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
0.86%
Dividend Yield
5%
3Y-5.0%
5Y-2.0%
10Y-66.0%
68.14%
Dividend Payout Ratio
94%
3Y+14.0%
5Y+151.0%
10Y+73.0%
3Y+43.0%
5Y+61.0%
10Y-7.0%
HBT Financial, Inc.

HBT Financial, Inc. Dividend History

HBT ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

HBT Dividend Payment History

HBT ยท NASDAQ

Total Payments

26

Latest Dividend

$0.2300

Annual Amount

$0.8800

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
Apr 28, 2026
May 12, 2026May 19, 2026
$0.2300
$0.2300
Quarterly0.00%
Jan 27, 2026
Feb 9, 2026Feb 17, 2026
$0.2300
$0.2300
Quarterly+9.52%
Oct 21, 2025
Nov 3, 2025Nov 10, 2025
$0.2100
$0.2100
Quarterly0.00%
Jul 22, 2025
Aug 5, 2025Aug 12, 2025
$0.2100
$0.2100
Quarterly0.00%
Apr 22, 2025
May 6, 2025May 13, 2025
$0.2100
$0.2100
Quarterly0.00%
Jan 21, 2025
Feb 4, 2025Feb 11, 2025
$0.2100
$0.2100
Quarterly+10.53%
Oct 22, 2024
Nov 4, 2024Nov 12, 2024
$0.1900
$0.1900
Quarterly0.00%
Jul 23, 2024
Aug 6, 2024Aug 13, 2024
$0.1900
$0.1900
Quarterly0.00%
Apr 23, 2024
May 7, 2024May 14, 2024
$0.1900
$0.1900
Quarterly0.00%
Jan 23, 2024
Feb 6, 2024Feb 13, 2024
$0.1900
$0.1900
Quarterly+11.76%
Oct 24, 2023
Nov 7, 2023Nov 14, 2023
$0.1700
$0.1700
Quarterly0.00%
Jul 25, 2023
Aug 8, 2023Aug 15, 2023
$0.1700
$0.1700
Quarterly0.00%
Apr 25, 2023
May 9, 2023May 16, 2023
$0.1700
$0.1700
Quarterly0.00%
Jan 24, 2023
Feb 7, 2023Feb 14, 2023
$0.1700
$0.1700
Quarterly+6.25%
Oct 25, 2022
Nov 7, 2022Nov 15, 2022
$0.1600
$0.1600
Quarterly0.00%
Jul 26, 2022
Aug 9, 2022Aug 16, 2022
$0.1600
$0.1600
Quarterly0.00%
Apr 26, 2022
May 10, 2022May 17, 2022
$0.1600
$0.1600
Quarterly0.00%
Jan 25, 2022
Feb 8, 2022Feb 15, 2022
$0.1600
$0.1600
Quarterly+6.67%
Oct 26, 2021
Nov 8, 2021Nov 16, 2021
$0.1500
$0.1500
Quarterly0.00%
Jul 28, 2021
Aug 10, 2021Aug 17, 2021
$0.1500
$0.1500
Quarterly0.00%
Apr 27, 2021
May 11, 2021May 18, 2021
$0.1500
$0.1500
Quarterly0.00%
Jan 26, 2021
Feb 8, 2021Feb 16, 2021
$0.1500
$0.1500
Quarterly0.00%
Oct 27, 2020
Nov 9, 2020Nov 17, 2020
$0.1500
$0.1500
Quarterly0.00%
Jul 28, 2020
Aug 11, 2020Aug 18, 2020
$0.1500
$0.1500
Quarterly0.00%
Apr 28, 2020
May 12, 2020May 19, 2020
$0.1500
$0.1500
Quarterly0.00%
Jan 28, 2020
Feb 10, 2020Feb 18, 2020
$0.1500
$0.1500
Quarterly-
hbt

HBT Financial, Inc. Payout Ratio Analysis

HBT ยท NASDAQ
Dividends Paid
-26.61M
2025
Net Income
77.01M
2025
Payout Ratio
34.55%
2025

Dividend Sustainability Analysis

Payout Ratio
34.55%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
36.4%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-10.0%

Significant dividend reduction signals serious challenges. Company prioritizing financial stability over shareholder returns. High risk of further cuts.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.

Key Insight

Recent dividend cut signals distress: Management forced to reduce payout, indicating financial pressure. Evaluate whether business challenges are temporary or structural before reinvesting.