
HBT Financial, Inc.
HBTNASDAQFinancial ServicesBanks - Regional
Previous close
$35.75
+$0.29 · +0.82%
HBT company overview
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GoAI snapshot
AI-powered factor overview
GoAI score
Hold
Wait — insufficient conviction to act
Valuation
65
Undervalued
Momentum
57
Neutral
Sentiment
48
Mixed
Risk resilience
79
Moderate Risk
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
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Company profile
Company websiteHBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company, offering a comprehensive suite of financial products and services. They cater to a diverse client base, including individuals, businesses, and municipal entities, providing retail, commercial, and business banking solutions. Their deposit offerings encompass a variety of options, such as non-interest and interest-bearing demand accounts, money market accounts, savings accounts, certificates of deposit (CDs), health savings accounts (HSAs), and individual retirement accounts (IRAs). The company's extensive lending portfolio spans commercial real estate (both owner-occupied and investment properties), construction and land development, multi-family housing, commercial and industrial (C&I) loans, agricultural and farmland financing, and one-to-four family residential mortgages, as well as municipal and consumer loans. Beyond traditional banking, HBT Financial also provides robust wealth management services. These include financial planning for consumers, trusts, and estates; trustee and custodial responsibilities; investment management; corporate retirement plan consulting and administration; and retail brokerage. Further extending its offerings, the company provides specialized services like farmland management, sales, and crop insurance, in addition to treasury management solutions. It also originates residential mortgage loans and subsequently sells them. Modern digital banking solutions are readily available, encompassing online and mobile banking platforms, various digital payment services, and personal financial management tools. The company maintains an extensive branch network, with 57 locations situated across Central and Northeastern Illinois, complemented by four branches in Eastern Iowa. Established in 1920, HBT Financial, Inc. was originally known as Heartland Bancorp, Inc., before adopting its current name in September 2019. The company's headquarters are located in Bloomington, Illinois.
- Industry
- Banks - Regional
- Sector
- Financial Services
- Headquarters
- US
- CEO
- J. Lance Carter
- Listed since
- Oct 11, 2019
- Employees
- 826
Market position
Day range
Current $35.75
52-week range
Current $35.75
- Open
- $35.57
- Previous close
- $35.46
- Volume
- 128.42K
- 0.91× average
- Average volume
- 140.98K
- Average daily volume
- Market cap
- 1.3B USD
- Beta
- 0.51
- Market reference 1
- 50-day average
- $33.5058
- +6.70% above average
- 200-day average
- $28.5671
- +25.14% above average
Financials
Financial snapshot
Latest / TTMValuation & yield
- Enterprise value
- 853.37M USD
- P/E (TTM)
- 15.28×
- P/B (TTM)
- 1.7×
- P/S (TTM)
- 3.92×
- EV / EBITDA
- 7.79×
- Earnings yield
- 9.48%
- Free cash flow yield
- 9.21%
- Dividend yield
- 2.57%
Profitability & efficiency
- Gross margin
- 80.60%
- Operating margin
- 31.83%
- Net margin
- 23.46%
- Return on equity
- 12.51%
- Return on assets
- 1.52%
- Return on invested capital
- -3.81%
Financial health
- Debt / equity
- 0.2×
- Current ratio
- 0.28×
- Altman Z-score
- -0.41
- Piotroski F-score
- 6 of 9
Financial statements
Margin trends
Profitability as a percentage of reported revenue.
Income trends
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 293.33M USD | 285.22M USD | 263.64M USD | 186.72M USD | 164.23M USD |
| Cost of goods sold | 58.59M USD | 65.88M USD | 45.5M USD | 6.47M USD | −2.26M USD |
| Gross profit | 234.74M USD | 219.33M USD | 218.14M USD | 180.25M USD | 166.49M USD |
| Selling, general, and administrative | 93.84M USD | 83.02M USD | 84.81M USD | 65.06M USD | 59.9M USD |
| Operating expenses | 130.23M USD | 121.95M USD | 129.56M USD | 104.06M USD | 89.93M USD |
| Interest income | 255.78M USD | 251.7M USD | 229M USD | 153.05M USD | 128.22M USD |
| Interest expense | 56.89M USD | 62.85M USD | 37.93M USD | 7.18M USD | 5.82M USD |
| Depreciation and amortization | 5.07M USD | 5.78M USD | 5.78M USD | 3.92M USD | 4.13M USD |
| Operating income | 104.51M USD | 97.38M USD | 88.58M USD | 76.19M USD | 76.56M USD |
| Net income | 77.01M USD | 71.78M USD | 65.84M USD | 56.46M USD | 56.27M USD |
Company facts updated Aug 24, 2026.
Earnings
- EPS beat rate
- 73%
- 8 beats, 1 miss, 2 met estimates
- Average EPS surprise
- +3.95%
- 11 comparable reports
- Latest EPS result
- 0.78
- Estimate 0.73 · Beat by 6.27%
EPS: actual versus estimate
Recent quarterly results
Revenue: actual versus estimate
Recent quarterly results
Analyst ratings
Third-party consensus; not a GoAI recommendation.
Analyst price target
Average target
$38.00
6.29% upsideRating distribution
6 ratingsRecent analyst actions
HBT news
Corporate actions
Annual dividends per share
Cash distributions grouped by calendar year; partial years are marked.
$0.84
2025 complete year+40.0% since 2021
2026 partial: $0.71
$0.60
2,021
$0.64
2,022
$0.68
2,023
$0.76
2,024
$0.84
2,025
$0.71
2,026*
* Partial calendar year in the available dividend history.
Corporate action history
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
Dividend | Aug 11, 2026 | $0.25Quarterly | Aug 11, 2026 | Aug 18, 2026 |
Dividend | May 12, 2026 | $0.23Quarterly | May 12, 2026 | May 19, 2026 |
Dividend | Feb 9, 2026 | $0.23Quarterly | Feb 9, 2026 | Feb 17, 2026 |
Dividend | Nov 3, 2025 | $0.21Quarterly | Nov 3, 2025 | Nov 10, 2025 |
Dividend | Aug 5, 2025 | $0.21Quarterly | Aug 5, 2025 | Aug 12, 2025 |
Dividend | May 6, 2025 | $0.21Quarterly | May 6, 2025 | May 13, 2025 |
Ex-dividend Aug 11, 2026
$0.25
Quarterly
Record Aug 11, 2026 · Payment Aug 18, 2026
Ex-dividend May 12, 2026
$0.23
Quarterly
Record May 12, 2026 · Payment May 19, 2026
Ex-dividend Feb 9, 2026
$0.23
Quarterly
Record Feb 9, 2026 · Payment Feb 17, 2026
Ex-dividend Nov 3, 2025
$0.21
Quarterly
Record Nov 3, 2025 · Payment Nov 10, 2025
Ex-dividend Aug 5, 2025
$0.21
Quarterly
Record Aug 5, 2025 · Payment Aug 12, 2025
Ex-dividend May 6, 2025
$0.21
Quarterly
Record May 6, 2025 · Payment May 13, 2025
HBT peers
ETFs holding HBT
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI19.28M0.00%2.3T USD0.03%$378.24+0.44%
iShares Russell 2000 ETFIWM14.61M0.02%81.62B USD0.19%$299.96+0.77%
Vanguard Extended Market ETFVXF6.88M0.01%93.7B USD0.05%$245.53+0.82%
Avantis U.S. Small Cap Value ETFAVUV6.62M0.02%31.27B USD0.25%$126.45+0.66%
iShares Russell 2000 Value ETFIWN5.5M0.04%14.66B USD0.24%$224.81+0.45%
U.S. Micro Cap Portfolio ETFDFMC3.51M0.04%8.06B USD0.43%$60.95+0.73%
Vanguard Russell 2000 ETFVTWO3.27M0.02%17.4B USD0.06%$121.25+0.74%
Dimensional - US Small Cap ETFDFAS3.02M0.02%15.92B USD0.26%$83.02+0.73%
Vanguard Morningstar Total Stock Market ETFVTI- Market value
- 19.28M
- Weight
- 0.00%
- AUM
- 2.3T USD
- Expense ratio
- 0.03%
- Price / 1D
- $378.24+0.44%
iShares Russell 2000 ETFIWM- Market value
- 14.61M
- Weight
- 0.02%
- AUM
- 81.62B USD
- Expense ratio
- 0.19%
- Price / 1D
- $299.96+0.77%
Vanguard Extended Market ETFVXF- Market value
- 6.88M
- Weight
- 0.01%
- AUM
- 93.7B USD
- Expense ratio
- 0.05%
- Price / 1D
- $245.53+0.82%
Avantis U.S. Small Cap Value ETFAVUV- Market value
- 6.62M
- Weight
- 0.02%
- AUM
- 31.27B USD
- Expense ratio
- 0.25%
- Price / 1D
- $126.45+0.66%
iShares Russell 2000 Value ETFIWN- Market value
- 5.5M
- Weight
- 0.04%
- AUM
- 14.66B USD
- Expense ratio
- 0.24%
- Price / 1D
- $224.81+0.45%
U.S. Micro Cap Portfolio ETFDFMC- Market value
- 3.51M
- Weight
- 0.04%
- AUM
- 8.06B USD
- Expense ratio
- 0.43%
- Price / 1D
- $60.95+0.73%
Vanguard Russell 2000 ETFVTWO- Market value
- 3.27M
- Weight
- 0.02%
- AUM
- 17.4B USD
- Expense ratio
- 0.06%
- Price / 1D
- $121.25+0.74%
Dimensional - US Small Cap ETFDFAS- Market value
- 3.02M
- Weight
- 0.02%
- AUM
- 15.92B USD
- Expense ratio
- 0.26%
- Price / 1D
- $83.02+0.73%
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