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
3Y+18.0%
5Y+38.0%
10Y+53.0%
3Y+14.0%
5Y+35.0%
10Y+49.0%
3Y+65.0%
5Y+69.0%
10Y+90.0%
hbt

HBT Financial, Inc. Funding & Solvency Profile

HBT ยท NASDAQ
Cash & Cash Equivalents24.42M
Net Receivables23.78M
Inventory0.00
Other Current Assets0.00
Total Current Assets861 M
Property, Plant & Equipment73.64M
Goodwill & Intangible Assets74.94M
Long-Term Investments1.61M
Other Non-Current Assets0.00
Total Non-Current Assets75 M
Total Assets
5.07B

Financial Health Analysis

Current Ratio

0.28x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

7.24x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-2171253000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

17% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

HBT Financial, Inc. Balance Sheet

HBT โ€ข NASDAQ

HBT Financial, Inc. Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017
ASSETS
CURRENT ASSETS
24.4M
137.7M
141.8M
114.2M
409.8M
312.5M
284.2M
187.1M
166.4M
813.1M
52.3M
759.5M
843.5M
942.2M
922.9M
592.4M
679.5M
769.6M
837.5M
190M
901.2M
957.7M
1.4B
1.2B
876.6M
866.7M
936M
23.8M
24.8M
24.5M
19.5M
14.9M
14.3M
14M
15.3M
14.7M
23.8M
24.8M
24.5M
19.5M
14.9M
14.3M
14M
15.3M
14.7M
861.3M
214.7M
925.8M
977.2M
1.4B
1.2B
890.6M
882M
950.7M
NON-CURRENT ASSETS
73.6M
66.8M
65.2M
50.5M
52.5M
52.9M
54M
54.7M
56.3M
59.8M
59.8M
59.8M
29.3M
29.3M
23.6M
23.6M
23.6M
23.6M
15.1M
36.7M
39.7M
11.2M
9.9M
8.7M
12.5M
16.4M
17.3M
74.9M
96.5M
99.5M
40.5M
39.3M
32.4M
36.2M
40M
40.9M
1.6M
4.6B
3.9B
3.1B
2.8B
2.3B
2.2B
2.3B
2.2B
0.0
75.7M
87.2M
75M
30.8M
27.3M
24.2M
19.5M
27.8M
150.2M
4.8B
4.1B
3.3B
2.9B
2.4B
2.4B
2.4B
2.4B
4.1B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.1B
5B
5.1B
4.3B
4.3B
3.7B
3.2B
3.2B
3.3B
LIABILITIES
CURRENT LIABILITIES
0.0
29M
42.4M
43.1M
61.3M
45.7M
44.4M
46.2M
37.8M
3B
4.3B
4.4B
3.6B
3.7B
3.1B
2.8B
2.8B
2.9B
3B
4.3B
4.4B
3.6B
3.8B
3.2B
2.8B
2.8B
2.9B
NON-CURRENT LIABILITIES
65.2M
105.6M
104.9M
237.2M
77M
76.9M
37.6M
37.5M
66.5M
1.4B
35.4M
34.9M
45.8M
25.9M
49.5M
53.3M
29.5M
29M
1.4B
141.1M
139.8M
283M
102.9M
126.4M
90.9M
67M
95.4M
4.5B
4.5B
4.6B
3.9B
3.9B
3.3B
2.9B
2.9B
3B
SHAREHOLDERS' EQUITY
-27.5M
-23M
-18.6M
-9.7M
-4.9M
0.0
0.0
-3M
-2.1M
329K
328K
327K
293K
293K
275K
275K
181K
181K
298.5M
0.0
295.9M
222.8M
220.9M
190.9M
190.5M
32.3M
32.3M
367.2M
316.8M
269.1M
232M
194.1M
154.6M
134.3M
315.2M
293.9M
-23M
250.5M
-57.2M
-71.8M
1.5M
18.2M
7.8M
-4.3M
-375K
615.5M
544.6M
489.5M
373.6M
411.9M
363.9M
332.9M
340.4M
323.9M
615.5M
544.6M
489.5M
373.6M
411.9M
363.9M
332.9M
340.4M
323.9M
SUMMARY
5.1B
5B
5.1B
4.3B
4.3B
3.7B
3.2B
3.2B
3.3B
814.7M
4.6B
4.7B
4B
3.8B
3.2B
2.8B
2.9B
3B
65.2M
134.6M
147.3M
280.3M
138.3M
122.6M
82M
83.7M
104.3M
40.8M
-3.1M
5.6M
166.1M
-271.5M
-189.8M
-202.2M
-103.4M
-62.1M
31,533,730
31,533,730
31,533,730
31,533,730
31,533,730
31,533,730
31,533,730
31,533,730
31,533,730

SEC Filings

HBT - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
S-4

S-4

N/A

May 27, 2026
May 27, 2026
ย 
8-K

8-K 2026

N/A

May 21, 2026
May 19, 2026
2026
S-3/A

S-3/A (Amended)

N/A

May 13, 2026
May 13, 2026
ย 
10-Q

10-Q 2026 Q1

Q1

May 06, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 28, 2026
2026
8-K/A

8-K/A 2026 (Amended)

N/A

April 29, 2026
March 01, 2026
2026
8-K

8-K 2026

N/A

April 27, 2026
April 27, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 08, 2026
May 19, 2026
2026
8-K

8-K 2026

N/A

March 25, 2026
March 24, 2026
2026
8-K

8-K 2026

N/A

March 11, 2026
March 11, 2026
2026
Showing 1 to 10 of 127 filings