HBT Stock Analysis: Hbt Financial | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.310m USD | 12M Return: 46.4% | US4041111067 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 4.03M
EPS Trend: -4.6%
Qual. Beats: 0
Rev. Trend: 93.5%
Qual. Beats: 1
Warnings
Tailwinds
Seasonality 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: 77.7m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.49 > 1.0 |
| NWC/Revenue: -1.22k% < 20% (prev -1.20k%; Δ -23.50% < -1%) |
| CFO/TA 0.01 > 3% & CFO 86.8m > Net Income 77.7m |
| Net Debt (-1.52b) to EBITDA (112.9m): -13.50 < 3 |
| Current Ratio: 0.30 > 1.5 & < 3 |
| Outstanding Shares: last quarter (36.4m) vs 12m ago 15.43% < -2% |
| Gross Margin: 80.60% > 18% (prev 78.40%; Δ 2.19% > 0.5%) |
| Asset Turnover: 5.64% > 50% (prev 5.80%; Δ -0.16% > 0%) |
| Interest Coverage Ratio: 1.67 > 6 (EBIT TTM 105.5m / Interest Expense TTM 63.2m) |
| A: -0.60 (Total Current Assets 1.71b - Total Current Liabilities 5.76b) / Total Assets 6.73b |
| B: 0.06 (Retained Earnings 390.5m / Total Assets 6.73b) |
| C: 0.02 (EBIT TTM 105.5m / Avg Total Assets 5.87b) |
| D: 0.13 (Book Value of Equity 764.7m / Total Liabilities 5.96b) |
| Altman-Z'' = -3.50 = D |
| DSRI: 1.50 (Receivables 35.1m/20.6m, Revenue 331.4m/291.2m) |
| GMI: 0.97 (GM 78.40% / 80.60%) |
| AQI: 0.89 (AQ_t 0.73 / AQ_t-1 0.82) |
| SGI: 1.14 (Revenue 331.4m / 291.2m) |
| TATA: -0.00 (NI 77.7m - CFO 86.8m) / TA 6.73b) |
| Beneish M = -2.61 (Cap -4..+1) = A |
As of September 27, 2026, the stock is trading at USD 36.25 with a total of 126,486 shares traded. Over the past week, the price has changed by +0.67%, over one month by +1.60%, over three months by +15.45% and over the past year by +46.41%.
Current recommended Stop Loss: 34.60 (which is 4.6% or 2.4 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 | 40.4 | 11.4% |
P/E Trailing = 15.3889
P/S = 4.9245
P/B = 1.7157
Revenue TTM = 331.4m USD
EBIT TTM = 105.5m USD
EBITDA TTM = 112.9m USD
Long Term Debt = 149.3m USD (from longTermDebt, last quarter)
Short Term Debt = 5.05m USD (from shortTermDebt, two quarters ago)
Debt = 149.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.52b USD (calculated: Debt 149.3m - CCE 1.67b)
Enterprise Value = 1.31b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 1.67 (Ebit TTM 105.5m / Interest Expense TTM 63.2m)
EV/FCF = 17.30x (Enterprise Value 1.31b / FCF TTM 75.7m)
FCF Yield = 5.78% (FCF TTM 75.7m / Enterprise Value 1.31b)
FCF Margin = 22.84% (FCF TTM 75.7m / Revenue TTM 331.4m)
Net Margin = 23.46% (Net Income TTM 77.7m / Revenue TTM 331.4m)
Gross Margin = 80.60% ((Revenue TTM 331.4m - Cost of Revenue TTM 64.3m) / Revenue TTM)
Gross Margin QoQ = 79.88% (prev 81.51%)
Tobins Q-Ratio = 0.19 (Enterprise Value 1.31b / Total Assets 6.73b)
Interest Expense / Debt = 42.31% (Interest Expense 63.2m / Debt 149.3m)
Taxrate = 26.29% (27.7m / 105.5m)
NOPAT = 77.7m (EBIT 105.5m * (1 - 26.29%))
Current Ratio = 0.30 (Total Current Assets 1.71b / Total Current Liabilities 5.76b)
Debt / Equity = 0.20 (Debt 149.3m / totalStockholderEquity, last quarter 764.7m)
Debt / EBITDA = -13.50 (Net Debt -1.52b / EBITDA 112.9m)
Debt / FCF = -20.13 (Net Debt -1.52b / FCF TTM 75.7m)
Total Stockholder Equity = 681.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.32% (Net Income 77.7m / Total Assets 6.73b)
RoE = 11.41% (Net Income TTM 77.7m / Total Stockholder Equity 681.7m)
RoCE = 12.69% (EBIT 105.5m / Capital Employed (Equity 681.7m + L.T.Debt 149.3m))
RoIC = 8.16% (NOPAT 77.7m / Invested Capital 953.1m)
WACC = 9.17% (E(1.31b)/V(1.46b) * Re(6.66%) + D(149.3m)/V(1.46b) * Rd(42.31%) * (1-Tc(0.26)))
Discount Rate = 6.66% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 59.67 | Cagr: 6.15%
[DCF] Terminal Value 71.62% ; FCFF base≈77.8m ; Y1≈73.9m ; Y5≈70.0m
[DCF] Fair Price = 68.55 (EV 969.2m - Net Debt -1.52b = Equity 2.49b / Shares 36.4m; r=9.17% [WACC]; 5y FCF grow -6.43% → 2.50% )
EPS Correlation: -4.64 | EPS CAGR: -0.16% | SUE: 0.39 | # QB: 0
Revenue Correlation: 93.47 | Revenue CAGR: 7.96% | SUE: 1.07 | # QB: 1
EPS current Quarter (2026-09-30): EPS=0.79 | Chg30d=+3.97% | Revisions=+62% | Analysts=5
EPS current Year (2026-12-31): EPS=3.04 | Chg30d=+3.05% | Revisions=+62% | GrowthEPS=+20.6% | GrowthRev=+32.1%
EPS next Year (2027-12-31): EPS=3.45 | Chg30d=+11.80% | Revisions=+62% | GrowthEPS=+13.6% | GrowthRev=+23.5%
[Analyst] Revisions Ratio: +83% (up=15, down=0)