HBT Financial (HBT) Stock Price, News & Analysis

Company Overview

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 in Central and Northeastern Illinois, and Eastern Iowa. 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, and farmland sales and services; commercial checking accounts; 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. 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.

Key Stats

• Today's Range: $19.46 to $21.26
• 50-Day Range: $21.07 to $25.55
• 52-Week Range: $18.00 to $26.25
• Volume: 46,413 shs
• Average Volume: 31,781 shs
• Market Capitalization: $664.95 million
• P/E Ratio: 9.32
• Dividend Yield: 3.99%
• Price Target: $24.75
• Consensus Rating: Hold

HBT Financial Stock Analysis - MarketRank™

HBT Financial scored higher than 59% of companies evaluated by MarketBeat, and ranked 559th out of 932 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

HBT Financial has received a consensus rating of Hold. The company's average rating score is 2.17, and is based on 2 buy ratings, 3 hold ratings, and 1 sell rating.

Amount of Analyst Coverage

HBT Financial has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 2.14%

Earnings Growth

Earnings for HBT Financial are expected to grow by 2.14% in the coming year, from $2.34 to $2.39 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of HBT Financial is 9.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.15.

Price to Earnings Ratio vs. Sector

The P/E ratio of HBT Financial is 9.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.44.

Price to Book Value per Share Ratio

HBT Financial has a P/B Ratio of 1.36. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.66% of the float of HBT Financial has been sold short.

Short Interest Ratio / Days to Cover

HBT Financial has a short interest ratio ("days to cover") of 2.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in HBT Financial has recently increased by 15.10%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Leadership

HBT Financial is a leading dividend payer. It pays a dividend yield of 3.76%, putting its dividend yield in the top 25% of dividend-paying stocks.

Dividend Growth

HBT Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of HBT Financial is 37.17%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, HBT Financial will have a dividend payout ratio of 35.15% next year. This indicates that HBT Financial will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.66% of the float of HBT Financial has been sold short.

Short Interest Ratio / Days to Cover

HBT Financial has a short interest ratio ("days to cover") of 2.2, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in HBT Financial has recently increased by 15.10%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for HBT Financial this week, compared to 2 articles on an average week.

Search Interest

2 people have searched for HBT on MarketBeat in the last 30 days.

Company Ownership

• Score: 4.2 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, HBT Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $969,500.00 in company stock.

Percentage Held by Insiders

59.80% of the stock of HBT Financial is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

78.55% of the stock of HBT Financial is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

HBT Stock Analysis - Frequently Asked Questions

How have HBT shares performed this year?

HBT Financial's stock was trading at $21.90 at the beginning of the year. Since then, HBT stock has decreased by 3.8% and is now trading at $21.07.
View the best growth stocks for 2025 here.

How were HBT Financial's earnings last quarter?

HBT Financial, Inc. (NASDAQ:HBT) released its quarterly earnings results on Wednesday, January, 22nd. The company reported $0.62 earnings per share (EPS) for the quarter, beating the consensus estimate of $0.58 by $0.04. HBT Financial had a net margin of 24.99% and a trailing twelve-month return on equity of 14.57%.

Is HBT Financial doing a stock buyback?

HBT Financial's board initiated a stock repurchase program on Wednesday, December 18th 2024, which allows the company to repurchase $15,000,000 in shares, according to EventVestor. This means that the company could buy up to 2.1% of its stock through open market purchases. Stock buyback programs are often an indication that the company's board of directors believes its shares are undervalued.

When did HBT Financial IPO?

HBT Financial (HBT) raised $149 million in an initial public offering (IPO) on Friday, October 11th 2019. The company issued 8,300,000 shares at a price of $17.00-$19.00 per share. Keefe, Bruyette & Woods (A Stifel Company) and J.P. Morgan acted as the underwriters for the IPO and RAYMOND JAMES, Sandler O'Neill + Partners and D.A. Davidson & Co. were co-managers.

How do I buy shares of HBT Financial?

Shares of HBT stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of HBT Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that HBT Financial investors own include JPMorgan Chase & Co. (JPM), Tesla (TSLA), Advanced Micro Devices (AMD), NVIDIA (NVDA), Meta Platforms (META), Home Depot (HD) and Visa (V).

Company Calendar

• Last Earnings: 1/22/2025
• Record date for 2/11 Dividend: 2/04/2025
• Ex-Dividend for 2/11 Dividend: 2/04/2025
• Dividend Payable: 2/11/2025
• Today: 4/06/2025
• Next Earnings (Estimated): 4/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:HBT
• CIK: 775215
• Web: www.hbtbank.com
• Phone: 888-897-2276
• Fax: N/A
• Employees: 730
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $24.75
• High Stock Price Target: $27.00
• Low Stock Price Target: $23.00
• Potential Upside/Downside: +17.5%
• Consensus Rating: Hold
• Rating Score (0-4): 2.17
• Research Coverage: 6 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $2.26
• Trailing P/E Ratio: 9.32
• Forward P/E Ratio: 9.00
• P/E Growth: N/A
• Net Income: $71.78 million
• Net Margins: 24.99%
• Pretax Margin: 33.44%
• Return on Equity: 14.57%
• Return on Assets: 1.50%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 0.82
• Quick Ratio: 0.82

Sales & Book Value

• Annual Sales: $222.37 million
• Price / Sales: 2.99
• Cash Flow: $2.36 per share
• Price / Cash Flow: 8.92
• Book Value: $15.44 per share
• Price / Book: 1.36

Miscellaneous

• Outstanding Shares: 31,559,000
• Free Float: 12,687,000
• Market Cap: $664.95 million
• Optionable: Optionable
• Beta: 0.62