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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 offers deposit account services, such as noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposit, HSA, and IRA accounts. It also provides lending products, including non-owner occupied regulatory commercial real estate (CRE), construction and land development and multi-family; commercial and industrial and owner-occupied CRE; agricultural and farmland; one-to-four family residential loans; municipal, consumer, and other loans; residential mortgage origination and servicing; and traditional trust and investment services. In addition, the company offers digital banking services comprising online banking, mobile banking, digital payments, and personal financial management tools; small business and commercial checking accounts, and treasury management services; financial planning to consumers, trusts, and estates; and trustee and custodial services. Further, it provides investment management services; corporate retirement plan consulting and administration; retail brokerage services; farm management services, broker farmland sale, and crop insurance. 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.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Public information on Hbt Financial Inc is limited; it is a publicly listed financial holding company that appears to operate a regional banking franchise. Long-term growth drivers may include local economic activity, loan and deposit expansion and net interest margin improvement, which could make the company attractive to investors seeking regional bank exposure.
Key risks are interest-rate sensitivity, regional economic or credit deterioration, and regulatory or competitive pressures that could compress margins or raise loan losses.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 104.51M | 97.38M | 88.58M | 81.79M | 76.56M |
| Net income | 77.01M | 71.78M | 65.84M | 60.47M | 56.27M |
| Selling general administrative | 57.58M | 78.69M | 79.77M | 61.26M | 64.50M |
| Selling and marketing expenses | 36.26M | 4.32M | 5.04M | 3.80M | 3.38M |
| Gross profit | 234.74M | 219.33M | 218.14M | 179.54M | 158.41M |
| Reconciled depreciation | 5.93M | 5.78M | 5.20M | 0.87M | 1.05M |
| Ebit | 104.51M | 97.38M | 88.58M | 86.41M | 76.56M |
| Ebitda | 109.58M | 103.17M | 94.36M | 87.29M | 77.62M |
| Depreciation and amortization | 5.07M | 5.78M | 5.78M | 0.87M | 1.05M |
| Operating income | 104.51M | 97.38M | 88.58M | 86.41M | 76.56M |
| Other operating expenses | 188.82M | 187.83M | 175.06M | 93.13M | 81.85M |
| Interest expense | 56.89M | 62.85M | 37.93M | 7.18M | 5.82M |
| Tax provision | 27.50M | 25.60M | 20.87M | 21.32M | 20.29M |
| Interest income | 255.78M | 251.70M | 212.54M | 153.05M | 128.22M |
| Net interest income | 198.90M | 188.85M | 186.17M | 145.87M | 122.40M |
| Income tax expense | 27.50M | 25.60M | 22.74M | 21.32M | 20.29M |
| Total revenue | 293.33M | 285.21M | 263.64M | 179.54M | 158.41M |
| Total operating expenses | 130.23M | 121.95M | 129.56M | -93.13M | -81.85M |
| Cost of revenue | 58.59M | 65.88M | 45.50M | - | - |
| Total other income expense net | - | -150.00M | 84.13M | -4.62M | -5.82M |
| Net income from continuing ops | 77.01M | 71.78M | 60.54M | 60.47M | 56.27M |
| Net income applicable to common shares | - | - | - | 56.46M | 56.17M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 5071.39M | 5032.90M | 5073.17M | 4277.75M | 4314.25M |
| Intangible assets | 15.12M | 36.67M | 39.68M | 11.22M | 9.94M |
| Other current assets | - | - | 167.15M | 95.19M | 1570.80M |
| Total liab | 4455.89M | 4488.30M | 4583.67M | 3900.10M | 77.03M |
| Total stockholder equity | 615.50M | 544.61M | 489.50M | 377.65M | 411.88M |
| Other current liab | 3032.56M | 4318.25M | 3697.78M | 3587.02M | 3738.18M |
| Common stock | 0.33M | 0.33M | 0.33M | 0.29M | 0.29M |
| Capital stock | 0.33M | 0.33M | 0.33M | 0.29M | 0.29M |
| Retained earnings | 367.16M | 316.76M | 269.05M | 236.02M | 194.13M |
| Other liab | - | - | - | 38.84M | 25.90M |
| Good will | 59.82M | 59.82M | 59.82M | 29.32M | 29.32M |
| Other assets | 4059.89M | 4134.50M | - | 1818.26M | 1570.80M |
| Cash | 24.42M | 137.69M | 141.76M | 114.16M | 409.76M |
| Total current liabilities | 3032.56M | 4347.22M | 3740.22M | 3747.02M | 336.19M |
| Net debt | 40.79M | -3.09M | 5.57M | 123.02M | -332.73M |
| Short term debt | - | 28.97M | 42.44M | 160.00M | 336.19M |
| Short long term debt total | 65.21M | 134.60M | 147.33M | 237.18M | 77.03M |
| Other stockholder equity | 271.02M | -23.02M | 277.28M | 213.09M | 215.99M |
| Property plant equipment | - | - | - | 50.70M | 52.48M |
| Total current assets | 861.30M | 214.75M | 167.15M | 977.19M | 1366.83M |
| Long term investments | 1279.39M | 1205.46M | 1288.38M | 1391.30M | 1284.89M |
| Net tangible assets | - | - | - | 343.24M | 380.62M |
| Short term investments | 813.10M | 52.28M | 759.46M | 843.52M | 942.17M |
| Net receivables | 23.78M | 24.77M | 24.53M | 19.51M | 14.90M |
| Long term debt | 65.21M | 105.63M | 104.89M | 237.18M | 77.03M |
| Inventory | - | - | 1.72M | 3.03M | 3.28M |
| Accounts payable | - | - | - | 3587.02M | 3738.18M |
| Accumulated other comprehensive income | -23.02M | 250.53M | -57.16M | -71.76M | 1.47M |
| Common stock total equity | - | - | - | 0.29M | 0.29M |
| Retained earnings total equity | - | - | - | 232.00M | 194.13M |
| Non currrent assets other | - | 75.72M | 48.55M | -1482.30M | -1376.63M |
| Non current assets total | 150.19M | 4818.15M | 4906.02M | 1482.30M | 1376.63M |
| Long term debt total | - | - | - | 77.17M | 77.03M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -43.74M | 32.35M | 139.83M | -330.70M | -350.19M |
| Change to liabilities | - | - | - | 22.32M | -17.78M |
| Total cashflows from investing activities | -39.64M | 32.35M | 132.66M | -335.12M | -349.61M |
| Net borrowings | -41.09M | 0.21M | -234.19M | -18.18M | -1.08M |
| Total cash from financing activities | -60.85M | -125.28M | -171.40M | -32.57M | 403.33M |
| Change to operating activities | - | - | - | 12.16M | -17.80M |
| Net income | 77.01M | 71.78M | 65.84M | 56.46M | 56.27M |
| Change in cash | -15.42M | -3.56M | 27.09M | -295.11M | 96.82M |
| Begin period cash flow | 137.69M | 141.25M | 114.16M | 409.27M | 312.45M |
| End period cash flow | 122.27M | 137.69M | 141.25M | 114.16M | 409.27M |
| Total cash from operating activities | 85.07M | 89.37M | 65.83M | 72.59M | 43.10M |
| Issuance of capital stock | - | - | - | - | 0.00M |
| Depreciation | 5.93M | 5.78M | 5.78M | 3.92M | 4.13M |
| Other cashflows from investing activities | 14.34M | -52.38M | -134.62M | -4.43M | 0.58M |
| Dividends paid | 26.61M | 24.18M | 21.87M | 18.58M | 16.75M |
| Change to account receivables | 0.99M | -0.24M | -1.92M | -4.61M | 0.24M |
| Sale purchase of stock | -4.50M | -4.42M | -8.91M | -4.78M | -4.91M |
| Other cashflows from financing activities | 11.35M | -96.88M | 93.58M | -10.13M | 437.50M |
| Change to netincome | - | - | - | 0.39M | 4.33M |
| Capital expenditures | 10.25M | 5.51M | 3.13M | 1.05M | 1.03M |
| Change receivables | - | - | - | -4.61M | 0.24M |
| Cash flows other operating | - | - | - | -12.84M | -11.04M |
| Cash and cash equivalents changes | - | - | - | -295.11M | 96.82M |
| Change in working capital | 0.29M | 4.29M | -18.66M | 7.39M | -17.60M |
| Stock based compensation | 1.94M | 1.75M | 1.95M | 1.95M | 0.76M |
| Other non cash items | -0.43M | 4.77M | 7.10M | 5.80M | -3.37M |
| Free cash flow | 74.82M | 83.87M | 62.70M | 71.54M | 42.07M |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| HBT Hbt Financial Inc |
-0.28 0.76% |
36.52 | 15.57 | - | 5.00 | 1.74 | 5.56 |
| DBSDY DBS Group Holdings Ltd ADR |
-2.42 1.05% |
227.80 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
1.20 3.58% |
34.75 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
-0.02 0.02% |
82.05 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
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 offers deposit account services, such as noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposit, HSA, and IRA accounts. It also provides lending products, including non-owner occupied regulatory commercial real estate (CRE), construction and land development and multi-family; commercial and industrial and owner-occupied CRE; agricultural and farmland; one-to-four family residential loans; municipal, consumer, and other loans; residential mortgage origination and servicing; and traditional trust and investment services. In addition, the company offers digital banking services comprising online banking, mobile banking, digital payments, and personal financial management tools; small business and commercial checking accounts, and treasury management services; financial planning to consumers, trusts, and estates; and trustee and custodial services. Further, it provides investment management services; corporate retirement plan consulting and administration; retail brokerage services; farm management services, broker farmland sale, and crop insurance. 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.
401 North Hershey Road, Bloomington, IL, United States, 61704
309 662 4444
826
| Name | Title | Year Born |
|---|---|---|
| Mr. Fred L. Drake | Chairman & CEO | 1957 |
| Mr. J. Lance Carter | Pres, COO & Director | 1971 |
| Mr. Patrick F. Busch | Exec. VP, Chief Lending Officer & Director | 1957 |
| Mr. Matthew J. Doherty | Exec. VP & CFO | 1962 |
| Mr. Mark W. Scheirer | Exec. VP & Chief Credit Officer | 1970 |
| Ms. Andrea E. Zurkamer | Exec. VP & Chief Risk Officer | 1978 |
| Mr. Peter Chapman | Exec. VP | 1974 |
| Mr. James E. Lyons | VP & Controller | NA |
| Ms. Diane H. Lanier | Exec. VP, Chief Retail Officer & Sec. | 1963 |
| Mr. Fred L. Drake | Executive Chairman | 1958 |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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