HBT Financial (HBT) Stock Price

HBT Financial Price

NASDAQ·CLOSED
36.25USD+0.12 (+0.33 %)
Market closed

Over the last 9 years HBT Financial, grew revenue by 4.6% annually, reaching 236.44 M USD. Earnings per share have declined at 3.0% per year over the last 8 years. For HBT Financial,, the net margin of 32.6% is down versus 35.5% a few years ago. At today's price the dividend yield works out to roughly 2.32%. The payout ratio is around 34% of earnings. The dividend has grown at 7.0% per year over the past 5 years. The consensus 12-month price target for HBT Financial, is 30.60 USD, about 15.6% below where the stock trades today. Of 9 analysts, 6 rate the stock a buy — an overall Buy consensus. The stock trades about 59% above its 52-week low.

HBT Financial, stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of HBT Financial, over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how HBT Financial, stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing HBT Financial,'s price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

HBT Financial, Stock Price History
DateHBT Financial, Price
8/6/202636.25 USD
8/5/202636.13 USD
8/4/202636.14 USD
8/3/202635.79 USD
7/31/202635.84 USD
7/30/202635.86 USD
7/29/202636.47 USD
7/27/202634.33 USD
7/23/202632.52 USD
7/22/202632.38 USD
7/21/202632.91 USD
7/20/202632.83 USD
7/17/202632.77 USD
7/16/202633.39 USD
7/15/202632.23 USD
7/14/202631.77 USD
7/13/202632.04 USD
7/10/202632.06 USD
7/9/202631.88 USD
7/8/202631.68 USD
7/7/202632.23 USD
7/6/202632.31 USD
7/2/202632.18 USD
7/1/202632.74 USD
6/30/202631.99 USD
6/29/202631.40 USD
6/26/202631.75 USD
6/25/202631.62 USD
6/24/202631.47 USD
6/23/202631.13 USD
6/22/202630.52 USD
6/18/202630.06 USD
6/17/202630.10 USD
6/16/202630.25 USD
6/15/202630.25 USD
6/12/202630.47 USD
6/11/202630.06 USD
6/10/202629.99 USD
6/9/202629.76 USD
6/8/202629.39 USD
6/5/202628.95 USD
6/4/202628.36 USD
6/3/202627.86 USD
6/2/202628.49 USD
6/1/202628.30 USD
5/29/202628.67 USD
5/28/202628.30 USD
5/27/202628.79 USD
5/26/202628.66 USD
5/22/202628.50 USD
5/21/202628.15 USD
5/20/202628.21 USD
5/19/202627.61 USD
5/18/202627.59 USD
5/15/202627.10 USD
5/14/202627.47 USD
5/13/202627.10 USD
5/12/202627.43 USD
5/11/202627.65 USD
5/8/202628.40 USD
5/7/202628.39 USD
5/6/202628.11 USD
5/5/202627.80 USD
5/4/202627.57 USD
5/1/202628.05 USD
4/30/202627.76 USD
4/29/202627.98 USD
4/28/202628.64 USD
4/27/202627.79 USD
4/24/202628.16 USD
4/23/202628.09 USD
4/22/202627.86 USD
4/21/202627.89 USD
4/20/202628.41 USD
4/17/202628.77 USD
4/16/202628.16 USD
4/15/202628.40 USD
4/14/202628.45 USD
4/13/202628.46 USD
4/10/202628.25 USD
4/9/202628.67 USD
4/8/202628.24 USD
4/7/202627.60 USD
4/6/202627.35 USD
4/2/202627.44 USD
4/1/202627.18 USD
3/31/202626.72 USD
3/30/202627.09 USD
3/27/202626.52 USD
3/26/202626.73 USD
3/25/202626.74 USD
3/24/202626.80 USD
3/23/202626.62 USD
3/20/202626.21 USD
3/19/202626.18 USD
3/18/202626.18 USD
3/17/202626.55 USD
3/16/202626.54 USD
3/13/202626.17 USD
3/12/202626.32 USD
3/11/202625.93 USD
3/10/202626.21 USD
3/9/202625.99 USD
3/6/202626.27 USD
3/5/202626.91 USD
3/4/202627.69 USD
3/3/202627.35 USD
3/2/202627.51 USD
2/27/202626.96 USD
2/26/202627.94 USD
2/25/202627.88 USD
2/24/202627.25 USD
2/23/202627.28 USD
2/20/202628.38 USD
2/19/202628.49 USD
2/18/202628.54 USD
2/17/202629.31 USD
2/13/202629.03 USD
2/12/202628.77 USD
2/11/202628.31 USD
2/10/202628.50 USD
2/9/202629.03 USD
2/6/202629.51 USD
2/5/202629.27 USD
2/4/202628.76 USD
2/3/202628.29 USD
2/2/202627.92 USD
1/30/202626.98 USD
1/29/202626.92 USD
1/28/202626.49 USD
1/27/202626.93 USD
1/26/202626.76 USD
1/23/202627.57 USD
1/22/202628.56 USD
1/21/202628.36 USD
1/20/202626.90 USD
1/16/202627.26 USD
1/15/202627.26 USD
1/14/202626.67 USD
1/13/202626.46 USD
1/12/202626.36 USD
1/9/202626.45 USD
1/8/202626.82 USD
1/7/202626.10 USD
1/6/202626.18 USD
1/5/202626.18 USD
1/2/202625.71 USD
12/31/202525.85 USD
12/30/202526.00 USD
12/29/202526.09 USD
12/26/202526.04 USD
12/24/202526.19 USD
12/23/202526.19 USD
12/22/202526.62 USD
12/19/202526.79 USD
12/18/202527.59 USD
12/17/202526.98 USD
12/16/202526.85 USD
12/15/202526.99 USD
12/12/202526.58 USD
12/11/202526.32 USD
12/10/202526.01 USD
12/9/202524.83 USD
12/8/202524.67 USD
12/5/202524.55 USD
12/4/202524.79 USD
12/3/202524.94 USD
12/2/202524.14 USD
12/1/202524.12 USD
11/28/202524.20 USD
11/26/202524.19 USD
11/25/202524.33 USD
11/24/202523.74 USD
11/21/202523.85 USD
11/20/202523.14 USD
11/19/202522.96 USD
11/18/202522.88 USD
11/17/202522.94 USD
11/14/202523.83 USD
11/13/202523.69 USD
11/12/202523.79 USD
11/11/202523.93 USD
11/10/202523.88 USD
11/7/202524.01 USD
11/6/202523.62 USD
11/5/202524.03 USD
11/4/202523.54 USD
11/3/202523.53 USD
10/31/202524.39 USD
10/30/202524.12 USD
10/29/202523.71 USD
10/28/202524.42 USD
10/27/202524.52 USD
10/24/202525.02 USD
10/23/202524.57 USD
10/22/202525.04 USD
10/21/202524.82 USD
10/20/202524.58 USD
10/17/202523.60 USD
10/16/202523.18 USD
10/15/202524.05 USD
10/14/202524.45 USD
10/13/202523.72 USD
10/10/202523.45 USD
10/9/202524.16 USD
10/8/202524.56 USD
10/7/202524.50 USD
10/6/202524.97 USD
10/3/202524.96 USD
10/2/202524.81 USD
10/1/202524.98 USD
9/30/202525.20 USD
9/29/202525.05 USD
9/28/202525.05 USD
9/25/202525.64 USD
9/24/202525.56 USD
9/23/202525.81 USD
9/22/202525.92 USD
9/19/202526.00 USD
9/18/202526.50 USD
9/17/202525.80 USD
9/16/202525.32 USD
9/15/202525.48 USD
9/12/202525.53 USD
9/11/202525.98 USD
9/10/202525.67 USD
9/9/202525.80 USD
9/8/202526.21 USD
9/5/202526.30 USD
9/4/202526.59 USD
9/3/202525.95 USD
9/2/202526.14 USD
8/29/202526.49 USD
8/28/202526.59 USD
8/27/202526.66 USD
8/26/202526.60 USD
8/25/202526.32 USD
8/22/202526.58 USD
8/21/202525.13 USD
8/20/202525.25 USD
8/19/202525.13 USD
8/18/202525.11 USD
8/15/202525.01 USD
8/14/202525.33 USD
8/13/202525.63 USD
8/12/202525.32 USD
8/11/202524.24 USD
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HBT Financial, Revenue, Pre-Provision Profit, Net Income

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  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2020
150.31 M USD
47.81 M USD
36.85 M USD
Jan 1, 2021
158.41 M USD
75.21 M USD
56.27 M USD
Jan 1, 2022
179.54 M USD
74.44 M USD
56.46 M USD
Jan 1, 2023
237.28 M USD
106.31 M USD
65.84 M USD
Jan 1, 2024
222.37 M USD
98.36 M USD
71.78 M USD
Jan 1, 2025
236.44 M USD
107.02 M USD
77.01 M USD
Jan 1, 2026 (e)
312.65 M USD
0.00 USD
93.19 M USD
Jan 1, 2027 (e)
332.73 M USD
0.00 USD
97.55 M USD

HBT Financial, Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 9, 2026, 1:21 PM
 
REVENUEM USD
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEM USD
Net Interest IncomeM USD
Non-Interest IncomeM USD
Loan Loss ProvisionsM USD
Pre-Provision Profit (PPOP)M USD
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
20162017201820192020202120222023202420252026e2027e
163.00157.00165.00173.00156.00164.00186.00263.00285.00293.00312.00332.00
–-3.685.104.85-9.835.1313.4141.408.372.816.486.41
92.0294.2792.1292.4989.10101.2296.7782.8976.8479.8679.8679.86
150.00148.00152.00160.00139.00166.00180.00218.00219.00234.00249.17265.15
121.10121.00129.44133.80117.61122.40145.87186.17188.85198.90––
36.1630.1928.5330.1232.7036.0133.6751.1133.5237.54––
6.403.105.703.40––-0.707.573.033.16––
66.0658.0968.8775.5247.8175.2174.44106.3198.36107.02––
58.0056.0063.0066.0036.0056.0056.0065.0071.0077.0093.0097.00
–-3.4512.504.76-45.4555.56–16.079.238.4520.784.30
––––0.600.600.640.680.760.840.951.01
––––––6.676.2511.7610.5313.106.32
31.4318.0026.3326.2127.4629.0428.8531.8531.5931.4331.4331.43
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales HBT Financial, generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue HBT Financial, retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare HBT Financial,'s gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares HBT Financial, has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against HBT Financial,'s historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

HBT Financial, stock margins

The HBT Financial, margin analysis displays the gross margin, EBIT margin, as well as the profit margin of HBT Financial,. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for HBT Financial,.

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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2020
68.19 %
24.51 %
Jan 1, 2021
52.52 %
35.52 %
Jan 1, 2022
58.54 %
31.44 %
Jan 1, 2023
55.19 %
27.75 %
Jan 1, 2024
55.77 %
32.28 %
Jan 1, 2025
54.74 %
32.57 %
Jan 1, 2026 (e)
0.00 %
29.81 %
Jan 1, 2027 (e)
0.00 %
29.32 %

HBT Financial, Revenue per Share, Earnings per Share

The HBT Financial, earnings per share therefore indicates how much revenue HBT Financial, has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2020
5.47 USD
1.34 USD
Jan 1, 2021
5.46 USD
1.94 USD
Jan 1, 2022
6.22 USD
1.96 USD
Jan 1, 2023
7.45 USD
2.07 USD
Jan 1, 2024
7.04 USD
2.27 USD
Jan 1, 2025
7.52 USD
2.45 USD
Jan 1, 2026 (e)
9.89 USD
2.95 USD
Jan 1, 2027 (e)
10.53 USD
3.09 USD

HBT Financial, business model & stock analysis

HBT Financial Inc. is a US financial holding company based in Illinois. It is the parent company of HomeBank, which has a branch in Topeka, Kansas. HBT was founded in 1857 as the State Bank of Farmersburg and has since become one of the region's important financial institutions. Its business model offers a wide range of financial products and services tailored to the needs of private and business customers. HBT Financial Inc. operates in various areas of the financial market and has a diverse business portfolio. Its main divisions include HomeBank, Wealth Management Group, Insurance Business, and Banking Services. HBT Financial Inc. aims to provide comprehensive financial solutions and excellent customer service to its clients.

HBT Financial, SWOT Analysis

Strengths

HBT Financial Inc has several strengths that contribute to its success:

  • Strong Financial Position: HBT Financial Inc boasts a robust financial position, with stable revenue streams and healthy profit margins.
  • Diversified Product Portfolio: The company offers a wide range of financial products and services, including banking, lending, investment, and insurance solutions, catering to diverse customer needs.
  • Established Brand: HBT Financial Inc has built a reputable brand known for its reliability, customer service, and commitment to ethical practices.
  • Skilled Workforce: The company has a talented and experienced team of professionals who possess in-depth knowledge of the financial industry, enabling them to provide superior services to clients.

Weaknesses

Despite its strengths, HBT Financial Inc faces certain weaknesses that need to be addressed:

  • Limited Geographic Presence: The company's operations are primarily focused in a specific region, restricting its market reach and potentially putting it at a disadvantage compared to national competitors.
  • Reliance on Traditional Channels: HBT Financial Inc heavily relies on physical branches for customer interactions, which may hinder its ability to adapt to the growing trend of online and mobile banking.
  • Higher Cost Structure: Compared to some digital-only competitors, HBT Financial Inc may have higher operational costs, which could impact its ability to offer competitive rates and fees.

Opportunities

There are several opportunities that HBT Financial Inc can explore to fuel its growth:

  • Geographic Expansion: HBT Financial Inc can consider expanding its presence into new markets, allowing it to tap into additional customer bases and increase its market share.
  • Digital Transformation: By investing in digital technologies and platforms, the company can enhance its online and mobile banking capabilities, appealing to tech-savvy customers and expanding its reach beyond physical branches.
  • Strategic Partnerships: Forming alliances with fintech companies or other financial institutions can present opportunities for collaboration, innovation, and access to new customer segments.

Threats

HBT Financial Inc must be vigilant and proactive in addressing potential threats to its business:

  • Intense Competition: The financial industry is highly competitive, and HBT Financial Inc faces competition from both traditional brick-and-mortar banks and disruptive fintech startups.
  • Regulatory Changes: Changes in government regulations can impact the company's operations, compliance costs, and ability to introduce new products or services.
  • Cybersecurity Risks: With the increasing reliance on technology, HBT Financial Inc needs to stay vigilant against cyber threats to protect customer data and maintain trust.

HBT Financial, Employees

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HBT Financial, Employees
Details
Date
HBT Financial, Employees
Jan 1, 2019
- Employees
Jan 1, 2020
- Employees
Jan 1, 2021
- Employees
Jan 1, 2022
- Employees
Jan 1, 2023
- Employees
Jan 1, 2024
- Employees
Jan 1, 2025
- Employees

HBT Financial, Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

HBT Financial, historical P/E ratio, EBIT multiple, and P/S ratio

HBT Financial, annual returns

Details

Annual Return

ⓘ

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

HBT Financial, shares outstanding

The number of shares of HBT Financial, was 31.43 M in 2025. This indicates how many shares HBT Financial, is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details
Date
Number of stocks
Jan 1, 2020
27.46 M Stocks
Jan 1, 2021
29.04 M Stocks
Jan 1, 2022
28.85 M Stocks
Jan 1, 2023
31.85 M Stocks
Jan 1, 2024
31.59 M Stocks
Jan 1, 2025
31.43 M Stocks
Jan 1, 2026 (e)
31.43 M Stocks
Jan 1, 2027 (e)
31.43 M Stocks

HBT Financial, Dividend History

7 years of dividend payments · 4 consecutive increases

YearAnnual DividendYoY ChangePayments
20260.71USDYTD—3×
Feb 9, 20260.23USD↑ 9.5%1/3
May 12, 20260.23USD 0.0%2/3
Aug 11, 2026Declared0.25USD↑ 8.7%3/3
20250.84USD↑ 10.5%4×
Feb 4, 20250.21USD↑ 10.5%1/4
May 6, 20250.21USD 0.0%2/4
Aug 5, 20250.21USD 0.0%3/4
Nov 3, 20250.21USD 0.0%4/4
20240.76USD↑ 11.8%4×
20230.68USD↑ 6.3%4×
20220.64USD↑ 6.7%4×
20210.60USD 0.0%4×
20200.60USD—4×

HBT Financial, dividend history and estimates

In 2025, HBT Financial, paid a dividend amounting to 0.84 USD. Dividend means that HBT Financial, distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2020
0.60 USD
0.00 USD
Jan 1, 2021
0.60 USD
0.00 USD
Jan 1, 2022
0.64 USD
0.00 USD
Jan 1, 2023
0.68 USD
0.00 USD
Jan 1, 2024
0.76 USD
0.00 USD
Jan 1, 2025
0.84 USD
0.00 USD
Jan 1, 2026 (e)
0.71 USD
0.24 USD
Jan 1, 2027 (e)
0.00 USD
1.01 USD

HBT Financial, dividend payout ratio

In 2025, HBT Financial, had a payout ratio of 34.29%. The payout ratio indicates the percentage of the company's profits that HBT Financial, distributes as dividends.

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Payout ratio
Details
Date
Payout ratio
Jan 1, 2020
44.71 %
Jan 1, 2021
30.96 %
Jan 1, 2022
32.70 %
Jan 1, 2023
32.89 %
Jan 1, 2024
33.45 %
Jan 1, 2025
34.29 %
Jan 1, 2026 (e)
32.11 %
Jan 1, 2027 (e)
32.81 %

Current HBT Financial, forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.00 %
Buy
66.67 % (6)
Hold
33.33 % (3)
Sell
0.00 % (0)
12M Price Target
30.60
Last Price
36.35
Currency
USD
12M Return Potential
-15.82 %
LTM Return
0 %

HBT Financial, Analyst Rating Actions

DateFirmActionRatingReliability
7/28/2026
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedOutperform–
6/26/2026
Piper Sandler
Piper Sandler
MaintainedNeutral51
4/28/2026
Piper Sandler
Piper Sandler
MaintainedNeutral51
4/28/2026
DA Davidson
DA Davidson
MaintainedNeutral–
3/13/2026
Piper Sandler
Piper Sandler
MaintainedNeutral51
1/7/2026
Raymond James
Raymond James
UpgradeMarket PerformOutperform74
10/21/2025
Piper Sandler
Piper Sandler
MaintainedNeutral51
7/22/2025
Raymond James
Raymond James
MaintainedOutperform74
7/22/2025
Piper Sandler
Piper Sandler
MaintainedNeutral51
7/22/2025
Keefe, Bruyette & Woods
Keefe, Bruyette & Woods
MaintainedOutperform–

Eulerpool Reliability Score (0–100): measures how often a firm’s bullish or bearish calls were directionally correct three months later, blended with the average return following its calls. Every rating we record is stored permanently and scores update continuously; firms with fewer than 3 measured calls are not scored yet.

HBT Financial, Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
7/27/20260.74USD-80.95 MUSD-2026 Q2
4/27/20260.62USD-67.38 MUSD-2026 Q1
1/28/20260.64USD-61.63 MUSD-2025 Q4
4/24/20240.56USD-57.68 MUSD-2024 Q1
1/23/20240.60USD-58.67 MUSD-2023 Q4
7/24/20230.59USD-61.60 MUSD-2023 Q2
4/24/20230.47USD-54.98 MUSD-2023 Q1
1/25/20230.57USD-49.07 MUSD-2022 Q4
10/24/20220.50USD-45.96 MUSD-2022 Q3
7/25/20220.43USD-42.77 MUSD-2022 Q2

EESG©

Eulerpool ESG Scorecard© for the HBT Financial, stock

22/100
2
Environment
25
Social
40
Governance
E

Environment

20
Scope 1 - Direct Emissions—
Scope 2 - Indirect emissions from purchased energy—
Scope 3 - Indirect emissions within the value chain—
Total CO₂ emissions—
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees—
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

HBT Financial, shareholder structure

% Name
5.08561%
BLACKROCK, INC.
BLACKROCK, INC.
3.84550%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
2.11487%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
1.77518%
DIMENSIONAL FUND ADVISORS LP
DIMENSIONAL FUND ADVISORS LP
1.72663%
Dimensional Fund Advisors, L.P.
Dimensional Fund Advisors, L.P.
1.64534%
VANGUARD CAPITAL MANAGEMENT LLC
VANGUARD CAPITAL MANAGEMENT LLC
...

HBT Financial, Beneficial Ownership Filings (SEC 13D/G)

Free Float
43.5%
Float Shares
-
Shares Outstanding
-
StakeHolderFiling
62.70%
Heartland Bancorp, Inc. Voting Trust U/A/D 5/4/2016
Heartland Bancorp, Inc. Voting Trust U/A/D 5/4/2016
SEC ↗
62.70%
Fred L. Drake
Fred L. Drake
SEC ↗
54.90%
DRAKE FRED L
DRAKE FRED L
SEC ↗
22.40%
Allen C. Drake
Allen C. Drake
SEC ↗
5.70%
(1)Names of reporting persons. BlackRock, Inc.
(1)Names of reporting persons. BlackRock, Inc.
SEC ↗
3.50%
BlackRock, Inc.
BlackRock, Inc.
SEC ↗

HBT Financial, Executives and Management Board

16 members · avg. age 63 · 25 % women

JC

Mr. J. Lance Carter (54)

President, Chief Executive Officer, Director of the Company and Heartland Bank · since 2011

1.22 M USD

Management

PC

Mr. Peter Chapman (51)

Chief Financial Officer, Executive Vice President of the Company and Heartland Bank

672,811.00 USD
LH

Mr. Lawrence Horvath (61)

Executive Vice President, Chief Lending Officer of the Company and Heartland Bank

591,795.00 USD
MS

Mr. Mark Scheirer (54)

Executive Vice President and Chief Credit Officer of the Company and Heartland Bank

463,220.00 USD
AZ

Ms. Andrea Zurkamer (47)

Executive Vice President and Chief Risk Officer of the Company and Heartland Bank

–
DL

Ms. Diane Lanier (61)

Executive Vice President and Chief Retail Officer of the Company and Heartland Bank

–

Board of Directors

PB

Mr. Patrick Busch (68)

Director · since 1998

946,413.00 USD
FD

Mr. Fred Drake (68)

Executive Chairman of the Company and Heartland Bank · since 1984

738,280.00 USD
GP

Mr. Gerald Pfeiffer (74)

Independent Director

50,761.00 USD
CB

Dr. C. Alvin Bowman (72)

Independent Director

46,936.00 USD
EB

Mr. Eric Burwell (57)

Independent Director

46,186.00 USD
LK

Ms. Linda Koch (63)

Independent Director

46,036.00 USD

Frequently asked questions about HBT Financial,

The business model of HBT Financial Inc., a leading company in the financial industry, revolves around providing comprehensive financial services to its clients. As a commercial bank holding company, HBT Financial Inc. employs a customer-centric approach, focusing on meeting the banking and financial needs of individuals, businesses, and communities. Offering an array of products and services such as personal and business loans, wealth management solutions, and innovative online banking tools, HBT Financial Inc. aims to ensure its customers achieve their financial goals efficiently. With a strong emphasis on delivering exceptional customer service and tailored financial solutions, HBT Financial Inc. continuously strives to foster long-term relationships and drive sustainable growth.

HBT Financial Inc is primarily active in the financial industry. With a strong focus on providing banking and financial services, HBT Financial Inc offers a wide range of products and solutions for individuals, businesses, and institutional clients. As a leading player in the financial sector, HBT Financial Inc strives to deliver exceptional customer service, innovative financial solutions, and sustainable growth. With its extensive expertise and industry-specific knowledge, HBT Financial Inc is well-positioned to cater to the evolving needs of its customers in the financial industry.

The main competitors of HBT Financial Inc in the market include popular banking institutions such as Bank of America, JPMorgan Chase, Wells Fargo, and Citigroup.

HBT Financial Inc, founded in 1857, is a reputable financial services company that operates as the holding company for Heartland Bank and Trust Company. With a rich history spanning over 160 years, HBT Financial Inc has established itself as a reliable provider of comprehensive banking and financial solutions. Inspired by its core values of community involvement, personalized service, and financial stability, HBT Financial Inc has successfully grown its operations across various locations in Illinois, providing a wide range of services including personal banking, business banking, wealth management, and trust services. Through its commitment to customer satisfaction and strong community partnerships, HBT Financial Inc continues to play a significant role in the financial sector.

Since its establishment, HBT Financial Inc has achieved several significant milestones. The company successfully completed its initial public offering (IPO) in 2019, marking a major step towards expansion and growth. HBT Financial Inc has also demonstrated consistent financial performance, reporting strong earnings and revenue growth. Furthermore, the company has successfully expanded its market presence and strengthened its customer base through strategic acquisitions and partnerships. HBT Financial Inc has established itself as a trusted financial institution, providing a wide range of banking services to individuals, businesses, and communities. This commitment to excellence has solidified HBT Financial Inc's position as a leading player in the financial industry.

HBT Financial Inc is primarily present in the United States.

HBT Financial Inc represents strong values and a corporate philosophy rooted in integrity, customer focus, and community engagement. The company believes in providing exceptional financial solutions that meet the diverse needs of its customers, fostering long-term relationships built on trust. HBT Financial Inc takes pride in delivering personalized service, innovative products, and competitive rates to individuals, businesses, and communities it serves. With a commitment to ethical practices, transparency, and responsible financial management, HBT Financial Inc strives to create value and support the growth and prosperity of its stakeholders.

Analysts currently set an average price target of 30.60 USD for the HBT Financial, stock (median: 30.60 USD), implying -15.8 % versus the latest price. The consensus is based on 9 analyst ratings.

HBT Financial, Analyst Price Targets 2026

9 analysts currently rate the HBT Financial, stock: 6 recommend buying, 3 holding and 0 selling. For 2026, analysts expect HBT Financial, to generate revenue of 312.65 M USD and earnings per share of 2.96 USD.

HBT Financial, Analyst Price Targets 2026

Converted at the current exchange rate, the HBT Financial, share trades at 31.39 EUR (36.25 USD).

The HBT Financial, share (HBT) is listed on 2 stock exchanges, including: NASDAQ (HBT), Frankfurt (9ND.F).

HBT Financial Inc is a US financial services provider that has been in existence since 1867 and offers a wide range of products and services for both personal and business customers. The company is headquartered in Bloomington, Illinois and has four subsidiaries: Heartland Bank and Trust Company, State Bank of Lincoln, Town and Country Bank, and First Community Financial Bank. The personal banking division offers various products and services such as checking accounts, savings and term deposits, loans and advances, credit cards, investment products, insurance, real estate financing, private banking, and wealth management. Customers can also benefit from online banking and mobile banking apps that allow them to conveniently manage their accounts from anywhere. The business banking division of HBT Financial Inc offers a wide range of financial services for businesses of all sizes and industries. These services include business accounts, loans and advances for businesses, construction financing, commercial mortgages, leasing, deposit management, cash management, and global payment solutions. HBT Financial Inc also offers specialized services for state and municipal institutions, including public deposits, cash credits, fee and tax payments, trust accounts, and investment advice. In addition, HBT Financial Inc offers various types of insurance, including life insurance, health insurance, accident insurance, home insurance, retirement insurance, and other types of insurance. Another offering of HBT Financial Inc is the wealth management service for customers interested in comprehensive financial planning and asset management. A team of experts in the wealth management division of HBT Financial Inc can provide a variety of asset management solutions tailored to the individual needs of the customer to achieve long-term sustainable returns. Overall, HBT Financial Inc offers a comprehensive range of products and services tailored to the needs of personal and business customers. It takes pride in being a respected and trusted financial services provider with a long-standing tradition that aims to achieve superior outcomes through the passion and enthusiasm of its employees. Customers of HBT Financial Inc benefit from top-notch care and advice from professionals who are dedicated to understanding their customers' needs and offering individualized, customized solutions that align with their requirements.

The expected revenue of HBT Financial, is 312.65 M USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of HBT Financial, is 93.19 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of HBT Financial, is currently 12.23. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the HBT Financial, stock.

The price-to-sales ratio (P/S) of HBT Financial, is currently 3.64. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the HBT Financial, stock.

The Eulerpool Quality Score for HBT Financial, is 5/10.

The ISIN of HBT Financial, is US4041111067. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of HBT Financial, is A2PTGW. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of HBT Financial, is HBT. The ticker symbol is used to trade HBT Financial, shares on the stock exchange.

Over the past 12 months, HBT Financial, paid a dividend of 0.84 USD . This corresponds to a dividend yield of about 2.32 %. For the coming 12 months, HBT Financial, is expected to pay a dividend of 1.01 USD.

The current dividend yield of HBT Financial, is 2.32 %.

HBT Financial, pays a dividend, distributed in the months of , , , .

HBT Financial, paid dividends every year for the past 6 years.

For the upcoming 12 months, dividends amounting to 1.01 USD are expected. This corresponds to a dividend yield of 2.79 %.

HBT Financial, is assigned to the 'Finance' sector.

To receive the latest dividend of HBT Financial, from amounting to 0.25 USD, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, HBT Financial, distributed 0.76 USD as dividends.

The dividends of HBT Financial, are distributed in USD.

All fundamentals and in-depth analysis of HBT Financial,

Our stock analysis for HBT Financial, stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of HBT Financial,. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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