NASDAQ:HBT · NASDAQ Global Select
+$0.19 today
Vol 0.14M · Avg 0.08M
Management
Put operating results in leadership context
Review returns on capital, executive background, insider transactions, and growth quality to judge whether management is compounding value well.
Management quality matters because capital allocation choices determine how much of HBT Financial, Inc. earnings power becomes long-term shareholder value. Use this page to compare HBT returns on capital, executive context, insider transactions, ownership signals, and growth trends against peers, then decide whether leadership appears disciplined, aligned, and capable of compounding through changing market conditions.
Return Metrics
ROE, ROIC & ROA over time
ROE
12.5%
avg 13.4%
ROIC
-3.8%
avg 8.1%
ROA
1.5%
avg 1.4%
Analysis
ROE is currently the strongest return metric at 12.5% versus its period average of 13.4%. 0 of 3 return metrics are above their quality threshold, which helps indicate how efficiently the company turns capital and assets into profit.
Management
Key executives, compensation & ownership
| Name | Title | Compensation | Tenure | Age | Shares Owned | Ownership % |
|---|---|---|---|---|---|---|
J. Lance Carter | President, Chief Executive Officer & Director | $1.02M | — | 55 | $5,500.00 | 0.02% |
Peter Chapman | Executive Vice President & Chief Financial Officer | $569,313.00 | — | 52 | $27,865.00 | 0.09% |
Fred L. Drake | Executive Chairman | $560,961.00 | — | 69 | $45,815.00 | 0.15% |
Lawrence J. Horvath | Executive Vice President & Chief Lending Officer | $513,628.00 | — | 62 | $58,609.00 | 0.19% |
Mark W. Scheirer | Executive Vice President & Chief Credit Officer | $422,831.00 | — | 55 | $3,199.00 | 0.01% |
Andrea E. Zurkamer | Executive Vice President & Chief Risk Officer | — | — | 48 | $14,688.00 | 0.05% |
James E. Lyons | Vice President & Controller | — | — | — | $0.00 | <0.01% |
Matthew J. Doherty | Treasurer | — | — | 64 | $5,500.00 | 0.02% |
Diane H. Lanier | EVP & Chief Retail Officer | — | — | 62 | $35,295.00 | 0.11% |
Renee K. Fehr | General Counsel & Corporate Secretary | — | — | — | — | — |
Insider Trading
SEC Form 4 transactions — last 12 months
Buys
1
$104,960.00
Sells
5
$1.11M
Net Sentiment
$1.00M
Net selling
Most Active
DRAKE FRED L
3 transactions
Analysis
Insiders reported 1 buys worth $104,960.00 and 5 sells worth $1.11M over the last 12 months. That adds up to net selling of $1.00M. DRAKE FRED L was the most active insider with 3 transactions.
Growth Analysis
Historical CAGR & forward analyst estimates
| Metric | 10yr | 5yr | 3yr | Fwd Est. |
|---|---|---|---|---|
| EPS | N/A | N/A | -14.3% | +12.6% (7yr)4 analysts |
| Revenue | N/A | N/A | -0.2% | +11.3% (7yr)4 analysts |
| Net Income | N/A | N/A | -13.1% | +14.9% (7yr)4 analysts |
| EBIT | N/A | N/A | -4.5% | +14.3% (7yr)4 analysts |
Analysis
Recent growth has been strongest in Revenue at -0.2% over three years. Forward estimates point to Net Income at +14.9% (7yr), giving you a quick check on whether expectations are accelerating or cooling.
Competitors
Peer companies in the same sector
Enterprise Financial Services Corp
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Northeast Bank
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Five Star Bancorp
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Amerant Bancorp Inc.
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Business First Bancshares, Inc.
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Mercantile Bank Corporation
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CNB Financial Corporation
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TrustCo Bank Corp NY
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$953.08M
Who manages HBT?
HBT Financial, Inc. (HBT) lists 10 active executives. The top listed executive is Lawrence J. Horvath, Executive Vice President & Chief Lending Officer.
Are HBT insiders buying or selling?
Recent insider activity shows net selling of $4.33M.
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