | — | — |
| Insider | Relationship | Date | Transaction | Cost | #Shares | Value ($) | #Shares Total | SEC Form 4 |
|---|---|---|---|---|---|---|---|---|
| DRAKE FRED L | Executive Chairman | Apr 28 '26 | Sale | 28.93 | 15,742 | 455,416 | 45,815 | Apr 30 |
| HORVATH LAWRENCE J | EVP & Chief Lending Officer | Mar 16 '26 | Sale | 26.60 | 5,000 | 133,000 | 58,609 | Mar 17 |
| BUSCH PATRICK F | Director | Mar 16 '26 | Sale | 26.48 | 15,000 | 397,200 | 174,544 | Mar 17 |
| BURWELL ERIC E | Director | Mar 10 '26 | Buy | 26.24 | 4,000 | 104,960 | 35,820 | Mar 11 |
| DRAKE FRED L | Executive Chairman | Feb 20 '26 | Sale | 28.60 | 2,258 | 64,579 | 61,557 | Feb 23 |
| DRAKE FRED L | Executive Chairman | Feb 18 '26 | Sale | 28.74 | 2,000 | 57,480 | 63,815 | Feb 20 |
| DRAKE FRED L | Executive Chairman | Feb 14 '25 | Sale | 25.22 | 2,825 | 71,247 | 20,000 | Feb 14 |
| DRAKE FRED L | Executive Chairman | Feb 13 '25 | Sale | 25.15 | 10,000 | 251,500 | 22,825 | Feb 14 |
| DRAKE FRED L | Executive Chairman | Feb 11 '25 | Sale | 25.02 | 5,000 | 125,100 | 32,825 | Feb 13 |
| DRAKE FRED L | Executive Chairman | Feb 06 '25 | Sale | 25.77 | 5,845 | 150,626 | 37,825 | Feb 10 |
| BUSCH PATRICK F | Director | Feb 05 '25 | Sale | 24.77 | 8,000 | 198,160 | 182,000 | Feb 06 |
| DRAKE FRED L | Executive Chairman | Feb 04 '25 | Sale | 24.59 | 9,945 | 244,548 | 43,670 | Feb 05 |
| DRAKE FRED L | Executive Chairman | Jan 31 '25 | Sale | 24.81 | 5,055 | 125,415 | 53,615 | Jan 31 |
| DRAKE FRED L | Executive Chairman | Jan 29 '25 | Sale | 24.38 | 10,000 | 243,800 | 58,670 | Jan 31 |
| DRAKE FRED L | Executive Chairman | Dec 12 '24 | Sale | 24.11 | 2,500 | 60,275 | 68,670 | Dec 16 |