Hbt Financial Inc (HBT)

HBT Financial, Inc. is a common stock listing on NASDAQ for the bank holding company of Heartland Bank and Trust Company. Through its banking subsidiary, the company serves consumers, businesses, and municipal entities in Illinois and eastern Iowa with a range of financial products and services. Its deposit offerings include checking, savings, money market, certificate of deposit, HSA, and IRA accounts. Lending activities cover commercial real estate, construction and land development, multifamily, commercial and industrial, owner-occupied CRE, agricultural and farmland, residential mortgage, consumer, municipal, and other loan types. The company also provides digital banking, treasury management, trust and investment services, financial planning, retirement plan consulting and administration, brokerage services, farm management, farmland brokerage, and crop insurance. Founded in 1920 and headquartered in Bloomington, Illinois, the company was previously known as Heartland Bancorp, Inc. before adopting its current name in September 2019.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-HBT
$37.03
4.5% Upside
Fair
$40.40
14.1% Upside
Fair
Good
2.8%
October 26, 2026
16.7x
1.7x
4.9x
1.288 B
10.6%
43.6%
-1.9
37.3%
97.3%
Valuation • Fair Value

Hbt Financial Inc (NASDAQ-HBT) Fair Value by Valuation Model

Review the available estimates for Hbt Financial Inc (NASDAQ-HBT), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$37.03

Estimated upside of 4.5% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$23.72

Classic Ben Graham valuation formula reference.

DDM Fair Value

$54.44

Dividend discount model valuation reference.

Comps Fair Value

$31.22

Comparable-company valuation reference.

Analyst Price Target

$40.40

Analysts imply upside of 14.1%.

How to read these valuation models

Use the 6 available valuation references for Hbt Financial Inc (NASDAQ-HBT) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Hbt Financial Inc (NASDAQ-HBT)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

265.9 M

Current operating scale indicator.

Revenue Forecast

317.2 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Hbt Financial Inc (NASDAQ-HBT) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Hbt Financial Inc (NASDAQ-HBT)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

3

Weak quality score that deserves closer review.

Altman Z-Score

-1.9

Lower score that deserves closer risk review.

FCF / Net Income

97.3%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Hbt Financial Inc (NASDAQ-HBT). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Hbt Financial Inc (NASDAQ-HBT)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

October 26, 2026

Days to Earnings

34

Dividend Yield

2.8%

Current income yield reference.

Payout Ratio

37.3%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Hbt Financial Inc (NASDAQ-HBT), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Hbt Financial Inc (NASDAQ-HBT) Stock Forecast & Technical Outlook

Review Hbt Financial Inc (NASDAQ-HBT) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Hbt Financial Inc (NASDAQ-HBT) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Hbt Financial Inc (NASDAQ-HBT) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Neutral

The daily technical read for Hbt Financial Inc (NASDAQ-HBT) is currently Neutral. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Hbt Financial Inc (NASDAQ-HBT) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Hbt Financial Inc (NASDAQ-HBT) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Hbt Financial Inc (NASDAQ-HBT)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Hold

Based on the available recommendation mix, Hbt Financial Inc (NASDAQ-HBT) has a Hold consensus, with 1 buy, 2 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 2
Sell 0
FAQ Fast Investor Answers

Hbt Financial Inc (NASDAQ-HBT) Stock FAQ

Data-supported answers about Hbt Financial Inc (NASDAQ-HBT), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$37.03
Estimated upside 4.5%
Valuation Rating
Undervalued
Estimated upside of 4.5%
Analyst Target
$40.40
Implied upside 14.1%
Financial Health
Good
Current financial-health read

The current fair value estimate for Hbt Financial Inc (NASDAQ-HBT) is $37.03. This implies an estimated upside of 4.5% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 4.5% versus the current market price.

The available analyst price target for Hbt Financial Inc (NASDAQ-HBT) is $40.40. The analyst target implies estimated upside of 14.1%.

The current financial health read for Hbt Financial Inc (NASDAQ-HBT) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Hbt Financial Inc (NASDAQ-HBT) is October 26, 2026.

Based on the current data, dividend yield is 2.8%.

The current P/E ratio listed for Hbt Financial Inc (NASDAQ-HBT) is 16.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Hbt Financial Inc is 1.288 B.

The ticker symbol for Hbt Financial Inc is NASDAQ-HBT, and the stock is listed on NASDAQ.

Hbt Financial Inc (NASDAQ-HBT) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Hbt Financial Inc is 10.6%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Hbt Financial Inc is 43.6%. Free float helps investors understand how much of the share base is available for public trading.