HBT Financial Inc. Common Stock (HBT)

FairStock Score: 50/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach a bank as a conservative lender would: start with earnings consistency, then ask what I am paying for book value, and only then think about growth. HBT is a small regional bank holding company for Heartland Bank, with 826 employees in Illinois and eastern Iowa. The filed record shows net income of $65.8 million in fiscal year 2023, the year ended 2023-12-31; $71.8 million in fiscal year 2024, the year ended 2024-12-31; and $77.0 million in fiscal year 2025, the year ended 2025-12-31. Diluted EPS was $2.07, $2.26, and $2.44 respectively. That is respectable progress, and FairStock labels it a STALWART because it computes profit growth of 15.9% a year over five years. But the latest filings are lumpier: in fiscal Q1 2026, the quarter ended 2026-03-31, net income was $11.2 million and EPS was $0.34; in fiscal Q2 2026, the quarter ended 2026-06-30, net income was $27.8 million and EPS was $0.76. The supplied profit-growth figure is -6.58%, so the trend is not purely upward. At the 2026-10-13 close of $35.32, FairStock calculates a P/E of 15.03 and P/B of 1.68. ROE is 11.56%, acceptable but not exceptional, and a 2.83% dividend yield plus 0.49 beta suggest a low-key holding. Piotroski is 5/9. For a bank, I would want CET1 capital, net interest margin, charge-offs, and reserve coverage; those are not in the data. Without them, I cannot call this a compelling bargain, but it appears fairly valued if credit stays sound.

In plain English: HBT Financial is the holding company for Heartland Bank, serving customers in Illinois and eastern Iowa. Its profits have generally risen over the past three years, but the most recent supplied profit-growth figure turned negative and the latest quarters were uneven. At the current price, the stock looks moderately priced for a steady community bank, not clearly cheap or expensive.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer