HBT Stock - HBT Financial, Inc.
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $285.21M | $263.64M | $186.72M | $164.23M | $156.77M |
| Gross Profit | $219.33M | $218.14M | $180.25M | $166.49M | $139.77M |
| Gross Margin | 76.9% | 82.7% | 96.5% | 101.4% | 89.2% |
| Operating Income | $97.38M | $88.58M | $76.19M | $76.56M | $49.57M |
| Net Income | $71.78M | $65.84M | $56.46M | $56.27M | $36.84M |
| Net Margin | 25.2% | 25.0% | 30.2% | 34.3% | 23.5% |
| EPS | $2.27 | $2.08 | $2.09 | $2.02 | $1.34 |
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, farmland sales, and crop insurance services; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. It operates through 57 branch locations in Central and Northeastern Illinois and four locations in Eastern Iowa. 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.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| October 7th 2025 | Raymond James | Downgrade | Market Perform | - |
| May 6th 2025 | Hovde Group | Upgrade | Outperform | $28 |
| March 27th 2025 | Hovde Group | Initiation | Market Perform | $24.5 |
| September 25th 2024 | DA Davidson | Downgrade | Neutral | $24← $26 |
| May 10th 2024 | Raymond James | Upgrade | Outperform | $23 |
| July 1st 2022 | JP Morgan | Downgrade | Underweight | $19← $20 |
Earnings History & Surprises
HBTEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 20, 2026 | — | — | — | — |
Q1 2026 | Jan 28, 2026 | $0.64 | — | — | — |
Q4 2025 | Oct 20, 2025 | $0.62 | $0.65 | +4.8% | ✓ BEAT |
Q3 2025 | Jul 21, 2025 | $0.60 | $0.63 | +5.0% | ✓ BEAT |
Q2 2025 | Apr 21, 2025 | $0.57 | $0.61 | +7.0% | ✓ BEAT |
Q1 2025 | Jan 22, 2025 | $0.58 | $0.62 | +6.9% | ✓ BEAT |
Q4 2024 | Oct 21, 2024 | $0.57 | $0.57 | 0.0% | = MET |
Q3 2024 | Jul 22, 2024 | $0.56 | $0.57 | +1.8% | ✓ BEAT |
Q2 2024 | Apr 22, 2024 | $0.55 | $0.57 | +3.6% | ✓ BEAT |
Q1 2024 | Jan 24, 2024 | $0.59 | $0.58 | -1.7% | ✗ MISS |
Q4 2023 | Oct 23, 2023 | $0.58 | $0.62 | +6.9% | ✓ BEAT |
Q3 2023 | Jul 24, 2023 | $0.60 | $0.55 | -8.3% | ✗ MISS |
Q2 2023 | Apr 26, 2023 | $0.56 | $0.64 | +14.3% | ✓ BEAT |
Q1 2023 | Jan 25, 2023 | $0.56 | $0.59 | +5.4% | ✓ BEAT |
Q4 2022 | Oct 24, 2022 | $0.50 | $0.54 | +8.0% | ✓ BEAT |
Q3 2022 | Jul 25, 2022 | $0.43 | $0.49 | +14.0% | ✓ BEAT |
Q2 2022 | Apr 25, 2022 | $0.41 | $0.47 | +14.6% | ✓ BEAT |
Q1 2022 | Jan 27, 2022 | $0.41 | $0.47 | +14.6% | ✓ BEAT |
Q4 2021 | Oct 25, 2021 | $0.43 | $0.50 | +16.3% | ✓ BEAT |
Q3 2021 | Jul 26, 2021 | $0.45 | $0.50 | +11.1% | ✓ BEAT |
Latest News
HBT Financial Announces $30M Stock Buyback Program
📈 PositivePiper Sandler Maintains Neutral on HBT Finl, Lowers Price Target to $27.5
➖ NeutralHBT Financial to acquire CNB Bank Shares in ~$170M stock and cash deal
📈 PositiveHBT Finl Q3 Adj. EPS $0.65 Beats $0.62 Estimate, Sales $59.835M Miss $60.302M Estimate
➖ NeutralFrequently Asked Questions about HBT
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