Hbt Financial, Inc. (HBT) Stock Price & Analysis
Hbt Financial, Inc. (HBT) rose 2.37% to USD 33.29 as of July 25, 2026 at 06:42 UTC, according to Nexqual real-time market data.
HBT last closed at USD 32.52; the session ranged USD 32.27–33.37 on volume of 133,588 shares. Market capitalization is $1.21B, with a 52-week range of USD 22.36–33.7 (NMS). Source: Nexqual, July 25, 2026 at 06:42 UTC.
Key Statistics (as of July 25, 2026 at 06:42 UTC)
| Price | USD 33.29 |
|---|---|
| Change | ▲ 2.37% (up) |
| Previous Close | USD 32.52 |
| Open | USD 32.69 |
| Day Range | USD 32.27 – 33.37 |
| 52-Week Range | USD 22.36 – 33.7 |
| Volume | 133,588 shares |
| Market Cap | $1.21B |
| Exchange | NMS |
Technical Analysis (HBT)
Nexqual's technical model rates HBT "BUY" based on 5 bullish and 1 bearish signals across 125 daily candles, as of July 25, 2026 at 06:42 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 65.6 (neutral) |
| vs SMA50 | Above (USD 30.42) |
| MACD | 0.66 (positive) |
Analyst Ratings (HBT)
Wall Street analysts rate HBT "None" based on 5 analysts, with a mean price target of USD 32.8 (range USD 31–34), per Nexqual as of July 25, 2026 at 06:42 UTC.
| Consensus Rating | None |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 32.8 |
| High Target | USD 34 |
| Low Target | USD 31 |
| Buy / Hold / Sell | 3 / 2 / 0 |
Earnings (HBT)
| Next Earnings Date | 2026-07-27 |
|---|---|
| EPS Estimate | USD 0.73 |
| Revenue Estimate | $80.34M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-03-31 | USD 0.68 vs est 0.62 ▲ beat |
| 2025-12-31 | USD 0.64 vs est 0.64 ▲ beat |
| 2025-09-30 | USD 0.65 vs est 0.62 ▲ beat |
| 2025-06-30 | USD 0.63 vs est 0.6 ▲ beat |
Source: Nexqual, July 25, 2026 at 06:42 UTC.
Financials & Fundamentals (HBT)
| Total Revenue | $243.97M |
|---|---|
| Revenue Growth (YoY) | +17.50% |
| Gross Margin | +0.00% |
| Operating Margin | +44.18% |
| Profit Margin | +28.34% |
| ROE | +10.53% |
| Total Cash | $290.93M |
| Total Debt | $157.34M |
Source: Nexqual, July 25, 2026 at 06:42 UTC.
Financial Health Score (HBT)
Nexqual rates Hbt Financial, Inc.'s overall financial health "Mixed" across five dimensions, as of July 25, 2026 at 06:42 UTC.
| Growth | Solid — Revenue +6% YoY (annual) |
|---|---|
| Profitability | Critical — Gross margin 0% |
| Balance Sheet | Mixed — $291M cash vs $157M debt, net cash position |
| Cash Flow | Solid — Operating cash flow $83M |
| Efficiency | Mixed — ROE 11%, ROA 1.2% |
Ownership (HBT)
| Insider Ownership | +56.38% |
|---|---|
| Institutional Ownership | +22.82% |
| Shares Outstanding | 36.38M |
| Float | 15.84M |
| Short % of Float | +3.24% |
Source: Nexqual, July 25, 2026 at 06:42 UTC.
Leadership (HBT)
Hbt Financial, Inc. is led by J. Lance Carter (age 54), President, CEO & Director, per Nexqual as of July 25, 2026 at 06:42 UTC.
| President, CEO & Director | J. Lance Carter (age 54) |
|---|---|
| Executive Chairman | Fred L. Drake (age 68) |
| Executive VP & CFO | Peter R. Chapman (age 51) |
Major Backers & Investors (HBT)
Notable institutional backers of Hbt Financial, Inc. include American Century Companies Inc, Manufacturers Life Insurance Co., John Hancock Investment Trust II-Regional Bank Fund, according to Nexqual as of July 25, 2026 at 06:42 UTC.
Active Investors
| Investor | Stake |
|---|---|
| American Century Companies Inc | 1.72% |
| Manufacturers Life Insurance Co. | 1.35% |
| John Hancock Investment Trust II-Regional Bank Fund | 1.26% |
| Adage Capital Partners GP L.L.C. | 1.23% |
| LPL Financial LLC | 0.89% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 5.7% |
| Vanguard Group | 2.82% |
| Dimensional Fund Advisors | 1.54% |
| Geode Capital | 0.83% |
| State Street | 0.8% |
Source: Nexqual, July 25, 2026 at 06:42 UTC.
From Hbt Financial, Inc.'s Latest SEC 10-K Filing (filed 2026-03-06)
Key Strengths & Strategy (as disclosed to the SEC)
- 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.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| MCBS | MetroCity Bankshares, Inc. | USD 36.57 | ▲ 1.75% |
| SPFI | South Plains Financial, Inc. | USD 44.63 | ▲ 1.8% |
| RBB | RBB Bancorp | USD 26.28 | ▼ 0.64% |
| BFST | Business First Bancshares, Inc. | USD 31.16 | ▲ 2.2% |
| MSBI | Midland States Bancorp, Inc. | USD 32.25 | ▲ 4.54% |
Data source: Nexqual — real-time market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: July 25, 2026 at 06:42 UTC. This page is informational and not investment advice.