HBT HBT Financial, Inc. - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$36.34
· of 52w range
· above low
· to high
$22.3652w low
$37.5152w high
Market Cap (MRQ)
$1.32B
P/E
17.2
EPS
$2.44
your badges
52W Range
$22–$38
Analyst Rating
BUY
Price Target
$40
P/E
17.2
ROE
12.9%
Net Profit Margin
32.5%
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HBT Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$36.34
Market Cap (MRQ)
$1.32B
P/E
17.2
EPS
$2.44
Div Yield
2.0%
ROE
12.9%
52W Range
$22–$38
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10-Year Performance Revenue, net income, margins and EPS trends
EPS$2.442017-12-31 → 2025-12-31
Net margin32.5%2019-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | HBT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 17.25Y avg ≈10.0 | ≈10.0 | 12.1 | Overvalued | |
| P/S | 5.65Y avg ≈3.2 | ≈3.2 | 3.7 | Overvalued | |
| P/B (MRQ) | 1.75Y avg ≈1.4 | ≈1.4 | 1.3 | Overvalued | |
| Price / Cash Flow | 15.55Y avg ≈9.6 | ≈9.6 | 9.6 | Fair value | |
| Price / Tangible Book (MRQ) | 1.85Y avg ≈1.5 | ≈1.5 | · | · | |
| PEG Ratio | ≈1.4 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | HBT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| EBITDA Margin | 1.4%5Y avg ≈1.5% | ≈1.5% | 1.7% | Weak | |
| Pretax Margin | 44.1%5Y avg ≈43.3% | ≈43.3% | 36.8% | Top tier | |
| Net Profit Margin | 32.5%5Y avg ≈32.0% | ≈32.0% | 29.5% | Top tier | |
| ROA | 1.5%5Y avg ≈1.4% | ≈1.4% | 1.3% | Top tier | |
| ROE | 12.9%5Y avg ≈13.9% | ≈13.9% | 9.9% | Top tier |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | HBT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 5.6%5Y avg ≈9.7% | ≈9.7% | · | · | |
| Revenue CAGR 3Y | 9.5%5Y avg ≈11.9% | ≈11.9% | · | · | |
| Revenue CAGR 5Y | 9.3% | · | · | · | |
| EPS YoY | 8.0%5Y avg ≈14.1% | ≈14.1% | · | · | |
| Net Income YoY | 7.3%5Y avg ≈17.2% | ≈17.2% | · | · | |
| EPS CAGR 3Y | 7.8%5Y avg ≈9.1% | ≈9.1% | · | · | |
| EPS CAGR 5Y | 12.7% | · | · | · | |
| Net Income CAGR 3Y | 10.9%5Y avg ≈13.6% | ≈13.6% | · | · | |
| Net Income CAGR 5Y | 15.9% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | HBT | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield2.0%
Payout Ratio34.5%
Annualized Payout≈$1.00
Growth Streak≈4
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Aug 11, 2026 | $0.25 | USD | ≈2.5% |
| May 12, 2026 | $0.23 | USD | ≈3.2% |
| Feb 9, 2026 | $0.23 | USD | ≈3.0% |
| Nov 3, 2025 | $0.21 | USD | ≈3.6% |
| Aug 5, 2025 | $0.21 | USD | ≈3.4% |
| May 6, 2025 | $0.21 | USD | ≈3.4% |
| Feb 4, 2025 | $0.21 | USD | ≈3.1% |
| Nov 4, 2024 | $0.19 | USD | ≈3.6% |
| Aug 6, 2024 | $0.19 | USD | ≈3.6% |
| May 6, 2024 | $0.19 | USD | ≈3.7% |
| Feb 5, 2024 | $0.19 | USD | ≈3.7% |
| Nov 6, 2023 | $0.17 | USD | ≈3.5% |
| Aug 7, 2023 | $0.17 | USD | ≈3.3% |
| May 8, 2023 | $0.17 | USD | ≈3.9% |
| Feb 6, 2023 | $0.17 | USD | ≈2.9% |
| Nov 4, 2022 | $0.16 | USD | ≈3.0% |
| Aug 8, 2022 | $0.16 | USD | ≈3.4% |
| May 9, 2022 | $0.16 | USD | ≈3.6% |
| Feb 7, 2022 | $0.16 | USD | ≈3.2% |
| Nov 5, 2021 | $0.15 | USD | ≈3.1% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-7.0%
Next Report
Oct 19, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 20, 2026 | $0.76 | $0.74 | 2.5% |
| March 31, 2026 | $0.34 | $0.62 | -44.8% | |
| Dec. 31, 2025 | $0.60 | $0.64 | -6.9% | |
| Sept. 30, 2025 | $0.63 | $0.63 | 0.74% | |
| June 30, 2025 | $0.61 | $0.61 | 0.79% | |
| March 31, 2025 | $0.60 | $0.57 | 5.5% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | $38M | $7M | $6M | $6M | $10M | $8M | |
| Interest Income | $256M | $252M | $229M | $153M | $128M | $124M | $144M | $137M | |
| Pretax Income | $105M | $97M | $89M | $76M | $77M | $50M | $72M | $65M | |
| Income Tax | $27M | $26M | $23M | $20M | $20M | $13M | $5M | $869.0K | |
| Net Income | $77M | $72M | $66M | $56M | $56M | $37M | $67M | $64M | |
| EPS (Basic) | $2.44 | $2.27 | $2.08 | $1.95 | $2.02 | $1.34 | $3.33 | $3.54 | |
| EPS (Diluted) | $2.44 | $2.26 | $2.07 | $1.95 | $2.02 | $1.34 | $3.33 | $3.54 | |
| Shares (Basic) | 31,502,351 | 31,590,117 | 31,626,308 | 28,853,697 | 27,795,806 | 27,457,306 | 20,090,270 | 18,047,332 | |
| Shares (Diluted) | 31,611,304 | 31,712,480 | 31,738,147 | 28,919,316 | 27,811,293 | 27,457,306 | 20,090,270 | 18,047,332 | |
| EBITDA | $3M | $3M | $3M | $3M | $3M | $3M | $3M | · |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $122M | $138M | $141M | $114M | $409M | $312M | $284M | $187M | |
| PP&E (Net) | $74M | $67M | $65M | $50M | $52M | $53M | $54M | $55M | |
| PP&E (Gross) | $126M | $125M | $120M | $102M | $101M | $99M | $97M | $95M | |
| Accum. Depreciation | $52M | $58M | $55M | $52M | $49M | $46M | $43M | $41M | |
| Goodwill | $60M | $60M | $60M | $29M | $29M | $24M | $24M | $24M | |
| Intangibles | $15M | $18M | $21M | $1M | $2M | $3M | $4M | $5M | |
| Total Assets | $5.07B | $5.03B | $5.07B | $4.29B | $4.31B | $3.67B | $3.25B | $3.25B | |
| Total Liabilities | $4.46B | $4.49B | $4.58B | $3.91B | $3.90B | $3.30B | $2.91B | $2.91B | |
| Retained Earnings | $367M | $317M | $269M | $232M | $194M | $155M | $134M | $315M | |
| Treasury Stock | $28M | $23M | $19M | $10M | $5M | · | · | · | |
| AOCI | $-23M | $-47M | $-57M | $-72M | $1M | $18M | $8M | $-4M | |
| Stockholders' Equity | $615M | $545M | $489M | $374M | $412M | $364M | $333M | $340M | |
| Liabilities + Equity | $5.07B | $5.03B | $5.07B | $4.29B | $4.31B | $3.67B | $3.25B | $3.25B | |
| Shares Outstanding | 31,431,924 | 31,559,366 | 31,695,828 | 28,752,626 | 28,986,061 | 27,457,306 | 27,457,306 | · |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| D&A | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | |
| Stock-based Comp | $2M | $2M | $2M | $2M | $764.0K | $351.0K | · | · | |
| Deferred Tax | $329.0K | $996.0K | $4M | $-3M | $3M | $-339.0K | $3M | · | |
| Amort. of Intangibles | $3M | $3M | $3M | $873.0K | $1M | $1M | $1M | $2M | |
| Other Non-cash | $3M | $12M | $-9M | $14M | $-20M | $-9M | $22M | · | |
| Operating Cash Flow | $85M | $89M | $66M | $73M | $43M | $31M | $89M | $80M | |
| Investing Cash Flow | $-40M | $32M | $133M | $-335M | $-350M | $-380M | $115M | $65M | |
| Stock Issued | · | · | · | · | · | · | $138M | · | |
| Stock Repurchased | $5M | $4M | $9M | $5M | $5M | · | · | $907.0K | |
| Net Stock Activity | $-5M | $-4M | $-9M | $-5M | $-5M | · | $138M | · | |
| Dividends Paid | $27M | $24M | $22M | $19M | $17M | $17M | $225M | $43M | |
| Financing Cash Flow | $-61M | $-125M | $-171M | $-33M | $403M | $378M | $-107M | $-124M | |
| Net Change in Cash | $-15M | $-4M | $27M | $-295M | $97M | $28M | $97M | $21M | |
| Taxes Paid | $27M | $24M | $21M | $20M | $21M | $17M | $880.0K | $851.0K |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 32.5% | 32.0% | 29.0% | 31.3% | 35.2% | 24.2% | 40.2% | · | |
| Pretax Margin | 44.1% | 43.4% | 39.0% | 42.2% | 47.9% | 32.6% | 43.3% | · | |
| EBITDA Margin | 1.4% | 1.3% | 1.4% | 1.7% | 1.9% | 1.9% | 1.6% | · | |
| ROA | 1.5% | 1.4% | 1.4% | 1.3% | 1.4% | 1.1% | 2.1% | · | |
| ROE | 12.9% | 13.3% | 13.9% | 15.4% | 14.2% | 10.2% | 19.6% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $19.58 | $17.26 | $15.44 | $12.99 | $14.21 | $13.25 | · | · | |
| Revenue / Share | $7.50 | $7.08 | $7.16 | $6.24 | $5.74 | $5.54 | · | · | |
| Cash Flow / Share | $2.69 | $2.82 | $2.07 | $2.51 | $1.55 | $1.14 | · | · | |
| Cash / Share | $3.89 | $4.36 | $4.46 | $3.97 | $14.12 | $11.38 | · | · | |
| Dividend / Share | $0.84 | $0.76 | $0.68 | · | · | · | · | · | |
| Dividend Paid / Share | · | $0.76 | $0.68 | $0.64 | $0.60 | $0.60 | $12.48 | $2.36 | |
| EPS (TTM) | $2.44 | $2.26 | $2.07 | $1.95 | $2.02 | $1.34 | $3.33 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 5.6% | -1.2% | 25.8% | 13.1% | 5.0% | · | · | · | |
| Revenue CAGR 3Y | 9.5% | 12.0% | 14.3% | · | · | · | · | · | |
| Revenue CAGR 5Y | 9.3% | · | · | · | · | · | · | · | |
| EPS YoY | 8.0% | 9.2% | 6.2% | -3.5% | 50.7% | · | · | · | |
| EPS CAGR 3Y | 7.8% | 3.8% | 15.6% | · | · | · | · | · | |
| EPS CAGR 5Y | 12.7% | · | · | · | · | · | · | · | |
| Net Income YoY | 7.3% | 9.0% | 16.6% | 0.33% | 52.7% | · | · | · | |
| Net Income CAGR 3Y | 10.9% | 8.5% | 21.3% | · | · | · | · | · | |
| Net Income CAGR 5Y | 15.9% | · | · | · | · | · | · | · | |
| Dividends Paid CAGR 5Y | 10.0% | · | · | · | · | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $237M | $224M | $227M | $181M | $160M | $152M | $167M | · | |
| Net Income TTM | $77M | $72M | $66M | $56M | $56M | $37M | $67M | · | |
| Market Cap | $813M | $691M | $669M | $563M | $543M | $416M | · | · | |
| P/E | 10.6 | 9.7 | 10.2 | 10.0 | 9.3 | 11.3 | 5.7 | · | |
| P/S | 3.4 | 3.1 | 2.9 | 3.1 | 3.4 | 2.7 | · | · | |
| P/B | 1.3 | 1.3 | 1.4 | 1.5 | 1.3 | 1.1 | · | · | |
| P / Tangible Book | 1.5 | 1.5 | 1.6 | 1.6 | 1.4 | 1.2 | · | · | |
| P / Cash Flow | 9.6 | 7.7 | 10.2 | 7.8 | 12.6 | 13.3 | · | · | |
| Dividend Yield | 3.3% | 3.5% | 3.3% | 3.3% | 3.1% | 4.0% | · | · | |
| Earnings Yield | 9.4% | 10.3% | 9.8% | 10.0% | 10.8% | 8.8% | 17.5% | · | |
| Payout Ratio | 34.5% | 33.7% | 33.2% | 32.9% | 29.8% | 44.8% | 336.4% | · | |
| Annual Payout | $27M | $24M | $22M | $19M | $17M | $17M | $225M | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $16M | $15M | · | $11M | $8M | $5M | · | $2M | |
| Interest Income | $89M | $72M | $64M | $64M | $64M | $63M | $63M | $64M | $63M | $62M | $61M | $59M | $57M | $52M | $45M | $39M | |
| Pretax Income | $38M | $15M | $26M | $27M | $26M | $26M | $27M | $25M | $25M | $21M | $25M | $27M | $25M | $12M | $18M | $21M | |
| Income Tax | $10M | $4M | $7M | $7M | $7M | $6M | $7M | $6M | $7M | $5M | $6M | $7M | $7M | $3M | $4M | $6M | |
| Net Income | $28M | $11M | $19M | $20M | $19M | $19M | $20M | $18M | $18M | $15M | $18M | $20M | $18M | $9M | $13M | $16M | |
| EPS (Basic) | $0.77 | $0.34 | $0.60 | $0.63 | $0.61 | $0.60 | $0.64 | $0.58 | $0.57 | $0.48 | $0.58 | $0.62 | $0.58 | $0.30 | $0.45 | $0.54 | |
| EPS (Diluted) | $0.76 | $0.34 | $0.60 | $0.63 | $0.61 | $0.60 | $0.64 | $0.57 | $0.57 | $0.48 | $0.57 | $0.62 | $0.58 | $0.30 | $0.45 | $0.54 | |
| Shares (Basic) | 36,373,749 | 33,180,009 | · | 31,481,135 | 31,510,759 | 31,584,989 | · | 31,559,366 | 31,579,457 | 31,662,954 | · | 31,829,250 | 31,980,133 | 30,977,204 | · | 28,787,662 | |
| Shares (Diluted) | 36,466,688 | 33,300,096 | · | 31,587,935 | 31,588,541 | 31,711,671 | · | 31,677,546 | 31,666,811 | 31,803,187 | · | 31,966,437 | 32,079,983 | 31,047,151 | · | 28,860,305 | |
| EBITDA | · | $971.0K | · | · | · | $756.0K | · | · | · | $729.0K | · | · | · | $793.0K | · | · |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $132M | $288M | $122M | $155M | $196M | $212M | $138M | $180M | $195M | $260M | · | $112M | $110M | $177M | · | $78M | |
| PP&E (Net) | $91M | $91M | $74M | $70M | $69M | $67M | $67M | $66M | $66M | $65M | · | $65M | $65M | $65M | · | $51M | |
| PP&E (Gross) | · | · | $126M | · | · | · | $125M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $52M | · | · | · | $58M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $82M | $84M | $60M | $60M | $60M | $60M | $60M | $60M | $60M | $60M | · | $60M | $60M | $60M | · | $29M | |
| Intangibles | $43M | $44M | $15M | $16M | $16M | $17M | $18M | $19M | $19M | $20M | · | $21M | $22M | $23M | · | $1M | |
| Total Assets | $6.73B | $6.77B | $5.07B | $5.04B | $5.02B | $5.09B | $5.03B | $4.99B | $5.01B | $5.04B | · | $4.99B | $4.98B | $5.01B | · | $4.21B | |
| Total Liabilities | $5.96B | $6.03B | $4.46B | $4.44B | $4.44B | $4.53B | $4.49B | $4.45B | $4.50B | $4.54B | · | $4.54B | $4.52B | $4.56B | · | $3.85B | |
| Retained Earnings | $391M | $371M | $367M | $355M | $342M | $329M | $317M | $303M | $290M | $278M | · | $256M | $242M | $229M | · | $223M | |
| Treasury Stock | $44M | $43M | $28M | $27M | $26M | $23M | $23M | $23M | $23M | $22M | · | $17M | $15M | $11M | · | $10M | |
| AOCI | $-30M | $-27M | $-23M | $-27M | $-33M | $-38M | $-47M | $-39M | $-55M | $-56M | · | $-78M | $-71M | $-62M | · | $-77M | |
| Stockholders' Equity | $765M | $747M | $615M | $599M | $581M | $565M | $545M | $538M | $509M | $497M | $489M | $456M | $451M | $450M | $374M | $359M | |
| Liabilities + Equity | $6.73B | $6.77B | $5.07B | $5.04B | $5.02B | $5.09B | $5.03B | $4.99B | $5.01B | $5.04B | · | $4.99B | $4.98B | $5.01B | · | $4.21B | |
| Shares Outstanding | 36,365,612 | 36,381,078 | 31,431,924 | 31,455,803 | 31,495,434 | 31,631,431 | 31,559,366 | 31,559,366 | 31,559,366 | 31,612,888 | 31,695,828 | 31,774,140 | 31,865,868 | 32,095,370 | 28,752,626 | 28,752,626 |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $1M | $971.0K | $853.0K | $812.0K | $779.0K | $756.0K | $737.0K | $745.0K | $733.0K | $729.0K | $746.0K | $753.0K | $816.0K | $793.0K | $747.0K | $764.0K | |
| Stock-based Comp | $475.0K | $477.0K | $556.0K | $513.0K | $455.0K | $419.0K | $487.0K | $380.0K | $376.0K | $509.0K | $394.0K | $608.0K | $434.0K | $517.0K | $347.0K | $349.0K | |
| Deferred Tax | $-977.0K | $10M | $-396.0K | $-366.0K | $309.0K | $782.0K | $635.0K | $-361.0K | $-432.0K | $1M | $1M | $2M | $2M | $-1M | $-3M | $-386.0K | |
| Amort. of Intangibles | $1M | $887.0K | $643.0K | $694.0K | $694.0K | $695.0K | $709.0K | $710.0K | $710.0K | $710.0K | $720.0K | $720.0K | $720.0K | $510.0K | $140.0K | $243.0K | |
| Other Non-cash | · | $6M | · | · | · | $9M | · | · | · | $9M | · | · | · | $12M | · | · | |
| Operating Cash Flow | $17M | $29M | $24M | $17M | $14M | $30M | $17M | $26M | $20M | $27M | $13M | $17M | $15M | $21M | $23M | $18M | |
| Investing Cash Flow | $-114M | $234M | $-67M | $-50M | $60M | $17M | $-90M | $4M | $-34M | $153M | $-29M | $-31M | $-33M | $225M | $-21M | $-93M | |
| Stock Repurchased | $426.0K | $16M | $587.0K | $1M | $3M | $0 | $0 | $0 | $1M | $3M | $1M | $2M | $4M | $2M | $0 | $1M | |
| Net Stock Activity | · | $-16M | · | · | · | $0 | · | · | · | $-3M | · | · | · | $-2M | · | · | |
| Dividends Paid | $8M | $7M | $7M | $7M | $7M | $7M | $6M | $6M | $6M | $6M | $5M | $5M | $5M | $6M | $5M | $5M | |
| Financing Cash Flow | $-59M | $-97M | $10M | $-8M | $-90M | $27M | $31M | $-45M | $-51M | $-61M | $45M | $17M | $-49M | $-184M | $34M | $-8M | |
| Net Change in Cash | $-155M | $165M | $-33M | $-41M | $-16M | $74M | $-42M | $-16M | $-65M | $119M | $29M | $2M | $-67M | $63M | $36M | $-82M | |
| Taxes Paid | $9M | $0 | $6M | $7M | $14M | $0 | $7M | $8M | $11M | $-749.0K | $5M | $7M | $9M | $0 | $6M | $6M |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 34.4% | 16.6% | · | 33.0% | 32.7% | 32.9% | · | 32.2% | 31.9% | 29.2% | · | 34.1% | 31.4% | 17.0% | · | 34.2% | |
| Pretax Margin | 46.7% | 22.4% | · | 44.7% | 44.8% | 44.0% | · | 43.4% | 44.1% | 39.2% | · | 46.1% | 42.6% | 22.4% | · | 46.6% | |
| EBITDA Margin | · | 1.4% | · | · | · | 1.3% | · | · | · | 1.4% | · | · | · | 1.5% | · | · | |
| ROA | 0.47% | 0.19% | · | 0.39% | 0.38% | 0.38% | · | 0.36% | 0.36% | 0.30% | · | 0.43% | 0.40% | 0.20% | · | 0.38% | |
| ROE | 4.1% | 1.7% | · | 3.5% | 3.5% | 3.6% | · | 3.7% | 3.8% | 3.2% | · | 4.8% | 4.5% | 2.2% | · | 4.2% |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $21.03 | $20.54 | · | $19.05 | $18.44 | $17.86 | · | $17.04 | $16.14 | $15.71 | · | $14.36 | $14.15 | $14.02 | · | $12.49 | |
| Revenue / Share | $2.22 | $2.02 | · | $1.89 | $1.86 | $1.83 | · | $1.78 | $1.79 | $1.64 | · | $1.81 | $1.83 | $1.75 | · | $1.58 | |
| Cash Flow / Share | · | $0.86 | · | · | · | $0.96 | · | · | · | $0.84 | · | · | · | $0.69 | · | · | |
| Cash / Share | $3.64 | $7.91 | · | $4.93 | $6.21 | $6.69 | · | $5.69 | $6.19 | $8.23 | · | $3.52 | $3.45 | $5.52 | · | $2.72 | |
| Dividend / Share | $0.23 | $0.23 | $0.21 | $0.21 | $0.21 | $0.21 | $0.19 | $0.19 | $0.19 | $0.19 | · | · | · | · | · | · | |
| Dividend Paid / Share | · | · | · | · | · | · | · | $0.19 | $0.19 | $0.19 | · | $0.17 | $0.17 | $0.17 | $0.16 | $0.16 | |
| EPS (TTM) | $2.33 | $2.18 | · | $2.48 | $2.42 | $2.38 | · | $2.19 | $2.24 | $2.25 | · | $1.95 | $1.87 | $1.78 | · | $1.97 |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $269M | $246M | · | $236M | $232M | $230M | · | $222M | $223M | $225M | · | $221M | $209M | $193M | · | $173M | |
| Net Income TTM | $78M | $69M | · | $78M | $77M | $76M | · | $70M | $71M | $72M | · | $61M | $56M | $52M | · | $57M | |
| Market Cap | $1.16B | $972M | · | $793M | $794M | $709M | · | $691M | $644M | $602M | · | $580M | $588M | $633M | · | $522M | |
| P/E | 13.7 | 12.3 | · | 10.2 | 10.4 | 9.4 | · | 10.0 | 9.1 | 8.5 | · | 9.4 | 9.9 | 11.1 | · | 9.2 | |
| P/S | 4.3 | 3.9 | · | 3.4 | 3.4 | 3.1 | · | 3.1 | 2.9 | 2.7 | · | 2.6 | 2.8 | 3.3 | · | 3.0 | |
| P/B | 1.5 | 1.3 | · | 1.3 | 1.4 | 1.3 | · | 1.3 | 1.3 | 1.2 | · | 1.3 | 1.3 | 1.4 | · | 1.5 | |
| P / Tangible Book | 1.8 | 1.6 | · | 1.5 | 1.6 | 1.5 | · | 1.5 | 1.5 | 1.4 | · | 1.5 | 1.6 | 1.7 | · | 1.6 | |
| P / Cash Flow | · | 34.1 | · | · | · | 23.3 | · | · | · | 22.5 | · | · | · | 29.5 | · | · | |
| Dividend Yield | 2.5% | 2.8% | · | 3.3% | 3.2% | 3.5% | · | 3.4% | 3.6% | 3.7% | · | 3.6% | 3.5% | 3.1% | · | 3.5% | |
| Earnings Yield | 7.3% | 8.2% | · | 9.8% | 9.6% | 10.6% | · | 10.0% | 11.0% | 11.8% | · | 10.7% | 10.1% | 9.0% | · | 10.8% | |
| Payout Ratio | · | 64.9% | · | · | · | 35.0% | · | · | · | 39.8% | · | · | · | 59.8% | · | · | |
| Annual Payout | $29M | $27M | · | $26M | $25M | $25M | · | $24M | $23M | $22M | · | $21M | $20M | $19M | · | $18M |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Net Income | $77M | $72M | $66M | $56M | $56M |
| Diluted EPS | $2.44 | $2.26 | $2.07 | $1.95 | $2.02 |
No data for this statement
Not enough fundamentals data to build this statement yet.
No data for this statement
Not enough fundamentals data to build this statement yet.
Institutional owners (13F) 131 filers · $311.4M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
131
Value held
$311.4M
New positions
19
Exited positions
16
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 19 (-5 vs prior Q) | 16 (+10 vs prior Q) | 55 (+12 vs prior Q) | 27 (-5 vs prior Q) | +1.2M |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| BlackRock, Inc. | $63,321,368 | 1,979,411 | 20.34% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $23,248,796 | 726,752 | 7.47% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $18,838,071 | 588,886 | 6.05% | Shares |
| VANGUARD GROUP INC | $17,345,065 | 670,989 | 5.57% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $15,675,452 | 490,011 | 5.03% | Shares |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $15,137,732 | 473,202 | 4.86% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $14,397,926 | 450,008 | 4.62% | Shares |
| STATE STREET CORP | $12,665,737 | 395,928 | 4.07% | Shares |
| AMERICAN CENTURY COMPANIES INC | $11,189,494 | 349,781 | 3.59% | Shares |
| LPL Financial LLC | $10,291,480 | 321,709 | 3.31% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $9,552,374 | 298,605 | 3.07% | Shares |
| ROYCE & ASSOCIATES LP | $8,458,860 | 264,422 | 2.72% | Shares |
| Allspring Global Investments Holdings, LLC | $7,996,700 | 249,975 | 2.57% | Shares |
| NORTHERN TRUST CORP | $6,221,862 | 194,494 | 2.00% | Shares |
| Siena Capital Partners GP, LLC | $5,832,769 | 182,331 | 1.87% | Shares |
| Heartland Bank & Trust Co | $4,816,895 | 150,575 | 1.55% | Shares |
| Bank of New York Mellon Corp | $4,472,492 | 139,809 | 1.44% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $4,330,486 | 135,370 | 1.39% | Shares |
| MORGAN STANLEY | $3,891,953 | 121,661 | 1.25% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,886,529 | 121,492 | 1.25% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,629,489 | 113,457 | 1.17% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3,503,673 | 109,524 | 1.13% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $3,030,829 | 94,743 | 0.97% | Shares |
| JOHNSON INVESTMENT COUNSEL INC | $2,645,733 | 82,705 | 0.85% | Shares |
| GOLDMAN SACHS GROUP INC | $2,643,974 | 82,650 | 0.85% | Shares |
| Nuveen, LLC | $2,066,202 | 64,589 | 0.66% | Shares |
| Wall Street Financial Group, Inc. | $1,619,654 | 50,630 | 0.52% | Shares |
| Quantinno Capital Management LP | $1,593,805 | 49,821 | 0.51% | Shares |
| BARCLAYS PLC | $1,411,814 | 44,133 | 0.45% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $1,366,101 | 42,704 | 0.44% | Shares |
| State of New Jersey Common Pension Fund D | $1,274,865 | 39,852 | 0.41% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $1,143,771 | 35,754 | 0.37% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $1,119,522 | 34,996 | 0.36% | Shares |
| Swiss National Bank | $1,110,053 | 34,700 | 0.36% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,048,025 | 32,761 | 0.34% | Shares |
| Empirical Financial Services, LLC d.b.a. Empirical Wealth Management | $937,715 | 29,313 | 0.30% | Shares |
| CITADEL ADVISORS LLC | $881,708 | 27,562 | 0.28% | Shares |
| JPMORGAN CHASE & CO | $826,285 | 25,943 | 0.27% | Shares |
| WEDGE CAPITAL MANAGEMENT L L P/NC | $793,103 | 29,682 | 0.25% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $774,158 | 24,200 | 0.25% | Put option |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $715,232 | 22,358 | 0.23% | Shares |
| Hickory Point Bank & Trust | $707,400 | 20,000 | 0.23% | Shares |
| ZACKS INVESTMENT MANAGEMENT | $692,456 | 21,646 | 0.22% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $652,692 | 20,403 | 0.21% | Shares |
| Russell Investments Group, Ltd. | $644,566 | 20,149 | 0.21% | Shares |
| RHUMBLINE ADVISERS | $608,410 | 19,019 | 0.20% | Shares |
| First Command Advisory Services, Inc. | $570,510 | 17,834 | 0.18% | Shares |
| DEUTSCHE BANK AG\ | $510,272 | 15,951 | 0.16% | Shares |
| Invesco Ltd. | $506,402 | 15,830 | 0.16% | Shares |
| TWO SIGMA ADVISERS, LP | $485,980 | 18,800 | 0.16% | Shares |
Company insiders 18 insiders · 8 officers · 11 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| James Lance Carter | President and CEO | Feb. 28, 2026 F | 147,074 | 0 | 0 | $0 |
| Peter Robert Chapman | EVP & CFO | Feb. 28, 2026 F | 25,996 | 0 | 0 | $0 |
| Matthew J Doherty | EVP & CHIEF FINANCIAL OFFICER | Feb. 25, 2022 A | 71,973 | 0 | 0 | $0 |
| Mark W Scheirer | EVP & Chief Credit Officer | April 30, 2026 G | 3,199 | 0 | 0 | $0 |
| Lawrence J Horvath | EVP & Chief Lending Officer | March 16, 2026 S | 58,609 | 0 | 1 | $-133,000 |
| Andrea E Zurkamer | EVP & Chief Risk Officer | Feb. 28, 2026 F | 14,688 | 0 | 0 | $0 |
| Diane H Lanier | EVP & Chief Retail Officer | Feb. 28, 2026 A | 35,295 | 0 | 0 | $0 |
| Larry J Kallembach | Executive Vice President & Chief Information Officer. | Jan. 28, 2020 A | 7,700 | 0 | 0 | $0 |
| Roger A Baker | Director | Aug. 18, 2026 G | 531,604 | 0 | 0 | $0 |
| Patrick F Busch | Director | March 16, 2026 S | 174,544 | 0 | 1 | $-397,200 |
| Eric E Burwell | Director | March 10, 2026 P | 35,820 | 1 | 0 | $104,960 |
| Nancy L Ruyle | Director | March 1, 2026 A | 20,868 | 0 | 0 | $0 |
| James T Ashworth | Director | March 1, 2026 A | 159,854 | 0 | 0 | $0 |
| Linda J. Koch | Director | Feb. 28, 2026 A | 5,500 | 0 | 0 | $0 |
| Gerald E Pfeiffer | Director | Feb. 28, 2026 A | 59,785 | 0 | 0 | $0 |
| Alvin C. Bowman | Director | Feb. 28, 2026 A | 5,000 | 0 | 0 | $0 |
| Allen C Drake | Director | Feb. 28, 2026 A | 4,000 | 0 | 0 | $0 |
| Dale S Strassheim | Director | Feb. 19, 2021 A | 10,280 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 25 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| DWAS · Invesco Exchange-Traded Fund Trust … | 0.38% | 42,882 SH | Oct. 2, 2026 | Daily |
| IWC · iShares Trust | 0.14% | 55,829 SH | Sept. 11, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.12% | 395 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.03% | 14,166 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.02% | 1,784 SH | Oct. 2, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 93,731 SH | Aug. 19, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.02% | 85,301 NS | July 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.02% | 421,879 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 7,773 NS | July 31, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 43,826 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 7,780 SH | Oct. 2, 2026 | Daily |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 191,907 SH | Aug. 19, 2026 | Daily |
| FNCL · FIDELITY COVINGTON TRUST | 0.01% | 4,540 NS | July 31, 2026 | N-PORT |
| WSML · iShares Trust | 0.01% | 1,068 SH | Sept. 11, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.00% | 9,080 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 2,558 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,590 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 5,278 SH | Sept. 11, 2026 | Daily |
| DFAU · Dimensional ETF Trust | 0.00% | 3,452 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 9,194 NS | July 31, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,774 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 521,695 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 1,627 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 155,173 SH | Sept. 11, 2026 | Daily |
HBT Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 9 analysts
BUY
Median target
$40.00
+10.1%
1 11.1%
Strong Buy
5 55.6%
Buy
3 33.3%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
5 analysts · 2026-10-02Mean target $40.20 +10.6%
← Below all targets
Current price $36.34
Low$37.00
Mean$40.20
High$44.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| HBT | $813M | 10.6 | 5.6% | 32.5% | 12.9% | · |
| BHRB | $936M | 8.1 | 30.6% | 34.3% | 14.3% | · |
| CTBI | $1.02B | 10.4 | 13.7% | 34.7% | 11.8% | · |
| WABC | $1.18B | 10.6 | -12.2% | 45.0% | 12.5% | · |
| PEBO | · | 10.0 | 2.3% | 123.1% | 9.0% | · |
| FMBH | $935M | 10.2 | 7.4% | 26.3% | 9.9% | · |
| OSBC | $1.03B | 12.0 | 18.9% | 23.7% | 9.9% | · |
| PFBC | · | · | · | · | · | · |
| THFF | $718M | 9.0 | 20.2% | 30.2% | 12.8% | · |
| AMTB | · | 15.5 | 30.8% | 11.9% | 5.6% | · |
Latest News Recent headlines mentioning this company
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
No open signal right now — no card is filled, and that's honest.
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Source: SEC 10-Q filed Aug 7, 2026