HBT Financial (HBT) Stock Price, News & Analysis

Company Overview

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities in Central and Northeastern Illinois, and Eastern Iowa. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, and farmland sales and services; commercial checking accounts; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. 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.

Key Stats

• Today's Range: $23.78 to $24.23
• 50-Day Range: $23.18 to $30.28
• 52-Week Range: $19.46 to $26.86
• Volume: 45,432 shs
• Average Volume: 31,347 shs
• Market Capitalization: $766.87 million
• P/E Ratio: 10.04
• Dividend Yield: 3.45%
• Price Target: $28.80
• Consensus Rating: Moderate Buy

HBT Financial Stock Analysis - MarketRank™

HBT Financial scored higher than 80% of companies evaluated by MarketBeat, and ranked 339th out of 918 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.3 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

HBT Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.60, and is based on 3 buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

HBT Financial has only been the subject of 4 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 2.14%

Earnings Growth

Earnings for HBT Financial are expected to grow by 2.14% in the coming year, from $2.34 to $2.39 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of HBT Financial is 10.04, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.84.

Price to Earnings Ratio vs. Sector

The P/E ratio of HBT Financial is 10.04, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.86.

Price to Book Value per Share Ratio

HBT Financial has a P/B Ratio of 1.32. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.84% of the float of HBT Financial has been sold short.

Short Interest Ratio / Days to Cover

HBT Financial has a short interest ratio ("days to cover") of 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in HBT Financial has recently decreased by 9.32%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

HBT Financial pays a meaningful dividend of 3.48%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

HBT Financial has been increasing its dividend for 5 years.

Dividend Coverage

The dividend payout ratio of HBT Financial is 34.71%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, HBT Financial will have a dividend payout ratio of 35.15% next year. This indicates that HBT Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.84% of the float of HBT Financial has been sold short.

Short Interest Ratio / Days to Cover

HBT Financial has a short interest ratio ("days to cover") of 3.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in HBT Financial has recently decreased by 9.32%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

Company Ownership

• Score: 3.3 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, HBT Financial insiders have not sold or bought any company stock.

Percentage Held by Insiders

59.70% of the stock of HBT Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

78.55% of the stock of HBT Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

HBT Stock Analysis - Frequently Asked Questions

How have HBT shares performed this year?

HBT Financial's stock was trading at $21.90 at the beginning of the year. Since then, HBT stock has increased by 11.2% and is now trading at $24.3450.

How were HBT Financial's earnings last quarter?

HBT Financial, Inc. (NASDAQ:HBT) issued its quarterly earnings data on Monday, July, 21st. The company reported $0.63 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $0.60 by $0.03. The firm had revenue of $58.80 million for the quarter, compared to analysts' expectations of $59.45 million. HBT Financial had a net margin of 26.22% and a trailing twelve-month return on equity of 13.98%.

Is HBT Financial doing a stock buyback?

HBT Financial's board approved a share repurchase program on Wednesday, December 18th 2024, which allows the company to buy back $15,000,000 in outstanding shares, according to EventVestor. This means that the company could reacquire up to 2.1% of its stock through open market purchases. Stock buyback programs are usually a sign that the company's management believes its shares are undervalued.

When did HBT Financial IPO?

HBT Financial (HBT) raised $149 million in an initial public offering on Friday, October 11th 2019. The company issued 8,300,000 shares at $17.00-$19.00 per share. Keefe, Bruyette & Woods (A Stifel Company) and J.P. Morgan served as the underwriters for the IPO and RAYMOND JAMES, Sandler O'Neill + Partners and D.A. Davidson & Co. were co-managers.

Who are HBT Financial's major shareholders?

HBT Financial's top institutional investors include Acadian Asset Management LLC (0.36%), Johnson Investment Counsel Inc. (0.31%), Los Angeles Capital Management LLC (0.19%) and Rosenthal Henry Capital Advisors Inc. (0.13%). Insiders that own company stock include Roger A Baker, Patrick F Busch, Eric E Burwell, Peter Robert Chapman and Fred L Drake.
View institutional ownership trends.

How do I buy shares of HBT Financial?

Shares of HBT stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of HBT Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that HBT Financial investors own include JPMorgan Chase & Co. (JPM), Tesla (TSLA), Advanced Micro Devices (AMD), NVIDIA (NVDA), Meta Platforms (META), Home Depot (HD) and Visa (V).

Company Calendar

• Record date for 5/13 Dividend: 5/06/2025
• Ex-Dividend for 5/13 Dividend: 5/06/2025
• Dividend Payable: 5/13/2025
• Last Earnings: 7/21/2025
• Record date for 8/12 Dividend: 8/05/2025
• Ex-Dividend for 8/12 Dividend: 8/05/2025
• Today: 8/08/2025
• Dividend Payable: 8/12/2025
• Next Earnings (Estimated): 10/20/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - NORTHEAST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:HBT
• CIK: 775215
• Web: www.hbtbank.com
• Phone: 888-897-2276
• Fax: N/A
• Employees: 730
• Year Founded: N/A

Price Target and Rating

• Average Price Target for HBT Financial: $28.80
• High Price Target: $30.00
• Low Price Target: $27.00
• Potential Upside/Downside: +20.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.60
• Research Coverage: 5 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.42
• Trailing P/E Ratio: 9.90
• Forward P/E Ratio: 10.24
• P/E Growth: N/A
• Net Income: $71.78 million
• Net Margins: 26.22%
• Pretax Margin: 35.45%
• Return on Equity: 13.98%
• Return on Assets: 1.55%

Debt

• Debt-to-Equity Ratio: 0.17
• Current Ratio: 0.82
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $287.27 million
• Price / Sales: 2.63
• Cash Flow: $2.67 per share
• Price / Cash Flow: 8.97
• Book Value: $18.44 per share
• Price / Book: 1.30

Miscellaneous

• Outstanding Shares: 31,500,000
• Free Float: 12,692,000
• Market Cap: $754.43 million
• Optionable: Optionable
• Beta: 0.63