HBT Financial, Inc.
HBT scores 52.7 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.
Net penalties of -25.0 points significantly impact the ranking. Without these adjustments, HBT would rank considerably higher.
These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.
| Stock | Score | P/E | Rev Growth | Margin | Mkt Cap |
|---|---|---|---|---|---|
| HBT | 52.7 | 11.6 | 2.8% | 26.3% | $892M |
| CME | 86.4 | 27.2 | 9.9% | 57.5% | $112.1B |
| FHB | 84.9 | 11.8 | 3.2% | 24.2% | $3.2B |
| ACT | 84.4 | 8.9 | 2.4% | 54.6% | $6.1B |
| CINF | 84.2 | 10.7 | 11.4% | 18.9% | $25.8B |
| SEIC | 82.2 | 14.0 | 10.7% | 27.3% | $10.1B |
| TROW | 79.9 | 10.1 | 3.1% | 28.5% | $21.1B |
| QQQX | 79.7 | 10.4 | 48.6% | 257.3% | $1.4B |
| IBOC | 78.2 | 10.6 | 7.5% | 40.1% | $4.4B |
| HWC | 77.8 | 12.2 | -1.5% | 24.1% | $5.8B |
| FFIN | 77.4 | 18.8 | 11.7% | 30.7% | $4.8B |
| TRMK | 77.1 | 11.9 | 34.8% | 19.3% | $2.7B |
| NMIH | 77.0 | 7.7 | 8.4% | 55.1% | $3.1B |
| EWBC | 76.7 | 12.7 | 4.6% | 28.3% | $16.0B |
| WSFS | 76.3 | 12.8 | -3.1% | 21.1% | $3.6B |
| MCHB | 76.1 | N/A | 123.7% | 23.2% | $3.3B |
| Sector Average | 47.5 | 26.8 | 13.4% | -2.8% | โ |
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, farmland sales, and crop insurance services; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. It operates through 57 branch locations in Central and Northeastern Illinois and four locations in Eastern Iowa. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.
Stock is in an uptrend above the 200-day moving average. This is the stage where institutional accumulation typically occurs. The 50-day SMA provides support.
| Metric | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 |
|---|---|---|---|---|
| Revenue | $74M | $74M | $73M | $72M |
| Gross Profit | $60M | $59M | $58M | $57M |
| Operating Income | $26M | $27M | $26M | $26M |
| Net Income | $19M | $20M | $19M | $19M |
| EPS (Diluted) | $0.60 | $0.63 | $0.61 | $0.60 |
| Gross Margin | 81.4% | 79.8% | 79.8% | 79.2% |
| Operating Margin | 34.9% | 36.2% | 36.1% | 35.4% |
| Net Margin | 25.5% | 26.7% | 26.3% | 26.5% |
This stock has limited trading volume and/or float. Institutional investors may face difficulty entering or exiting positions without significant price impact. A post-hoc penalty has been applied to the composite score (this is not a backtested model factor โ it is a practical tradability overlay).
| Year | Low | High | Range | Status |
|---|---|---|---|---|
| 2021 | $14.19 | $19.44 | 31.2% | Moderate |
| 2022 | $16.09 | $22.48 | 33.1% | Moderate |
| 2023 | $16.33 | $23.49 | 36% | Wide |
| 2024 | $17.75 | $25.35 | 35.3% | Wide |
| 2025 | $19.46 | $27.85 | 35.5% | Wide |
Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.