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HBT Financial

NSQ:HBT · US4041111067
BanksX-Small

360

94
Profit price39
Cash yield77
Price/Sales46
EV / Gross Profit50
Price/Book17
Returns on capital48
Profit margins—
Cash Conversion50
Accruals83
Owner Earnings Margin37
Sales growth93
Profit Growth59
Owner Earnings Growth14
Reinvestment88
Price momentum39
Debt load64
Debt serviceability3
Liquidity91
Analyst ratings45
Opinion Changes50
Price Target Upside68
Market mood85
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

HBT Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGS
Founded1982
Websiteir.hbtfinancial.com
ISINUS4041111067
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
BankingFinancial Services

Description

HBT Financial, Inc. (‘HBT Financial’) operates as a bank holding company for Heartland Bank and Trust Company (‘Heartland Bank’ or the ‘bank’), which provides a comprehensive suite of financial products and services to consumers, businesses, and muni…

Analysis

Quality compounder

HBT Financial, Inc. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is fair. You pay 17.1× its owner earnings: the cash an owner could take out each year, which is in the historically fair zone.

The trajectory is solid and accelerating and the balance sheet is sturdy. The company scores 10/20 on our value-creation score: creating some value.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
81
2023202420252026

All-time high

92

Nov 2025

All-time low

29

Jan 2023

Average rank

69

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
46
37
42
46
Price/Earnings
71
57
74
82
Price/Book
17
9
3
26
Dividend Yield
77
58
51
61
Value (overall)
50
71
21
49

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →