HBT Financial (HBT) Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 2/6 |
| Future Growth | 5/6 |
| Past Performance | 2/6 |
| Financial Health | 6/6 |
| Dividends | 3/6 |
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HBT Financial, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$36.51 |
| 52 Week High | US$37.51 |
| 52 Week Low | US$22.36 |
| Beta | 0.50 |
| 1 Month Change | -1.83% |
| 3 Month Change | 21.74% |
| 1 Year Change | 43.01% |
| 3 Year Change | 91.35% |
| 5 Year Change | 154.43% |
| Change since IPO | 134.94% |
Recent News & Updates
HBT Financial: Expansion By Acquisition Appears To Be Working
Summary HBT Financial has delivered a 53% total return in under a year, driven by strong operational performance and successful M&A activity. HBT’s Q2 2026 results showed an adjusted ROA of 1.70%, an ROE of 15.09%, and a net interest margin of 4.32%, all trending positively post-CNB acquisition. Despite robust profitability and asset quality, HBT trades at a stretched 2.06x TBV and faces near-term TBV dilution and NIM compression from the Tri-County merger. I maintain a Hold rating on HBT, citing valuation concerns and integration risks from serial acquisitions, especially given its concentrated Illinois exposure. Read the full article on Seeking AlphaEarnings Update: Here's Why Analysts Just Lifted Their HBT Financial, Inc. (NASDAQ:HBT) Price Target To US$38.20
Shareholders of HBT Financial, Inc. ( NASDAQ:HBT ) will be pleased this week, given that the stock price is up 13% to...Recent updates
Shareholder Returns
| HBT | US Banks | US Market | |
|---|---|---|---|
| 7D | -0.2% | -0.7% | -0.9% |
| 1Y | 43.0% | 18.0% | 14.2% |
Return vs Industry: HBT exceeded the US Banks industry which returned 17.9% over the past year.
Return vs Market: HBT exceeded the US Market which returned 14.1% over the past year.
Price Volatility
| HBT volatility | |
|---|---|
| HBT Average Weekly Movement | 3.1% |
| Banks Industry Average Movement | 3.1% |
| Market Average Movement | 6.9% |
| 10% most volatile stocks in US Market | 15.3% |
| 10% least volatile stocks in US Market | 2.9% |
Stable Share Price: HBT has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: HBT's weekly volatility (3%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1920 | 826 | J. Carter | ir.hbtfinancial.com |
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.
HBT Financial, Inc. Fundamentals Summary
| HBT fundamental statistics | |
|---|---|
| Market cap | US$1.33b |
| Earnings (TTM) | US$77.75m |
| Revenue (TTM) | US$265.92m |
Is HBT overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| HBT income statement (TTM) | |
|---|---|
| Revenue | US$265.92m |
| Cost of Revenue | US$0 |
| Gross Profit | US$265.92m |
| Other Expenses | US$188.18m |
| Earnings | US$77.75m |
Last Reported Earnings
Jun 30, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 2.14 |
| Gross Margin | 100.00% |
| Net Profit Margin | 29.24% |
| Debt/Equity Ratio | 20.0% |
How did HBT perform over the long term?
See historical performance and comparisonDividends
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/09/13 02:40 |
| End of Day Share Price | 2026/09/11 00:00 |
| Earnings | 2026/06/30 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
HBT Financial, Inc. is covered by 9 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jeffrey Rulis | D.A. Davidson & Co. |
| null null | D.A. Davidson & Co. |
| Brendan Nosal | Hovde Group, LLC |