HBT Financial, Inc.
HBTFinancial ServicesNASDAQBanks - Regional · Last scanned Oct 26, 2026
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Daily timeframeHBT 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. At a $1.32B market cap, HBT Financial, Inc. ranks as a small-cap company within financial services. 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.
Market Cap
$1.32B
Beta
0.49
P/E (TTM)
15.42
P/E (Fwd)
10.47
EPS (TTM)
$2.35
EPS (Fwd)
$3.46
ROE
11.6%
ROA
1.3%
Cash
$135.3M
Total Debt
$153.3M
Free CF
—
52W Change
47.8%
Annual Financials
Cash vs Debt
Where HBT stands vs its 150-day and 200-day moving averages
As of the October 12, 2026 close, HBT finished 11.66% above its 150-day moving average ($31.30) and 15.81% above its 200-day moving average ($30.18). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is HBT overbought or oversold?
At the October 12, 2026 close, HBT's RSI(14) was 42.5, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
On the balance sheet, HBT has $135.3M in cash with $153.3M in obligations. The ability to service this debt comfortably depends on continued operational cash generation. Return on equity stands at 11.6%, which is decent for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.3% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $179.5M (2022) to $235.7M (2025), reflecting a 31% increase over the period.
With a beta below 0.7, HBT Financial, Inc. typically sees smaller price swings than the overall market, offering a degree of stability during turbulent periods. It is important to consider these factors alongside broader market conditions and individual financial goals when reviewing HBT.