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HBT Financial, Inc.(HBT)Earnings, Financials & Key Ratios
HBT•NASDAQ•Banking & Credit
$27.59
$867M mkt cap·11.3× P/E·Price updated May 18, 2026
AboutHBT 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.Show more
- Net Interest Income$199M+5.3%
- Total Revenue$293M+2.8%
- Net Income$77M+7.3%
- Return on Equity13.28%-4.4%
- Net Interest Margin3.92%+4.5%
- Efficiency Ratio44.4%+3.8%
- ROA1.52%+7.3%
- Equity / Assets12.14%+12.2%
- Book Value per Share19.58+14.0%
- Tangible BV/Share17.20+21.7%
- Debt/Equity0.11-57.1%
HBT Key Insights
HBT Financial, Inc. (HBT) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 15.9%
- ✓Strong Piotroski F-Score: 9/9
- ✓Strong NIM of 3.9%
- ✓Efficient operations: 44.4% efficiency ratio
- ✓Well capitalized: 12.1% equity/assets
- ✓Healthy dividend yield of 3.1%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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HBT Price & Volume
HBT Financial, Inc. (HBT) stock price & volume — 10-year historical chart
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HBT Growth Metrics
HBT Financial, Inc. (HBT) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years13.35%
3 Years16.25%
TTM-
Profit CAGR
10 Years-
5 Years15.89%
3 Years10.9%
TTM7.28%
EPS CAGR
10 Years-
5 Years12.73%
3 Years5.3%
TTM7.96%
Return on Capital
10 Years13.55%
5 Years12.9%
3 Years12.09%
Last Year7.67%
HBT Recent Earnings
HBT Financial, Inc. (HBT) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 8/12 qtrs (73%)●Beat Revenue 2/12 qtrs (18%)
Q2 2026Latest
Apr 27, 2026EPS
$0.68
Est $0.62
+9.7%
Revenue
$67M
Est $67M
+0.9%
Q2 2026
Mar 6, 2026EPS
$0.60
Revenue
$74M
Q1 2026
Jan 26, 2026EPS
$0.64
Est $0.64
+0.0%
Revenue
$60M
Est $61M
-0.9%
Q4 2025
Oct 20, 2025EPS
$0.65
Est $0.62
+4.8%
Revenue
$60M
Est $61M
-2.4%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 27, 2026 | $0.68vs $0.62+9.7% | $67Mvs $67M+0.9% |
| Q2 2026 | Mar 6, 2026 | $0.60 | $74M |
| Q1 2026 | Jan 26, 2026 | $0.64vs $0.64+0.0% | $60Mvs $61M-0.9% |
| Q4 2025 | Oct 20, 2025 | $0.65vs $0.62+4.8% | $60Mvs $61M-2.4% |
Based on last 12 quarters of dataView full earnings history →
HBT Peer Comparison
HBT Financial, Inc. (HBT) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 MBWM | 884.45M | 51.20 | 9.38 | 2.74% | 13.54% | 1.14 | ||
 CZWI | 197.48M | 20.51 | 14.05 | -9.41% | 7.81% | 0.28 | ||
 MOFG | 1.02B | 49.31 | -13.93 | -23.13% | 10.02% | 0.21 | ||
 BFST | 890.21M | 27.23 | 9.80 | 11.84% | 10.19% | 0.61 | ||
 CHMG | 318.45M | 66.22 | 21.16 | -6.46% | 6.27% | 0.02 | ||
 MVBF | 326.77M | 25.44 | 12.35 | 18.96% | 8.46% | 0.23 | ||
 FFIN | 4.52B | 31.75 | 20.35 | 18.79% | 13.25% | 0.12 | ||
 FULT | 4.03B | 20.94 | 10.07 | 5.03% | 11.6% | 0.37 |
Compare HBT vs Peers
HBT Financial, Inc. (HBT) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
HBT Income Statement
HBT Financial, Inc. (HBT) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 121M | 129.44M | 133.8M | 117.61M | 122.4M | 145.87M | 191.07M | 188.85M | 198.9M |
| NII Growth % | - | 6.98% | 3.37% | -12.1% | 4.08% | 19.18% | 30.98% | -1.16% | 5.32% |
| Net Interest Margin % | 3.65% | 3.98% | 4.12% | 3.21% | 2.84% | 3.4% | 3.77% | 3.75% | 3.92% |
| Interest Income | 127.59M | 137.43M | 143.74M | 124.06M | 128.22M | 153.05M | 229M | 251.7M | 255.78M |
| Interest Expense | 6.59M | 7.99M | 9.94M | 6.46M | 5.82M | 7.18M | 37.93M | 62.85M | 56.89M |
| Loan Loss Provision | 3.14M | 5.7M | 3.4M | 10.53M | -8.08M | -706K | 7.57M | 3.03M | 1.7M |
| Non-Interest Income | 30.19M | 28.53M | 30.12M | 32.7M | 36.01M | 33.67M | 34.64M | 33.52M | 37.54M |
| Non-Interest Income % | 19.13% | 17.19% | 17.32% | 20.86% | 21.93% | 18.03% | 13.14% | 11.75% | 12.8% |
| Total Revenue | 157.78M▲ 0% | 165.96M▲ 5.2% | 173.85M▲ 4.8% | 156.77M▼ 9.8% | 164.23M▲ 4.8% | 186.72M▲ 13.7% | 263.64M▲ 41.2% | 285.21M▲ 8.2% | 293.33M▲ 2.8% |
| Revenue Growth % | - | 5.18% | 4.75% | -9.83% | 4.76% | 13.69% | 41.2% | 8.18% | 2.84% |
| Non-Interest Expense | 91.08M | 87.61M | 88.39M | 90.2M | 89.93M | 104.06M | 129.56M | 121.95M | 130.23M |
| Efficiency Ratio | 57.72% | 52.79% | 50.84% | 57.54% | 54.76% | 55.73% | 49.14% | 42.76% | 44.4% |
| Operating Income | 56.97M▲ 0% | 64.67M▲ 13.5% | 72.12M▲ 11.5% | 49.57M▼ 31.3% | 76.56M▲ 54.4% | 76.19M▼ 0.5% | 88.58M▲ 16.3% | 97.38M▲ 9.9% | 104.51M▲ 7.3% |
| Operating Margin % | 36.11% | 38.97% | 41.48% | 31.62% | 46.62% | 40.8% | 33.6% | 34.14% | 35.63% |
| Operating Income Growth % | - | 13.51% | 11.53% | -31.26% | 54.44% | -0.49% | 16.26% | 9.94% | 7.31% |
| Pretax Income | 56.97M▲ 0% | 64.67M▲ 13.5% | 72.12M▲ 11.5% | 49.57M▼ 31.3% | 76.56M▲ 54.4% | 76.19M▼ 0.5% | 88.58M▲ 16.3% | 97.38M▲ 9.9% | 104.51M▲ 7.3% |
| Pretax Margin % | 36.11% | 38.97% | 41.48% | 31.62% | 46.62% | 40.8% | 33.6% | 34.14% | 35.63% |
| Income Tax | 870K | 869K | 5.26M | 12.73M | 20.29M | 19.73M | 22.74M | 25.6M | 27.5M |
| Effective Tax Rate % | 1.53% | 1.34% | 7.29% | 25.68% | 26.5% | 25.9% | 25.67% | 26.29% | 26.31% |
| Net Income | 56.1M▲ 0% | 63.8M▲ 13.7% | 66.86M▲ 4.8% | 36.84M▼ 44.9% | 56.27M▲ 52.7% | 56.46M▲ 0.3% | 65.84M▲ 16.6% | 71.78M▲ 9.0% | 77.01M▲ 7.3% |
| Net Margin % | 35.56% | 38.44% | 38.46% | 23.5% | 34.26% | 30.24% | 24.97% | 25.17% | 26.25% |
| Net Income Growth % | - | 13.72% | 4.81% | -44.9% | 52.72% | 0.33% | 16.63% | 9.02% | 7.28% |
| Net Income (Continuing) | 56.1M | 63.8M | 66.86M | 36.84M | 56.27M | 56.46M | 65.84M | 71.78M | 77.01M |
| EPS (Diluted) | 2.13▲ 0% | 2.42▲ 13.6% | 3.33▲ 37.6% | 1.34▼ 59.8% | 2.02▲ 50.7% | 2.09▲ 3.5% | 2.07▼ 1.0% | 2.26▲ 9.2% | 2.44▲ 8.0% |
| EPS Growth % | - | 13.61% | 37.6% | -59.76% | 50.75% | 3.47% | -0.96% | 9.18% | 7.96% |
| EPS (Basic) | 2.13 | 2.42 | 3.33 | 1.34 | 2.02 | 2.09 | 2.08 | 2.27 | 2.44 |
| Diluted Shares Outstanding | 26.33M | 26.33M | 20.09M | 27.46M | 27.8M | 28.92M | 31.74M | 31.71M | 31.43M |
HBT Balance Sheet
HBT Financial, Inc. (HBT) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 936M | 866.65M | 876.62M | 1.24B | 1.35B | 957.68M | 901.22M | 189.98M | 837.52M |
| Cash & Due from Banks | 166.43M | 187.13M | 284.22M | 312.45M | 409.76M | 114.16M | 141.76M | 137.69M | 24.42M |
| Short Term Investments | 769.57M | 679.53M | 592.4M | 922.87M | 942.17M | 843.52M | 759.46M | 52.28M | 813.1M |
| Total Investments | 3.01B | 2.93B | 2.83B | 3.23B | 3.77B | 3.99B | 4.66B | 4.63B | 814.72M |
| Investments Growth % | - | -2.45% | -3.42% | 13.93% | 16.72% | 5.84% | 16.75% | -0.51% | -82.41% |
| Long-Term Investments | 2.24B | 2.25B | 2.24B | 2.3B | 2.82B | 3.14B | 3.9B | 4.58B | 1.61M |
| Accounts Receivables | 14.75M | 15.3M | 13.95M | 14.26M | 14.9M | 19.51M | 24.53M | 24.77M | 23.78M |
| Goodwill & Intangibles | 40.92M | 39.99M | 36.17M | 32.35M | 39.26M | 40.54M | 99.5M | 96.49M | 74.94M |
| Goodwill | 23.62M | 23.62M | 23.62M | 23.62M | 29.32M | 29.32M | 59.82M | 59.82M | 59.82M |
| Intangible Assets | 17.3M | 16.37M | 12.55M | 8.73M | 9.94M | 11.22M | 39.68M | 36.67M | 15.12M |
| PP&E (Net) | 56.31M | 54.74M | 53.99M | 52.9M | 52.48M | 50.47M | 65.15M | 66.76M | 73.64M |
| Other Assets | 27.84M | 19.45M | 24.16M | 27.33M | 30.82M | 75M | 87.16M | 75.72M | 0 |
| Total Current Assets | 950.75M | 881.95M | 890.57M | 1.25B | 1.37B | 977.19M | 925.76M | 214.75M | 861.3M |
| Total Non-Current Assets | 2.36B | 2.37B | 2.35B | 2.42B | 2.95B | 3.31B | 4.15B | 4.82B | 150.19M |
| Total Assets | 3.31B▲ 0% | 3.25B▼ 1.9% | 3.25B▼ 0.1% | 3.67B▲ 13.0% | 4.31B▲ 17.7% | 4.29B▼ 0.6% | 5.07B▲ 18.3% | 5.03B▼ 0.8% | 5.07B▲ 0.8% |
| Asset Growth % | - | -1.91% | -0.14% | 12.99% | 17.66% | -0.64% | 18.35% | -0.79% | 0.76% |
| Return on Assets (ROA) | 1.69% | 1.94% | 2.06% | 1.07% | 1.41% | 1.31% | 1.41% | 1.42% | 1.52% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 104.29M | 83.71M | 82.02M | 122.62M | 138.29M | 280.26M | 147.33M | 134.6M | 65.21M |
| Net Debt | -62.14M | -103.42M | -202.2M | -189.83M | -271.47M | 166.1M | 5.57M | -3.09M | 40.79M |
| Long-Term Debt | 66.45M | 37.52M | 37.58M | 76.89M | 77.03M | 237.18M | 104.89M | 105.63M | 65.21M |
| Short-Term Debt | 37.84M | 46.2M | 44.43M | 45.74M | 61.26M | 43.08M | 42.44M | 28.97M | 0 |
| Other Liabilities | 28.98M | 29.49M | 53.31M | 49.49M | 25.9M | 45.82M | 34.91M | 35.44M | 1.36B |
| Total Current Liabilities | 2.89B | 2.84B | 2.82B | 3.18B | 3.8B | 3.63B | 4.44B | 4.35B | 3.03B |
| Total Non-Current Liabilities | 95.44M | 67.01M | 90.9M | 126.38M | 102.93M | 283M | 139.79M | 141.07M | 1.42B |
| Total Liabilities | 2.99B | 2.91B | 2.91B | 3.3B | 3.9B | 3.91B | 4.58B | 4.49B | 4.46B |
| Total Equity | 323.92M▲ 0% | 340.4M▲ 5.1% | 332.92M▼ 2.2% | 363.92M▲ 9.3% | 411.88M▲ 13.2% | 373.63M▼ 9.3% | 489.5M▲ 31.0% | 544.61M▲ 11.3% | 615.5M▲ 13.0% |
| Equity Growth % | - | 5.09% | -2.2% | 9.31% | 13.18% | -9.29% | 31.01% | 11.26% | 13.02% |
| Equity / Assets (Capital Ratio) | 9.78% | 10.48% | 10.26% | 9.93% | 9.55% | 8.72% | 9.65% | 10.82% | 12.14% |
| Return on Equity (ROE) | 17.32% | 19.21% | 19.86% | 10.57% | 14.51% | 14.37% | 15.26% | 13.88% | 13.28% |
| Book Value per Share | 12.30 | 12.93 | 16.57 | 13.25 | 14.82 | 12.92 | 15.42 | 17.17 | 19.58 |
| Tangible BV per Share | 10.75 | 11.41 | 14.77 | 12.08 | 13.41 | 11.52 | 12.29 | 14.13 | 17.20 |
| Common Stock | 181K | 181K | 275K | 275K | 293K | 293K | 327K | 328K | 329K |
| Additional Paid-in Capital | 32.29M | 32.29M | 190.52M | 190.88M | 220.89M | 222.78M | 295.88M | 0 | 298.55M |
| Retained Earnings | 293.93M | 315.23M | 134.29M | 154.61M | 194.13M | 232M | 269.05M | 316.76M | 367.16M |
| Accumulated OCI | -375K | -4.29M | 7.83M | 18.15M | 1.47M | -71.76M | -57.16M | 250.53M | -23.02M |
| Treasury Stock | -2.11M | -3.02M | 0 | 0 | -4.91M | -9.69M | -18.6M | -23.02M | -27.52M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
HBT Cash Flow Statement
HBT Financial, Inc. (HBT) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 72.08M | 79.99M | 89.09M | 31.25M | 43.1M | 72.59M | 65.83M | 89.37M | 83.27M |
| Operating CF Growth % | - | 10.98% | 11.37% | -64.92% | 37.9% | 68.41% | -9.31% | 35.76% | -6.83% |
| Net Income | 56.1M | 63.8M | 66.86M | 36.84M | 56.27M | 56.46M | 65.84M | 71.78M | 77.01M |
| Depreciation & Amortization | 5.21M | 4.78M | 4.13M | 4.17M | 4.13M | 3.92M | 5.78M | 5.78M | 0 |
| Deferred Taxes | 0 | 0 | -2.69M | -339K | 2.91M | -2.92M | 3.82M | 996K | 0 |
| Other Non-Cash Items | 9.38M | 11.1M | -22K | 355K | -3.45M | 5.8M | 7.1M | 4.77M | 5.97M |
| Working Capital Changes | 1.39M | 313K | 20.73M | -10.13M | -17.6M | 7.39M | -18.66M | 4.29M | 294K |
| Cash from Investing | -90.31M | 65.09M | 115.34M | -380.45M | -349.61M | -335.12M | 132.66M | 32.35M | -37.84M |
| Purchase of Investments | -355.55M | -189.41M | -73.12M | -523.56M | -513.84M | -371.68M | -3.04M | -105.34M | 0 |
| Sale/Maturity of Investments | 275.61M | 275.76M | 201.47M | 223M | 213.49M | 154.17M | 287.9M | 195.57M | 0 |
| Net Investment Activity | -79.94M | 86.35M | 128.35M | -300.56M | -300.35M | -217.52M | 284.87M | 90.23M | 0 |
| Acquisitions | 0 | 0 | 114K | 0 | -4.77M | 0 | -14.45M | 0 | 0 |
| Other Investing | -8.21M | -19.61M | -11.02M | -78.03M | -43.47M | -116.56M | -134.62M | -52.38M | -37.84M |
| Cash from Financing | -54.83M | -123.89M | -107.34M | 377.68M | 403.33M | -32.57M | -171.4M | -125.28M | -60.85M |
| Dividends Paid | -57.07M | -42.62M | -224.96M | -16.52M | -16.75M | -18.58M | -21.87M | -24.18M | -26.61M |
| Share Repurchases | 0 | -907K | 0 | 0 | -4.91M | -4.78M | -8.91M | -4.42M | -4.5M |
| Stock Issued | 0 | 0 | 138.49M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | -907K | 138.49M | 0 | -4.91M | -4.78M | -8.91M | -4.42M | -4.5M |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K | 207K | -1000K |
| Other Financing | -22.76M | -51.36M | -19.11M | 354.98M | 437.5M | -169.21M | 93.58M | -96.88M | 40.32M |
| Net Change in Cash | -73.06M▲ 0% | 21.2M▲ 129.0% | 97.09M▲ 358.1% | 28.48M▼ 70.7% | 96.82M▲ 239.9% | -295.11M▼ 404.8% | 27.09M▲ 109.2% | -3.56M▼ 113.1% | -15.42M▼ 333.2% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 238.74M | 165.68M | 186.88M | 283.97M | 312.45M | 409.27M | 114.16M | 141.25M | 137.69M |
| Cash at End | 165.68M | 186.88M | 283.97M | 312.45M | 409.27M | 114.16M | 141.25M | 137.69M | 122.27M |
| Interest Paid | 6.65M | 7.83M | 10.01M | 6.44M | 5.93M | 6.86M | 32.85M | 64.72M | 58.17M |
| Income Taxes Paid | 892K | 851K | 880K | 17.45M | 20.86M | 20.04M | 20.51M | 23.88M | 26.61M |
| Free Cash Flow | 69.92M▲ 0% | 78.34M▲ 12.0% | 86.94M▲ 11.0% | 29.39M▼ 66.2% | 42.07M▲ 43.2% | 71.54M▲ 70.0% | 62.7M▼ 12.4% | 83.87M▲ 33.8% | 73.02M▼ 12.9% |
| FCF Growth % | - | 12.04% | 10.99% | -66.2% | 43.16% | 70.04% | -12.36% | 33.77% | -12.93% |
HBT Banking Ratios
HBT Financial, Inc. (HBT) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 17.32% | 19.21% | 19.86% | 10.57% | 14.51% | 14.37% | 15.26% | 13.88% | 13.28% |
| Return on Assets (ROA) | 1.69% | 1.94% | 2.06% | 1.07% | 1.41% | 1.31% | 1.41% | 1.42% | 1.52% |
| Net Interest Margin | 3.65% | 3.98% | 4.12% | 3.21% | 2.84% | 3.4% | 3.77% | 3.75% | 3.92% |
| Efficiency Ratio | 57.72% | 52.79% | 50.84% | 57.54% | 54.76% | 55.73% | 49.14% | 42.76% | 44.4% |
| Equity / Assets | 9.78% | 10.48% | 10.26% | 9.93% | 9.55% | 8.72% | 9.65% | 10.82% | 12.14% |
| Book Value / Share | 12.3 | 12.93 | 16.57 | 13.25 | 14.82 | 12.92 | 15.42 | 17.17 | 19.58 |
| NII Growth | - | 6.98% | 3.37% | -12.1% | 4.08% | 19.18% | 30.98% | -1.16% | 5.32% |
| Dividend Payout | 101.72% | 66.81% | 336.43% | 44.83% | 29.77% | 32.92% | 33.22% | 33.69% | 34.55% |
HBT SEC Filings & Documents
HBT Financial, Inc. (HBT) SEC filings — annual & quarterly reports (10-K, 10-Q)
HBT Frequently Asked Questions
HBT Financial, Inc. (HBT) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
HBT Financial, Inc. (HBT) grew revenue by 2.8% over the past year. Growth has been modest.
Yes, HBT Financial, Inc. (HBT) is profitable, generating $77.0M in net income for fiscal year 2025 (26.3% net margin).
Dividend & Returns
Yes, HBT Financial, Inc. (HBT) pays a dividend with a yield of 3.07%. This makes it attractive for income-focused investors.
HBT Financial, Inc. (HBT) has a return on equity (ROE) of 13.3%. This is reasonable for most industries.
Industry Metrics
HBT Financial, Inc. (HBT) has a net interest margin (NIM) of 3.9%. This indicates healthy earnings from lending activities.
HBT Financial, Inc. (HBT) has an efficiency ratio of 44.4%. This is excellent, indicating strong cost control.
Explore More HBT
HBT Financial, Inc. (HBT) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
Dollar cost averaging vs lump sum
Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates