HBT

HBT Financial Inc

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24.360

0(0.000%)1D

Overview
Forecast
Valuation
Earnings

Line

Candle

YTD

High

24.360

Open

24.360

VWAP

24.36

Vol

239.00

Mkt Cap

767.23M

Low

24.360

Amount

5.82K

EV/EBITDA(TTM)

7.59

Total Shares

31.59M

841.93M

EV/OCF(TTM)

11.27

P/S(TTM)

3.60

HBT Financial, Inc. is a bank holding company for Heartland Bank and Trust Company (the Bank). The Bank provides a comprehensive suite of financial products and services to consumers, businesses, and municipal entities throughout Illinois and Eastern Iowa. Its products and services are primarily deposit, lending, and ancillary products that offer a broad range of options to meet the financial needs of consumers, businesses, and municipal entities. It also provides traditional trust and investment services, farmland management, and farmland sales through its wealth management division. It offers a broad 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 multifamily; commercial and industrial (C&I) and owner-occupied CRE; agricultural and farmland; and one-to-four family residential loans. It also provides municipal, consumer and other loans.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q3

FY2025Q4

FY2026Q1

60.31M

+6.85%

0.620

+1.64%

60.87M

+2.14%

0.628

+1.29%

59.87M

+2.24%

0.590

-3.28%

Estimates Revision

The market is revising Upward the revenue expectations for HBT Financial, Inc. (HBT) for FY2025, with the revenue forecasts being adjusted by 0.13% over the past three months. During the same period, the stock price has changed by 2.01%.

Revenue Estimates for FY2025

Revise Upward

+0.13%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+0.55%

In Past 3 Month

Stock Price

Go Up

+2.01%

In Past 3 Month

6 Analyst Rating

21.10% Upside

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 is 29.50 USD with a low forecast of 27.00 USD and a high forecast of 31.00 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.

4 Buy

2 Hold

0 Sell

Moderate Buy

21.10% Upside

Current: 24.360

Low

27.00

Averages

29.50

High

31.00

21.10% Upside

Current: 24.360

Low

27.00

Averages

29.50

High

31.00

Keefe Bruyette

Outperform

maintain

$28 -> $30

2025-07-22

Reason

Keefe Bruyette

Price Target

$28 -> $30

2025-07-22

maintain

Outperform

Reason

Keefe Bruyette raised the firm's price target on HBT Financial to $30 from $28 and keeps an Outperform rating on the shares. Loan growth should get back on track in the back half of the year, which should benefit margin, the analyst tells investors in a research note.

Raymond James

Outperform

maintain

$24 -> $30

2025-07-22

Reason

Raymond James

Price Target

$24 -> $30

2025-07-22

maintain

Outperform

Reason

Raymond James raised the firm's price target on HBT Financial to $30 from $24 and keeps an Outperform rating on the shares. Pretax pre-provision income modestly beat expectations where net interest margin expanded, core fees grew and operating expenses were well-controlled, and while elevated payoffs weighed on loan growth, slower payoff activity and improved pipelines support stronger growth in the second half of 2025, the analyst tells investors in a research note.

Piper Sandler

Neutral

maintain

$26 -> $29

2025-07-22

Reason

Piper Sandler

Price Target

$26 -> $29

2025-07-22

maintain

Neutral

Reason

Piper Sandler raised the firm's price target on HBT Financial to $29 from $26 and keeps a Neutral rating on the shares. Apart from lower-than-anticipated loans and deposits, the firm believes this was another solid quarter with PPNR essentially in-line ex. recoveries and as profitability remained well-above peers. Piper continues to believe HBT is an attractive defensive and long-term holding given its far superior profitability outlook, building excess capital, and very conservative credit profile, among its various other attributes. However, the firm prefers greater visibility of catalysts to become more constructive.

DA Davidson

Neutral

maintain

$23 -> $27

2025-07-22

Reason

DA Davidson

Price Target

$23 -> $27

2025-07-22

maintain

Neutral

Reason

DA Davidson raised the firm's price target on HBT Financial to $27 from $23 and keeps a Neutral rating on the shares. Improving profitability while also managing a clean credit profile is "commendable" despite reduced loan growth expectations, the analyst tells investors in a research note.

Piper Sandler

Nathan Race

Hold

Maintains

$27 → $26

2025-01-24

Reason

Piper Sandler

Nathan Race

Price Target

$27 → $26

2025-01-24

Maintains

Hold

Reason

Piper Sandler analyst Nathan Race lowered the firm's price target on HBT Financial to $26 from $27 and keeps a Neutral rating on the shares. The firm notes the company's results in Q4 exceeded expectations driven by a more resilient net interest margin, a pick-up in growth on both balance sheet sides, and continued strong cost controls. Credit quality remained solid and is expected to remain a non-issue. Piper also believes HBT is advantageously positioned in the current rate environment/outlook to generate greater net interest income growth than previously anticipated. The firm stays on the sidelines until more consistent and stronger loan growth emerges and/or HBT is able to leverage excess TCE/improve EPS growth via additional likely well-received M&A.

Keefe, Bruyette & Woods

Damon Delmonte

Buy

Maintains

$25 → $27

2024-12-04

Reason

Keefe, Bruyette & Woods

Damon Delmonte

Price Target

$25 → $27

2024-12-04

Maintains

Buy

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for HBT Financial Inc (HBT.O) is 9.91, compared to its 5-year average forward P/E of 9.37. 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.

Fair

5Y Average PE

9.37

Current PE

9.91

Overvalued PE

10.51

Undervalued PE

8.23

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.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

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.

Overvalued

5Y Average PS

2.81

Current PS

3.18

Overvalued PS

3.12

Undervalued PS

2.50