Hbt Financial Inc (HBT)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 35.80 $ — 95% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
5 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 16.2% passed
- More than 10% revenue growth is expected for the coming year 6.3% failed
- Share count grows by less than 3% a year 2.8% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 28.4% failed
- Gross margin at 40% or higher and without meaningful erosion 80.0% failed
- Goodwill from acquisitions does not grow faster than revenue 1.2% failed
- Net debt below twice EBITDA 772 m net cash passed
- Operating cash flow covers the profits of the last three years 26 m passed
- Return on capital at 15% or higher, or up versus two years ago 5.1% failed
- Insiders hold at least 10% or are net buyers 56.4% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 6.7% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 5
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 3.05 | 3.00 – 3.08 | 316 | 20.9% | 5 |
| 12/31/2027 | 3.18 | 3.11 – 3.25 | 339 | 4.3% | 5 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.64 | 10.80 | 74 | 5.10 | 27.50 | 17 | 16 |
| 2025: Q1 | 0.60 | 25.40 | 72 | 7.30 | 26.50 | 30 | 29 |
| 2025: Q2 | 0.61 | 6.90 | 73 | 1.50 | 26.30 | 14 | 11 |
| 2025: Q3 | 0.63 | 9.40 | 74 | 2.20 | 26.70 | 17 | 15 |
| 2025: Q4 | 0.60 | -6.10 | 74 | 0.70 | 25.50 | 24 | 19 |
| 2026: Q1 | 0.34 | -43.90 | 83 | 14.80 | 13.50 | 29 | 26 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 164 | 60 | 59 | 2.22 | 68 | – | – |
| 2017 | 158 | 57 | 56 | 2.13 | 72 | 324 | 3,313 |
| 2018 | 166 | 65 | 64 | 2.42 | 80 | 340 | 3,250 |
| 2019 | 174 | 72 | 67 | 3.33 | 89 | 3,208 | 3,245 |
| 2020 | 157 | 50 | 37 | 1.34 | 31 | 3,590 | 3,667 |
| 2021 | 164 | 77 | 56 | 2.02 | 43 | 4,237 | 4,314 |
| 2022 | 187 | 76 | 56 | 1.95 | 73 | 374 | 4,287 |
| 2023 | 264 | 89 | 66 | 2.07 | 66 | 490 | 5,073 |
| 2024 | 285 | 97 | 72 | 2.26 | 89 | 545 | 5,033 |
| 2025 | 293 | 105 | 77 | 2.45 | 85 | 616 | 5,071 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
HBT Financial, Inc. ist die Bankholding der Heartland Bank and Trust Company, die Finanzprodukte und -dienstleistungen für Verbraucher, Unternehmen und kommunale Einrichtungen in Illinois und Ost-Iowa anbietet.
| Employees | 826 |
|---|---|
| Headquarters | Bloomington, IL |
| Address | 401 North Hershey Road, 61704 Bloomington, United States |
| Phone | 309 662 4444 |
| Website | ir.hbtfinancial.com |
| IPO Date | 11. Oct 2019 |
| ISIN | US4041111067 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Fred L. Drake | Executive Chairman | 1957 |
| J. Lance Carter | President, CEO & Director | 1971 |
| Peter R. Chapman | Executive VP & CFO | 1974 |
| Mark W. Scheirer | Executive VP & Chief Credit Officer | 1971 |
| Lawrence J. Horvath | Executive VP & Chief Lending Officer | 1964 |
| Renee K. Fehr | General Counsel & Corporate Secretary | – |
| Andrea E. Zurkamer | Executive VP & Chief Risk Officer | 1978 |
| Chris J. Ryan | Executive VP & Chief Retail Officer | – |
| James E. Lyons | VP & Controller | – |
| Matthew J. Doherty | Treasurer | 1962 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.