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Upturn AI Summary - About
Hbt Financial Inc(HBT)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for HBT
11/09/2026: HBT (2-star) is currently NOT-A-BUY. Pass it for now.
HBT Financial Inc is a regional bank holding company that operates as a core provider of financial services throughout Central Illinois and Missouri. The company is known for its conservative lending culture and stable deposit base, which support a consistent dividend for income-oriented investors. While its regional concentration limits geographical diversification, HBT leverages deep local relationships to compete effectively against larger institutions. Primary risks include sensitivity to interest rate fluctuations and intense competition for deposits. Investors seeking a stable, value-oriented regional banking stock may find HBT a suitable fit, though monitoring regional economic health and future acquisition integration remains critical for evaluating long-term performance.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | HBT is a stable regional bank focused on steady growth rather than aggressive expansion. |
| Momentum investor | Weak fit | The stock typically exhibits low volatility and lacks the rapid price swings momentum traders seek. |
| Value investor | Strong fit | HBT often trades at reasonable valuation multiples relative to its earnings and book value. |
| Dividend investor | Strong fit | The company has a reliable history of paying dividends, making it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | Conservative management and a stable business model appeal to those prioritizing capital preservation. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Low | The stock generally tracks the broader regional banking index with limited idiosyncratic volatility. |
| Valuation risk | Low | The company typically trades within a normalized range for regional financial institutions. |
| Competition risk (Regional Banking) | Medium | Intense competition from larger banks could compress margins and market share. |
| Business quality | Strong | Heartland Bank has a long-standing reputation for conservative and consistent operations. |
| Dividend income | Low | The dividend is supported by consistent earnings, suggesting low risk of cuts. |
| Execution risk | Medium | Successful integration of future acquisitions is required to maintain historical growth rates. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -2.73% | Avg. Invested days 44 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.35B USD | Price to earnings Ratio 14.29 | 1Y Target Price 42 |
Price to earnings Ratio 14.29 | 1Y Target Price 42 | ||
Volume (30-day avg) 130.1K shares | Beta 0.42 | 52 Weeks Range 21.71 - 38.53 | Updated Date 11/08/2026 |
52 Weeks Range 21.71 - 38.53 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.48% | Basic EPS (TTM) 2.59 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans and securities minus interest paid on deposits. | This is the primary way the bank makes money; it thrives when the difference between interest earned and interest paid is high. |
| Non-Interest Income | Service charges, trust fees, and mortgage banking income. | This represents stable, fee-based revenue that helps diversify the bank's income stream. |
| Geography: Central Illinois/Missouri | Lending and deposit gathering operations. | The bank's success is tied to the economic health of these specific Midwestern regions. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-26 | When Before Market | Estimate 0.78 | Actual 0.86 |
Profitability
Profit Margin 30.63% | Operating Margin (TTM) 52.86% |
Management Effectiveness
Return on Assets (TTM) 1.52% | Return on Equity (TTM) 13.21% |
Valuation
Trailing PE 14.29 | Forward PE - | Enterprise Value 1.37B | Price to Sales(TTM) 4.61 |
Enterprise Value 1.37B | Price to Sales(TTM) 4.61 | ||
Enterprise Value to Revenue 5.14 | Enterprise Value to EBITDA - | Shares Outstanding 36.37M | Shares Floating 15.84M |
Shares Outstanding 36.37M | Shares Floating 15.84M | ||
Percent Insiders 56.4 | Percent Institutions 26.25 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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