HBT Financial Inc
Research HBT Financial Inc (HBT) on Bullrun: valuation model: 13.9% overvalued, market cap USD 1.30B, P/E 15.3, dividend yield 2.6%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerHBT
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal13.9% overvalued
- Market capUSD 1.30B
- P/E15.3
- Dividend yield2.6%
- Financial periodQ2 2026
- RevenueUSD 80.34M
- Net incomeUSD 27.84M
- Free cash flowUSD 15.67M
Valuation Snapshot
Bullrun's latest valuation model marks HBT Financial Inc as 13.9% overvalued; latest market cap is USD 1.30B; P/E is 15.3; dividend yield is 2.6%.
Peer valuation comparison
Latest P/E is 15.34x versus a Financial Services sector median of 13.84x (10.9% above).
Latest dividend yield is 2.58% versus a Financial Services sector median of 3.86% (33.1% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 235.74M | USD 77.01M | USD 74.82M | n/a | 2.44 | USD 122.27M | USD 65.21M | USD 615.50M |
| FY2024 | USD 222.37M | USD 71.78M | USD 83.87M | n/a | 2.26 | USD 137.69M | USD 105.63M | USD 544.61M |
| FY2023 | n/a | USD 65.84M | n/a | n/a | 2.07 | USD 141.25M | USD 104.89M | USD 489.50M |
| FY2022 | n/a | USD 56.46M | n/a | n/a | 1.95 | USD 114.16M | USD 77.10M | USD 373.63M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 1.30B | 15.3 | 2.6% | 0.92 |
| 2025 | 2025-12-31 | USD 812.51M | 10.6 | 3.2% | 0.84 |
| 2024 | 2024-12-31 | USD 691.15M | 9.7 | 3.5% | 0.76 |
| 2023 | 2023-12-29 | USD 669.40M | 10.1 | 3.2% | 0.68 |
| 2022 | 2022-12-30 | USD 562.69M | 10.0 | 3.3% | 0.64 |
| 2021 | 2021-12-31 | USD 542.91M | 9.3 | 3.2% | 0.6 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.92 USD, yield 2.6%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.84 USD |
| FY2024 | 0.76 USD |
| FY2023 | 0.68 USD |
| FY2022 | 0.64 USD |
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.
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Frequently asked questions
Is HBT Financial Inc overvalued or undervalued?
Bullrun's valuation model currently marks HBT Financial Inc as 13.9% overvalued.
What is HBT Financial Inc's market cap?
HBT Financial Inc's market capitalization is USD 1.30B.
What is HBT Financial Inc's P/E ratio?
HBT Financial Inc's price-to-earnings (P/E) ratio is 15.3.
Does HBT Financial Inc pay a dividend?
HBT Financial Inc has a dividend yield of 2.6%.
What does HBT Financial Inc do?
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.