About HBT Financial, Inc.
https://ir.hbtfinancial.comHBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities.
CEO
J. Lance Carter
Compensation Summary
(Year 2024)
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:375.15K
IWM
Weight:0.01%
Shares:341.54K
XSU.TO
Weight:0.01%
Shares:341.54K
Summary
Showing Top 3 of 86
Ratings Snapshot
Rating : A-
Most Recent Analyst Grades
Price Target
Institutional Ownership
BLACKROCK INC.
Shares:1.82M
Value:$49.51M
BLACKROCK, INC.
Shares:1.69M
Value:$46.05M
VANGUARD GROUP INC
Shares:664.48K
Value:$18.11M
Summary
Showing Top 3 of 121
About HBT Financial, Inc.
https://ir.hbtfinancial.comHBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $73.92M ▲ | $32.24M ▲ | $19.77M ▲ | 26.74% ▲ | $0.63 ▲ | $28.24M ▲ |
| Q2-2025 | $73.06M ▲ | $31.91M ▲ | $19.23M ▲ | 26.32% ▼ | $0.61 ▲ | $27.83M ▲ |
| Q1-2025 | $72.06M ▼ | $31.55M ▲ | $19.07M ▼ | 26.47% ▼ | $0.6 ▼ | $26.95M ▼ |
| Q4-2024 | $73.78M ▲ | $30.25M ▼ | $20.27M ▲ | 27.48% ▲ | $0.64 ▲ | $28.84M ▲ |
| Q3-2024 | $72.35M | $30.85M | $18.18M | 25.13% | $0.58 | $25.97M |
What's going well?
The company keeps delivering high gross margins and solid profits. Revenue, expenses, and earnings are all stable, showing good control and predictability.
What's concerning?
Growth is barely moving, and there’s no sign of investment in R&D, which could limit future opportunities. Overhead is significant, and interest costs are a noticeable drag on profits.
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $644.36M ▼ | $5.04B ▲ | $4.44B ▼ | $599.13M ▲ |
| Q2-2025 | $798.77M ▲ | $5.02B ▼ | $4.44B ▼ | $580.9M ▲ |
| Q1-2025 | $619.26M ▲ | $5.09B ▲ | $4.53B ▲ | $565.06M ▲ |
| Q4-2024 | $189.98M ▼ | $5.03B ▲ | $4.49B ▲ | $544.61M ▲ |
| Q3-2024 | $889.97M | $4.99B | $4.45B | $537.66M |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $19.77M ▲ | $17.17M ▲ | $-50.22M ▼ | $-7.57M ▲ | $-40.61M ▼ | $14.9M ▲ |
| Q2-2025 | $19.23M ▲ | $13.55M ▼ | $60.35M ▲ | $-89.75M ▼ | $-15.85M ▼ | $11.45M ▼ |
| Q1-2025 | $19.07M ▼ | $30.44M ▲ | $16.84M ▲ | $26.62M ▼ | $73.9M ▲ | $29.16M ▲ |
| Q4-2024 | $20.27M ▲ | $17.28M ▼ | $-90.44M ▼ | $31.18M ▲ | $-41.98M ▼ | $15.71M ▼ |
| Q3-2024 | $18.18M | $25.52M | $3.61M | $-44.7M | $-15.57M | $24.57M |
Revenue by Products
| Product | Q4-2024 | Q1-2025 | Q2-2025 | Q3-2025 |
|---|---|---|---|---|
 Card income | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Service charges on deposit accounts | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
 Wealth management fees | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
CEO
J. Lance Carter
Compensation Summary
(Year 2024)
ETFs Holding This Stock
VTS.AX
Weight:0.00%
Shares:375.15K
IWM
Weight:0.01%
Shares:341.54K
XSU.TO
Weight:0.01%
Shares:341.54K
Summary
Showing Top 3 of 86
Ratings Snapshot
Rating : A-
Most Recent Analyst Grades
Price Target
Institutional Ownership
BLACKROCK INC.
Shares:1.82M
Value:$49.51M
BLACKROCK, INC.
Shares:1.69M
Value:$46.05M
VANGUARD GROUP INC
Shares:664.48K
Value:$18.11M
Summary
Showing Top 3 of 121