HBT · HBT Financial, Inc.
$37.19
-0.03 (-0.08%)
At close · Aug 14
Market Cap
$1.35B
Shares
36.37M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$37.19
Open$37.24
Day$36.97–37.51
52W close$22.88–37.22
Avg vol 30d142K
Short int751K · 2.1% float · 5.0d
Short vol83%
Last earningsJul 27, 2020
DataJan 2020–Aug 2026
Filing10-Q · Aug 7
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 7, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Neutral
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 14.3 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+32%
above
Price vs 50-day avg
+13%
above
RSI (14)
75
overbought
MACD trend
Positive
52-week position
100%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+13%
trailing
6-month return
+36%
trailing
YTD return
+44%
this year
Relative strength
+23%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $33 › 200d $28 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +17 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.07% of float · ▲ +32.3% MoM · 5.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
127 holders — near 3-yr high, broad support
Squeeze score
72
high risk · 0–100
Fundamentals
EPS growth
+8%
Y/Y
Valuation
P/E 16
rich
Buyback
$14.0M
remaining
Balance sheet
$122.3M
net cash
Quant / Vol
risk profile
Volatility
26%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.2%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Latest guidance
· from the 8-K filed Jan 26, 2026
Noninterest expense
· per quarter
$32M – $34M
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+32%
Bullish
Price vs 50-day avg
+13%
Bullish
RSI (14)
75
Bearish
MACD trend
Positive
Bullish
52-week position
100%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $33 › 200d $28 — 50d above 200d
Institutional flow
Distributing
-2% holders QoQ · +17 funds added
Insider flow
Flat
No net insider activity over 90 days
Short interest
Rising
2.07% of float · ▲ +32.3% MoM · 5.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
127 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $23
Now $37 · 100%
Range high $37
vs 200-day avg +32%
vs 50-day avg +13%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted earnings per share - diluted non-GAAP | $0.78 | the three months ended June 30, 2026 filing | — |
| Adjusted efficiency ratio (tax-equivalent basis) non-GAAP | 49.33% | the three months ended June 30, 2026 filing | — |
| Adjusted net income non-GAAP | $28.54M | Three Months Ended June 30, 2026 filing | — |
| Adjusted pre-provision net revenue non-GAAP | $39.41M | Three Months Ended June 30, 2026 filing | — |
| Adjusted return on average assets non-GAAP | 1.7% | the three months ended June 30, 2026 filing | — |
|
|
|||
| Cost of funds | 1.32% | the three months ended June 30, 2026 filing | — |
| Cost of total deposits | 1.2% | the three months ended June 30, 2026 filing | — |
| Efficiency ratio | 50.67% | the three months ended June 30, 2026 filing | — |
|
|
|||
| Efficiency ratio (tax-equivalent basis) non-GAAP | 50.14% | the three months ended June 30, 2026 filing | — |
|
|
|||
| Net interest income (tax-equivalent basis) non-GAAP | $69.91M | Three Months Ended June 30, 2026 filing | — |
| Pre-provision net revenue non-GAAP | $38.45M | Three Months Ended June 30, 2026 filing | — |
| Yield on interest-earning assets | 5.55% | the three months ended June 30, 2026 filing | — |
| Yield on loans | 6.38% | the three months ended June 30, 2026 filing | — |
| Adjusted ROAE non-GAAP | 15.09% | Q2 2026 | — |
|
|
|||
| Adjusted ROATCE non-GAAP | 18.13% | Q2 2026 | — |
|
|
|||
| Allowance for credit losses to nonperforming loans | 666% | Q2 2026 | — |
| Allowance for credit losses to total loans | 1.27% | Q2 2026 | — |
| Common equity tier 1 capital ratio | 12.64% | Q2 2026 | — |
| Full-service branches | 83 | Q2 2026 | — |
| Net interest margin | 4.32% | Q2 2026 | — |
|
|
|||
| Net interest margin (tax-equivalent basis) non-GAAP | 4.38% | Q2 2026 | — |
|
|
|||
| Net recoveries to average loans | 0.01% | Q2 2026 | — |
| Nonperforming assets to total assets | 0.15% | Q2 2026 | — |
|
|
|||
| Return on average assets | 1.66% | Q2 2026 | — |
|
|
|||
| Return on average stockholders' equity | 14.73% | Q2 2026 | — |
|
|
|||
| Return on average tangible common equity | 17.69% | Q2 2026 | — |
|
|
|||
| Tangible common equity to tangible assets non-GAAP | 9.69% | Q2 2026 | — |
| Tier 1 capital to risk-weighted assets | 13.59% | Q2 2026 | — |
|
|
|||
| Tier 1 leverage ratio | 11.01% | Q2 2026 | — |
| Net charge-offs to average loans | 0.08% | Q1 2026 | — |
| Return on average tangible common equity ("ROATCE") non-GAAP | 7.87% | Q1 2026 | — |
| Tangible book value per share non-GAAP | $17.01 | Q1 2026 | — |
| Loan to deposit ratio | 79.28% | Q4 2025 | — |
| Total capital to risk-weighted assets | 16.82% | Q4 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
HBT
this stock
HBT Financial, Inc.
|
$1.35B | +43.9% | — | 16.0 | 2.1% |
|
MFG
Mizuho Financial Group Inc
|
$132.42B | +48.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$120.05B | -36.0% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$108.39B | -0.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$102.52B | +23.1% | +7.2% | 14.1 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| HBT | +2.3% | +13.5% | +36.3% | +3.8% | +43.9% |
| SPY | +0.4% | +4.5% | +13.8% | +3.9% | +13.9% |
| vs SPY | +1.9% | +9.0% | +22.6% | -0.2% | +30.0% |
Capital returns
Latest dividend
$0.25
/ share · ex Aug 11, 2026
Paid (TTM)
$0.92
/ share · 4 payouts
Dividend yield (TTM, derived)
2.47%
Buyback program
· as of Jun 30, 2026
Authorized
$30.00M
Spent (derived)
$16.00M
Remaining
$14.00M
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.