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Upturn AI SWOT - About
HBT 
Hbt Financial Inc (HBT)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/24/2025: HBT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $30.38
1 Year Target Price $30.38
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -30.31% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/24/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 786.49M USD | Price to earnings Ratio 10.09 | 1Y Target Price 30.38 |
Price to earnings Ratio 10.09 | 1Y Target Price 30.38 | ||
Volume (30-day avg) 5 | Beta 0.61 | 52 Weeks Range 19.12 - 27.02 | Updated Date 10/25/2025 |
52 Weeks Range 19.12 - 27.02 | Updated Date 10/25/2025 | ||
Dividends yield (FY) 0.77% | Basic EPS (TTM) 2.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-20 | When Before Market | Estimate 0.62 | Actual 0.65 |
Profitability
Profit Margin 33.59% | Operating Margin (TTM) 47.35% |
Management Effectiveness
Return on Assets (TTM) 1.56% | Return on Equity (TTM) 13.78% |
Valuation
Trailing PE 10.09 | Forward PE - | Enterprise Value 692056192 | Price to Sales(TTM) 3.37 |
Enterprise Value 692056192 | Price to Sales(TTM) 3.37 | ||
Enterprise Value to Revenue 3.82 | Enterprise Value to EBITDA - | Shares Outstanding 31434456 | Shares Floating 11400841 |
Shares Outstanding 31434456 | Shares Floating 11400841 | ||
Percent Insiders 64.24 | Percent Institutions 24.55 |
Upturn AI SWOT
Hbt Financial Inc
Company Overview
History and Background
HBT Financial, Inc. was founded in 2017 and is headquartered in Bloomington, Illinois. It operates as the bank holding company for Heartland Bank and Trust Company, providing commercial and retail banking services in Central and Northeastern Illinois.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending products, deposit services, and cash management solutions to businesses.
- Retail Banking: Provides personal banking services including checking accounts, savings accounts, mortgages, and consumer loans.
- Wealth Management: Provides wealth management and trust services to individuals and families.
Leadership and Structure
HBT Financial Inc. is led by Fred L. Drake (CEO). The organizational structure includes various departments overseeing commercial banking, retail banking, wealth management, and operations.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans for businesses, including term loans, lines of credit, and commercial real estate loans. Market share data for HBT Financial Inc. is not readily available in a consolidated format, but they are a significant regional player. Competitors include larger national banks and other regional banks.
- Market Share: Not publicly available.
- Market Share: Not publicly available.
- Mortgages: Offers residential mortgage loans to individuals. Market share data not specifically available for HBT. Competitors include Chase, Wells Fargo, and smaller community banks.
- Deposit Accounts: Provides checking, savings, and money market accounts for individuals and businesses. Market share data not specifically available. Competitors include Busey Bank, Fifth Third Bank, and other community and regional banks.
- Market Share: Not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently facing pressures from rising interest rates, increased regulatory scrutiny, and competition from fintech companies. Consolidation is also a key trend.
Positioning
HBT Financial Inc. is a regional bank focused on providing personalized service and community banking. Their competitive advantage lies in their local market knowledge and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in their operating region is substantial, encompassing all individuals and businesses requiring financial services. HBT Financial Inc. is positioned to capture a segment of this TAM through its local presence and customer-focused approach.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Dependence on local economy
Opportunities
- Expanding into new markets within Illinois
- Acquiring smaller community banks
- Growing wealth management services
- Leveraging technology to enhance customer experience
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn impacting loan quality
- Rising interest rates increasing borrowing costs
- Regulatory changes impacting compliance costs
Competitors and Market Share
Key Competitors
- CFBK
- MBWM
- Busey Bank (Not Publicly Traded)
- First Midwest Bank (Acquired by Old National Bancorp, ONB)
Competitive Landscape
HBT Financial Inc. faces competition from both large national banks and smaller community banks. Their competitive advantage lies in their local market knowledge and customer relationships.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is unavailable.
Future Projections: Future growth projections not available.
Recent Initiatives: Recent initiatives data not available.
Summary
HBT Financial Inc. is a regional bank with a strong presence in Central and Northeastern Illinois. They benefit from established customer relationships and a focus on community banking. However, they face challenges from larger competitors and economic uncertainties. They need to look out for increasing regulatory scrutiny.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- SEC Filings
- Third-party financial data providers
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share estimates may vary. Updated financial data is needed.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Hbt Financial Inc
Exchange NASDAQ | Headquaters Bloomington, IL, United States | ||
IPO Launch date 2019-10-11 | President, CEO & Director Mr. J. Lance Carter | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 844 | Website https://ir.hbtfinancial.com |
Full time employees 844 | Website https://ir.hbtfinancial.com | ||
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'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, and farmland sales and services; commercial checking accounts; and treasury management services, as well as originates and services 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. 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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