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HBT Financial(NASDAQ) HBT

Current Price$32.36
Market Cap$1.18BMarket 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)+169%
5 Year+127%
1 Year+28%
1 Month+6%
HBT Financial last closing stock price
MetricPriceDate
Last closeUSD 32.382026-07-22
HBT Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.47%USD 32.232026-07-15
1 month+6.23%USD 30.482026-06-22
3 month+16.24%USD 27.862026-04-23
Year to date+27.3%USD 25.442025-12-31
1 year+28.12%USD 25.272025-07-22
3 year+80.54%USD 17.942023-07-21
5 year+126.63%USD 14.292021-07-23
Since inception+168.54%USD 12.262019-10-11

HBT Financial Financials at a Glance

Market Cap

$1.18BMarket 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)

$303.99M

Net Income (TTM)

$69.13M

EPS (TTM)

$2.17

P/E Ratio

14.92

Dividend

$0.88

Beta (Volatility)

0.64 (Low)

Price

$32.36

Volume

2,970

Open

$32.72

Previous Close

$32.36

Daily Range

$32.15 - $32.72

52-Week Range

$22.36 - $33.70

Estimated Earnings Date

Jul 27, 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

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About HBT Financial

HBT Financial helps people and businesses in the Midwest manage their money through a local bank. It provides everyday banking services like loans, savings accounts, and investment advice. The company focuses on serving communities across Illinois and eastern Iowa.

Lending, Savings, and Advice

  • Commercial Lending: Business loans for real estate, equipment, and daily operations; includes financing for multi-family housing and warehouses.
  • Agricultural Banking: Specialized loans for farmers to cover crop costs, machinery, and land purchases in rural communities.
  • Retail Deposits: Personal accounts for consumers including checking, savings, and health savings accounts.
  • Wealth Management: Financial planning, trust administration, and investment services for individuals and estates.
  • Residential Mortgages: Home loan originations and servicing for single-family residences and condominiums.

Growing the Footprint

  • Completed the acquisition of CNB Bank Shares, Inc. on March 1, 2026, adding $1.8 billion in total assets.
  • Acquired Town and Country Financial Corporation on February 1, 2023, which expanded the bank's footprint into the St. Louis area.
  • Expanded the branch network to 66 full-service locations across Illinois and eastern Iowa by the end of 2025.

A Local Market Leader

The company maintains a leading deposit market share in many mid-sized Illinois cities where larger national banks have a smaller presence. This local focus allows the bank to use stable, low-cost customer deposits to fund its loan growth.

The Recent Financial Picture

  • Revenue reached $82.7 million in Q1 2026, up 14.8% from $72.1 million in Q1 2025.
  • Net income was $11.2 million in Q1 2026, down 41.3% from $19.1 million in Q1 2025.
  • Total assets stood at $5.1 billion as of December 31, 2025, supported by $4.4 billion in total deposits.
  • Operating income fell to $15.1 million in Q1 2026, down 41% from $25.5 million in Q1 2025.

Bottom Line

HBT Financial has evolved from a small community bank into a regional holding company through steady acquisitions and local lending. Its strategy relies on deep roots in the Midwest to provide stable funding and diversified financial services.

AI Generated • May 2, 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

80.63%

Operating Margin

30.94%

Net Income Margin

22.74%

Return on Equity

10.87%

Return on Capital

15.35%

Return on Assets

1.02%

Earnings Yield

6.70%

Dividend Yield

2.72%

Payout Ratio

39.36%

Stock Overview

Market Cap

$1.18BMarket 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

36.38M

Volume

2.97K

Avg. Volume

147.40K

Financials (TTM)

Gross Profit

$245.11M

Operating Income

$94.05M

EBITDA

$99.53M

Operating Cash Flow

$83.15M

Capital Expenditure

-$11.70M

Free Cash Flow

$71.46M

Cash & ST Invst.

$1.06B

Total Debt

$154.31M

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
Q22025-06-301.4%
Q32025-09-301.2%
Q42025-12-310.5%
Q12026-03-3111.4%
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
Q22025-06-301.7%
Q32025-09-303.3%
Q42025-12-31-4.8%
Q12026-03-31-43.3%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$82.72M

+14.8%

Gross Profit

$67.43M

+18.2%

Gross Margin

81.51%

N/A

Market Cap

$1.18BMarket 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

$1.43M

N/A

Employees

826

N/A

Net Income

$11.20M

-41.3%

EBITDA

$16.91M

-37.3%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$1.06B

+71.7%

Total Debt

$154.31M

+50.8%

Accounts Receivable

$35.31M

+55.3%

Inventory

$0.00

N/A

Long Term Debt

$149.26M

+49.8%

Short Term Debt

$5.05M

+87.0%

Return on Assets

1.02%

N/A

Return on Invested Capital

1.39%

N/A

Free Cash Flow

$25.80M

-11.5%

Operating Cash Flow

$28.52M

-6.3%

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Questions About HBT

What is the current price of HBT Financial?

HBT Financial is trading at $32.36 per share.

What is the 52-week range for HBT Financial?

Over the past 52 weeks, HBT Financial has traded between $22.36 and $33.70.

How much debt does HBT Financial have?

As of the most recent reporting period, HBT Financial reported total debt of $154.31M.

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 2.72%.

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