HBT Financial, Inc. (HBT)

US — Financial Services Sector
Peers: NBN  MBWM  HAFC  EQBK  CCNE  BFST  CPF  CCBG  AMAL 

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Key Metrics & Ratings

  • symbol HBT
  • Rev/Share 9.2528
  • Book/Share 18.4349
  • PB 1.3247
  • Debt/Equity 0.1736
  • CurrentRatio 0.1902
  • ROIC -0.023

 

  • MktCap 770053687.0
  • FreeCF/Share 2.5668
  • PFCF 9.5207
  • PE 10.025
  • Debt/Assets 0.0201
  • DivYield 0.0336
  • ROE 0.1378

 

  • Rating A-
  • Score 4
  • Recommendation Buy
  • P/E Score 3
  • DCF Score 5
  • P/B Score 2
  • D/E Score 2

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Downgrade HBT Raymond James Outperform Market Perform -- -- Oct. 7, 2025
Upgrade HBT Hovde Group Market Perform Outperform -- $28 May 6, 2025
Initiation HBT Hovde Group -- Market Perform -- $24.5 March 27, 2025
Downgrade HBT DA Davidson Buy Neutral $26 $24 Sept. 25, 2024

News

HBT Financial Attempts To Solve Growth Issues With CNB Bank Shares Merger
HBT
Published: October 20, 2025 by: Seeking Alpha
Sentiment: Negative

HBT Financial, Inc. reported Q3 2025 EPS of $0.65, beating estimates, but revenue missed; profit growth remains modest. HBT announced a merger with CNB Bank Shares, aiming to drive future earnings growth, though risks and integration costs exist. HBT maintains strong net interest margin, asset quality, and a growing dividend, but faces geographic and economic headwinds in Illinois and Iowa.

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image for news HBT Financial Attempts To Solve Growth Issues With CNB Bank Shares Merger
Compared to Estimates, HBT Financial (HBT) Q3 Earnings: A Look at Key Metrics
HBT
Published: October 20, 2025 by: Zacks Investment Research
Sentiment: Neutral

While the top- and bottom-line numbers for HBT Financial (HBT) give a sense of how the business performed in the quarter ended September 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

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image for news Compared to Estimates, HBT Financial (HBT) Q3 Earnings: A Look at Key Metrics
HBT Financial (HBT) Surpasses Q3 Earnings and Revenue Estimates
HBT
Published: October 20, 2025 by: Zacks Investment Research
Sentiment: Positive

HBT Financial (HBT) came out with quarterly earnings of $0.65 per share, beating the Zacks Consensus Estimate of $0.62 per share. This compares to earnings of $0.61 per share a year ago.

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image for news HBT Financial (HBT) Surpasses Q3 Earnings and Revenue Estimates
HBT Financial (HBT) Q3 Earnings on the Horizon: Analysts' Insights on Key Performance Measures
HBT
Published: October 15, 2025 by: Zacks Investment Research
Sentiment: Neutral

Get a deeper insight into the potential performance of HBT Financial (HBT) for the quarter ended September 2025 by going beyond Wall Street's top-and-bottom-line estimates and examining the estimates for some of its key metrics.

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image for news HBT Financial (HBT) Q3 Earnings on the Horizon: Analysts' Insights on Key Performance Measures
HBT Financial (HBT) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
HBT
Published: July 21, 2025 by: Zacks Investment Research
Sentiment: Positive

Although the revenue and EPS for HBT Financial (HBT) give a sense of how its business performed in the quarter ended June 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

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image for news HBT Financial (HBT) Q2 Earnings: How Key Metrics Compare to Wall Street Estimates
HBT Financial (HBT) Tops Q2 Earnings Estimates
HBT
Published: July 21, 2025 by: Zacks Investment Research
Sentiment: Positive

HBT Financial (HBT) came out with quarterly earnings of $0.63 per share, beating the Zacks Consensus Estimate of $0.6 per share. This compares to earnings of $0.57 per share a year ago.

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image for news HBT Financial (HBT) Tops Q2 Earnings Estimates
HBT Financial, Inc. Announces Second Quarter 2025 Financial Results
HBT
Published: July 21, 2025 by: GlobeNewsWire
Sentiment: Neutral

Second Quarter Highlights Net income of $19.2 million, or $0.61 per diluted share; return on average assets (“ROAA”) of 1.53%; return on average stockholders' equity (“ROAE”) of 13.47%; and return on average tangible common equity (“ROATCE”) (1) of 15.55% Adjusted net income (1) of $19.8 million; or $0.63 per diluted share; adjusted ROAA (1) of 1.58%; adjusted ROAE (1) of 13.87%; and adjusted ROATCE (1) of 16.02% Asset quality remained strong with nonperforming assets to total assets of 0.13% and net charge-offs to average loans of 0.12%, on an annualized basis Net interest margin increased 2 basis points to 4.14% …

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image for news HBT Financial, Inc. Announces Second Quarter 2025 Financial Results
HBT Financial (HBT) Earnings Expected to Grow: What to Know Ahead of Next Week's Release
HBT
Published: July 14, 2025 by: Zacks Investment Research
Sentiment: Neutral

HBT Financial (HBT) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

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image for news HBT Financial (HBT) Earnings Expected to Grow: What to Know Ahead of Next Week's Release

About HBT Financial, Inc. (HBT)

  • IPO Date 2019-10-11
  • Website https://ir.hbtfinancial.com
  • Industry Banks - Regional
  • CEO J. Lance Carter
  • Employees 844

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.