HBT Financial, Inc.
HBTFinancial ServicesNASDAQBanks - Regional
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Daily timeframeHeadquartered within the financial services sector, HBT Financial, Inc. focuses on Banks - Regional services and products. HBT 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. With a market capitalization of $1.19B, it sits in small-cap territory. 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
$1.19B
Beta
0.51
P/E (TTM)
15.31
P/E (Fwd)
10.62
EPS (TTM)
$2.14
EPS (Fwd)
$3.09
ROE
10.5%
ROA
1.2%
Cash
$290.9M
Total Debt
$157.3M
Free CF
—
52W Change
29.5%
Annual Financials
Cash vs Debt
With $290.9M in cash and $157.3M in debt, HBT maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of 10.5% points to decent capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 1.2% 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.
HBT's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence HBT Financial, Inc.'s trajectory.