HBT Stock Analysis: Hbt Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.164m USD | 12M Return: 26.9% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 6.26M
EPS Trend: 0.6%
Qual. Beats: -1
Rev. Trend: 90.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 6.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
HBT Financial, Inc. is a bank holding company that operates Heartland Bank and Trust Company, providing a full suite of community banking services to consumers, businesses, and municipalities across Illinois and Eastern Iowa. Its offerings span deposit accounts, commercial and consumer lending (including commercial real estate, agricultural, construction, and residential mortgages), digital banking, treasury management, and trust and investment services. The company also provides specialty lines such as farm management, crop insurance, brokerage, and corporate retirement plan consulting.
Originally founded in 1920 and headquartered in Bloomington, Illinois, the company was renamed HBT Financial in 2019 ahead of its 2019 IPO. As a regional bank holding company, HBT operates under a structure regulated by the Federal Reserve, with its subsidiary bank subject to FDIC oversight, and earns revenue primarily through net interest income on loans and deposits supplemented by fee-based services like trust, brokerage, and insurance.
- Net interest margin expands on stable Fed rate environment
- Commercial real estate loan portfolio faces regulatory scrutiny
- Agricultural lending demand softens amid declining crop prices
| Net Income: 69.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.66 > 1.0 |
| NWC/Revenue: -636.2% < 20% (prev -1.29k%; Δ 654.7% < -1%) |
| CFO/TA 0.01 > 3% & CFO 83.2m > Net Income 69.1m |
| Net Debt (-909.1m) to EBITDA (99.5m): -9.13 < 3 |
| Current Ratio: 0.36 > 1.5 & < 3 |
| Outstanding Shares: last quarter (33.2m) vs 12m ago 4.63% < -2% |
| Gross Margin: 80.63% > 18% (prev 77.57%; Δ 3.06% > 0.5%) |
| Asset Turnover: 5.12% > 50% (prev 5.70%; Δ -0.57% > 0%) |
| Interest Coverage Ratio: 1.62 > 6 (EBIT TTM 94.1m / Interest Expense TTM 57.9m) |
| A: -0.29 (Total Current Assets 1.10b - Total Current Liabilities 3.03b) / Total Assets 6.77b |
| B: 0.05 (Retained Earnings 371.1m / Total Assets 6.77b) |
| C: 0.02 (EBIT TTM 94.1m / Avg Total Assets 5.93b) |
| D: 0.12 (Book Value of Equity 747.4m / Total Liabilities 6.03b) |
| Altman-Z'' = -1.46 = CCC |
| DSRI: 1.48 (Receivables 35.3m/22.7m, Revenue 304.0m/290.1m) |
| GMI: 0.96 (GM 77.57% / 80.63%) |
| AQI: 0.96 (AQ_t 0.82 / AQ_t-1 0.86) |
| SGI: 1.05 (Revenue 304.0m / 290.1m) |
| TATA: -0.00 (NI 69.1m - CFO 83.2m) / TA 6.77b) |
| Beneish M = -2.65 (Cap -4..+1) = A |
As of July 08, 2026, the stock is trading at USD 32.23 with a total of 105,742 shares traded. Over the past week, the price has changed by +1.19%, over one month by +9.66%, over three months by +17.75% and over the past year by +26.85%.
Current recommended Stop Loss: 31.20 (which is 3.2% or 1.3 ATR below the current price).
Hbt Financial has received a consensus analysts rating of 3.80. Therefore, it is recommended to hold HBT.
- StrongBuy: 1
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 32.6 | 1.1% |
P/E Trailing = 14.6743
P/S = 4.7703
P/B = 1.5503
Revenue TTM = 304.0m USD
EBIT TTM = 94.1m USD
EBITDA TTM = 99.5m USD
Long Term Debt = 149.3m USD (from longTermDebt, last quarter)
Short Term Debt = 5.05m USD (from shortTermDebt, last quarter)
Debt = 154.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -909.1m USD (calculated: Debt 154.3m - CCE 1.06b)
Enterprise Value = 254.8m USD (1.16b + Debt 154.3m - CCE 1.06b)
Interest Coverage Ratio = 1.62 (Ebit TTM 94.1m / Interest Expense TTM 57.9m)
EV/FCF = 3.57x (Enterprise Value 254.8m / FCF TTM 71.5m)
FCF Yield = 28.05% (FCF TTM 71.5m / Enterprise Value 254.8m)
FCF Margin = 23.51% (FCF TTM 71.5m / Revenue TTM 304.0m)
Net Margin = 22.74% (Net Income TTM 69.1m / Revenue TTM 304.0m)
Gross Margin = 80.63% ((Revenue TTM 304.0m - Cost of Revenue TTM 58.9m) / Revenue TTM)
Gross Margin QoQ = 81.51% (prev 81.36%)
Tobins Q-Ratio = 0.04 (Enterprise Value 254.8m / Total Assets 6.77b)
Interest Expense / Debt = 37.53% (Interest Expense 57.9m / Debt 154.3m)
Taxrate = 26.50% (24.9m / 94.1m)
NOPAT = 69.1m (EBIT 94.1m * (1 - 26.50%))
Current Ratio = 0.36 (Total Current Assets 1.10b / Total Current Liabilities 3.03b)
Debt / Equity = 0.21 (Debt 154.3m / totalStockholderEquity, last quarter 747.4m)
Debt / EBITDA = -9.13 (Net Debt -909.1m / EBITDA 99.5m)
Debt / FCF = -12.72 (Net Debt -909.1m / FCF TTM 71.5m)
Total Stockholder Equity = 635.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.17% (Net Income 69.1m / Total Assets 6.77b)
RoE = 10.87% (Net Income TTM 69.1m / Total Stockholder Equity 635.7m)
RoCE = 11.98% (EBIT 94.1m / Capital Employed (Equity 635.7m + L.T.Debt 149.3m))
RoIC = 1.02% (NOPAT 69.1m / Invested Capital 6.76b)
WACC = 9.88% (E(1.16b)/V(1.32b) * Re(7.53%) + D(154.3m)/V(1.32b) * Rd(37.53%) * (1-Tc(0.26)))
Discount Rate = 7.53% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -42.22 | Cagr: 1.84%
[DCF] Terminal Value 67.60% ; FCFF base≈77.9m ; Y1≈68.3m ; Y5≈55.2m
[DCF] Fair Price = 44.45 (EV 708.1m - Net Debt -909.1m = Equity 1.62b / Shares 36.4m; r=9.88% [WACC]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: 0.57 | EPS CAGR: 0.02% | SUE: -4.0 | # QB: -1
Revenue Correlation: 89.97 | Revenue CAGR: 8.95% | SUE: 0.82 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.73 | Chg30d=+0.00% | Revisions=+17% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.75 | Chg30d=+0.00% | Revisions=-17% | Analysts=5
EPS current Year (2026-12-31): EPS=2.94 | Chg30d=+0.00% | Revisions=+17% | GrowthEPS=+16.6% | GrowthRev=+30.4%
EPS next Year (2027-12-31): EPS=3.08 | Chg30d=+0.33% | Revisions=-17% | GrowthEPS=+4.7% | GrowthRev=+6.4%
[Analyst] Revisions Ratio: +0% (up=6, down=6)