Stock Scorecard
Stock Summary for HBT Financial Inc (HBT) - $27.59 as of 12/19/2025 6:15:01 PM EST
Total Score
15 out of 30
Safety Score
39 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for HBT
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for HBT
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for HBT
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for HBT
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for HBT (39 out of 100)
| Stock Price Rating (Max of 10) | 7 |
| Historical Stock Price Rating (Max of 10) | 6 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 6 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 2 |
| Analyst Strong Buy Ratings (Max of 5) | 4 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 2 |
| Price to Earnings (Max of 10) | 0 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | -10 |
Latest News for for HBT
Financial Details for HBT
Company Overview |
|
|---|---|
| Ticker | HBT |
| Company Name | HBT Financial Inc |
| Country | N/A |
| Description | HBT Financial, Inc., headquartered in Bloomington, Illinois, is a financial services holding company comprising Heartland Bank and Trust Company and State Bank of Lincoln. The firm provides a comprehensive suite of commercial and retail banking products tailored for individuals, businesses, and municipalities within its expanding regional footprint. With a strong commitment to community development and exceptional customer service, HBT Financial aims to serve as a reliable partner in driving economic growth and enhancing the quality of life in the communities it serves. Its strategic focus on sustainable banking practices positions it well for long-term stability and success in the financial services sector. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/28/2026 |
Stock Price History |
|
| Last Day Price | 27.59 |
| Price 4 Years Ago | 16.27 |
| Last Day Price Updated | 12/19/2025 6:15:01 PM EST |
| Last Day Volume | 40,214 |
| Average Daily Volume | 33,405 |
| 52-Week High | 26.79 |
| 52-Week Low | 18.96 |
| Last Price to 52 Week Low | 45.52% |
Valuation Measures |
|
| Trailing PE | N/A |
| Industry PE | 16.71 |
| Sector PE | 20.58 |
| 5-Year Average PE | 9.32 |
| Free Cash Flow Ratio | 5.59 |
| Industry Free Cash Flow Ratio | 4.98 |
| Sector Free Cash Flow Ratio | 44.47 |
| Current Ratio Most Recent Quarter | 0.15 |
| Total Cash Per Share | 4.94 |
| Book Value Per Share Most Recent Quarter | 19.05 |
| Price to Book Ratio | 1.37 |
| Industry Price to Book Ratio | 1.19 |
| Sector Price to Book Ratio | 1.93 |
| Price to Sales Ratio Twelve Trailing Months | 3.55 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.45 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.09 |
| Analyst Buy Ratings | 1 |
| Analyst Strong Buy Ratings | 2 |
Share Statistics |
|
| Total Shares Outstanding | 31,431,900 |
| Market Capitalization | 867,206,121 |
| Institutional Ownership | N/A |
Dividends |
|
| Ex-Dividend Date | 11/3/2025 |
| Previous Dividend Amount | 0.2100 |
| Current Dividend Amount | 0.2100 |
| Total Years Dividend Increasing | 3 |
| Trailing Annual Dividend Rate | 0.84 |
| Trailing Annual Dividend Yield | 3.11% |
| Forward Annual Dividend Rate | 0.84 |
| Forward Annual Dividend Yield | 3.11% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.37% |
| 5-Year Average Dividend Yield | 3.49% |
| 1-Year Dividend Growth Rate Percentage | 10.53% |
| 3-Year Dividend Growth Rate Percentage | 11.14% |
| 5-Year Dividend Growth Rate Percentage | 8.78% |
| All-Time Dividend Growth Rate Percentage | 6.96% |
| Dividend Payout Ratio | 33.47% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 10.10% |
| Annual Earnings Growth | 9.02% |
| Reported EPS 12 Trailing Months | 2.51 |
| Reported EPS Past Year | 1.89 |
| Reported EPS Prior Year | 2.37 |
| Net Income Twelve Trailing Months | 78,342,000 |
| Net Income Past Year | 71,780,000 |
| Net Income Prior Year | 65,842,000 |
| Quarterly Revenue Growth YOY | 6.10% |
| 5-Year Revenue Growth | 10.41% |
| Operating Margin Twelve Trailing Months | 47.30% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 155,133,000 |
| Total Cash Past Year | 137,692,000 |
| Total Cash Prior Year | 141,761,000 |
| Net Cash Position Most Recent Quarter | 94,968,000 |
| Net Cash Position Past Year | 32,059,000 |
| Long Term Debt Past Year | 105,633,000 |
| Long Term Debt Prior Year | 104,886,000 |
| Total Debt Most Recent Quarter | 60,165,000 |
| Equity to Debt Ratio Past Year | 0.84 |
| Equity to Debt Ratio Most Recent Quarter | 0.91 |
| Total Stockholder Equity Past Year | 544,605,000 |
| Total Stockholder Equity Prior Year | 489,496,000 |
| Total Stockholder Equity Most Recent Quarter | 599,129,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 71,217,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 2.27 |
| Free Cash Flow Past Year | 83,866,000 |
| Free Cash Flow Prior Year | 62,695,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | Options Chain |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.00 |
| MACD Signal | 0.00 |
| 20-Day Bollinger Lower Band | 0.00 |
| 20-Day Bollinger Middle Band | 0.00 |
| 20-Day Bollinger Upper Band | 0.00 |
| Beta | 0.60 |
| RSI | 0.00 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 12/18/2025 12:29:37 AM EST |