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HBT Financial, Inc.

HBT

HBT Financial, Inc. is a financial holding company that operates as a community-focused bank providing comprehensive financial services across Illinois and eastern Iowa.

Market cap
$1.3B+71.3%
Revenue$268.5M+15.6%
Net income$77.7M+1.3%
EPS (diluted)$2.33-3.7%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 26, 2026 (in 3 months)
Revenue estimate$83.1M
EPS estimate$0.78

Financials

Q2 2026

Income statement

See full
Revenue$80.9M+37.6%
Net income$27.8M+44.8%
EPS (diluted)$0.76+24.6%

Balance sheet

See full
Cash & equivalents$132.3M-32.4%
Total equity$764.7M+31.6%
Total assets$6.7B+34.1%

Valuation & ratios

Valuation

See full
Market cap$1.3B+71.3%
P/E16.8×+6.6×
P/S4.9×+1.5×

Profitability

See full
Net margin29%-4.1pp

Returns & leverage

See full
Return on equity11.6%-2.5pp

Segments

By product

See full
Wealth management fees$3.9M+38.6%
Card income$3.4M+22.6%
Service charges on deposit accounts$2.5M+30.0%

Competitors

Profile

HBT Financial, Inc. is a financial holding company that operates as a community-focused bank providing comprehensive financial services across Illinois and eastern Iowa. The company focuses on organic growth and strategic acquisitions to deliver banking solutions to consumers, commercial enterprises, and municipal entities while maintaining a conservative risk profile.

Competitive position

A well-established regional player with a long history of acquisitive growth and a strong presence in the Chicago and St. Louis MSAs.

GeographiesIllinois, Iowa, United States
Customer segmentsRetail, Commercial, Governmental
Business modelInterest Income, Fee-based Services
SuppliersFederal Reserve System, Core Banking System Providers, Deposit Insurance Providers
CustomersIndividual Borrowers, Local Businesses, Public Sector Entities
Listed2019
Employees844.0
CEOJ. Lance Carter
FilingsSEC EDGAR

FAQ

What is HBT Financial, Inc.'s market cap?
HBT Financial, Inc. (HBT) has a market capitalization of $1.3B and trades on NASDAQ.
What is HBT Financial, Inc.'s revenue and profitability?
HBT Financial, Inc. generated $268.5M in trailing twelve-month revenue with net income of $77.7M, representing a net margin of 29.0%. These figures are based on the Q2 2026 filing.
Who are HBT Financial, Inc.'s competitors?
HBT Financial, Inc.'s key competitors include JPMorgan Chase & Co., BMO Bank, First Busey Corporation, and others. These companies compete in similar markets and product categories.
Who does HBT Financial, Inc. partner with?
HBT Financial, Inc.'s notable partners include Nasdaq.
What subsidiaries does HBT Financial, Inc. have?
HBT Financial, Inc.'s subsidiaries include Heartland Bank and Trust Company, CNB Bank & Trust, N.A., CNB Bank Shares, Inc..
Where is HBT Financial, Inc. headquartered?
HBT Financial, Inc. is headquartered in United States of America and employs approximately 844 people. It has been publicly traded since 2019.