HBT · HBT Financial, Inc.
$35.75
+0.29 (+0.82%)
At close · Aug 21
Market Cap
$1.29B
Shares
36.37M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$35.75
Open$35.65
Day$35.21–35.92
52W close$22.88–37.22
Avg vol 30d145K
Short int751K · 2.1% float · 5.0d
Short vol85%
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 15.1 · calm
Equity put/call 0.51
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+25%
above
Price vs 50-day avg
+7%
above
RSI (14)
56
neutral
MACD trend
Negative
52-week position
90%
near high
Momentum
relative strength
1-month return
+7%
trailing
6-month return
+30%
trailing
YTD return
+38%
this year
Relative strength
+18%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $34 › 200d $29 — 50d above 200d
Institutional flow
Distributing
-1% 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
128 holders — near 3-yr high, broad support
Squeeze score
69
elevated · 0–100
Fundamentals
EPS growth
+8%
Y/Y
Valuation
P/E 15.2
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
2.4%
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 Jul 27, 2026
Noninterest expense
· for the remainder of 2026
$41M – $43M
Prior guidance
period ended
· from the 8-K filed Oct 20, 2025
Noninterest expense (excluding acquisition expenses)
· 4Q25
$31M – $33M
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
+25%
Bullish
Price vs 50-day avg
+7%
Bullish
RSI (14)
56
Neutral
MACD trend
Negative
Bearish
52-week position
90%
Bullish
Market signals — smart money & positioning
Bearish · 2 of 6
Trend (MA cross)
No cross
50d $34 › 200d $29 — 50d above 200d
Institutional flow
Distributing
-1% 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
128 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $23
Now $36 · 90%
Range high $37
vs 200-day avg +25%
vs 50-day avg +7%
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 |
|---|---|---|---|
| Net interest income (tax-equivalent basis) non-GAAP | $69.91M | Three Months Ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net interest income 69.06M
+851K Tax-equivalent adjustment
= Net interest income (tax-equivalent basis) 69.91M
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| 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 | — |
| ACL / Loans | 1.27% | as of June 30, 2026 | — |
| ACL on unfunded lending-related commitments | $6.6M | as of June 30, 2026 | — |
| Adjusted diluted earnings per share non-GAAP | $0.78 | second quarter of 2026 | — |
| Adjusted efficiency ratio (tax-equivalent basis) non-GAAP | 49.33% | Q2 2026 | — |
| Adjusted net income non-GAAP | 51.15M | Six Months Ended June 30, 2026 | — |
| Adjusted pre-provision net revenue non-GAAP | 39.41M | Q2 2026 | — |
| Adjusted pre-provision net revenue less net charge-offs non-GAAP | 39.51M | Q2 2026 | — |
| Adjusted ROAA non-GAAP | 1.7% | second quarter of 2026 | — |
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| Adjusted ROAE non-GAAP | 15.09% | second quarter of 2026 | — |
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| Adjusted ROATCE non-GAAP | 18.13% | second quarter of 2026 | — |
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| Assets under management or administration | $2.9B | as of June 30, 2026 | — |
| Average interest-earning assets | 6.41B | Q2 2026 | — |
| Book value per share | $21.03 | June 30, 2026 | — |
| Common equity tier 1 capital ratio | 12.64% | as of June 30, 2026 | — |
| Core deposits non-GAAP | 93.5% | Q2 2026 | — |
| Core deposits to total deposits | 93.5% | as of June 30, 2026 | — |
| Cost of Deposits | 0.41% | 1Q26 | — |
| Cost of funds | 1.32% | Q2 2026 | — |
| Efficiency ratio | 62.43% | Six Months Ended June 30, 2026 | — |
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| Efficiency ratio (tax-equivalent basis) non-GAAP | 50.14% | Q2 2026 | — |
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| Farm management services acres managed | 92,000 | as of June 30, 2026 | — |
| Full-service branches | 83 | as of June 30, 2026 | — |
| NCOs / loans | 0.03% | 1H26 | — |
| Net charge-offs (recoveries) to average loans | -0.01% | Q2 2026 | — |
| Net charge-offs to average loans (annualized) | 0.01% | Q2 2026 | — |
| Net charge-offs to loans | 0.03% | 1H26 | — |
| Net interest margin | 4.27% | Six Months Ended June 30, 2026 | — |
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| Net interest margin (tax-equivalent basis) non-GAAP | 4.38% | second quarter of 2026 | — |
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| Net recoveries | $0.1M | second quarter of 2026 | — |
| Net recoveries to average loans | 0.01% | second quarter of 2026 | — |
| NIM (FTE) non-GAAP | 4.32% | 1H26 | — |
| Nonperforming assets | $9.9M | second quarter of 2026 | — |
| Nonperforming assets to total assets | 0.15% | second quarter of 2026 | — |
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| Nonperforming loans to loans, before allowance for credit losses | 0.19% | June 30, 2026 | — |
| NPLs / loans | 0.19% | 2Q26 | — |
| Pre-provision net revenue | 53.35M | Six Months Ended June 30, 2026 | — |
| Pre-provision net revenue less net charge-offs | 38.55M | Q2 2026 | — |
| Remaining under the stock repurchase program | $14M | June 30, 2026 | — |
| Return on average assets ("ROAA") | 1.66% | second quarter of 2026 | — |
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| Return on average stockholders' equity ("ROAE") | 14.73% | second quarter of 2026 | — |
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| Return on average tangible common equity ("ROATCE") non-GAAP | 17.69% | second quarter of 2026 | — |
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| Shares of common stock outstanding | 36,365,612 | June 30, 2026 | — |
| Shares of common stock repurchased | 15,466 | second quarter of 2026 | — |
| Tangible book value per share non-GAAP | $17.6 | as of June 30, 2026 | — |
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| Tangible book value per share growth from June 30, 2025 non-GAAP | 9.9% | Q2 2026 | — |
| Tangible book value per share growth from March 31, 2026 non-GAAP | 3.5% | Q2 2026 | — |
| Tangible Common Equity to Tangible Assets non-GAAP | 9.69% | 2Q26 | — |
| Tier 1 capital to risk-weighted assets | 13.59% | as of June 30, 2026 | — |
| Tier 1 leverage ratio | 11.01% | as of June 30, 2026 | — |
| Total capital to risk-weighted assets | 16.2% | as of June 30, 2026 | — |
| Total cost of deposits | 1.2% | Q2 2026 | — |
| Total deposits | $5.76B | as of June 30, 2026 | — |
| Total Estimated Sources of Liquidity | $2.73B | As of 6/30/26 | — |
| Total loans outstanding, before allowance for credit losses | $4.75B | as of June 30, 2026 | — |
| Uninsured and uncollateralized deposits | $864M | Q2 2026 | — |
| Net charge-offs to average loans | 0.08% | Q1 2026 | — |
| Loan to deposit ratio | 79.28% | 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.
|
$1.29B | +38.3% | — | 15.2 | 2.1% |
|
MFG
Mizuho Financial Group Inc
|
$124.83B | +40.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.52B | -35.4% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | +0.4% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +19.4% | — | — | 0.1% |
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 | -3.9% | +7.4% | +30.0% | -0.3% | +38.3% |
| SPY | -1.4% | +3.6% | +11.6% | +2.5% | +12.3% |
| vs SPY | -2.5% | +3.8% | +18.4% | -2.8% | +26.0% |
Capital returns
Latest dividend
$0.25
/ share · ex Aug 11, 2026
Paid (TTM)
$0.92
/ share · 4 payouts
Dividend yield (TTM, derived)
2.57%
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.