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Stock Research: HBT Financial

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

HBT Financial

NSQ:HBT US4041111067
81
  • Value
    51
  • Growth
    89
  • Safety
    Safety
    60
  • Combined
    83
  • Sentiment
    55
  • 360° View
    360° View
    81
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Company Description

HBT Financial, Inc. is a bank holding company for Heartland Bank and Trust Company, offering a comprehensive suite of financial products and services. The company's main businesses include deposit, lending, and ancillary products, with a focus on commercial real estate, commercial and industrial loans, agricultural and farmland loans, and residential loans, along with traditional trust and investment services, and farmland management/sales through its wealth management division. It primarily operates throughout Illinois and Eastern Iowa. In the last fiscal year, the company had 844 employees and a market capitalization of $801 million. Profits and revenue data were not available.

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ANALYSIS: With an Obermatt 360° View of 54 (better than 54% compared with alternatives), overall professional sentiment and financial characteristics for the stock HBT Financial are above average. The 360° View is based on consolidating four consolidated indicators, with half of the metrics below and half above average for HBT Financial. The consolidated Growth Rank has a good rank of 85, which means that the company experiences above-average growth momentum when looking at financial metrics such as revenue, profit, and invested capital growth as well as stock returns. This means that growth is higher than for 85% of competitors in the same industry. In addition, the consolidated Safety Rank has a safer rank of 58 which means that the company has a financing structure that is safer than 58% comparable companies when looking at the amount of its debt, its refinancing requirements, and its ability to service debt. But the consolidated Value Rank has a less desirable rank of 49 which means that the share price of HBT Financial is on the higher side compared with typical size in indicators such as revenues, profits, and invested capital. This means that the stock price is higher than for 51% of alternative stocks in the same industry. The consolidated Sentiment Rank also has a low rank of 11, which means that professional investors are more pessimistic about the stock than for 89% of alternative investment opportunities. ...read more

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Strongest Rank Market Pulse
Weakest Rank Revenue Growth
Country USA
Industry Regional Banks
Size X-Small
Website ir.hbtfinancial.com
Index
NASDAQ
Sound Pay USA
HBT Financial stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 8-Jun-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history. Unlock the analysis.

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Metrics Current 2025 2024 2023
Value
51 33 21 49
Growth
89 33 80 28
Safety
Safety
60 32 89 71
Sentiment
55 61 66 34
360° View
360° View
81 42 79 29
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Metrics Current 2025 2024 2023
Analyst Opinions
45 43 37 20
Opinions Change
50 97 50 50
Pro Holdings
n/a 54 100 28
Market Pulse
85 44 59 64
Sentiment
55 61 66 34
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Metrics Current 2025 2024 2023
Value
51 33 21 49
Growth
89 33 80 28
Safety Safety
60 32 89 71
Combined
83 58 77 42
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
46 37 42 46
Price vs. Earnings (P/E)
71 57 74 82
Price vs. Book (P/B)
17 9 3 26
Dividend Yield
77 67 51 61
Value
51 33 21 49
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Metrics Current 2025 2024 2023
Revenue Growth
93 4 43 39
Profit Growth
59 32 82 40
Capital Growth
88 78 41 70
Stock Returns
39 59 89 33
Growth
89 33 80 28
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Metrics Current 2025 2024 2023
Leverage
64 19 42 26
Refinancing
3 15 59 70
Liquidity
91 53 92 85
Safety Safety
60 32 89 71

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Frequently Asked
Questions

The company has high growth and safe financing but is expensive (low Value Rank) and has low market sentiment. This is a warning that the stock may be too expensive. This is for an experienced growth investor willing to risk overpaying, but only after conducting thorough research on future growth potential.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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