HBT HBT Financial, Inc. - Common Stock
$36.20
Price · Aug 19, 2026
Fundamentals as of Aug 7, 2026
52W Range
$22–$38
91% of range
Analyst Rating
BUY
9 analysts
Price Target
$39
+7% upside
P/E (TTM)
17.2
ROE
12.9%
Net Profit Margin
32.5%
HBT Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$36.20
Market Cap
$1.32B
P/E (TTM)
17.2
EPS (TTM)
$2.44
Revenue (TTM)
—
Div Yield
2.0%
ROE
12.9%
Debt/Equity
—
52W Range
$22 – $38
HBT Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
—
EPS
$2.44
2017-12-31
→
2025-12-31
Free Cash Flow
—
Margins
32.5%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
HBT
Peer Median
P/E (TTM)
17.2
14.0
P/S (TTM)
5.6
2.0
P/B
2.1
1.0
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
HBT
Peer Median
Net Profit Margin
32.5%
26.3%
ROA
1.5%
1.1%
ROE
12.9%
10.2%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
HBT
Peer Median
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
HBT
Peer Median
Revenue YoY
5.6%
—
Revenue CAGR 3Y
9.5%
—
Revenue CAGR 5Y
9.3%
—
EPS YoY
8.0%
—
Net Income YoY
7.3%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
HBT
Peer Median
Payout Ratio
34.5%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
2.0%
Payout Ratio
34.5%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| Aug. 11, 2026 | $0.2500 |
| May 12, 2026 | $0.2300 |
| Feb. 9, 2026 | $0.2300 |
| Nov. 3, 2025 | $0.2100 |
| Aug. 5, 2025 | $0.2100 |
| May 6, 2025 | $0.2100 |
| Feb. 4, 2025 | $0.2100 |
| Nov. 4, 2024 | $0.1900 |
| Aug. 6, 2024 | $0.1900 |
| May 6, 2024 | $0.1900 |
| Feb. 5, 2024 | $0.1900 |
| Nov. 6, 2023 | $0.1700 |
| Aug. 7, 2023 | $0.1700 |
| May 8, 2023 | $0.1700 |
| Feb. 6, 2023 | $0.1700 |
| Nov. 4, 2022 | $0.1600 |
| Aug. 8, 2022 | $0.1600 |
| May 9, 2022 | $0.1600 |
| Feb. 7, 2022 | $0.1600 |
| Nov. 5, 2021 | $0.1500 |
HBT Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
BUY
9 analysts
- Strong Buy 1 11.1%
- Buy 5 55.6%
- Hold 3 33.3%
- Sell 0 0.0%
- Strong Sell 0 0.0%
12-Month Price Target
5 analysts · 2026-08-14
Median
$38.00
Mean
$38.60
← Below all targets
$36.20
Low
$38.00
High
$40.00
Median target
$38.00
+5.0%
Mean target
$38.60
+6.6%
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
-0.04%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| June 30, 2026 | $0.76 | $0.74 | 0.02% |
| March 31, 2026 | $0.34 | $0.62 | -0.28% |
| Dec. 31, 2025 | $0.60 | $0.64 | -0.04% |
| Sept. 30, 2025 | $0.63 | $0.63 | 0.00% |
| June 30, 2025 | $0.61 | $0.61 | 0.00% |
| March 31, 2025 | $0.60 | $0.57 | 0.03% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| HBT | $813M | 10.6 | 5.6% | 32.5% | 12.9% | — |
| PFBC | — | — | — | — | — | — |
| CTBI | $1.02B | 10.4 | 13.7% | 34.7% | 11.8% | — |
| WABC | $1.18B | 10.6 | -12.2% | 45.0% | 12.5% | — |
| FMBH | $935M | 10.2 | 7.4% | 26.3% | 9.9% | — |
| OSBC | $1.03B | 12.0 | 18.9% | 23.7% | 9.9% | — |
| HFWA | $803M | 12.1 | 13.5% | 27.4% | 7.5% | — |
| UVSP | $922M | 10.5 | 9.6% | 27.7% | 9.8% | — |
| MCB | $770M | 11.5 | -53.8% | 643.2% | 9.7% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| 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 14
| 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 14
| 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 5
| 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 1
| 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 | · |
Growth Rates 10
| 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% | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 10.0% | · | · | · | · | · | · | · |
Valuation (TTM) 12
| 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 10
| 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 | -63,074,532 | 31,481,135 | 31,510,759 | 31,584,989 | -63,211,660 | 31,559,366 | 31,579,457 | 31,662,954 | -63,160,279 | 31,829,250 | 31,980,133 | 30,977,204 | -57,811,760 | 28,787,662 | |
| Shares (Diluted) | 36,466,688 | 33,300,096 | -63,276,843 | 31,587,935 | 31,588,541 | 31,711,671 | -63,435,064 | 31,677,546 | 31,666,811 | 31,803,187 | -63,355,424 | 31,966,437 | 32,079,983 | 31,047,151 | -57,916,104 | 28,860,305 | |
| EBITDA | · | $971.0K | · | · | · | $756.0K | · | · | · | $729.0K | · | · | · | $793.0K | · | · |
Balance Sheet 14
| 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 13
| 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 5
| 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 1
| 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 |
Valuation (TTM) 10
| 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 | $267M | $244M | · | $233M | $230M | $223M | · | $223M | $226M | $223M | · | $216M | $202M | $185M | · | $170M | |
| Net Income TTM | $78M | $69M | · | $76M | $75M | $71M | · | $71M | $72M | $63M | · | $63M | $57M | $53M | · | $57M | |
| Market Cap | $1.16B | $972M | · | $793M | $794M | $709M | · | $691M | $644M | $602M | · | $580M | $588M | $633M | · | $522M | |
| P/E | 13.7 | 12.3 | · | 10.5 | 10.7 | 10.1 | · | 9.8 | 9.1 | 9.6 | · | 8.9 | 9.7 | 11.0 | · | 9.1 | |
| P/S | 4.4 | 4.0 | · | 3.4 | 3.5 | 3.2 | · | 3.1 | 2.9 | 2.7 | · | 2.7 | 2.9 | 3.4 | · | 3.1 | |
| 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 | · | · | |
| Earnings Yield | 7.3% | 8.2% | · | 9.6% | 9.3% | 9.9% | · | 10.2% | 11.0% | 10.4% | · | 11.2% | 10.4% | 9.1% | · | 11.0% | |
| Payout Ratio | · | 64.9% | · | · | · | 35.0% | · | · | · | 39.8% | · | · | · | 59.8% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 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 |
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Institutional owners (13F) 134 filers · $201.8M total · As of June 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.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 26 (+3 vs prior Q) | 16 (+10 vs prior Q) | 48 (+7 vs prior Q) | 28 (-4 vs prior Q) | +580K |
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 |
|---|---|---|---|---|
| VANGUARD CAPITAL MANAGEMENT LLC | $23,248,796 | 726,752 | 11.52% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $17,360,397 | 542,682 | 8.60% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $15,675,452 | 490,011 | 7.77% | Shares |
| ADAGE CAPITAL PARTNERS GP, L.L.C. | $15,137,732 | 473,202 | 7.50% | Shares |
| STATE STREET CORP | $12,665,737 | 395,928 | 6.28% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $12,352,262 | 386,061 | 6.12% | Shares |
| AMERICAN CENTURY COMPANIES INC | $11,189,494 | 349,781 | 5.55% | Shares |
| LPL Financial LLC | $10,291,480 | 321,709 | 5.10% | Shares |
| ROYCE & ASSOCIATES LP | $8,458,860 | 264,422 | 4.19% | Shares |
| Allspring Global Investments Holdings, LLC | $7,996,700 | 249,975 | 3.96% | Shares |
| Siena Capital Partners GP, LLC | $5,832,769 | 182,331 | 2.89% | Shares |
| WELLINGTON MANAGEMENT GROUP LLP | $5,032,187 | 157,305 | 2.49% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $4,330,486 | 135,370 | 2.15% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,886,529 | 121,492 | 1.93% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,629,489 | 113,457 | 1.80% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $3,503,673 | 109,524 | 1.74% | Shares |
| Bank of New York Mellon Corp | $3,352,328 | 104,793 | 1.66% | Shares |
| CAPTRUST FINANCIAL ADVISORS | $3,030,829 | 94,743 | 1.50% | Shares |
| BlackRock, Inc. | $2,700,788 | 84,426 | 1.34% | Shares |
| JOHNSON INVESTMENT COUNSEL INC | $2,645,733 | 82,705 | 1.31% | Shares |
| GOLDMAN SACHS GROUP INC | $2,172,345 | 67,907 | 1.08% | Shares |
| Wall Street Financial Group, Inc. | $1,619,654 | 50,630 | 0.80% | Shares |
| Quantinno Capital Management LP | $1,593,805 | 49,821 | 0.79% | Shares |
| BARCLAYS PLC | $1,387,342 | 43,368 | 0.69% | Shares |
| State of New Jersey Common Pension Fund D | $1,274,865 | 39,852 | 0.63% | Shares |
| LOS ANGELES CAPITAL MANAGEMENT LLC | $1,143,771 | 35,754 | 0.57% | Shares |
| JACOBS LEVY EQUITY MANAGEMENT, INC | $1,119,522 | 34,996 | 0.55% | Shares |
| Swiss National Bank | $1,110,053 | 34,700 | 0.55% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,048,025 | 32,761 | 0.52% | Shares |
| Empirical Financial Services, LLC d.b.a. Empirical Wealth Management | $914,522 | 28,588 | 0.45% | Shares |
| WEDGE CAPITAL MANAGEMENT L L P/NC | $793,103 | 29,682 | 0.39% | Shares |
| SUSQUEHANNA INTERNATIONAL GROUP, LLP | $774,158 | 24,200 | 0.38% | Put option |
| ZACKS INVESTMENT MANAGEMENT | $692,456 | 21,646 | 0.34% | Shares |
| CITADEL ADVISORS LLC | $662,385 | 20,706 | 0.33% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $652,692 | 20,403 | 0.32% | Shares |
| Hickory Point Bank & Trust | $639,800 | 20,000 | 0.32% | Shares |
| Russell Investments Group, Ltd. | $630,842 | 19,720 | 0.31% | Shares |
| RHUMBLINE ADVISERS | $608,410 | 19,019 | 0.30% | Shares |
| First Command Advisory Services, Inc. | $570,510 | 17,834 | 0.28% | Shares |
| DEUTSCHE BANK AG\ | $510,272 | 15,951 | 0.25% | Shares |
| TWO SIGMA ADVISERS, LP | $485,980 | 18,800 | 0.24% | Shares |
| VANGUARD ASSET MANAGEMENT, Ltd | $464,527 | 14,521 | 0.23% | Shares |
| Sequoia Financial Advisors, LLC | $451,091 | 14,101 | 0.22% | Shares |
| ALLIANCEBERNSTEIN L.P. | $436,605 | 16,340 | 0.22% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $421,308 | 13,170 | 0.21% | Shares |
| FIRST TRUST ADVISORS LP | $415,042 | 12,974 | 0.21% | Shares |
| Squarepoint Ops LLC | $373,643 | 11,680 | 0.19% | Shares |
| Heartland Bank & Trust Co | $321,180 | 10,040 | 0.16% | Shares |
| GLOBEFLEX CAPITAL L P | $311,998 | 9,753 | 0.15% | Shares |
| Meredith Wealth Planning | $306,912 | 9,594 | 0.15% | Shares |
| MetLife Investment Management, LLC | $305,409 | 9,547 | 0.15% | Shares |
| FIFTH THIRD BANCORP | $288,262 | 9,011 | 0.14% | Shares |
| HSBC HOLDINGS PLC | $285,420 | 8,967 | 0.14% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $279,785 | 10,471 | 0.14% | Shares |
| CITADEL ADVISORS LLC | $252,721 | 7,900 | 0.13% | Call option |
| PROEQUITIES, INC. | $248,955 | 11,129 | 0.12% | Shares |
| Mariner, LLC | $245,107 | 7,662 | 0.12% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $240,309 | 7,512 | 0.12% | Shares |
| CANADA PENSION PLAN INVESTMENT BOARD | $239,925 | 7,500 | 0.12% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $239,637 | 7,491 | 0.12% | Shares |
| AMERIPRISE FINANCIAL INC | $238,198 | 7,446 | 0.12% | Shares |
| HighTower Advisors, LLC | $234,743 | 7,338 | 0.12% | Shares |
| OCCUDO QUANTITATIVE STRATEGIES LP | $233,143 | 7,288 | 0.12% | Shares |
| KLP KAPITALFORVALTNING AS | $214,333 | 6,700 | 0.11% | Shares |
| Invesco Ltd. | $205,472 | 6,423 | 0.10% | Shares |
| Police & Firemen's Retirement System of New Jersey | $161,262 | 5,041 | 0.08% | Shares |
| Vanguard Global Advisers, LLC | $160,590 | 5,020 | 0.08% | Shares |
| PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO | $146,770 | 4,588 | 0.07% | Shares |
| VANGUARD GROUP INC | $129,767 | 5,020 | 0.06% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $117,243 | 3,665 | 0.06% | Shares |
| Nuveen, LLC | $114,908 | 3,592 | 0.06% | Shares |
| NORTHERN TRUST CORP | $82,726 | 2,586 | 0.04% | Shares |
| Nuveen Asset Management, LLC | $78,665 | 3,592 | 0.04% | Shares |
| Vanguard Investments Australia, Ltd. | $78,407 | 2,451 | 0.04% | Shares |
| CWM, LLC | $76,125 | 2,849 | 0.04% | Shares |
| FMR LLC | $58,542 | 1,830 | 0.03% | Shares |
| Tower Research Capital LLC (TRC) | $53,423 | 1,670 | 0.03% | Shares |
| Mirae Asset Global Investments Co., Ltd. | $53,039 | 1,658 | 0.03% | Shares |
| Legal & General Group Plc | $51,376 | 1,606 | 0.03% | Shares |
| Ameritas Investment Partners, Inc. | $47,217 | 1,476 | 0.02% | Shares |
| CITIGROUP INC | $38,996 | 1,219 | 0.02% | Shares |
| Rockefeller Capital Management L.P. | $33,651 | 1,051 | 0.02% | Shares |
| AdvisorNet Financial, Inc | $25,272 | 790 | 0.01% | Shares |
| UBS Group AG | $24,600 | 769 | 0.01% | Shares |
| Arax Advisory Partners | $23,417 | 732 | 0.01% | Shares |
| STIFEL FINANCIAL CORP | $21,017 | 657 | 0.01% | Shares |
| NISA INVESTMENT ADVISORS, LLC | $19,162 | 599 | 0.01% | Shares |
| JONES FINANCIAL COMPANIES LLLP | $17,018 | 536 | 0.01% | Shares |
| EVOLUTION WEALTH MANAGEMENT INC. | $15,995 | 500 | 0.01% | Shares |
| ROYAL BANK OF CANADA | $15,000 | 483 | 0.01% | Shares |
| GAMMA Investing LLC | $13,692 | 428 | 0.01% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $12,956 | 405 | 0.01% | Shares |
| Integrated Wealth Concepts LLC | $11,839 | 370 | 0.01% | Shares |
| IFP Advisors, Inc | $11,196 | 350 | 0.01% | Shares |
| Sterling Capital Management LLC | $10,493 | 328 | 0.01% | Shares |
| NewEdge Advisors, LLC | $9,597 | 300 | 0.00% | Shares |
| MassMutual Private Wealth & Trust, FSB | $8,989 | 281 | 0.00% | Shares |
| MORGAN STANLEY | $7,678 | 240 | 0.00% | Shares |
| Optiver Holding B.V. | $6,526 | 204 | 0.00% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $6,493 | 243 | 0.00% | Shares |
Company insiders 14 insiders · 8 officers · 8 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Matthew J Doherty | EVP & Chief Financial Officer | Jan. 28, 2020 A | 66,660 | 0 | 0 | $0 |
| James Lance Carter | President and COO | Jan. 28, 2020 A | 90,800 | 0 | 0 | $0 |
| Andrea E Zurkamer | SVP & Chief Risk Officer | Jan. 28, 2020 A | 3,700 | 0 | 0 | $0 |
| Mark W Scheirer | SVP & Chief Credit Officer | Jan. 28, 2020 A | 21,040 | 0 | 0 | $0 |
| Diane H Lanier | EVP & Chief Retail Officer | Jan. 28, 2020 A | 22,940 | 0 | 0 | $0 |
| Larry J Kallembach | Executive Vice President & Chief Information Officer. | Jan. 28, 2020 A | 7,700 | 0 | 0 | $0 |
| Lawrence J Horvath | Executive Vice President & Regional Senior Lender for Heartland Bank and Trust Company. | Jan. 28, 2020 A | 46,860 | 0 | 0 | $0 |
| Patrick F Busch | EVP & Chief Lending Officer | Jan. 28, 2020 A | 28,228 | 0 | 0 | $0 |
| Linda J. Koch | Director | June 24, 2020 A | 550 | 0 | 0 | $0 |
| Gerald E Pfeiffer | Director | Jan. 28, 2020 A | 34,550 | 0 | 0 | $0 |
| Dale S Strassheim | Director | Jan. 28, 2020 A | 9,730 | 0 | 0 | $0 |
| Eric E Burwell | Director | Jan. 28, 2020 A | 5,850 | 0 | 0 | $0 |
| Alvin C. Bowman | Director | Jan. 28, 2020 A | 1,550 | 0 | 0 | $0 |
| Allen C Drake | Director | Jan. 28, 2020 A | 550 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 35 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 |
|---|---|---|---|---|
| EBIT · Harbor ETF Trust | 0.11% | 441 NS | April 30, 2026 | N-PORT |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.03% | 325,277 NS | May 31, 2026 | N-PORT |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.03% | 26,947 NS | May 31, 2026 | N-PORT |
| DFAS · Dimensional ETF Trust | 0.01% | 70,318 NS | April 30, 2026 | N-PORT |
| RSSL · Global X Funds | 0.01% | 5,009 NS | April 30, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 43,826 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 539 NS | May 31, 2026 | N-PORT |
| SCHA · SCHWAB STRATEGIC TRUST | 0.01% | 55,823 NS | May 31, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 421 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 426 NS | May 31, 2026 | N-PORT |
| FNCL · FIDELITY COVINGTON TRUST | 0.00% | 2,824 NS | April 30, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.00% | 9,080 NS | April 30, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 666 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 2,558 NS | April 30, 2026 | N-PORT |
| MSSM · MORGAN STANLEY PATHWAY FUNDS | 0.00% | 616 NS | May 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,590 NS | April 30, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 11 NS | May 31, 2026 | N-PORT |
| AVUS · AMERICAN CENTURY ETF TRUST | 0.00% | 4,721 NS | May 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 3,452 NS | April 30, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 9,194 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 2,774 NS | April 30, 2026 | N-PORT |
| SCHB · SCHWAB STRATEGIC TRUST | 0.00% | 6,770 NS | May 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 8 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | — | — | July 15, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | — | — | July 15, 2026 | Daily |
| IWV · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWN · iShares Trust | — | — | Aug. 17, 2026 | Daily |
| IWM · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| IWC · iShares Trust | — | — | Aug. 18, 2026 | Daily |
| PRFZ · Invesco Exchange-Traded Fund Trust | — | — | July 13, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | — | — | July 13, 2026 | Daily |
| WSML · iShares Trust | — | — | July 20, 2026 | Daily |