HBT Financial, Inc.

HBT Financial, Inc.

HBTยทNASDAQ

$27.76

-2.5%
Financial ServicesBanks - Regional

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, farmland sales, and crop insurance services; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. It operates through 57 branch locations in Central and Northeastern Illinois and four locations in Eastern Iowa. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.

At a Glance

Live Snapshot
Market Cap$872.55M
EPS2.4400
P/E Ratio11.38
Earnings Date07/27/2026
HBT Financial, Inc.

HBT Financial, Inc. Fair Value Envelope

HBT ยท NASDAQ

Our analysis suggests that HBT has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $27.76, this represents a potential HIDDEN relative to our calculated worth for HBT Financial, Inc..

Intrinsic Value
Current Price: $27.76

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$458.9M
+ Cash & Equivalents$24.4M
Firm Value$483.3M
- Debt$65.2M
Equity Value$418.1M
/ Shares Outstanding31,533,730B
DCF Value$13
OVERVALUED BY 52%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$72.5M
$63.1M
$55.0M
$47.9M
$41.7M
$36.3M
$31.6M
$27.5M
$24.0M
$20.9M
Maintenance CapEx
-$1.8M
-$1.6M
-$1.4M
-$1.2M
-$1.0M
-$893.0K
-$777.6K
-$677.0K
-$589.5K
-$513.3K
Owner Earnings
$70.7M
$61.6M
$53.6M
$46.7M
$40.6M
$35.4M
$30.8M
$26.8M
$23.4M
$20.3M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$65.5M
$52.8M
$42.6M
$34.3M
$27.7M
$22.3M
$18.0M
$14.5M
$11.7M
$9.4M
Terminal Value represents 34.9% of Enterprise Value