Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
HBT
BUYHBT Financial, Inc. · Financial Services · United States · $1.2B · Avg Vol: $8M/d
COMPANY DESCRIPTION
HBT Financial, Inc. operates as a bank holding company for Heartland Bank and Trust Company, providing comprehensive community banking services to individuals, businesses, and agricultural clients across central and northern Illinois. The company distinguishes itself through a relationship-based banking model, local decision-making, and deep market penetration, particularly among small businesses and the agricultural sector. HBT Financial's competitive advantage stems from its strong community ties and personalized service in a concentrated regional market.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | 179.5M | 225.7M | 222.4M | 235.7M | 9.5% | 244.0M | 308.0M | 327.8M | 17.9% |
| EPS | 2.02 | 2.09 | 2.08 | 2.27 | 2.44 | 4.8% | 2.19 | 2.85 | 2.99 | 10.7% |
| Shares | — | 28.8M | 31.7M | 31.6M | 31.4M | +9.3% | 36.4M | — | — | — |
| Debt | — | 237.2M | 104.9M | 105.6M | 65.2M | -35.0% | 157.3M | — | — | — |
| Equity | — | 373.6M | 489.5M | 544.6M | 615.5M | 18.1% | — | — | — | — |
| Op CF | — | 72.6M | 65.8M | 89.4M | 85.1M | 5.4% | 83.2M | — | — | — |
| Inv CF | — | -335.1M | 132.7M | 32.3M | -39.6M | — | — | — | — | — |
| Fin CF | — | -32.6M | -171.4M | -125.3M | -60.9M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of HBT are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| HBT | HBT Financial, Inc.(you) | $1.2B | 77 | BUY |
| PFBC | Preferred Bank | $1.2B | 79 | BUY |
| OSBC | Old Second Bancorp, Inc. | $1.2B | 75 | BUY |
| AMTB | Amerant Bancorp Inc. | $1.1B | 75 | BUY |
| MCBS | MetroCity Bankshares, Inc. | $1.0B | 74 | BUY |
| HAFC | Hanmi Financial Corporation | $943M | 78 | BUY |
| CPF | Central Pacific Financial Corp. | $997M | 80 | BUY |
| UVSP | Univest Financial Corporation | $1.2B | 84 | STRONG BUY |
| CAC | Camden National Corporation | $924M | 79 | BUY |
| AMAL | Amalgamated Financial Corp. | $1.5B | 74 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%