HBT Financial Balance Sheet Health
Financial Health criteria checks 6/6
HBT Financial has total assets of $5.0B and total equity of $537.7M. Total deposits are $4.3B, and total loans are $3.3B. It earns a Net Interest Margin of 4.2%. It has sufficient allowance for bad loans, which are currently at 0.2% of total loans. Cash and short-term investments are $183.4M.
Key information
9.3x
Asset to equity ratio
4.2%
Net interest margin
| Total deposits | US$4.28b |
| Loan to deposit ratio | Appropriate |
| Bad loans | 0.2% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$183.39m |
Recent financial health updates
No updates
Recent updates
Here's Why We Think HBT Financial (NASDAQ:HBT) Might Deserve Your Attention Today
Dec 19
HBT Financial (NASDAQ:HBT) Has Announced That It Will Be Increasing Its Dividend To $0.19
Jan 27HBT Financial (NASDAQ:HBT) Will Pay A Larger Dividend Than Last Year At $0.17
May 02HBT Financial (NASDAQ:HBT) Has Announced That It Will Be Increasing Its Dividend To $0.17
Jan 28HBT Financial to acquire Town and Country Financial for ~$101.4M
Aug 23HBT Financial Non-GAAP EPS of $0.48 beats by $0.06, revenue of $42.92M beats by $0.78M
Jul 25HBT Financial (NASDAQ:HBT) Is Paying Out A Larger Dividend Than Last Year
May 01HBT Financial (NASDAQ:HBT) Has Announced That It Will Be Increasing Its Dividend To US$0.16
Jan 30HBT Financial (NASDAQ:HBT) Is Due To Pay A Dividend Of US$0.15
Oct 30HBT Financial (NASDAQ:HBT) Has Re-Affirmed Its Dividend Of US$0.15
Jul 31HBT Financial goes ex-dividend on Monday
May 07Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HBT's Assets to Equity ratio (9.3x) is low.
Allowance for Bad Loans: HBT has a sufficient allowance for bad loans (499%).
Low Risk Liabilities: 96% of HBT's liabilities are made up of primarily low risk sources of funding.
Loan Level: HBT has an appropriate level of Loans to Assets ratio (67%).
Low Risk Deposits: HBT's Loans to Deposits ratio (78%) is appropriate.
Level of Bad Loans: HBT has an appropriate level of bad loans (0.2%).
Discover healthy companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 11:04 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 here.
Analysis Model and Snowflake
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Learn about the world class team 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 .
Analyst Sources
HBT Financial, Inc. is covered by 6 analysts. 4 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. |
| Steven Alexopoulos | J.P. Morgan |