Financial Services
HBT Financial, Inc.(HBT)
Live Price
Offline$30.30
+1.51% today
1Y Change
+23.12%
Window
Jun 25, 2025 โ Jun 18, 2026
- Market Cap
- $870.00M
- Revenue Growth
- +2.8%
- EPS Growth
- +7.5%
- Dividend Yield
- 3.1%
Coverage: 247 bars ยท Jun 25, 2025 โ Jun 18, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
HBT Financial, Inc. (HBT) is a Financial Services stock with a market cap of $870.00M and listed on NASDAQ. The stock last traded around $30.30 and up 23.1% across the available one-year price window (Jun 25, 2025 โ Jun 18, 2026). Baseline metrics include revenue growth of +2.8%, EPS growth of +7.5%, a dividend yield of 3.1%. What stands out right now is revenue +2.8%, EPS +7.5%, free cash flow -12.9% with operating margin 30.9% and ROIC 5.2%. The dividend matters to the case here, with a current yield around 3.1%. Valuation is more restrained than many high-expectation growth names at P/E 13.3 and price/sales 2.9. Overall, the current profile looks closer to a income-oriented value setup than a generic broad-market placeholder. Stock Foundry combines HBT price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Financial Services peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Near sector median
+2.8% vs +3.4% peer median
Operating Margin
Above sector median
+30.9% vs +4.7% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2026 was reported on Apr 20, 2026, but the surprise data is still limited.
The operating story is still moving forward
Revenue is running at +2.8% and EPS at +7.5%, with operating margin around 30.9%.
Shareholder return is still part of the story
The stock is still offering a dividend yield around 3.1%, which matters if the thesis depends on income as much as growth.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged +0.6% over the next 5 trading days and finished higher after 1 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2026 Apr 20, 2026 | โ | -1.8% | -2.2% | -2.9% |
2026 Jan 26, 2026 | +0.0% | +0.6% | +4.3% | +1.8% |
2025 Oct 20, 2025 | +4.8% | +1.0% | -0.2% | -6.7% |
Benchmark Edge
HBT vs SPY, QQQ, and Sector ETFs
Normalized return, excess return, max drawdown, and calendar-year wins against the benchmarks investors actually use.
HBT
โ
Normalized return
SPY
--
S&P 500
Excess Return
--
Relative to SPY
HBT Max Drawdown
-14.16%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for HBT and SPY.
Company Overview
HBT Financial, Inc.
NASDAQ Global Select
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.
- Leadership
- J. Lance Carter
- IPO Date
- Oct 11, 2019
- Employees
- 844
- Street Address
- 401 North Hershey Road
- Mailing
- Bloomington, IL, 61704
- Region
- Bloomington, IL, US
- Reporting Currency
- USD
- Investor Line
- 888 897 2276
- Last Updated
- Apr 29, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- 13.3
- EV/EBITDA
- 10.1
- Price/Sales
- 2.9
- Price/Book
- 1.2
Growth
- Revenue
- +2.8%
- EPS
- +7.5%
- Free Cash Flow
- -12.9%
Profitability
- Gross Margin
- 80.6%
- Operating Margin
- 30.9%
- Net Margin
- 22.7%
- ROE
- 10.9%
- ROIC
- 5.2%
Balance Sheet
- Debt/Equity
- 0.21
- Current Ratio
- 217.73
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.