HBT Financial/$HBT
1D1W1MYTD1Y5YMAX
Capital at risk
About HBT Financial
HBT Financial Inc provides a comprehensive suite of business, commercial, wealth management, and retail banking products and services to individuals, businesses, and municipal entities throughout Central and Northeastern Illinois and Eastern Iowa. It operates through one reportable segment: community banking. It generates revenue from Card income, Wealth management fees, and Service charges on deposit accounts.
- Ticker
- $HBT
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 826
- Headquarters
- Bloomington, United States
- Website
- ir.hbtfinancial.com
HBT Financial Metrics
BasicAdvanced
$1.3B
15.37
$2.34
0.51
$0.92
2.77%
Price and volume
Market cap
$1.3B
Beta
0.51
52-week high
$37.51
52-week low
$22.36
Average daily volume
120K
Dividend rate
$0.92
Financial strength
Dividend payout ratio (TTM)
37.26%
Profitability
Net profit margin (TTM)
29.24%
Operating margin (TTM)
47.18%
Effective tax rate (TTM)
26.29%
Revenue per employee (TTM)
$320,000
Management effectiveness
Return on assets (TTM)
1.32%
Return on equity (TTM)
11.56%
Valuation
Price to earnings (TTM)
15.372
Price to revenue (TTM)
4.489
Price to book
1.71
Price to tangible book (TTM)
2.05
Price to free cash flow (TTM)
15.773
Free cash flow yield (TTM)
6.34%
Free cash flow per share (TTM)
2.285
Dividend yield (TTM)
2.55%
Forward dividend yield
2.77%
Growth
Revenue change (TTM)
15.69%
Earnings per share change (TTM)
-3.12%
3-year revenue growth (CAGR)
8.37%
3-year earnings per share growth (CAGR)
7.79%
3-year dividend per share growth (CAGR)
10.06%
Bulls say / Bears say
Strong earnings growth: HBT Financial reported Q2 2026 net income of $27.8 million, or $0.76 per diluted share, up from $19.2 million (0.61 EPS) a year earlier and $11.2 million (0.34 EPS) in Q1 2026, demonstrating robust revenue growth (SEC 8-K).
Net interest margin expanded by 13 basis points to 4.38% on a tax-equivalent basis in Q2 2026, driven by higher loan discount accretion, the repricing of fixed-rate loans, and reinvestment of securities cash flows at elevated rates (SEC 8-K).
Maintained strong asset quality as nonperforming assets fell to 0.15% of total assets and net recoveries to average loans were 0.01% annualized in Q2 2026, reflecting disciplined credit underwriting (SEC 8-K).
High seasoning of on-balance-sheet reciprocal deposits may raise funding costs and compress net interest margins, as $48.6 million of wealth management customer reciprocal deposits were moved on-balance sheet in Q2 2026 (HBT 8-K).
Potential downward pressure on net interest margin exists if market rates fall, since floating-rate loan yields may not fully offset declines in deposit costs as noted in HBT’s Q1 2026 10-Q risk disclosures (HBT 10-Q).
Geographic concentration in central Illinois and eastern Iowa (83 full-service branches) limits diversification and amplifies regional economic risks (Interim Report).
Data summarised monthly by Lightyear AI. Last updated on 24 Aug 2026.
Upcoming events
No upcoming events
Funds containing HBT Financial
AllEURGBP
Fund name | Fund size | $HBT weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.02% |
iShares MSCI USA Small Cap ESG Enhanced CTB€SXRG | €2.8B | 0.01% |
iShares MSCI USA Small Cap CTB Enhanced ESG£CUS1 | £2.4B | 0.01% |
SPDR MSCI All Country World IM€SPYI | €7.5B | 0.00% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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