HBT Financial, Inc. (HBT) AI Stock Analysis

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company, founded in 1920 and headquartered in Bloomington, Illinois. Across 57 branch locations in Central and Northeastern Illinois as well as Eastern Iowa, the company provides deposit products such as demand deposits, money market accounts, certificates of deposit, and individual retirement accounts. Its lending portfolio includes commercial real estate, construction, agricultural, multi-family, commercial and industrial, and one-to-four family residential loans. Additionally, HBT Financial provides wealth management, corporate retirement plan consulting, farmland management, crop insurance, and treasury management services.

HBT Financial expanded annual revenue from $164.2M in FY2021 to $293.3M in FY2025, reflecting a five-year revenue CAGR of 13.3% from FY2020 to FY2025. Annual net income grew from $56.3M in FY2021 to $77.0M in FY2025, while EPS climbed from $2.05 to $2.53 over the same period. Operating margin stood at 35.6% in FY2025, compared to 46.6% in FY2021. For the trailing twelve months ending June 30, 2026, revenue reached $265.9M with an operating margin of 49.9% and a profit margin of 29.2%. In the latest quarter, quarterly revenue grew 37.7% year-over-year, while quarterly earnings rose 24.6%.

As of June 30, 2026, HBT Financial held $1.67B in cash and short-term investments against $149.3M in total debt, yielding net cash of $1.52B. Total assets stood at $6.73B and shareholders' equity was $764.7M, alongside a debt-to-equity ratio of 0.20 and a current ratio of 0.30. In FY2025, the company generated $85.1M in operating cash flow and $74.8M in free cash flow, deploying $10.2M toward capital expenditures, $4.5M for share buybacks, and $26.6M in dividend payments.

HBT trades at a trailing price-to-earnings multiple of 15.1x, higher than the 12.1x median of its US-listed Financial Services peers. Its price-to-sales ratio of 4.9x also trades at a premium to the peer median of 3.2x, while price-to-book stands at 1.7x. The company holds an enterprise value of $1.31B and a market capitalization of $1.29B. Over the past year, HBT gained 58.5%, significantly outpacing the 16.8% return for the S&P 500 (SPY). Over five years, the stock achieved a 147.8% return compared to 83.0% for SPY.

HBT Financial pays a forward annual dividend of $1.00 per share, delivering a dividend yield of 2.81% with a payout ratio of 38.2%. Distributed quarterly, the dividend has been paid for 7 consecutive years and reflects an annualized five-year dividend growth rate of 7.0%. The last ex-dividend date was August 11, 2026.

Wall Street coverage consists of 1 Strong Buy, 2 Buy, and 2 Hold ratings, with no Sell or Strong Sell recommendations. The mean price target of $40.20 implies an upside of 13.0% from the last close of $35.58. For the fiscal year ending December 31, 2026, analysts estimate EPS of $3.04 on revenue of $316.0M. The company beat EPS estimates in 2 of the last 4 quarters, and its next earnings date is October 26, 2026.

This page is an AI-written research summary of HBT Financial, Inc. (HBT). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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