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Hbt financial, inc.HBT.US Overview

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HBT Recent Performance

1.19%

Hbt financial, inc.

1.79%

Avg of Sector

-0.31%

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HBT Key Information

HBT Financial Forecast

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QuarterlyEPS ForecastQoQMaxMin
2026Q1
2026Q2
2026Q3
2026Q4
2027Q1

HBT Profile

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.

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HBT FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

HBT Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.45
PE Ratio (TTM)
11.05
Forward PE
11.73
PS Ratio (TTM)
3.62
PB Ratio
1.38
Price-to-FCF
15.48
METRIC
VALUE
vs. INDUSTRY
Gross Margin
94.44%
Net Margin
30.90%
Revenue Growth (YoY)
12.58%
Profit Growth (YoY)
6.32%
3-Year Revenue Growth
13.56%
3-Year Profit Growth
6.01%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
2.45
PE Ratio (TTM)
11.05
Forward PE
11.73
PS Ratio (TTM)
3.62
PB Ratio
1.38
Price-to-FCF
15.48
Gross Margin
94.44%
Net Margin
30.90%
Revenue Growth (YoY)
12.58%
Profit Growth (YoY)
6.32%
3-Year Revenue Growth
13.56%
3-Year Profit Growth
6.01%

  • When is HBT's latest earnings report released?

    The most recent financial report for Hbt financial, inc. (HBT) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating HBT's short-term business performance and financial health. For the latest updates on HBT's earnings releases, visit this page regularly.

  • Where does HBT fall in the P/E River chart?

    According to historical valuation range analysis, Hbt financial, inc. (HBT)'s current price-to-earnings (P/E) ratio is 10.73, placing it in the Overvalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of HBT?

    According to the latest financial report, Hbt financial, inc. (HBT) reported an Operating Profit of 25.91M with an Operating Margin of 34.88% this period, representing a decline of 5.42% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is HBT's revenue growth?

    In the latest financial report, Hbt financial, inc. (HBT) announced revenue of 74.29M, with a Year-Over-Year growth rate of 27.41%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does HBT have?

    At the end of the period, Hbt financial, inc. (HBT) held Total Cash and Cash Equivalents of 24.42M, accounting for 0 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does HBT go with three margins increasing?

    In the latest report, Hbt financial, inc. (HBT) achieved the “three margins increasing” benchmark, with a gross margin of 81.36%%, operating margin of 34.88%%, and net margin of 25.49%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess HBT's profit trajectory and future growth potential.

  • Is HBT's EPS continuing to grow?

    According to the past four quarterly reports, Hbt financial, inc. (HBT)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 0.6. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of HBT?

    Hbt financial, inc. (HBT)'s Free Cash Flow (FCF) for the period is 0, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 100% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of HBT?

    The latest valuation data shows Hbt financial, inc. (HBT) has a Price-To-Earnings (PE) ratio of 10.73 and a Price/Earnings-To-Growth (PEG) ratio of -2.25. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.