HBT | Ticker Profile - Titan Protect

HBT

HBT Financial, Inc.

Financial Services · Banks - Regional · NMS

$28.95

Data: 2026-05-28

✗ ETHICAL FAIL

Unknown MOAT

HIGH

Data Confidence: 100.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$1.0B

Total market value of the company

Trailing P/E

13.14

Reasonably valued

Forward P/E

9.34

Based on estimated future earnings — lower means cheaper

Rev Growth

+17.5%

Year-over-year revenue change

Profit Margin

28.3%

How much profit the company keeps from each dollar of revenue

ROE

10.5%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$32.00

+11% from current price — median analyst estimate

Recommendation

NONE

Consensus view from 5 analysts covering this stock

About HBT Financial, Inc.

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides financial products and services to consumers, businesses, and municipal entities in Illinois and Eastern Iowa. The company offers deposit account services, such as noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposit, HSA, and IRA accounts. It also provides lending products, including non-owner occupied regulatory commercial real estate (CRE), construction and land development and multi-family; commercial and industrial and owner-occupied CRE; agricultural and farmland; one-to-four family residential loans; municipal, consumer, and other loans; residential mortgage origination and servicing; and traditional trust and investment services. In addition, the company offers digital banking services comprising online banking, mobile banking, digital payments, and personal financial management tools; small business and commercial checking accounts, and treasury management services; financial planning to consumers, trusts, and estates; and trustee and custodial services. Further, it provides investment management services; corporate retirement plan consulting and administration; retail brokerage services; farm management services, broker farmland sale, and crop insurance. 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.

https://ir.hbtfinancial.com

Country: United States Employees: 826 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% N/A

Debt must be below 33% of total assets

Cash Ratio

0.0% N/A

Interest-bearing cash below 33% of assets

Receivables

0.0% N/A

Receivables below 49% of assets

Revenue Purity

0.0% N/A

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

ACCUMULATION

Smart money appears to be building positions quietly

Sharpe Ratio

0.937

Good returns relative to risk taken

Kelly Fraction

0.0662

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

1.462

Returns exceed worst-case losses — strong risk profile

Annual Return

27.3%

Historical annualised return based on price data

Max Drawdown

-18.7%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

368

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.52

Less volatile than the market — more defensive

52W High

$29.88

3% below the year high

52W Low

$22.36

29% above the year low

Avg Volume

82,593

Average daily shares traded — higher means easier to buy and sell

Short Ratio

2.2

Days it would take all short sellers to cover — higher means more crowded

Short % Float

1.0%

Low short interest — limited bearish positioning

Div Yield

321.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$2.18

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

0.0%

Revenue left after cost of goods — higher means pricing power

Operating Margin

44.2%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$244M

Total revenue over the last 12 months

Net Income

$69M

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$33.00

Target Median

$32.00

Target Low

$31.00

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-05-28

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