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HBT Financial(NASDAQ) HBT

Market Cap$1.33BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2019)+201%
5 Year+177%
1 Year+42%
1 Month+2%
Premium Feature
Moneyball Superscore
68/100
$36.56
+0.55%
+0.20Today
After hours$36.57+$0.01 (+0.03%)
HBT Financial last closing stock price
MetricPriceDate
Last closeUSD 36.592026-09-04
HBT Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+2.24%USD 35.792026-08-28
1 month+2.04%USD 35.862026-08-05
3 month+27.28%USD 28.752026-06-05
Year to date+44.86%USD 25.262025-12-31
1 year+42.06%USD 25.762025-09-04
3 year+110.88%USD 17.352023-09-05
5 year+176.88%USD 13.222021-09-03
Since inception+200.66%USD 12.172019-10-11

HBT Financial Financials at a Glance

Market Cap

$1.33BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$331.35M

Net Income (TTM)

$77.75M

EPS (TTM)

$2.33

P/E Ratio

15.73

Dividend

$0.92

Beta (Volatility)

0.64 (Low)

Price

$36.56

Volume

109,977.13

Open

$36.36

Previous Close

$36.59

Daily Range

$36.12 - $36.85

52-Week Range

$22.36 - $37.51

Estimated Earnings Date

Oct 26, 2026

HBT News

Person stuffing money into a piggy bank and smiling

Why HBT Financial Stock Cruised to a 4% Gain on Monday

Eric VolkmanOct 20, 2025
bank teller smiling at customer who has wallet in hand

Meet the Newest Bank IPO: HBT Financial

Dave KovaleskiDec 19, 2019

HBT: Motley Fool Moneyball Superscore

68

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About HBT Financial

HBT Financial, Inc. helps people and businesses manage their money. It provides loans for individuals buying homes and for companies growing their operations. The bank also offers financial planning and retirement services for local families.

Services for Every Need

  • Commercial Real Estate: Financing for apartment buildings, warehouses, and office spaces.
  • Business Banking: Loans and cash management tools for companies and municipal groups.
  • Wealth Management: Financial planning, retirement plan administration, and trust services.
  • Agricultural Finance: Specialized loans for farmers and insurance for crops.
  • Consumer Banking: Checking accounts, savings accounts, and home mortgages for individuals.

Expanding the Regional Footprint

  • Acquired CNB and its 18 full-service branch locations on March 1, 2026.
  • Combined different banking software into one platform through a system conversion in March 2026.
  • Issued $85.0 million in subordinated notes, which are long-term debt obligations, in March 2026.
  • Sold $313.1 million in acquired debt securities to buy higher-yielding investment assets.
  • Expanded the bank network into 83 total branches across Illinois, Iowa, and suburban St. Louis.

The Strength of Local Banking

The company holds a top-three rank in local deposits across many central Illinois markets. This leading position provides a stable source of low-cost funding for its banking activities.

Tracking Recent Performance

  • Net income reached $27.8 million in the three months ended June 30, 2026, up 44.8% year over year.
  • Net interest income, the profit after paying interest on deposits, hit $69.1 million in Q2 2026.
  • Loans held by the bank reached $4.75 billion as of June 30, 2026, up 37.5% from Dec. 31, 2025.
  • Total deposits rose to $5.76 billion by June 30, 2026, an increase of 32.1% from Dec. 31, 2025.

Bottom Line

HBT Financial has evolved through strategic acquisitions to become a prominent regional banking player. Its growth balances new market expansion with a deep-rooted presence in its core Illinois markets.

AI Generated • Aug 8, 2026

Industry

Banks

Sector

Financials

Employees

826

CEO

J. Lance Carter, MBA

Website

ir.hbtfinancial.com

Headquarters

Bloomington, IL 61704, US

HBT Financials

Key Financial Metrics (TTM)

Gross Margin

80.60%

Operating Margin

31.83%

Net Income Margin

23.46%

Return on Equity

11.41%

Return on Capital

15.35%

Return on Assets

1.16%

Earnings Yield

6.36%

Dividend Yield

2.51%

Payout Ratio

37.26%

Stock Overview

Market Cap

$1.33BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

36.37M

Volume

109.98K

Avg. Volume

169.37K

Financials (TTM)

Gross Profit

$267.06M

Operating Income

$105.47M

EBITDA

$109.48M

Operating Cash Flow

$86.81M

Capital Expenditure

-$11.14M

Free Cash Flow

$75.68M

Cash & ST Invst.

$1.67B

Total Debt

$149.33M

HBT Financial Performance Analysis

HBT Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 187,892,00013.4%
20232023-12-31USD 264,634,00040.8%
20242024-12-31USD 287,221,0008.5%
20252025-12-31USD 293,798,0002.3%
HBT Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-301.2%
Q42025-12-310.5%
Q12026-03-3111.4%
Q22026-06-3021.4%
HBT Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 1.95-3.5%
20232023-12-31USD 2.076.3%
20242024-12-31USD 2.269.2%
20252025-12-31USD 2.447.6%
HBT Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.3%
Q42025-12-31-4.8%
Q12026-03-31-43.3%
Q22026-06-30123.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$100.42M

+37.5%

Gross Profit

$80.22M

+37.7%

Gross Margin

79.88%

N/A

Market Cap

$1.33BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$1.61M

N/A

Employees

826

N/A

Net Income

$27.84M

+44.8%

EBITDA

$37.78M

+35.7%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$1.67B

+109.5%

Total Debt

$149.33M

+48.1%

Accounts Receivable

$35.08M

+70.1%

Inventory

$0.00

N/A

Long Term Debt

$149.33M

+48.9%

Short Term Debt

$0.00

-100.0%

Return on Assets

1.16%

N/A

Return on Invested Capital

10.88%

N/A

Free Cash Flow

$15.67M

+36.9%

Operating Cash Flow

$17.22M

+27.0%

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Questions About HBT

What is the current price of HBT Financial?

HBT Financial is trading at $36.59 per share.

What is the 52-week range for HBT Financial?

Over the past 52 weeks, HBT Financial has traded between $22.36 and $37.51.

How much debt does HBT Financial have?

As of the most recent reporting period, HBT Financial reported total debt of $149.33M.

How much cash does HBT Financial have on hand?

HBT Financial does not have cash on hand data available.

What is HBT Financial’s dividend yield?

HBT Financial currently has a dividend yield of 2.51%.

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