NASDAQ: HBT
Hbt Financial Inc Stock

$23.18-0.30 (-1.28%)
Updated Apr 30, 2025
HBT Price
$23.18
Fair Value Price
$36.23
Market Cap
$731.39M
52 Week Low
$18.16
52 Week High
$26.25
P/E
10.21x
P/B
1.34x
P/S
3.13x
PEG
1.87x
Dividend Yield
2.46%
Revenue
$221.39M
Earnings
$71.78M
Gross Margin
100%
Operating Margin
43.99%
Profit Margin
32.4%
Debt to Equity
8.24
Operating Cash Flow
$89M
Beta
0.73
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

HBT Overview

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.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine HBT's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

A
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
HBT
Ranked
#50 of 294

Top Ranked Stocks in Industry

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HBT News

Overview

Due Diligence Score

Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how HBT scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

HBT ($23.18) is undervalued by 36.03% relative to our estimate of its Fair Value price of $36.23 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
HBT ($23.18) is significantly undervalued by 36.03% relative to our estimate of its Fair Value price of $36.23 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
HBT ($23.18) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more HBT due diligence checks available for Premium users.

Valuation

HBT fair value

Fair Value of HBT stock based on Discounted Cash Flow (DCF)

Price
$23.18
Fair Value
$36.23
Undervalued by
36.02%
HBT ($23.18) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
HBT ($23.18) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
HBT ($23.18) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

HBT price to earnings (PE)

For valuing profitable companies with steady earnings

Company
10.21x
Industry
13.39x
Market
29.18x
HBT is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
HBT is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

HBT price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.34x
Industry
1.13x
HBT is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

HBT price to earnings growth (PEG)

For valuing profitable companies with growth potential

HBT is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

HBT's financial health

Profit margin

Revenue
$58.3M
Net Income
$20.3M
Profit Margin
34.8%
HBT's Earnings (EBIT) of $97.38M... subscribe to Premium to read more.
Interest Coverage Financials
HBT's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$5.0B
Liabilities
$4.5B
Debt to equity
8.24
HBT's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
HBT's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$17.3M
Investing
-$90.4M
Financing
$31.2M
HBT's operating cash flow ($89.37M)... subscribe to Premium to read more.
Debt Coverage Financials

HBT vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
HBTC$731.39M-1.30%10.21x1.34x
NBBKC$717.60M-1.38%16.03x0.94x
OSBCC$711.29M-2.17%8.31x1.06x
CFFNC$752.90M-1.22%14.54x0.73x
AMTBC$705.94M-1.29%-38.27x0.79x

Hbt Financial Stock FAQ

What is Hbt Financial's quote symbol?

(NASDAQ: HBT) Hbt Financial trades on the NASDAQ under the ticker symbol HBT. Hbt Financial stock quotes can also be displayed as NASDAQ: HBT.

If you're new to stock investing, here's how to buy Hbt Financial stock.

What is the 52 week high and low for Hbt Financial (NASDAQ: HBT)?

(NASDAQ: HBT) Hbt Financial's 52-week high was $26.25, and its 52-week low was $18.16. It is currently -11.71% from its 52-week high and 27.61% from its 52-week low.

How much is Hbt Financial stock worth today?

(NASDAQ: HBT) Hbt Financial currently has 31,559,366 outstanding shares. With Hbt Financial stock trading at $23.18 per share, the total value of Hbt Financial stock (market capitalization) is $731.39M.

Hbt Financial stock was originally listed at a price of $15.54 in Oct 11, 2019. If you had invested in Hbt Financial stock at $15.54, your return over the last 5 years would have been 49.13%, for an annualized return of 8.32% (not including any dividends or dividend reinvestments).

How much is Hbt Financial's stock price per share?

(NASDAQ: HBT) Hbt Financial stock price per share is $23.18 today (as of Apr 30, 2025).

What is Hbt Financial's Market Cap?

(NASDAQ: HBT) Hbt Financial's market cap is $731.39M, as of May 1, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Hbt Financial's market cap is calculated by multiplying HBT's current stock price of $23.18 by HBT's total outstanding shares of 31,559,366.
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