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Upturn AI SWOT - About
HBT 
Hbt Financial Inc (HBT)
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Upturn Advisory Summary
08/28/2025: HBT (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $29.4
1 Year Target Price $29.4
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -26.02% | Avg. Invested days 27 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 837.46M USD | Price to earnings Ratio 10.99 | 1Y Target Price 29.4 |
Price to earnings Ratio 10.99 | 1Y Target Price 29.4 | ||
Volume (30-day avg) 5 | Beta 0.61 | 52 Weeks Range 19.12 - 27.02 | Updated Date 08/28/2025 |
52 Weeks Range 19.12 - 27.02 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 3.00% | Basic EPS (TTM) 2.42 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.39% | Operating Margin (TTM) 47.48% |
Management Effectiveness
Return on Assets (TTM) 1.53% | Return on Equity (TTM) 14.08% |
Valuation
Trailing PE 10.99 | Forward PE - | Enterprise Value 741989568 | Price to Sales(TTM) 3.64 |
Enterprise Value 741989568 | Price to Sales(TTM) 3.64 | ||
Enterprise Value to Revenue 4.08 | Enterprise Value to EBITDA - | Shares Outstanding 31495400 | Shares Floating 11440401 |
Shares Outstanding 31495400 | Shares Floating 11440401 | ||
Percent Insiders 64.12 | Percent Institutions 24.47 |
Upturn AI SWOT
Hbt Financial Inc
Company Overview
History and Background
HBT Financial, Inc. is the holding company for Heartland Bank and Trust Company. Heartland Bank and Trust Company was founded in 1920. The company provides a range of financial services to individuals, businesses, and agricultural customers primarily in central and northeastern Illinois. It began with the merger of several local banks and has grown through organic expansion and acquisitions.
Core Business Areas
- Commercial Banking: Offers a variety of commercial loans, deposit accounts, and treasury management services to businesses.
- Retail Banking: Provides personal banking services including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth management and trust services to individuals and families.
- Agricultural Banking: Provides loan and banking services to farms and agricultural operations.
Leadership and Structure
HBT Financial Inc. has a board of directors and a management team led by its CEO. The organizational structure is typical of a bank holding company, with various departments responsible for different business lines.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provide financing for businesses' operational needs, expansions, and acquisitions. HBT Financial Inc. competes with national and regional banks such as JP Morgan Chase (JPM), BMO Financial Group (BMO), and local community banks. Market share data is regionally focused.
- Mortgages: Offer mortgage loans for home purchases and refinancing. Competitors include Rocket Mortgage, Wells Fargo (WFC), and local credit unions. Market share is affected by fluctuating interest rates.
- Agricultural Loans: Provides credit and banking services to local and regional farms. Competitors include Farm Credit Services, regional and local commercial banks, as well as private lenders. Market share data is regionally focused.
- Deposit Accounts: Offer checking, savings, and money market accounts for individuals and businesses. Competitors include Bank of America (BAC), JP Morgan Chase (JPM), and online banks. Market share is highly dependent on account interest rates.
Market Dynamics
Industry Overview
The banking industry is currently undergoing significant changes due to rising interest rates, technological advancements, and increasing regulatory scrutiny. Competition is intense, with banks facing pressure from fintech companies and non-bank lenders.
Positioning
HBT Financial Inc. is a regional bank focused on serving communities in Illinois. Its competitive advantages include a strong local presence, personalized customer service, and expertise in agricultural lending.
Total Addressable Market (TAM)
The TAM for banking services in Illinois is substantial, encompassing individuals, businesses, and agricultural operations. HBT Financial Inc. is positioned to capture a portion of this market through its branch network and specialized lending products.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Experienced management team
- Diversified loan portfolio
- Customer loyalty
- Expertise in agricultural lending
Weaknesses
- Limited geographic reach
- Smaller scale compared to national banks
- Exposure to regional economic fluctuations
- Reliance on traditional banking channels
Opportunities
- Expanding into new markets within Illinois
- Increasing digital banking offerings
- Acquiring smaller community banks
- Growing wealth management business
- Further developing relationships with agricultural clients
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn in Illinois
- Regulatory changes
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- KEY
Competitive Landscape
HBT Financial Inc. faces competition from larger national banks and smaller community banks. Its strength lies in its local market knowledge, but it needs to invest in technology and expand its reach to compete effectively.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is needed to populate this.
Future Projections: Future projection data is needed to populate this.
Recent Initiatives: Highlighting recent strategic initiatives are needed to populate this.
Summary
HBT Financial is a regional bank with a strong local presence, particularly in agricultural lending. It faces intense competition from larger banks and fintech companies. While its customer loyalty is a strength, the company needs to invest in technology and consider strategic acquisitions to maintain its market position and face the regulatory and cybersecurity threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market research
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share and financial data are estimates and may not be precise. Financial data requires more specific data.
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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