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NASDAQ: HBT
Hbt Financial Inc Stock

$20.02-0.67 (-3.24%)
Updated Mar 17, 2023
HBT Price
$20.02
Fair Value Price
$24.12
Market Cap
$643.55M
52 Week Low
$16.09
52 Week High
$23.49
P/E
10.27x
P/B
1.72x
P/S
3.12x
PEG
1.07x
Dividend Yield
3.25%
Revenue
$181.30M
Earnings
$56.46M
Gross Margin
100%
Operating Margin
42.02%
Profit Margin
31.1%
Debt to Equity
10.47
Operating Cash Flow
$73M
Beta
0.88
Next Earnings
Apr 24, 2023
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 Score

Industry Average (38)
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Due Diligence Checks

HBT ($20.02) is undervalued by 17.01% relative to our estimate of its Fair Value price of $24.12 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
HBT ($20.02) is not significantly undervalued (17.01%) relative to our estimate of its Fair Value price of $24.12 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
HBT ($20.02) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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HBT News

Valuation

HBT fair value

Fair Value of HBT stock based on Discounted Cash Flow (DCF)
Price
$20.02
Fair Value
$24.12
Undervalued by
17.01%
HBT ($20.02) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
HBT ($20.02) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
HBT ($20.02) 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
10.27x
Industry
21.25x
Market
21.81x
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
1.72x
Industry
0.95x
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
$50.7M
Net Income
$13.1M
Profit Margin
25.9%
HBT's Earnings (EBIT) of $76.19M... subscribe to Premium to read more.
Interest Coverage Financials
HBT's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$4.3B
Liabilities
$3.9B
Debt to equity
10.47
HBT's debt has increased relative... 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
$23.5M
Investing
-$21.5M
Financing
$33.9M
HBT's operating cash flow ($72.59M)... subscribe to Premium to read more.
Debt Coverage Financials

HBT vs Bank Stocks

TickerMarket Cap1d %P/EP/B
HBT$643.55M-3.24%10.27x1.72x
TRST$646.26M-3.58%8.64x1.08x
OSBC$636.48M-5.06%9.44x1.38x
GSBC$634.18M-6.72%8.58x1.19x
BLX$600.35M-5.69%10.23x0.61x

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 $23.49, and its 52-week low was $16.09. It is currently -14.77% from its 52-week high and 24.43% from its 52-week low.

How much is Hbt Financial stock worth today?

(NASDAQ: HBT) Hbt Financial currently has 32,145,546 outstanding shares. With Hbt Financial stock trading at $20.02 per share, the total value of Hbt Financial stock (market capitalization) is $643.55M.

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 3 years would have been 28.83%, for an annualized return of 8.81% (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 $20.02 today (as of Mar 17, 2023).

What is Hbt Financial's Market Cap?

(NASDAQ: HBT) Hbt Financial's market cap is $643.55M, as of Mar 21, 2023.

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 $20.02 by HBT's total outstanding shares of 32,145,546.
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