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HBT
Upturn stock ratingUpturn stock rating

Hbt Financial Inc (HBT)

Upturn stock ratingUpturn stock rating
$26.57
Last Close (24-hour delay)
Profit since last BUY14.18%
upturn advisory
Consider higher Upturn Star rating
BUY since 41 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

07/03/2025: HBT (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

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

Analysts Price Target For last 52 week
$25.8 Target price
52w Low $19.01
Current$26.57
52w High $26.6

Analysis of Past Performance

Type Stock
Historic Profit -19.11%
Avg. Invested days 27
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 07/03/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 836.83M USD
Price to earnings Ratio 11.16
1Y Target Price 25.8
Price to earnings Ratio 11.16
1Y Target Price 25.8
Volume (30-day avg) 5
Beta 0.55
52 Weeks Range 19.01 - 26.60
Updated Date 07/4/2025
52 Weeks Range 19.01 - 26.60
Updated Date 07/4/2025
Dividends yield (FY) 3.34%
Basic EPS (TTM) 2.38

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 11.16
Forward PE -
Enterprise Value 684749888
Price to Sales(TTM) 3.69
Enterprise Value 684749888
Price to Sales(TTM) 3.69
Enterprise Value to Revenue 4.11
Enterprise Value to EBITDA -
Shares Outstanding 31495400
Shares Floating 11460244
Shares Outstanding 31495400
Shares Floating 11460244
Percent Insiders 60.45
Percent Institutions 24.76

ai summary icon Upturn AI SWOT

Hbt Financial Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 844

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.