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Upturn AI SWOT - About
HBT 
Hbt Financial Inc (HBT)
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Upturn Advisory Summary
09/16/2025: 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 -29.55% | Avg. Invested days 28 | 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 09/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 804.08M USD | Price to earnings Ratio 10.53 | 1Y Target Price 29.4 |
Price to earnings Ratio 10.53 | 1Y Target Price 29.4 | ||
Volume (30-day avg) 5 | Beta 0.64 | 52 Weeks Range 19.12 - 27.02 | Updated Date 09/16/2025 |
52 Weeks Range 19.12 - 27.02 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 3.13% | 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 10.53 | Forward PE - | Enterprise Value 707029632 | Price to Sales(TTM) 3.5 |
Enterprise Value 707029632 | Price to Sales(TTM) 3.5 | ||
Enterprise Value to Revenue 3.92 | Enterprise Value to EBITDA - | Shares Outstanding 31495400 | Shares Floating 11440401 |
Shares Outstanding 31495400 | Shares Floating 11440401 | ||
Percent Insiders 64.12 | Percent Institutions 24.48 |
Upturn AI SWOT
Hbt Financial Inc
Company Overview
History and Background
HBT Financial, Inc. was founded in 1920. It operates as the bank holding company for Heartland Bank and Trust Company, providing a variety of financial services to individuals, businesses, and farms primarily in Central and Northeastern Illinois.
Core Business Areas
- Commercial Banking: Offers commercial lending, deposit accounts, and other banking services to businesses.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgage loans, and consumer loans.
- Wealth Management: Offers trust, investment management, and financial planning services.
Leadership and Structure
The company is led by Fred L. Drake (Chief Executive Officer) and has a board of directors overseeing its operations. The organizational structure consists of various departments and regional teams focused on different aspects of banking and wealth management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available. Competitors include larger regional and national banks like BOKF, KeyCorp, etc.
- Mortgage Loans: Residential mortgage loans for home purchase and refinance. Market share data is not publicly available. Competitors include national mortgage lenders and other regional banks.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is not publicly available. Competitors include other banks and credit unions.
Market Dynamics
Industry Overview
The banking industry is currently experiencing consolidation, increasing regulatory scrutiny, and pressure from fintech companies. Interest rate environment and economic conditions also significantly impact the industry.
Positioning
HBT Financial Inc. is a regional bank focused on serving communities in Illinois. Its competitive advantage lies in its local presence, strong customer relationships, and personalized service.
Total Addressable Market (TAM)
TAM is the entire banking and financial services market in Central and Northeastern Illinois. HBT Financial Inc. captures a portion of this TAM through its branch network and digital channels. Actual TAM value not stated in public information.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Diverse product and service offerings
Weaknesses
- Limited geographic footprint
- Reliance on traditional banking model
- Smaller scale compared to national banks
- Susceptible to economic downturns in its region
Opportunities
- Expansion into new markets within Illinois
- Increased adoption of digital banking technologies
- Acquisitions of smaller community banks
- Growth in wealth management services
Threats
- Increased competition from national and online banks
- Rising interest rates
- Economic recession
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BANF
- BOKF
- KEY
Competitive Landscape
HBT Financial Inc. competes with national and regional banks. HBT's advantages include its local focus and customer relationships. Disadvantages include smaller scale and limited geographic reach.
Major Acquisitions
Illinois National Bank
- Year: 2018
- Acquisition Price (USD millions): 120
- Strategic Rationale: Expanded HBT's presence in Central Illinois.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require analysis of past financial performance over several years. See 10K filing.
Future Projections: Future projections based on analyst estimates. Please refer to analysts research reports.
Recent Initiatives: Recent strategic initiatives would be announced in press releases or investor presentations.
Summary
HBT Financial Inc. is a stable regional bank with a strong local presence. While it benefits from customer relationships and a diversified product portfolio, its growth is limited by its geographic footprint and competition from larger institutions. Recent initiatives focus on digital banking and wealth management, though economic uncertainties remain a concern. Maintaining a balance of traditional banking with innovation is crucial.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings (10-K, 10-Q)
- Analyst Reports (where available)
- FDIC Data
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is based on estimations. Financial data is for illustrative purposes only and should be verified with official company filings. Please consult a financial professional for personalized advice.
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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