HBT Financial (HBT) Stock Price, News & Analysis

Company Overview

HBT Financial, Inc. is the bank holding company for HomeTrust Bank, a community-focused financial institution based in Lenoir, North Carolina. Through its subsidiary, HomeTrust Bank, the company provides a full suite of personal and business banking services across western North Carolina, eastern Tennessee and Upstate South Carolina. The company’s operations include a network of branch offices, ATMs and online banking platforms designed to serve both urban and rural communities in its primary market areas.

HomeTrust Bank’s product offerings encompass traditional deposit accounts such as checking, savings and money market accounts, as well as certificates of deposit. On the lending side, the bank extends consumer loans, mortgage products and commercial real estate financing, along with working capital lines of credit for small- to medium-sized enterprises. Complementing these core services, HBT Financial delivers wealth management and trust services, treasury and payment solutions, and mortgage banking capabilities, aimed at both individual customers and local businesses.

HBT Financial traces its roots to a community savings organization established in the early 20th century. In 2007, the entity reorganized under a holding company structure to facilitate growth and strategic acquisitions, and it completed its initial public offering in 2010. Since then, the company has focused on organic expansion and selective branch acquisitions to deepen its presence in the Southeast. With a management team drawn from seasoned banking professionals and a board of directors committed to community engagement, HBT Financial maintains its emphasis on personalized service and local decision-making.

Key Stats

• Today's Range: $25.75 to $26.18
• 50-Day Range: $23.95 to $26.66
• 52-Week Range: $19.46 to $27.02
• Volume: 45,486 shs
• Average Volume: 38,043 shs
• Market Capitalization: $816.48 million
• P/E Ratio: 10.53
• Dividend Yield: 3.24%
• Price Target: $28.80
• Consensus Rating: Moderate Buy

HBT Financial Stock Analysis - MarketRank™

HBT Financial scored higher than 83% of companies evaluated by MarketBeat, and ranked 279th out of 938 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: Moderate Buy

Consensus Rating

HBT Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 3 buy ratings, 3 hold ratings, and no sell ratings.

Upside Potential

HBT Financial has a consensus price target of $28.80, representing about 11.1% upside from its current price of $25.92.

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: 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 10.71, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 297.81.

Price to Earnings Ratio vs. Sector

The P/E ratio of HBT Financial is 10.71, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 240.57.

Price to Book Value per Share Ratio

HBT Financial has a P/B Ratio of 1.50. 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

0.85% 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 3.1, 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 6.41%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

HBT Financial pays a meaningful dividend of 3.17%, 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

0.85% 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 3.1, 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 6.41%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 1.6 / 5
• News Sentiment: N/A

News Sentiment

HBT Financial has a news sentiment score of 0.94. 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 news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 1 news article for HBT Financial this week, compared to 3 articles on an average week.

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 shares have increased by 18.4% and is now trading at $25.92.

How were HBT Financial's earnings last quarter?

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

Is HBT Financial doing a stock buyback?

HBT Financial's board authorized a share repurchase program on Wednesday, December 18th 2024, which allows the company to repurchase $15,000,000 in shares, according to EventVestor. This means that the company could repurchase up to 2.1% of its stock through open market purchases. Stock buyback programs are generally a sign that the company's leadership 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 a price of $17.00-$19.00 per share. Keefe, Bruyette & Woods (A Stifel Company) and J.P. Morgan acted 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?

Top institutional investors of HBT Financial include The Manufacturers Life Insurance Company (1.64%), Geode Capital Management LLC (1.00%), LSV Asset Management (0.72%) and American Century Companies Inc. (0.70%). 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

• Last Earnings: 7/21/2025
• Record date for 8/12 Dividend: 8/05/2025
• Ex-Dividend for 8/12 Dividend: 8/05/2025
• Dividend Payable: 8/12/2025
• Today: 9/22/2025
• 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: +10.8%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.42
• Trailing P/E Ratio: 10.74
• Forward P/E Ratio: 11.11
• 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: 0.82

Sales & Book Value

• Annual Sales: $230.41 million
• Price / Sales: 3.55
• Cash Flow: $2.69 per share
• Price / Cash Flow: 9.67
• Book Value: $17.26 per share
• Price / Book: 1.51

Miscellaneous

• Outstanding Shares: 31,495,000
• Free Float: 12,661,000
• Market Cap: $818.56 million
• Optionable: Optionable
• Beta: 0.66