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Company Analysis

HBT Financial, Inc. HBT

A comprehensive view of key metrics, scores, and financial health for HBT Financial, Inc.

Overview of HBT Financial, Inc.

HBT NMS
Financial Services Banks - Regional Small Cap
HBT Financial, Inc. (HBT), is a Small Cap company, in the Banks - Regional industry, last closed at $26.17, about 24.9% overvalued vs fair value, +12.9% 1Y return, placing in the top 25% of its sector.
$26.17
-0.57%
As of March 13, 2026
Previous close • Vol 90d: 28.3%
52-Week Range
Market Cap
$966.86M
Enterprise Value
$1.01B
Overall Score
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Top Beats

Quick Facts

Website https://ir.hbtfinancial.com
HQ Bloomington, IL
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$11
$20
$37
Current: $26.17 -25% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$251.7M
9.9%%
Interest Expense
$56.9M
Net Interest Income
$188.8M
-1.2%%
Total Revenue
$293.3M
31.9%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.2%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$28.6M
39.9% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating HBT Financial, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
83
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
90
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing HBT's balance between Growth (16.5%), Profitability (41.5%), and Safety (42.0%). Growth 17% Safety 42% Profitability 42%

Click axes to expand details. Marker shows current allocation.

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Growth

34th percentile vs peers
34
Key Signals
Revenue CAGR 3Y 17.8% 48p Rev Growth YoY 31.9% 29p Asset Growth YoY 0.8% 25p
Strengths
  • Roe in top 20% of peers (13.9%, 87th percentile)
  • Operating Margin in top 20% of peers (35.6%, 86th percentile)
  • Roa in top 20% of peers (1.4%, 86th percentile)
Risks
  • Growth below peer median (percentile: 34)

Profitability

85th percentile vs peers
86
Key Signals
Strengths
Risks
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Safety

86th percentile vs peers
87
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for HBT Financial, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$19.65
- - -
-24.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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