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HBT Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
27.360
Open
26.970
VWAP
27.22
Vol
2.91K
Mkt Cap
972.93M
Low
26.970
Amount
79.22K
EV/EBITDA(TTM)
8.98
Total Shares
36.41M
EV
1.01B
EV/OCF(TTM)
8.04
P/S(TTM)
3.84
HBT Financial, Inc. is the holding company for Heartland Bank and Trust Company. The Company's products and services are primarily deposit, lending, and ancillary products that offer a range of options to meet the financial needs of consumers, businesses, and municipal entities. It also provides a digital banking suite of products. It provides traditional trust and investment services, farmland management, and farmland sales through its wealth management division. It offers a range of lending products with a focus on regulatory commercial real estate (CRE), which includes non-owner occupied CRE, construction and land development (C&D) and multi-family; commercial and industrial (C&I) and owner-occupied CRE; agricultural and farmland, and one-to-four family residential loans. Its deposit accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, and others. It operates approximately 84 branch locations across Illinois, Eastern Iowa and Missouri.
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Events Timeline

(ET)
2026-03-02
07:20:00
HBT Financial Completes Merger with CNB Bank
select
2026-02-20 (ET)
2026-02-20
16:30:00
HBT Financial Files $150M Mixed Securities Shelf
select
2026-01-26 (ET)
2026-01-26
07:10:00
HBT Financial Reports Q4 Revenue of $60.44M
select
2025-12-18 (ET)
2025-12-18
08:20:00
HBT Financial Approves $30M Stock Repurchase Program
select
2025-10-20 (ET)
2025-10-20
07:12:13
HBT Financial announces Q3 adjusted earnings per share of 65 cents, surpassing consensus estimate of 62 cents.
select

News

Newsfilter
5.0
03-25Newsfilter
HBT Financial Appoints New Board Member
  • New Board Member: HBT Financial has appointed Michael J. Morton to its Board of Directors, effective April 1, 2026, with his term expiring at the 2026 Annual Meeting of Stockholders, indicating the company's commitment to leadership and ongoing growth strategy.
  • Extensive Banking Experience: Morton brings nearly 40 years of banking experience, having served as Vice Chair of U.S. Commercial Banking at BMO, where he oversaw staff development and risk across multiple states, suggesting his expertise will provide significant strategic guidance to HBT Financial.
  • Enhanced Leadership: Executive Chairman Fred L. Drake noted that Morton's leadership will be a tremendous asset, reflecting HBT Financial's confidence and determination in expanding the Heartland Bank franchise.
  • Financial Strength: As of December 31, 2025, HBT Financial reported total assets of $5.1 billion, total loans of $3.5 billion, and total deposits of $4.4 billion, demonstrating the company's solid position and growth potential in the financial market.
seekingalpha
8.5
03-11seekingalpha
HBT Financial Issues $85 Million Subordinated Notes
  • Bond Issuance Size: HBT Financial announced the issuance of $85 million in Fixed-to-Floating Rate Subordinated Notes, with an initial fixed rate of 5.75% for five years, which will reset quarterly based on the three-month SOFR rate plus 233 basis points, expected to enhance the company's capital structure.
  • Capital Compliance: The notes are intended to qualify as Tier 2 capital for regulatory purposes, helping the company maintain compliance in future capital adequacy assessments, thereby boosting market trust and investor confidence.
  • Redemption Options: HBT Financial has the option to redeem the notes in whole or in part after March 15, 2031, or to redeem them in full under certain limited circumstances, providing strategic flexibility for the company's capital management.
  • Share Repurchase Plan: HBT Financial also authorized a $30 million share repurchase program, demonstrating confidence in its stock value and potentially enhancing earnings per share by reducing the number of shares outstanding.
Newsfilter
8.5
03-02Newsfilter
HBT Financial Completes Merger with CNB Bank Shares
  • Merger Completion: HBT Financial has successfully completed its merger with CNB Bank Shares, with CNB Bank becoming a wholly-owned subsidiary of HBT, resulting in total assets of $5.1 billion and enhancing its competitive position in the central Illinois and Chicago MSA markets.
  • Market Expansion: This merger expands HBT Financial's footprint into the central Illinois and St. Louis MSAs, which is expected to increase its customer base and enhance service capabilities, thereby driving future business growth.
  • Board Expansion: Following the merger, the Boards of HBT Financial and Heartland Bank have appointed two new directors, James T. Ashworth and Nancy L. Ruyle, whose extensive community banking experience will support the company's strategic development.
  • Cultural Fit: HBT Financial's CEO emphasized that CNB's culture aligns well with HBT, and this merger not only enhances customer experience but also aims to achieve more efficient operations through resource integration, further solidifying its market position.
seekingalpha
9.5
01-26seekingalpha
HBT Financial Reports Q4 Results with Mixed Performance
  • Earnings Performance: HBT Financial reported a Q4 non-GAAP EPS of $0.64, aligning with market expectations, indicating stability in the company's profitability.
  • Revenue Growth Weakness: The company generated $60.44 million in revenue, a 2.4% year-over-year increase, but fell short of expectations by $0.56 million, reflecting increased competitive pressures in the market.
  • Return on Assets Metrics: HBT Financial achieved a return on average assets (ROAA) of 1.47%, a return on average stockholders' equity (ROAE) of 12.34%, and a return on average tangible common equity (ROATCE) of 14.08%, demonstrating consistent performance in capital efficiency.
  • Net Interest Margin Changes: The net interest margin decreased by 1 basis point to 4.12%, while the tax-equivalent net interest margin fell by 2 basis points to 4.16%, indicating some profitability pressure amid changing interest rate environments.
NASDAQ.COM
4.0
2025-11-26NASDAQ.COM
Essential Information on HBT Financial (HBT) Rating Increase to Buy
  • HBT Financial Upgrade: HBT Financial has been upgraded to a Zacks Rank #2 (Buy) due to a positive trend in earnings estimates, indicating potential for stock price increase.

  • Earnings Estimates Impact: The Zacks rating system emphasizes the importance of earnings estimate revisions, which are strongly correlated with near-term stock price movements, making it a valuable tool for investors.

  • Zacks Rank System: The Zacks Rank system classifies stocks based on earnings estimates, with only the top 20% receiving a "Buy" or "Strong Buy" rating, suggesting HBT Financial's strong potential for market-beating returns.

  • AI Investment Opportunities: The article also discusses the upcoming "AI Boom 2.0," highlighting the potential for significant wealth creation in the next wave of AI companies, contrasting with the leveling off of the initial AI stock surge.

NASDAQ.COM
9.5
2025-10-20NASDAQ.COM
HBT Financial, Inc. Reports Higher Q3 Profit, Surpassing Expectations
  • Earnings Performance: HBT Financial, Inc. reported third-quarter earnings of $19.76 million, or $0.63 per share, an increase from $18.18 million, or $0.57 per share, in the previous year, surpassing analyst expectations.

  • Revenue Growth: The company's revenue rose by 4.7% to $49.98 million compared to $47.73 million last year, indicating a positive trend in financial performance.

Wall Street analysts forecast HBT stock price to rise
4 Analyst Rating
Wall Street analysts forecast HBT stock price to rise
2 Buy
2 Hold
0 Sell
Moderate Buy
Current: 0.000
sliders
Low
27.00
Averages
29.13
High
32.00
Current: 0.000
sliders
Low
27.00
Averages
29.13
High
32.00
Piper Sandler
Nathan Race
Neutral
maintain
$29 -> $30
AI Analysis
2026-03-13
Reason
Piper Sandler
Nathan Race
Price Target
$29 -> $30
AI Analysis
2026-03-13
maintain
Neutral
Reason
Piper Sandler analyst Nathan Race raised the firm's price target on HBT Financial to $30 from $29 and keeps a Neutral rating on the shares. The firm is more positive on HBT with its highly complementary CNBN acquisition now closed and given compelling financial components, including mid-to-high teens EPS accretion and only about 3% TBV dilution.
Raymond James
Market Perform -> Outperform
upgrade
$30
2026-01-07
Reason
Raymond James
Price Target
$30
2026-01-07
upgrade
Market Perform -> Outperform
Reason
Raymond James upgraded HBT Financial to Outperform from Market Perform with a $30 price target. Current levels provide attractive risk-reward following solid Q3 results and its definitive agreement to acquire CNB Bank Shares, the analyst tells investors in a research note.
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Valuation Metrics

The current forward P/E ratio for HBT Financial, Inc (HBT.O) is 0.00, compared to its 5-year average forward P/E of 9.44. For a more detailed relative valuation and DCF analysis to assess HBT Financial, Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average PE
9.44
Current PE
0.00
Overvalued PE
10.56
Undervalued PE
8.31

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
0.36
Current EV/EBITDA
8.06
Overvalued EV/EBITDA
1.97
Undervalued EV/EBITDA
-1.24

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
2.85
Current PS
2.89
Overvalued PS
3.14
Undervalued PS
2.56

Financials

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Frequently Asked Questions

What is HBT Financial, Inc (HBT) stock price today?

The current price of HBT is 27.34 USD — it has increased 2.32

What is HBT Financial, Inc (HBT)'s business?

HBT Financial, Inc. is the holding company for Heartland Bank and Trust Company. The Company's products and services are primarily deposit, lending, and ancillary products that offer a range of options to meet the financial needs of consumers, businesses, and municipal entities. It also provides a digital banking suite of products. It provides traditional trust and investment services, farmland management, and farmland sales through its wealth management division. It offers a range of lending products with a focus on regulatory commercial real estate (CRE), which includes non-owner occupied CRE, construction and land development (C&D) and multi-family; commercial and industrial (C&I) and owner-occupied CRE; agricultural and farmland, and one-to-four family residential loans. Its deposit accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, and others. It operates approximately 84 branch locations across Illinois, Eastern Iowa and Missouri.

What is the price predicton of HBT Stock?

Wall Street analysts forecast HBT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HBT is29.13 USD with a low forecast of 27.00 USD and a high forecast of 32.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is HBT Financial, Inc (HBT)'s revenue for the last quarter?

HBT Financial, Inc revenue for the last quarter amounts to 55.51M USD, increased 5.82

What is HBT Financial, Inc (HBT)'s earnings per share (EPS) for the last quarter?

HBT Financial, Inc. EPS for the last quarter amounts to 0.60 USD, decreased -6.25

How many employees does HBT Financial, Inc (HBT). have?

HBT Financial, Inc (HBT) has 826 emplpoyees as of April 01 2026.

What is HBT Financial, Inc (HBT) market cap?

Today HBT has the market capitalization of 972.93M USD.