HBT Financial (HBT) Stock Price, News & Analysis

Company Overview

HBT Financial, Inc. is a bank holding company headquartered in Bloomington, Illinois. Through its principal subsidiary, Heartland Bank and Trust Company, the company provides banking and financial services to individuals, families, farmers, and businesses.

Heartland Bank offers checking and savings accounts, consumer and commercial loans, agricultural lending, mortgages, treasury management, and other deposit and lending products. The bank also provides trust, wealth management, investment, and retirement planning services through its financial services operations.

HBT Financial’s banking operations primarily serve communities across Illinois, with a focus on central and eastern parts of the state. The company became a publicly traded bank holding company in 2019, when it completed its initial public offering. HBT Financial is led by President and Chief Executive Officer Fred L. Drake.

Key Stats

• Today's Range: $34.91 to $35.51
• 50-Day Range: $34.95 to $37.22
• 52-Week Range: $22.36 to $37.51
• Volume: 106,780 shs
• Average Volume: 143,334 shs
• Market Capitalization: $1.27 billion
• P/E Ratio: 15.00
• Dividend Yield: 2.86%
• Price Target: $37.40
• Consensus Rating: Buy

HBT Financial Stock Analysis - MarketRank™

HBT Financial scored higher than 79% of companies evaluated by MarketBeat, and ranked 320th out of 853 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: 3.1 / 5
• Analyst Rating: Buy

Consensus Rating

HBT Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 strong buy ratings, 3 buy ratings, 2 hold ratings, and no sell ratings.

Upside/Downside

The consensus price target for HBT Financial is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

HBT Financial has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 9.30%

Earnings Growth

Earnings for HBT Financial are expected to grow by 9.30% in the coming year, from $3.01 to $3.29 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of HBT Financial is 15.00, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.78.

Price to Earnings Ratio vs. Sector

The P/E ratio of HBT Financial is 15.00, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.72.

Price to Book Value per Share Ratio

HBT Financial has a P/B Ratio of 1.78. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.63% 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 8.

Change versus previous month

Short interest in HBT Financial has recently increased by 14.63%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

HBT Financial pays a meaningful dividend of 2.86%, 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 42.92%. 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 30.40% next year. This indicates that HBT Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 0.89

News Sentiment

HBT Financial has a news sentiment score of 0.89. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.62 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 2 news articles for HBT Financial this week, compared to 2 articles on an average week.

MarketBeat Follows

1 people have added HBT Financial to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 1.4 / 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

51.90% 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.

Company Calendar

• Last Earnings: 7/27/2026
• Record date for 8/18 Dividend: 8/11/2026
• Ex-Dividend for 8/18 Dividend: 8/11/2026
• Dividend Payable: 8/18/2026
• Today: 10/10/2026
• Next Earnings (Estimated): 10/26/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:HBT
• CIK: 775215
• Web: ir.hbtfinancial.com
• Phone: (309) 662-4444
• Fax: N/A
• Employees: 826
• Year Founded: 1964

Price Target and Rating

• Average Price Target for HBT Financial: $37.40
• High Price Target: $44.00
• Low Price Target: $30.00
• Potential Upside/Downside: +7.0%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.33
• Trailing P/E Ratio: 15.00
• Forward P/E Ratio: 11.61
• P/E Growth: N/A
• Net Income: $77.01 million
• Net Margins: 23.44%
• Pretax Margin: 31.80%
• Return on Equity: 13.46%
• Return on Assets: 1.55%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 0.84
• Quick Ratio: 0.84

Sales & Book Value

• Annual Sales: $293.97 million
• Price / Sales: 4.32
• Cash Flow: $2.80 per share
• Price / Cash Flow: 12.47
• Book Value: $19.58 per share
• Price / Book: 1.78

Miscellaneous

• Outstanding Shares: 36,370,000
• Free Float: 17,492,000
• Market Cap: $1.27 billion
• Optionable: Optionable
• Beta: 0.49