$27.76
-2.5%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.
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Outstanding operational efficiency. The company generates substantial profit from core operations.
Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.
HBT โข NASDAQ
| HBT Financial, Inc. Income Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
REVENUE | ||||||||||
293.3M | 285.2M | 263.6M | 186.7M | 164.2M | 156.8M | 173.9M | 166M | 157.8M | 163.9M | |
GROSS PROFIT | ||||||||||
(58.6M) | (65.9M) | (45.5M) | (6.5M) | -2.3M | (17M) | (13.3M) | (13.7M) | (9.7M) | (13M) | |
234.7M | 219.3M | 218.1M | 180.2M | 166.5M | 139.8M | 160.5M | 152.3M | 148.1M | 150.8M | |
OPERATING INCOME | ||||||||||
(130.2M) | (122M) | (129.6M) | (104.1M) | (89.9M) | (90.2M) | (88.4M) | (87.6M) | (91.1M) | (91.2M) | |
(93.8M) | (83M) | (84.8M) | (65.1M) | (59.9M) | (62.3M) | (68.6M) | (66M) | (68.7M) | (67.5M) | |
104.5M | 97.4M | 88.6M | 76.2M | 76.6M | 49.6M | 72.1M | 64.7M | 57M | 59.6M | |
PRE-TAX INCOME | ||||||||||
(56.9M) | (62.9M) | (37.9M) | (7.2M) | (5.8M) | (6.5M) | (9.9M) | (8M) | (6.6M) | (6.6M) | |
198.9M | 188.9M | 191.1M | 145.9M | 122.4M | 117.6M | 133.8M | 129.4M | 121M | 121.1M | |
(36.4M) | (38.9M) | (44.7M) | (39M) | (30M) | (27.9M) | (19.9M) | (21.3M) | (22.4M) | (23.7M) | |
104.5M | 97.4M | 88.6M | 76.2M | 76.6M | 49.6M | 72.1M | 64.7M | 57M | 59.6M | |
NET INCOME | ||||||||||
(27.5M) | (25.6M) | (22.7M) | (19.7M) | (20.3M) | (12.7M) | (5.3M) | (869K) | (870K) | (1M) | |
77M | 71.8M | 65.8M | 56.5M | 56.3M | 36.8M | 66.9M | 63.8M | 56.1M | 58.5M |
HBT - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
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