HBT Financial, Inc.
Financials
Valuation Metrics
HBT Financial, Inc.'s Market Cap is $1.33B. At end of 2025 it was $813M. Ranked #2255 of 3,115 in US market (top 72%), #899 of 1,472 on NASDAQ (top 61%), #157 of 245 in Banks (top 64%) by Market Cap.
Investment Metrics(as of 2026-10-30)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $1.33B | US#2,255/3,115 Sec#157/245 |
| Revenue | $268M | US#2,469/3,115 Sec#149/245 |
| Net Income | $78M | US#1,720/3,115 Sec#170/245 |
| Total Assets | $6.73B | US#1,232/3,115 Sec#180/245 |
| Net Assets | $765M | US#1,946/3,115 Sec#177/245 |
| Employees | 826 | US#2,064/3,115 Sec#147/245 |
| Value | ||
| P/E | 17.09x | US#917/3,115 Sec#204/245 |
| P/B | 1.74x | US#1,088/3,115 Sec#201/245 |
| PEG | 13.25x | US#1,243/3,115 Sec#144/245 |
| P/S | 4.95x | US#2,294/3,115 Sec#209/245 |
| EV/EBITDA | 12.29x | US#1,156/3,115 Sec#117/245 |
| FCF Yield | 5.70% | US#1,241/3,115 Sec#193/245 |
| Profitability | ||
| ROE | 10.17% | US#1,357/3,115 Sec#147/245 |
| ROA | 1.16% | US#1,907/3,115 Sec#128/245 |
| Op. Margin | 39.33% | US#287/3,115 Sec#75/245 |
| Revenue Growth | 15.64% | US#865/3,115 Sec#64/245 |
| Earnings Growth | 1.29% | US#1,259/3,115 Sec#144/245 |
| Financial Health | ||
| Debt Ratio | 779.74% | US#2,590/3,115 Sec#115/245 |
| Total Debt | $149M | US#2,322/3,115 Sec#204/245 |
| FCF | $76M | US#1,841/3,115 Sec#165/245 |
| Cash | $132M | US#2,035/3,115 Sec#166/245 |
| Current Ratio | 0.30x | US#2,847/3,115 Sec#132/245 |
| Net Debt/EBITDA | 0.16x | US#648/3,115 Sec#72/245 |
| Dividend | ||
| Div. Yield | 2.18% | US#874/3,115 Sec#150/245 |
| Div. Growth | 10.03% | US#512/3,115 Sec#80/245 |
| Performance | ||
| 1Y Return | 51.41% | US#479/3,115 Sec#23/245 |
| 1M Return | 3.25% | US#1,518/3,115 Sec#127/245 |
| From 52W High | -3.16% | US#267/3,115 Sec#31/245 |
| 1Y MDD | -12.61% | US#135/3,115 Sec#58/245 |
| Trading | ||
| Volume | 84,011 shares | US#2,858/3,115 Sec#180/245 |
| Trading Value | $3M | US#2,670/3,115 Sec#193/245 |
| Per Share | ||
| EPS | $2.14 | US#1,290/3,115 Sec#173/245 |
| BPS | $21.02 | US#1,186/3,115 Sec#176/245 |
Company Info
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company, offering a comprehensive suite of financial products and services. They cater to a diverse client base, including individuals, businesses, and municipal entities, providing retail, commercial, and business banking solutions. Their deposit offerings encompass a variety of options, such as non-interest and interest-bearing demand accounts, money market accounts, savings accounts, certificates of deposit (CDs), health savings accounts (HSAs), and individual retirement accounts (IRAs). The company's extensive lending portfolio spans commercial real estate (both owner-occupied and investment properties), construction and land development, multi-family housing, commercial and industrial (C&I) loans, agricultural and farmland financing, and one-to-four family residential mortgages, as well as municipal and consumer loans. Beyond traditional banking, HBT Financial also provides robust wealth management services. These include financial planning for consumers, trusts, and estates; trustee and custodial responsibilities; investment management; corporate retirement plan consulting and administration; and retail brokerage. Further extending its offerings, the company provides specialized services like farmland management, sales, and crop insurance, in addition to treasury management solutions. It also originates residential mortgage loans and subsequently sells them. Modern digital banking solutions are readily available, encompassing online and mobile banking platforms, various digital payment services, and personal financial management tools. The company maintains an extensive branch network, with 57 locations situated across Central and Northeastern Illinois, complemented by four branches in Eastern Iowa. Established in 1920, HBT Financial, Inc. was originally known as Heartland Bancorp, Inc., before adopting its current name in September 2019. The company's headquarters are located in Bloomington, Illinois.