Stocks · Financial Services · Banks - Regional
HBT Financial, Inc. HBT
$36.34 +1.51% Close, Oct 2, 2026 · NASDAQ · Market cap $1.32B
High qualityStrong trend
Next earnings report: Oct 26, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The diluted share count rose 15.4% in a year.
- The shares trade at 15.6× trailing earnings, higher than 95% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 209 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 31%
- EPS growth (TTM, YoY)Bottom 27%
- FCF growth (TTM, YoY)Bottom 28%
- Revenue growth, 3-year CAGRTop 44%
- Revenue growth accelerationTop 11%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 20%
- Gross marginTop 13%
- Operating marginTop 25%
- Cash conversion (OCF / net income)Bottom 47%
- Accruals (lower is better)Bottom 41%
- Net debt / EBITDA (lower is better)Top 32%
- Interest coverTop 34%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 49%
- Free-cash-flow yieldBottom 38%
- EBITDA / enterprise valueTop 39%
- Sales / enterprise valueBottom 34%
- P/E vs own 5-year history (lower is better)Bottom 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 10%
- 6-month returnTop 9%
- 1-year return vs S&P 500Top 9%
- Distance from 52-week highTop 15%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 47%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyTop 47%
- Upside to consensus price targetBottom 20%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 45%
- Maximum drawdown, 3 yearsTop 25%
- Beta vs S&P 500 (lower is better)Bottom 36%
- Net debt / EBITDA (lower is better)Top 32%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.8% | 13.8% | ↑ |
| EPS growth (YoY) | -8.4% | -3.7% | ↑ |
| Gross margin | 78.4% | 80.6% | ↑ |
| Operating margin | 35.6% | 31.8% | ↓ |
| FCF margin | 27.8% | 22.8% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 13.8% | 4.8% | ↑ | Top 31% |
| EPS growth (TTM, YoY) | -3.7% | -8.4% | ↑ | Bottom 27% |
| Gross margin | 80.6% | 78.4% | ↑ | Top 13% |
| Operating margin | 31.8% | 35.6% | ↓ | Top 25% |
| Net margin | 23.5% | 26.4% | ↓ | — |
| Free-cash-flow margin | 22.8% | 27.8% | ↓ | — |
| Return on invested capital | 8.0% | — | Top 20% | |
| Revenue growth, 3-year CAGR | 16.2% | — | Top 44% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.12×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.1%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.3%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- +56.3 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.16×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.19%
- Net buyback yield (TTM)
- 1.34%
- Shareholder yield
- 3.54%
- Share count change, 1 year
- +15.4%
- Share count change, 3-year CAGR
- +4.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 6 of 8
- Average EPS surprise, last 4
- +5.2%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $38.00
- Target vs current price
- +4.6%
- Analysts with a rating
- 6
- Share rating Buy or Strong Buy
- 50%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +6.3% | +3.9% | +7.7% | +7.4% | — |
| Apr 27, 2026 | +9.7% | -1.3% | -0.4% | +0.7% | +15.0% |
| Jan 26, 2026 | +0.0% | -2.9% | -2.1% | -1.1% | +1.2% |
| Oct 20, 2025 | +4.8% | +4.2% | +6.0% | +1.0% | +13.0% |
| Jul 21, 2025 | +5.0% | +4.1% | +1.5% | -1.3% | -6.3% |
| Apr 21, 2025 | +7.0% | +1.5% | +6.4% | +10.5% | +16.2% |
| Jan 22, 2025 | +6.9% | -0.0% | +7.6% | +12.4% | -1.8% |
| Oct 21, 2024 | +0.0% | -5.7% | -6.5% | +6.4% | -3.4% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.78 | $0.73 | +6.3% | $80.9M |
| Apr 27, 2026 | $0.68 | $0.62 | +9.7% | $67.3M |
| Jan 26, 2026 | $0.64 | $0.64 | +0.0% | $60.4M |
| Oct 20, 2025 | $0.65 | $0.62 | +4.8% | $59.6M |
| Jul 21, 2025 | $0.63 | $0.60 | +5.0% | $58.8M |
| Apr 21, 2025 | $0.61 | $0.57 | +7.0% | $57.6M |
| Jan 22, 2025 | $0.62 | $0.58 | +6.9% | $58.4M |
| Oct 21, 2024 | $0.57 | $0.57 | +0.0% | $56.3M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 15.6× | 9.8× | 95th | Bottom 49% |
| P/E (forward) | 12.0× | — | — | — |
| EV / EBITDA | 12.2× | — | — | Top 39% |
| EV / Sales | 4.04× | — | — | Bottom 34% |
| Free-cash-flow yield | 5.73% | — | — | Bottom 38% |
| Earnings yield | 6.41% | — | — | Bottom 49% |
P/E over the past five years
Range 8.4× – 15.6× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +45.5%
- Earnings per share growth (TTM)
- -3.7%
- Change in P/E multiple
- +57.1%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 1
- Days above the 200-day average
- 209
- 50-day average slope (20 days)
- +4.4%
- 200-day average slope (20 days)
- +4.0%
- Distance from 50-day average
- +1.0%
- Distance from 200-day average
- +20.1%
- RSI (14)
- 55.9
- Relative volume
- 0.82×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 21.5%
- Volatility vs own 5-year history
- 4th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.82
- Correlation with S&P 500
- 0.49
- Current drawdown from 1-year high
- -2.4%
- Maximum drawdown, 3 years
- -18.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Mar 6, 2023 | May 9, 2023 | -27.8% | 45 days | 297 days (Jul 16, 2024) |
| May 17, 2021 | Sep 17, 2021 | -23.1% | 86 days | 34 days (Nov 4, 2021) |
| Feb 6, 2025 | Apr 7, 2025 | -18.7% | 41 days | 58 days (Jul 1, 2025) |
| Feb 8, 2022 | May 19, 2022 | -18.1% | 70 days | 112 days (Oct 28, 2022) |
| Jul 23, 2024 | Aug 12, 2024 | -17.2% | 14 days | 61 days (Nov 6, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $1.32B
- P/E (TTM)
- 15.6
- EPS, diluted (TTM)
- $2.33
- Revenue (TTM)
- $331.4M
- Dividend yield
- 2.53%
- 52-week range
- $22.36 – $37.51
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $164.2M | $186.7M | $263.6M | $285.2M | $293.3M |
| Gross profit | $166.5M | $180.2M | $218.1M | $219.3M | $234.7M |
| Operating income | $76.6M | $76.2M | $88.6M | $97.4M | $104.5M |
| Net income | $56.3M | $56.5M | $65.8M | $71.8M | $77.0M |
| EPS (diluted) | $2.02 | $2.09 | $2.07 | $2.26 | $2.44 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $72.3M | $73.8M | $72.1M | $73.1M | $73.9M | $74.3M | $82.7M | $100.4M |
| Net income | $18.2M | $20.3M | $19.1M | $19.2M | $19.8M | $18.9M | $11.2M | $27.8M |
| EPS (diluted) | $0.57 | $0.64 | $0.60 | $0.61 | $0.63 | $0.60 | $0.34 | $0.76 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $43.1M | $72.6M | $65.8M | $89.4M | $85.1M |
| Capital expenditure | -$1.0M | -$1.0M | -$3.1M | -$5.5M | -$10.2M |
| Free cash flow | $42.1M | $71.5M | $62.7M | $83.9M | $74.8M |
| Dividends paid | -$16.8M | -$18.6M | -$21.9M | -$24.2M | -$26.6M |
| Net share buybacks | -$4.9M | -$4.8M | -$8.9M | -$4.4M | -$4.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.67B
- Total assets
- $6.73B
- Total liabilities
- $5.96B
- Total debt
- $149.3M
- Net debt
- $17.1M
- Shareholders’ equity
- $764.7M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 11, 2026 | $0.25 | Aug 18, 2026 |
| May 12, 2026 | $0.23 | May 19, 2026 |
| Feb 9, 2026 | $0.23 | Feb 17, 2026 |
| Nov 3, 2025 | $0.21 | Nov 10, 2025 |
| Aug 5, 2025 | $0.21 | Aug 12, 2025 |
| May 6, 2025 | $0.21 | May 13, 2025 |
| Feb 4, 2025 | $0.21 | Feb 11, 2025 |
| Nov 4, 2024 | $0.19 | Nov 12, 2024 |
Short interest
- Shares sold short
- 1,011,110
- Days to cover
- 9.30
- Change vs previous report
- +3.9%
FINRA short interest, settlement date Sep 15, 2026.