What You Need to Know About HBT Financial, Inc.'s Q3 Earnings
HBT Financial, Inc.'s fiscal Q3 earnings report was released on Monday, July 27. Let's dive in to see if (HBT) missed or beat analyst's expectations.Rosalio Madrigal
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COMPANY SUMMARY
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides financial products and services to consumers, businesses, and municipal entities in Illinois and Eastern Iowa. The company offers deposit account services, such as noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposit, HSA, and IRA accounts. It also provides lending products, including non-owner occupied regulatory commercial real estate (CRE), construction and land development and multi-family; commercial and industrial and owner-occupied CRE; agricultural and farmland; one-to-four family residential loans; municipal, consumer, and other loans; residential mortgage origination and servicing; and traditional trust and investment services. In addition, the company offers digital banking services comprising online banking, mobile banking, digital payments, and personal financial management tools; small business and commercial checking accounts, and treasury management services; financial planning to consumers, trusts, and estates; and trustee and custodial services. Further, it provides investment management services; corporate retirement plan consulting and administration; retail brokerage services; farm management services, broker farmland sale, and crop insurance. 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.
Commentary & Analysis
What You Need to Know About HBT Financial, Inc.'s Q2 Earnings
HBT Financial, Inc.'s fiscal Q2 earnings report was released on Monday, April 27. Let's dive in to see if (HBT) missed or beat analyst's expectations.Rosalio Madrigal
What You Need to Know About HBT Financial, Inc.'s Q1 Earnings
HBT Financial, Inc.'s fiscal Q1 earnings report was released on Monday, January 26. Let's dive in to see if (HBT) missed or beat analyst's expectations.Jenna Brashear
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What You Need to Know About HBT Financial, Inc.'s Q4 Earnings
HBT Financial, Inc.'s fiscal Q4 earnings report was released on Monday, October 20. Let's dive in to see if (HBT) missed or beat analyst's expectations.Jenna Brashear
Financial Summary
| Share Statistics | HBT | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $1,303.3 | $716.9 | 49% |
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| Shares Out (Mil) | 33.3 | 15.7 | 39% |
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| Institutional Ownership | 28.8% | 83.0% | 13% |
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| Float (Mil) | 15.8 | 21.2 | 26% |
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| Beta | 0.50 | 0.48 | 28% |
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| Avg Daily Volume (000s) | 144 | 53 | 40% |
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| Price Change (52-week) |
43.5% | 96.7% | 77% |
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| Growth | HBT | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 10.6% | 7.6% | 61% |
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| Net Income (5yr) | 15.9% | 11.1% | 65% |
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| EPS (5yr) | 12.8% | 10.1% | 51 |
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| Dividends (5yr) | 7.0% | 3.6% | 76% |
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| Cash Flow (5yr) | (19.8%) | (17.0%) | 34% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 5 | 5 | 5 | |
| Current EPS | $0.790 | $3.046 | $3.176 | |
| Month Ago EPS | $0.754 | $2.938 | $3.076 | |
| # Rev Up | 3 | 3 | 3 | |
| # Rev Down | 0 | 0 | 1 | |
| Three Months Ago EPS | $0.754 | $2.938 | $3.066 | |
| Year/Year Chg | 133.7% | 24.8% | na | |
| Financials | HBT | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $244 | $190 | 34% |
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| Net Income (TTM) (Mil) | $69 | $51 | 58% |
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| EPS (TTM) | $2.167 | $2.500 | 73% |
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| Operating Cash Flow (TTM) (Mil) | $83 | $34 | 51% |
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| Net Cash Flow (TTM) (Mil) | $76 | $1 | 75% |
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| Long-Term Debt (Q1) (Mil) | $137 | $100 | 47% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | HBT | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.74 | 1.27 | 46% |
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| P/E | 16.5 | 12.9 | 40% |
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| Dividend Yield | 2.8% | 2.2% | 83% |
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| PEG (5yr hist) | 1.3 | 1.1 | 53% |
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| Ratios | HBT | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 68.8% | na |
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| Net Margin | 29.2% | 28.9% | 88% |
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| ROA | 1.2% | 1.0% | 49% |
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| ROE | 10.5% | 11.1% | 59% |
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| Liabilities to Assets | 89.0% | 89.8% | 84% |
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| F-Score | 3 | 4 | 19% |
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Passing Stock Screens
As of 7/31/2026, from a list of 60 stock screening strategies,
FACTOR STRATEGY
P/E Relative Screen
Factors: Value, Earnings Estimates
A screen that looks at the relationship of a stock's price-earnings ratio to that of the industry and market.
| Performance Since Inception: | 13.7% |
| +/- S&P 500: | +6.2 |
