HBT Financial, Inc.

How big is HBT Financial, Inc.?

As of Jun 18, HBT Financial, Inc. has a market capitalization of 740.97 million and reported shareholder's funds of 544.61 million and total assets of 5,032.90 million as of Dec'24.

As of Jun 18, HBT Financial, Inc. has a market capitalization of 740.97 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of Net Profit for the latest four quarters is 75.59 million. The sum of Interest Earned for the same period is 252.88 million.<BR><BR>As of Dec'24, the reporting period shows Shareholder's Funds at 544.61 million and Total Assets at 5,032.90 million.

What does HBT Financial, Inc. do?

HBT Financial, Inc. is a micro-cap bank holding company in the Regional Banks industry, reporting net sales of $63 million and a net profit of $19 million as of March 2025. Key metrics include a P/E ratio of 10.00, a dividend yield of 254.47%, and a market cap of $740.97 million.

Overview: <BR>HBT Financial, Inc. is a bank holding company operating in the Regional Banks industry, with a market cap in the micro-cap bracket.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 63 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 19 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 740.97 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 10.00 <BR>Dividend Yield: 254.47% <BR>Debt Equity: 0.00 <BR>Return on Equity: 13.38% <BR>Price to Book: 1.31<BR><BR>Contact Details: <BR>Address: 401 N Hershey Rd, BLOOMINGTON IL : 61704-3742 <BR>Tel: 1 302 6365400 <BR>Website: https://ir.hbtfinancial.com/investor-relations

Should I buy, sell or hold HBT Financial, Inc.?

Who are in the management team of HBT Financial, Inc.?

As of March 2022, the management team of HBT Financial, Inc. includes CEO Fred Drake, President J. Lance Carter, Executive VP Patrick Busch, and several independent directors. They are responsible for the company's strategic direction and operations.

As of March 2022, the management team of HBT Financial, Inc. includes the following individuals:<BR><BR>- Mr. Fred Drake: Chairman of the Board, Chief Executive Officer, and Chairman of Heartland Bank and Lincoln Bank.<BR>- Mr. J. Lance Carter: President, Chief Operating Officer, Director of the Company, and President and Chief Lending Officer of Heartland Bank.<BR>- Mr. Patrick Busch: Executive Vice President, Chief Lending Officer, Director of the Company, and President and Chief Lending Officer of Heartland Bank.<BR>- Mr. Allen Drake: Director.<BR>- Dr. C. Alvin Bowman: Independent Director.<BR>- Mr. Eric Burwell: Independent Director.<BR>- Mr. Gerald Pfeiffer: Independent Director.<BR>- Mr. Dale Strassheim: Independent Director. <BR><BR>This team is responsible for guiding the strategic direction and operations of HBT Financial, Inc.

Is HBT Financial, Inc. technically bullish or bearish?

As of September 12, 2025, HBT Financial, Inc. shows a mildly bullish trend with mixed technical indicators, outperforming the S&P 500 recently but lagging behind over the longer term.

As of 12 September 2025, the technical trend for HBT Financial, Inc. has changed from bullish to mildly bullish. The weekly and monthly MACD indicators are bullish, and Bollinger Bands also reflect a bullish stance on both time frames. However, the Dow Theory indicates a mildly bearish trend on the weekly basis, while the On-Balance Volume shows a mildly bearish signal for both weekly and monthly periods. The daily moving averages remain bullish.<BR><BR>In terms of performance, HBT Financial has outperformed the S&P 500 over the past week (2.00% vs. 1.05%) and month (5.54% vs. 2.33%), but it has lagged behind on a one-year basis (15.77% vs. 17.14%) and significantly over three years (51.26% vs. 70.41%). Overall, the current technical stance is mildly bullish, with mixed signals from various indicators.

Is HBT Financial, Inc. overvalued or undervalued?

As of November 21, 2025, HBT Financial, Inc. is considered very attractive and undervalued with a P/E ratio of 10, a Price to Book Value of 1.32, and an EV to EBITDA of 6.03, despite a 3-year return of 17.47% that lags behind the S&P 500's 67.17%, supported by strong fundamentals like a ROCE of 22.06% and a high dividend yield of 253.39%.

As of 21 November 2025, the valuation grade for HBT Financial, Inc. moved from attractive to very attractive, indicating a strong improvement in its valuation outlook. The company is currently considered undervalued, supported by a P/E ratio of 10, a Price to Book Value of 1.32, and an EV to EBITDA of 6.03. In comparison, Banc of California, Inc. has a P/E ratio of 18.08, while Republic Bancorp, Inc. has a P/E of 10.77, highlighting HBT Financial's relative valuation advantage within its peer group.<BR><BR>Despite a mixed performance against the S&P 500, where HBT Financial's 3-year return of 17.47% lags behind the index's 67.17%, the company's strong fundamentals, including a robust ROCE of 22.06% and an impressive dividend yield of 253.39%, reinforce its undervalued status.