Symbols / HBT Stock $28.95 +1.05% HBT Financial, Inc.

Financial Services • Banks - Regional • United States • NMS
HBT (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. J. Lance Carter
Exch · Country NMS · United States
Market Cap 1.05B
Enterprise Value 919.64M
Income 69.13M
Sales 243.97M
FCF (ttm) —
Book/sh 20.54
Cash/sh 8.00
Employees 826
Insider 10d —
IPO Oct 11, 2019
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 39.45%
P/E 13.28
Forward P/E 9.44
PEG —
P/S 4.32
P/B 1.41
P/C —
EV/EBITDA —
EV/Sales 3.77
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.18
EPS next Y 3.07
EPS Growth -43.70%
Revenue Growth 17.50%
EPS Gr Q/Q -41.30%
Rev Gr Q/Q —
Earnings (next) 2026-07-27
Earnings (prior) 2026-04-27
ROA 1.17%
ROE 10.53%
ROIC —
Gross Margin 0.00%
Oper. Margin 44.18%
Profit Margin 28.34%
Shs Outstand 36.38M
Shs Float 15.82M
Insider Own 56.38%
Instit Own 22.85%
Short Float 0.95%
Short Ratio 2.20
Short Interest 165.87K
52W High 29.88
vs 52W High -3.11%
52W Low 22.36
vs 52W Low 29.47%
Beta 0.53
Impl. Vol. 51.86%
Rel Volume 1.16
Avg Volume 80.43K
Volume 93.62K
Target (mean) $32.00
Tgt Median $32.00
Tgt Low $31.00
Tgt High $33.00
# Analysts 5
Recom None
Prev Close $28.65
Price $28.95
Change 1.05%
About

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. In addition, the company offers digital banking services comprising online banking, mobile banking, digital payments, and personal financial management tools; small business and commercial checking accounts, and treasury management services; financial planning to consumers, trusts, and estates; and trustee and custodial services. Further, it provides investment management services; corporate retirement plan consulting and administration; retail brokerage services; farm management services, broker farmland sale, and crop insurance. 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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$32.00
Mean price target
2. Current target
$28.95
Latest analyst target
3. DCF / Fair value
$32.70
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$28.95
Low
$31.00
High
$33.00
Mean
$32.00

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-28 main DA Davidson Neutral → Neutral $31
2026-04-28 main Piper Sandler Neutral → Neutral $32
2026-03-13 main Piper Sandler Neutral → Neutral $30
2026-01-07 up Raymond James Market Perform → Outperform $30
2025-10-21 main Piper Sandler Neutral → Neutral $28
2025-07-22 reit Raymond James Outperform → Outperform $30
2025-07-22 main DA Davidson Neutral → Neutral $27
2025-07-22 main Piper Sandler Neutral → Neutral $29
2025-07-22 main Keefe, Bruyette & Woods Outperform → Outperform $30
2025-05-06 up Hovde Group Market Perform → Outperform —
2025-01-24 main Piper Sandler Neutral → Neutral $26
2024-12-04 main Keefe, Bruyette & Woods Outperform → Outperform $27
2024-10-22 main Piper Sandler Neutral → Neutral $24
2024-09-25 down DA Davidson Buy → Neutral $24
2024-07-23 main JP Morgan Underweight → Underweight $24
2024-07-23 main Piper Sandler Neutral → Neutral $25
2024-07-23 reit Keefe, Bruyette & Woods Outperform → Outperform $27
2024-06-27 main JP Morgan Underweight → Underweight $21
2024-05-10 up Raymond James Market Perform → Outperform $23
2024-04-23 main JP Morgan Underweight → Underweight $22
News
RSS: Latest HBT news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-30 SCHEIRER MARK W Officer — 4,118 $0.00 $0
2026-04-28 DRAKE FRED L Officer, Director and Beneficial Owner — 15,742 $28.93 $455,416
2026-03-16 BUSCH PATRICK F Director — 15,000 $26.48 $397,200
2026-03-16 HORVATH LAWRENCE J Officer — 5,000 $26.60 $133,000
2026-03-10 BURWELL ERIC E Director — 4,000 $26.24 $104,960
2026-02-27 CHAPMAN PETER ROBERT Chief Financial Officer — 6,818 $0.00 $0
2026-02-27 ZURKAMER ANDREA E Officer — 2,336 $0.00 $0
2026-02-27 DRAKE FRED L Officer, Director and Beneficial Owner — 10,426 $0.00 $0
2026-02-27 BOWMAN C ALVIN Director — 600 $0.00 $0
2026-02-27 DRAKE ALLEN C Director — 600 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
235.74
+6.01%
222.37
-1.48%
225.72
+25.72%
179.54
Operating Revenue
235.74
+6.01%
222.37
-1.48%
225.72
+25.72%
179.54
Selling General And Administration
86.30
+3.95%
83.02
-2.12%
84.81
+30.36%
65.06
Selling And Marketing Expense
4.18
-3.17%
4.32
-14.34%
5.04
+32.61%
3.80
General And Administrative Expense
82.11
+4.34%
78.69
-1.35%
79.77
+30.22%
61.26
Salaries And Wages
79.88
+4.50%
76.44
-1.35%
77.49
+28.95%
60.09
Other Gand A
—
—
—
—
Reconciled Depreciation
5.93
+2.47%
5.78
+0.09%
5.78
+47.55%
3.92
Total Unusual Items
-0.47
+23.00%
-0.61
-191.90%
0.67
+474.72%
-0.18
Total Unusual Items Excluding Goodwill
-0.47
+23.00%
-0.61
-191.90%
0.67
+474.72%
-0.18
Special Income Charges
-0.39
0.00
0.00
—
Net Income
77.01
+7.28%
71.78
+9.02%
65.84
+16.63%
56.46
Pretax Income
104.51
+7.31%
97.38
+9.94%
88.58
+16.26%
76.19
Net Interest Income
198.90
+5.32%
188.85
-1.16%
191.07
+30.98%
145.87
Interest Expense
56.89
-9.48%
62.85
+65.71%
37.93
+428.23%
7.18
Interest Income
255.78
+1.62%
251.70
+9.91%
229.00
+49.62%
153.05
Gain On Sale Of Security
-0.19
+94.86%
-3.76
-126.27%
-1.66
-300.97%
-0.41
Tax Provision
27.50
+7.40%
25.60
+12.60%
22.74
+15.23%
19.73
Tax Rate For Calcs
0.00
+0.00%
0.00
+2.33%
0.00
-0.78%
0.00
Tax Effect Of Unusual Items
-0.12
+23.00%
-0.16
-194.05%
0.17
+471.81%
-0.05
Net Income Including Noncontrolling Interests
77.01
+7.28%
71.78
+9.02%
65.84
+16.63%
56.46
Net Income From Continuing Operation Net Minority Interest
77.01
+7.28%
71.78
+9.02%
65.84
+16.63%
56.46
Net Income From Continuing And Discontinued Operation
77.01
+7.28%
71.78
+9.02%
65.84
+16.63%
56.46
Net Income Continuous Operations
77.01
+7.28%
71.78
+9.02%
65.84
+16.63%
56.46
Normalized Income
77.36
+7.09%
72.23
+10.54%
65.35
+15.48%
56.59
Net Income Common Stockholders
77.01
+7.28%
71.78
+9.02%
65.84
+16.63%
56.46
Diluted EPS
2.44
+7.96%
2.26
+9.18%
2.07
-0.96%
2.09
Basic EPS
2.44
+7.49%
2.27
+9.13%
2.08
-0.48%
2.09
Basic Average Shares
31.50
-0.28%
31.59
-0.11%
31.63
+9.61%
28.85
Diluted Average Shares
31.61
-0.32%
31.71
-0.30%
31.81
+10.24%
28.85
Diluted NI Availto Com Stockholders
77.01
+7.28%
71.78
+9.02%
65.84
+16.63%
56.46
Amortization
2.73
-3.98%
2.84
+6.33%
2.67
+205.84%
0.87
Amortization Of Intangibles Income Statement
2.73
-3.98%
2.84
+6.33%
2.67
+205.84%
0.87
Depreciation Amortization Depletion Income Statement
2.73
-3.98%
2.84
+6.33%
2.67
+205.84%
0.87
Depreciation And Amortization In Income Statement
2.73
-3.98%
2.84
+6.33%
2.67
+205.84%
0.87
Insurance And Claims
2.23
-0.89%
2.25
-1.14%
2.28
+95.88%
1.16
Occupancy And Equipment
12.99
+5.66%
12.30
-3.23%
12.71
+25.21%
10.15
Other Non Interest Expense
25.66
+7.84%
23.80
-18.97%
29.37
+4.98%
27.98
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
5,071.39
+0.76%
5,032.90
-0.79%
5,073.17
+18.35%
4,286.73
Cash And Cash Equivalents
122.27
-11.20%
137.69
-2.87%
141.76
+24.18%
114.16
Cash Financial
24.42
-17.36%
29.55
+12.55%
26.26
+38.41%
18.97
Other Short Term Investments
521.85
-25.24%
698.05
-8.09%
759.46
-9.97%
843.52
Receivables
23.78
-4.00%
24.77
+0.96%
24.53
+25.78%
19.51
Accounts Receivable
23.78
-4.00%
24.77
+0.96%
24.53
+25.78%
19.51
Net PPE
73.64
+10.31%
66.76
+2.47%
65.15
+29.09%
50.47
Gross PPE
125.75
+0.84%
124.70
+3.77%
120.16
+17.37%
102.38
Accumulated Depreciation
-52.11
+10.07%
-57.94
-5.32%
-55.01
-5.97%
-51.91
Properties
105.28
+6.97%
98.43
+4.76%
93.95
+20.66%
77.87
Machinery Furniture Equipment
20.46
-22.10%
26.27
+0.25%
26.20
+6.91%
24.51
Goodwill And Other Intangible Assets
91.88
-4.78%
96.49
-3.03%
99.50
+145.45%
40.54
Goodwill
59.82
+0.00%
59.82
+0.00%
59.82
+104.01%
29.32
Other Intangible Assets
32.06
-12.57%
36.67
-7.59%
39.68
+253.78%
11.22
Investments And Advances
1,279.39
+6.13%
1,205.46
-6.44%
1,288.38
-7.40%
1,391.30
Long Term Equity Investment
1.61
+0.00%
1.61
+0.00%
1.61
+38.54%
1.17
Total Liabilities Net Minority Interest
4,455.89
-0.72%
4,488.30
-2.08%
4,583.67
+17.14%
3,913.10
Long Term Debt And Capital Lease Obligation
65.21
-38.27%
105.63
+0.71%
104.89
-55.78%
237.18
Long Term Debt
65.21
-38.27%
105.63
+0.71%
104.89
-55.78%
237.18
Stockholders Equity
615.50
+13.02%
544.61
+11.26%
489.50
+31.01%
373.63
Common Stock Equity
615.50
+13.02%
544.61
+11.26%
489.50
+31.01%
373.63
Capital Stock
0.33
+0.30%
0.33
+0.31%
0.33
+11.60%
0.29
Common Stock
0.33
+0.30%
0.33
+0.31%
0.33
+11.60%
0.29
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
32.90
+0.22%
32.83
+0.29%
32.73
+11.68%
29.31
Ordinary Shares Number
31.43
-0.40%
31.56
-0.43%
31.70
+10.24%
28.75
Treasury Shares Number
1.47
+15.74%
1.27
+22.50%
1.03
+86.17%
0.56
Additional Paid In Capital
—
—
295.88
+32.81%
222.78
Retained Earnings
367.16
+15.91%
316.76
+17.73%
269.05
+15.97%
232.00
Gains Losses Not Affecting Retained Earnings
275.53
+9.98%
250.53
+4.95%
238.71
+58.06%
151.02
Treasury Stock
27.52
+19.57%
23.02
+23.78%
18.60
+91.93%
9.69
Other Equity Adjustments
275.53
+9.98%
250.53
+4.95%
238.71
+58.06%
151.02
Total Equity Gross Minority Interest
615.50
+13.02%
544.61
+11.26%
489.50
+31.01%
373.63
Total Capitalization
680.71
+4.69%
650.24
+9.40%
594.38
-2.69%
610.81
Invested Capital
680.71
+4.69%
650.24
+9.40%
594.38
-2.69%
610.81
Total Debt
65.21
-38.27%
105.63
+0.71%
104.89
-55.78%
237.18
Net Debt
—
—
—
123.02
Net Tangible Assets
523.62
+16.85%
448.12
+14.90%
389.99
+17.08%
333.09
Tangible Book Value
523.62
+16.85%
448.12
+14.90%
389.99
+17.08%
333.09
Available For Sale Securities
304.52
+5023.15%
5.94
+1.35%
5.87
+17.16%
5.01
Cash Cash Equivalents And Federal Funds Sold
127.25
-10.88%
142.78
-4.13%
148.92
+21.94%
122.12
Held To Maturity Securities
451.42
-9.69%
499.86
-4.14%
521.44
-3.72%
541.60
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
85.07
-4.81%
89.37
+35.76%
65.83
-9.31%
72.59
Cash Flow From Continuing Operating Activities
85.07
-4.81%
89.37
+35.76%
65.83
-9.31%
72.59
Net Income From Continuing Operations
77.01
+7.28%
71.78
+9.02%
65.84
+16.63%
56.46
Depreciation Amortization Depletion
5.93
+2.47%
5.78
+0.09%
5.78
+47.55%
3.92
Depreciation
3.20
+8.70%
2.94
-5.28%
3.11
+2.14%
3.04
Amortization Cash Flow
2.73
-3.98%
2.84
+6.33%
2.67
+205.84%
0.87
Depreciation And Amortization
5.93
+2.47%
5.78
+0.09%
5.78
+47.55%
3.92
Amortization Of Intangibles
2.73
-3.98%
2.84
+6.33%
2.67
+205.84%
0.87
Other Non Cash Items
1.65
-17.09%
1.98
+195.68%
0.67
-88.17%
5.67
Stock Based Compensation
1.94
+10.90%
1.75
-10.29%
1.95
+0.21%
1.95
Asset Impairment Charge
0.20
-70.00%
0.67
+154.75%
0.26
-46.54%
0.49
Deferred Tax
0.33
-66.97%
1.00
-73.91%
3.82
+230.76%
-2.92
Deferred Income Tax
0.33
-66.97%
1.00
-73.91%
3.82
+230.76%
-2.92
Operating Gains Losses
-0.85
-139.75%
2.14
+1559.69%
0.13
+107.79%
-1.66
Gain Loss On Investment Securities
0.20
-94.59%
3.70
+103.13%
1.82
0.00
Unrealized Gain Loss On Investment Securities
-0.01
-111.86%
0.06
+136.88%
-0.16
-138.65%
0.41
Gain Loss On Sale Of PPE
0.09
+58.18%
0.06
+165.48%
-0.08
-833.33%
-0.01
Change In Working Capital
0.29
-93.15%
4.29
+122.99%
-18.66
-352.57%
7.39
Change In Receivables
0.99
+519.92%
-0.24
+87.68%
-1.92
+58.41%
-4.61
Changes In Account Receivables
0.99
+519.92%
-0.24
+87.68%
-1.92
+58.41%
-4.61
Change In Other Working Capital
-0.67
-0.45%
-0.67
-18.02%
-0.57
-245.12%
-0.16
Change In Other Current Assets
2.53
-21.66%
3.23
-14.83%
3.79
+137.29%
-10.16
Change In Other Current Liabilities
-2.55
-229.84%
1.97
+109.85%
-19.96
-189.46%
22.32
Investing Cash Flow
-39.64
-222.55%
32.35
-75.62%
132.66
+139.59%
-335.12
Cash Flow From Continuing Investing Activities
-39.64
-222.55%
32.35
-75.62%
132.66
+139.59%
-335.12
Net PPE Purchase And Sale
-10.17
-84.79%
-5.50
-89.01%
-2.91
-185.49%
-1.02
Purchase Of PPE
-10.25
-86.11%
-5.51
-75.69%
-3.13
-199.33%
-1.05
Sale Of PPE
0.08
+3700.00%
0.00
-99.10%
0.22
+722.22%
0.03
Capital Expenditure
-10.25
-86.11%
-5.51
-75.69%
-3.13
-199.33%
-1.05
Capital Expenditure Reported
—
—
—
0.00
Net Investment Purchase And Sale
-43.74
-148.47%
90.23
-68.33%
284.87
+230.96%
-217.52
Purchase Of Investment
-234.33
-122.44%
-105.34
-3368.65%
-3.04
+99.18%
-371.68
Sale Of Investment
190.59
-2.55%
195.57
-32.07%
287.90
+86.75%
154.17
Net Business Purchase And Sale
0.00
0.00
+100.00%
-14.45
0.00
Purchase Of Business
0.00
0.00
+100.00%
-14.45
0.00
Gain Loss On Sale Of Business
—
—
—
—
Net Other Investing Changes
1.71
-60.22%
4.30
-46.71%
8.07
+336.89%
-3.41
Financing Cash Flow
-60.85
+51.43%
-125.28
+26.91%
-171.40
-426.22%
-32.57
Cash Flow From Continuing Financing Activities
-60.85
+51.43%
-125.28
+26.91%
-171.40
-426.22%
-32.57
Net Issuance Payments Of Debt
-41.09
-19949.28%
0.21
+100.09%
-234.19
-246.37%
160.00
Issuance Of Debt
6.80
+649.72%
0.91
0.00
0.00
Repayment Of Debt
-47.89
-6741.14%
-0.70
+99.70%
-234.19
0.00
Long Term Debt Issuance
6.80
+649.72%
0.91
0.00
0.00
Long Term Debt Payments
-47.89
-6741.14%
-0.70
0.00
0.00
Net Long Term Debt Issuance
-41.09
-19949.28%
0.21
0.00
0.00
Short Term Debt Payments
0.00
0.00
+100.00%
-234.19
—
Net Short Term Debt Issuance
0.00
0.00
+100.00%
-234.19
-246.37%
160.00
Net Common Stock Issuance
-4.50
-1.85%
-4.42
+50.34%
-8.91
-86.22%
-4.78
Common Stock Payments
-4.50
-1.85%
-4.42
+50.34%
-8.91
-86.22%
-4.78
Cash Dividends Paid
-26.61
-10.03%
-24.18
-10.56%
-21.87
-17.70%
-18.58
Repurchase Of Capital Stock
-4.50
-1.85%
-4.42
+50.34%
-8.91
-86.22%
-4.78
Net Other Financing Charges
-0.69
-108.76%
-0.33
-82.87%
-0.18
-217.54%
-0.06
Changes In Cash
-15.42
-333.23%
-3.56
-113.14%
27.09
+109.18%
-295.11
Beginning Cash Position
137.69
-2.52%
141.25
+23.73%
114.16
-72.11%
409.27
End Cash Position
122.27
-11.20%
137.69
-2.52%
141.25
+23.73%
114.16
Free Cash Flow
74.82
-10.78%
83.87
+33.77%
62.70
-12.36%
71.54
Interest Paid Supplemental Data
58.17
-10.12%
64.72
+97.01%
32.85
+378.91%
6.86
Income Tax Paid Supplemental Data
26.61
+11.47%
23.88
+16.40%
20.51
+2.38%
20.04
Amortization Of Securities
2.26
-37.82%
3.64
-36.46%
5.73
-17.66%
6.96
Common Stock Issuance
—
—
—
—
Issuance Of Capital Stock
—
—
—
—
Sale Of Business
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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