(HBT) Hbt Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.004m USD | Total Return: 22.8% in 12m
Avg Turnover: 2.34M
EPS Trend: 0.6%
Qual. Beats: -1
Rev. Trend: 90.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
HBT Financial, Inc. is a regional bank holding company headquartered in Bloomington, Illinois, operating primarily through Heartland Bank and Trust Company. Founded in 1920, the firm serves consumers, commercial enterprises, and municipal entities across Illinois and Eastern Iowa. Its business model focuses on a diversified loan portfolio, including commercial real estate (CRE), agricultural lending, and residential mortgages, supported by a traditional deposit base and fee-based services such as trust and investment management.
As a regional bank, HBT Financial operates within a sector where profitability is heavily influenced by the net interest margin-the difference between interest earned on loans and interest paid on deposits. The company also generates non-interest income through specialized segments like farm management, crop insurance, and treasury management services. Regional banks often maintain a high concentration of CRE loans, which requires rigorous credit risk management during periods of fluctuating interest rates.
To better understand how these operational factors influence valuation, investors may find it useful to explore the data further on ValueRay. The company transitioned from Heartland Bancorp, Inc. to its current name in 2019, shortly before its initial public offering on the NASDAQ.
- Net interest margin sensitivity to Federal Reserve monetary policy shifts
- Commercial real estate concentration in Illinois and Iowa markets
- Asset quality and credit performance within agricultural and industrial portfolios
- Strategic expansion and earnings accretion through regional bank acquisitions
| Net Income: 69.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.55 > 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 (-747.4m) to EBITDA (100.4m): -7.45 < 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 0.78%; Δ 7.99k% > 0.5%) |
| Asset Turnover: 5.12% > 50% (prev 5.70%; Δ -0.57% > 0%) |
| Interest Coverage Ratio: 1.62 > 6 (EBITDA TTM 100.4m / 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: 0.06 (Book Value of Equity 344.1m / Total Liabilities 6.03b) |
| Altman-Z'' = -1.53 = D |
| DSRI: 1.48 (Receivables 35.3m/22.7m, Revenue 304.0m/290.1m) |
| GMI: 0.96 (GM 80.63% / 77.57%) |
| 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 = -2.66 (Cap -4..+1) = A |
As of May 24, 2026, the stock is trading at USD 28.48 with a total of 86,453 shares traded.
Over the past week, the price has changed by +4.65%,
over one month by +2.65%,
over three months by +4.83% and
over the past year by +22.84%.
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 | 12.4% |
P/S = 4.1172
P/B = 1.3435
Revenue TTM = 304.0m USD
EBIT TTM = 94.1m USD
EBITDA TTM = 100.4m 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 = -747.4m USD (calculated: Debt 154.3m - CCE 901.7m)
Enterprise Value = 257.1m USD (1.00b + Debt 154.3m - CCE 901.7m)
Interest Coverage Ratio = 1.62 (Ebit TTM 94.1m / Interest Expense TTM 57.9m)
EV/FCF = 3.91x (Enterprise Value 257.1m / FCF TTM 65.8m)
FCF Yield = 25.58% (FCF TTM 65.8m / Enterprise Value 257.1m)
FCF Margin = 21.64% (FCF TTM 65.8m / 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 257.1m / Total Assets 6.77b)
Interest Expense / Debt = 37.53% (Interest Expense 57.9m / Debt 154.3m)
Taxrate = 25.58% (3.85m / 15.1m)
NOPAT = 70.0m (EBIT 94.1m * (1 - 25.58%))
Current Ratio = 0.17 (Total Current Assets 1.10b / Total Current Liabilities 6.62b)
Debt / Equity = 0.21 (Debt 154.3m / totalStockholderEquity, last quarter 747.4m)
Debt / EBITDA = -7.45 (Net Debt -747.4m / EBITDA 100.4m)
Debt / FCF = -11.36 (Net Debt -747.4m / FCF TTM 65.8m)
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 = 1.03% (NOPAT 70.0m / Invested Capital 6.77b)
WACC = 10.70% (E(1.00b)/V(1.16b) * Re(8.05%) + D(154.3m)/V(1.16b) * Rd(37.53%) * (1-Tc(0.26)))
Discount Rate = 8.05% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -42.22 | Cagr: 1.84%
[DCF] Terminal Value 64.87% ; FCFF base≈70.5m ; Y1≈61.8m ; Y5≈49.9m
[DCF] Fair Price = 36.46 (EV 579.2m - Net Debt -747.4m = Equity 1.33b / Shares 36.4m; r=10.70% [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=+1.96% | Revisions=+14% | Analysts=5
EPS next Quarter (2026-09-30): EPS=0.75 | Chg30d=-0.26% | Revisions=-14% | Analysts=5
EPS current Year (2026-12-31): EPS=2.94 | Chg30d=+2.44% | Revisions=+14% | GrowthEPS=+16.6% | GrowthRev=+30.4%
EPS next Year (2027-12-31): EPS=3.07 | Chg30d=+0.20% | Revisions=-14% | GrowthEPS=+4.4% | GrowthRev=+6.3%
[Analyst] Revisions Ratio: +14%