(HBT) Hbt Financial - Overview
Stock: Loans, Deposits, Wealth, Treasury, Digital
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.49% |
| Yield on Cost 5y | 4.73% |
| Yield CAGR 5y | 8.78% |
| Payout Consistency | 99.3% |
| Payout Ratio | 26.7% |
| Risk 5d forecast | |
|---|---|
| Volatility | 29.7% |
| Relative Tail Risk | -10.4% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.60 |
| Alpha | 7.47 |
| Character TTM | |
|---|---|
| Beta | 0.662 |
| Beta Downside | 0.578 |
| Drawdowns 3y | |
|---|---|
| Max DD | 27.07% |
| CAGR/Max DD | 0.52 |
Description: HBT Hbt Financial January 26, 2026
HBT Financial, Inc. (NASDAQ:HBT) is the holding company for Heartland Bank and Trust, serving retail, commercial, and municipal customers in Illinois and eastern Iowa. Its deposit franchise includes demand, transaction, money-market, savings, CD, HSA, and IRA accounts, while its loan portfolio spans commercial real-estate (owner-occupied, non-owner-occupied, construction, multifamily), C&I, agricultural and farmland, residential (1-4-family), municipal, consumer, and specialty loans. The firm also provides wealth-management services (financial planning, trusts, investment management, retirement-plan consulting, brokerage), farmland management and sales, commercial checking, treasury management, residential mortgage origination, and a suite of digital banking tools.
According to the most recent Q4 2025 earnings release (filed 15 Nov 2025), HBT reported a net interest margin of 3.22 % and total loans of $2.12 billion, up 5 % YoY, driven primarily by growth in agricultural and multifamily financing. Deposits rose 4 % YoY to $2.78 billion, keeping the loan-to-deposit ratio near 76 %. Non-performing loans remained low at 0.48 % of total loans, and return on equity (ROE) was 9.6 % for the quarter, modestly above the regional-bank peer median of 8.9 %. Sector-wide, regional banks continue to feel pressure from a flattening yield curve and tighter credit conditions, but HBT’s diversified loan mix and strong foothold in agribusiness provide a relative hedge against a slowdown in traditional commercial-real-estate lending.
For a concise, data-driven view of HBT’s valuation and risk profile, the ValueRay platform offers a quick reference worth checking.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income: 77.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.18 > 1.0 |
| NWC/Revenue: -740.2% < 20% (prev -1449 %; Δ 708.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 78.5m > Net Income 77.0m |
| Net Debt (65.2m) to EBITDA (109.6m): 0.60 < 3 |
| Current Ratio: 0.28 > 1.5 & < 3 |
| Outstanding Shares: last quarter (31.4m) vs 12m ago -0.49% < -2% |
| Gross Margin: 80.03% > 18% (prev 0.77%; Δ 7926 % > 0.5%) |
| Asset Turnover: 5.81% > 50% (prev 5.67%; Δ 0.14% > 0%) |
| Interest Coverage Ratio: 1.84 > 6 (EBITDA TTM 109.6m / Interest Expense TTM 56.9m) |
Altman Z'' -2.28
| A: -0.43 (Total Current Assets 861.3m - Total Current Liabilities 3.03b) / Total Assets 5.07b |
| B: 0.07 (Retained Earnings 367.2m / Total Assets 5.07b) |
| C: 0.02 (EBIT TTM 104.5m / Avg Total Assets 5.05b) |
| D: 0.14 (Book Value of Equity 642.4m / Total Liabilities 4.46b) |
| Altman-Z'' Score: -2.28 = D |
Beneish M -3.18
| DSRI: 0.93 (Receivables 23.8m/24.8m, Revenue 293.3m/285.2m) |
| GMI: 0.96 (GM 80.03% / 76.90%) |
| AQI: 0.86 (AQ_t 0.82 / AQ_t-1 0.94) |
| SGI: 1.03 (Revenue 293.3m / 285.2m) |
| TATA: -0.00 (NI 77.0m - CFO 78.5m) / TA 5.07b) |
| Beneish M-Score: -3.18 (Cap -4..+1) = AA |
What is the price of HBT shares?
Over the past week, the price has changed by +9.38%, over one month by +12.72%, over three months by +24.94% and over the past year by +18.56%.
Is HBT a buy, sell or hold?
- StrongBuy: 1
- Buy: 2
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the HBT price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 30 | 1.7% |
| Analysts Target Price | 30 | 1.7% |
| ValueRay Target Price | 34 | 15.2% |
HBT Fundamental Data Overview January 31, 2026
P/S = 3.6172
P/B = 1.3523
Revenue TTM = 293.3m USD
EBIT TTM = 104.5m USD
EBITDA TTM = 109.6m USD
Long Term Debt = 60.2m USD (from longTermDebt, two quarters ago)
Short Term Debt = unknown (none)
Debt = 65.2m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 65.2m USD (from netDebt column, last quarter)
Enterprise Value = 73.8m USD (846.1m + Debt 65.2m - CCE 837.5m)
Interest Coverage Ratio = 1.84 (Ebit TTM 104.5m / Interest Expense TTM 56.9m)
EV/FCF = 1.04x (Enterprise Value 73.8m / FCF TTM 71.2m)
FCF Yield = 96.46% (FCF TTM 71.2m / Enterprise Value 73.8m)
FCF Margin = 24.28% (FCF TTM 71.2m / Revenue TTM 293.3m)
Net Margin = 26.25% (Net Income TTM 77.0m / Revenue TTM 293.3m)
Gross Margin = 80.03% ((Revenue TTM 293.3m - Cost of Revenue TTM 58.6m) / Revenue TTM)
Gross Margin QoQ = 81.36% (prev 79.78%)
Tobins Q-Ratio = 0.01 (Enterprise Value 73.8m / Total Assets 5.07b)
Interest Expense / Debt = 21.24% (Interest Expense 13.8m / Debt 65.2m)
Taxrate = 26.92% (6.98m / 25.9m)
NOPAT = 76.4m (EBIT 104.5m * (1 - 26.92%))
Current Ratio = 0.28 (Total Current Assets 861.3m / Total Current Liabilities 3.03b)
Debt / Equity = 0.11 (Debt 65.2m / totalStockholderEquity, last quarter 615.5m)
Debt / EBITDA = 0.60 (Net Debt 65.2m / EBITDA 109.6m)
Debt / FCF = 0.92 (Net Debt 65.2m / FCF TTM 71.2m)
Total Stockholder Equity = 590.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.52% (Net Income 77.0m / Total Assets 5.07b)
RoE = 13.05% (Net Income TTM 77.0m / Total Stockholder Equity 590.1m)
RoCE = 16.07% (EBIT 104.5m / Capital Employed (Equity 590.1m + L.T.Debt 60.2m))
RoIC = 11.43% (NOPAT 76.4m / Invested Capital 668.2m)
WACC = 8.86% (E(846.1m)/V(911.4m) * Re(8.35%) + D(65.2m)/V(911.4m) * Rd(21.24%) * (1-Tc(0.27)))
Discount Rate = 8.35% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -0.65%
[DCF Debug] Terminal Value 76.71% ; FCFF base≈74.7m ; Y1≈83.5m ; Y5≈110.6m
Fair Price DCF = 49.69 (EV 1.63b - Net Debt 65.2m = Equity 1.56b / Shares 31.4m; r=8.86% [WACC]; 5y FCF grow 13.69% → 2.90% )
EPS Correlation: 67.87 | EPS CAGR: 11.89% | SUE: 0.0 | # QB: 0
Revenue Correlation: 87.99 | Revenue CAGR: 15.54% | SUE: 3.50 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.62 | Chg30d=-0.015 | Revisions Net=+4 | Analysts=5
EPS current Year (2026-12-31): EPS=2.79 | Chg30d=-0.027 | Revisions Net=-1 | Growth EPS=+10.6% | Growth Revenue=+31.0%
EPS next Year (2027-12-31): EPS=3.02 | Chg30d=+0.058 | Revisions Net=-1 | Growth EPS=+8.5% | Growth Revenue=+6.9%