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HBT Financial, Inc.

HBT

$36.34 ▲ +0.18 (+0.48%) at close

10 Visible periods

34 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

HBT Financial, Inc. shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $1.1B

Dividend Yield 2.31%

Revenue Growth 5.6% ↗

Op. Margin 44.1% →

ROIC None

FCF / Share None

Trailing P/E 14.9x

Price / Book 1.9x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

10-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$237.09M

↑ +5.6% —

Net Income Profit after all expenses

$77.01M

↑ +7.3% —

Operating Margin Operating profit as % of sales

44.1%

↑ +1.6% 95th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.84 Latest / share

+10.5% YoY

-15.3% 9-yr CAGR

FY 2016

$3.16

FY 2017

$2.36

FY 2018

$12.48

FY 2019

$0.60

FY 2020

$0.60

FY 2021

$0.64

FY 2022

$0.68

FY 2023

$0.76

FY 2024

$0.84

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue Growth YoY (%)	5.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-6%)	-1.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-120%)	25.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+329%)	13.1% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+118%)	5.0% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-16%)	-8.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-245%)	3.7% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-39%)	4.2% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-30%)	—	—
EPS Growth YoY (%)	7.5% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	9.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	6.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-3.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	50.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-59.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	14.2% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	7.3% Fair ↓ Fair Declining Year-over-year change in net income	9.0% Fair ↓ Fair Declining Year-over-year change in net income	16.6% Good ↑ Good Improving Year-over-year change in net income	0.3% Caution ↓ Caution Declining Year-over-year change in net income	52.7% Excellent ↑ Excellent Improving Year-over-year change in net income	-44.9% Weak ↓ Weak Declining Year-over-year change in net income	4.8% Caution Caution Year-over-year change in net income	13.7% Fair Fair Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	9.5% Fair → Fair Stable Compound annual revenue growth over 3 years	12.0% Good ↑ Good Improving Compound annual revenue growth over 3 years	14.3% Good ↑ Good Improving Compound annual revenue growth over 3 years	2.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	-0.2% Weak Weak Compound annual revenue growth over 3 years	-0.5% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	9.3% Good ↑ Good Improving Compound annual revenue growth over 5 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	7.2% Fair Fair Compound annual revenue growth over 5 years	3.2% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	7.8% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	4.0% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	15.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-16.3% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-17.1% Weak Weak Compound annual EPS growth over 3 years	-24.4% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Operating Margin (%) (%)	44.1% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	43.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	39.0% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+56%)	42.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+69%)	47.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+92%)	32.6% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	—	—	—	—
Effective Tax Rate (%) (%)	26.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.3% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.7% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—
Profit Margin (%) (%)	32.5% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+48%)	32.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+45%)	29.0% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	31.3% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+42%)	35.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	24.2% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	40.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+82%)	39.7% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+80%)	36.4% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+65%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	2.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	12.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.2% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+10%)	13.5% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+12%)	15.1% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	13.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+14%)	10.1% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	20.1% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+67%)	18.7% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+56%)	17.3% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+44%)	—

⚖️ Is the balance sheet risky? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Revenue per Share (USD)	$7.53	$7.10	$7.18	$6.26	$5.75	$5.54	$8.29	—	—	—
Basic EPS, GAAP (USD)	$2.44	$2.27	$2.08	$1.95	$2.02	$1.34	$3.33	$3.54	$3.10	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.84	$0.76	$0.68	$0.64	$0.60	$0.60	$12.48	$2.36	$3.16	—
Book Value per Share (USD)	$19.58	$17.26	$15.44	$12.99	$14.21	$13.25	$12.12	—	—	—
Tangible Book Value per Share (USD)	$17.68	$15.36	$13.56	$11.97	$13.20	$12.39	$11.26	—	—	—
Basic Weighted Avg Shares (shares)	31.50M	31.59M	31.63M	28.85M	27.80M	27.46M	20.09M	—	—	—
Dividend Payout Ratio (%)	34.4% Good Good Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Total Equity (USD)	$615.50M	$544.61M	$489.50M	$373.63M	$411.88M	$363.92M	$332.92M	$340.40M	$323.92M	$326.25M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Sales/Revenue/Turnover (USD)	$237.09M	$224.42M	$227.12M	$180.59M	$159.73M	$152.06M	$166.55M	$160.68M	$154.17M	—
Depreciation Expense (USD)	$3.20M	$2.94M	$3.11M	$3.04M	$3.07M	$2.94M	$2.71M	$3.22M	$3.29M	—
Net Income, GAAP (USD)	$77.01M	$71.78M	$65.84M	$56.46M	$56.27M	$36.84M	$66.86M	$63.80M	$56.10M	—
Operating Cash Flow (USD)	$85.07M	$89.37M	$65.83M	$72.59M	$43.02M	$31.25M	$89.09M	$79.99M	$72.08M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗
Net Interest Margin (approx.) (%)	3.9%	3.8%	3.8%	3.4%	2.8%	3.2%	4.1%	4.0%	—	—
Efficiency Ratio (%) (%)	54.6%	55.3%	57.7%	58.2%	57.1%	60.5%	54.7%	56.2%	61.0%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 10 years · 35 quarters

HBT Financial, Inc.

Analytical Summary

10-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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