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+57.0%
5Y+87.0%
10Y+79.0%
3Y+36.0%
5Y+109.0%
10Y+32.0%
3Y+15.0%
5Y+166.0%
10Y+22.0%
HBT Financial, Inc.

HBT Financial, Inc. Profit Bridge

HBT ยท NASDAQ
Revenue293.33M
Cost of Goods Sold (58.59M)
Gross Profit234.74M
Operating Expenses (130.23M)
Operating Income104.51M
Interest Expense (56.89M)
Other Income/Expense0.00
Pretax Income104.51M
Income Tax (27.50M)
Net Income77.01M
Net Income
77.01M

Profitability Analysis

Gross Margin

80.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

35.6%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

26.3%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

26.3%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

HBT Financial, Inc. Income Statement

HBT โ€ข NASDAQ

HBT Financial, Inc. Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 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

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