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Upturn AI SWOT - About
Hbt Financial Inc (HBT)
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Upturn Advisory Summary
07/01/2025: 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 $25.8
1 Year Target Price $25.8
| 1 | Strong Buy |
| 2 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -21.03% | 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 07/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 805.35M USD | Price to earnings Ratio 10.73 | 1Y Target Price 25.8 |
Price to earnings Ratio 10.73 | 1Y Target Price 25.8 | ||
Volume (30-day avg) 5 | Beta 0.55 | 52 Weeks Range 18.71 - 26.42 | Updated Date 07/1/2025 |
52 Weeks Range 18.71 - 26.42 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 3.29% | Basic EPS (TTM) 2.35 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 33.3% | Operating Margin (TTM) 46.6% |
Management Effectiveness
Return on Assets (TTM) 1.49% | Return on Equity (TTM) 14.24% |
Valuation
Trailing PE 10.73 | Forward PE - | Enterprise Value 684749888 | Price to Sales(TTM) 3.55 |
Enterprise Value 684749888 | Price to Sales(TTM) 3.55 | ||
Enterprise Value to Revenue 3.91 | Enterprise Value to EBITDA - | Shares Outstanding 31495400 | Shares Floating 11460244 |
Shares Outstanding 31495400 | Shares Floating 11460244 | ||
Percent Insiders 60.45 | Percent Institutions 24.76 |
Analyst Ratings
Rating 2 | Target Price 25.8 | Buy 2 | Strong Buy 1 |
Buy 2 | Strong Buy 1 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Hbt Financial Inc
Company Overview
History and Background
HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois. It operates as the bank holding company for Heartland Bank and Trust Company, providing community banking services. Over the years, it has grown through organic expansion and acquisitions, focusing on serving central and northeastern Illinois.
Core Business Areas
- Commercial Banking: Offers a range of lending and deposit products to businesses, including commercial real estate loans, business term loans, lines of credit, and treasury management services.
- Retail Banking: Provides traditional banking services to individuals, including checking and savings accounts, mortgage loans, consumer loans, and debit/credit cards.
- Wealth Management: Offers trust and investment management services to individuals, families, and institutions.
Leadership and Structure
HBT Financial Inc. is led by a Board of Directors and a management team. The structure comprises various departments and divisions, each responsible for specific areas of banking operations. The CEO oversees the overall strategic direction of the company.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties, catering to businesses and investors. Data on market share is difficult to find on a granular level for individual community banks. Competitors: Busey Bank (BUSE), First Mid-Illinois Bancshares, Inc. (FMBH), larger national and regional banks.
- Agricultural Loans: Loans tailored to farmers and agricultural businesses for land acquisition, equipment financing, and working capital. Data on market share is difficult to find on a granular level for individual community banks. Competitors: Busey Bank (BUSE), First Mid-Illinois Bancshares, Inc. (FMBH), Farm Credit Services.
- Residential Mortgages: Mortgage loans for the purchase or refinance of residential properties. Data on market share is difficult to find on a granular level for individual community banks. Competitors: Busey Bank (BUSE), First Mid-Illinois Bancshares, Inc. (FMBH), major mortgage lenders such as Rocket Mortgage and United Wholesale Mortgage.
Market Dynamics
Industry Overview
The banking industry is currently characterized by increasing interest rates, regulatory changes, and technological advancements (FinTech). Community banks face competition from larger national banks and non-bank financial institutions.
Positioning
HBT Financial Inc. is positioned as a community bank focused on serving the needs of businesses and individuals in central and northeastern Illinois. Its competitive advantages include local market knowledge, personalized service, and long-standing relationships with customers.
Total Addressable Market (TAM)
The total addressable market includes the banking services market in central and northeastern Illinois, encompassing commercial lending, retail banking, and wealth management. Estimating a precise TAM is challenging, but given the population and economic activity in the region, it can be estimated to be multiple billions of dollars. HBT Financial Inc. aims to capture a significant portion of this market through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Established customer relationships
- Diversified product offerings
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on local economy
- Lower brand recognition outside of its operating region
- Smaller technology budget than larger competitors
Opportunities
- Expansion into adjacent markets
- Increased adoption of digital banking services
- Acquisition of smaller community banks
- Growing wealth management business
- Increasing demand for specialized lending products
Threats
- Increasing competition from larger banks and credit unions
- Rising interest rates
- Economic downturns
- Cybersecurity threats
- Regulatory changes
Competitors and Market Share
Key Competitors
- BUSE
- FMBH
- CFBK
Competitive Landscape
HBT Financial Inc. competes with larger regional and national banks, as well as other community banks. Its advantages include local expertise and customer relationships. Disadvantages include limited geographic reach and lower brand recognition compared to larger competitors. Note: Accurate market share data for specific geographic areas is difficult to obtain for individual community banks.
Growth Trajectory and Initiatives
Historical Growth: Assess past growth rates in revenue, assets, and market share.
Future Projections: Analyst estimates for future growth are needed. Look for projected revenue growth, EPS growth, and expansion plans.
Recent Initiatives: Highlight any recent acquisitions, new product launches, or strategic partnerships.
Summary
HBT Financial Inc. is a stable community bank with a strong presence in its core markets. It benefits from its established customer relationships and local market knowledge. However, it faces competition from larger banks and must invest in technology to remain competitive. Its future growth depends on expanding into new markets and successfully managing its asset quality.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market share data is estimated and may not be precise.
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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