Tearsheet

HBT Financial (HBT)

Market Price (4/15/2026): $28.41 | Market Cap: $893.0 Mil
Sector: Financials | Industry: Regional Banks

HBT Financial (HBT)

Market Price (4/15/2026): $28.41
Market Cap: $893.0 Mil
Sector: Financials
Industry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Attractive yield
Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.5%, FCF Yield is 8.4%

Cash is significant % of market cap
Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -65%

Attractive cash flow generation
CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32%

Low stock price volatility
Vol 12M is 27%

Trading close to highs
Dist 52W High is -2.9%, Dist 3Y High is -2.9%

Weak multi-year price returns
3Y Excs Rtn is -2.7%

Key risks
HBT key risks include [1] heightened credit risk from its concentration in small to mid-sized business clients and [2] execution risks tied to its growth-through-acquisitions strategy, Show more.

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.6%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.5%, FCF Yield is 8.4%
1	Cash is significant % of market cap Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -65%
2	Attractive cash flow generation CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 36%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 32%
3	Low stock price volatility Vol 12M is 27%
4	Trading close to highs Dist 52W High is -2.9%, Dist 3Y High is -2.9%
5	Weak multi-year price returns 3Y Excs Rtn is -2.7%
6	Key risks HBT key risks include [1] heightened credit risk from its concentration in small to mid-sized business clients and [2] execution risks tied to its growth-through-acquisitions strategy, Show more.

Valuation, Metrics & Events

	4/15/26	2025	2024	2023	2022
Share Price CYE	$28.41	$22.41	$19.04	$19.72	$18.18
Market Cap CYE ($ Mil)	893.0	707.8	602.9	610.9	527.0
Total Debt ($ Mil)	65.2	99.6	105.0	167.3	77.1
Total Cash ($ Mil)	122.3	211.6	260.7	177.4	359.5
Enterprise Value ($ Mil)	836.0	807.4	707.9	778.2	604.1
Valuation Ratios
P/S TTM	3.8	3.1	2.7	3.2	3.3
P/EBIT TTM	-	-	-	-	-
P/E TTM	11.6	9.4	8.4	11.7	9.6
P/FCF TTM	11.9	8.1	9.0	8.5	9.3
Sector Ratios
P/S TTM (Sector)	3.2	2.9	2.7	2.4	3.3
P/EBIT TTM (Sector)	6.7	8.1	7.4	7.3	7.0
P/E TTM (Sector)	11.5	11.2	9.8	8.3	9.9
P/FCF TTM (Sector)	8.9	8.5	7.7	6.0	7.6

	4/15/26	2025	2024
Share Price CYE	$28.41	$22.41	$19.04
Market Cap CYE ($ Mil)	893.0	707.8	602.9
Total Debt ($ Mil)	65.2	99.6	105.0
Total Cash ($ Mil)	122.3	211.6	260.7
Enterprise Value ($ Mil)	836.0	807.4	707.9
Valuation Ratios
P/S TTM	3.8	3.1	2.7
P/EBIT TTM	-	-	-
P/E TTM	11.6	9.4	8.4
P/FCF TTM	11.9	8.1	9.0
Sector Ratios
P/S TTM (Sector)	3.2	2.9	2.7
P/EBIT TTM (Sector)	6.7	8.1	7.4
P/E TTM (Sector)	11.5	11.2	9.8
P/FCF TTM (Sector)	8.9	8.5	7.7

	HBT	S&P 500
REVENUE GROWTH	FAIR
Rev LTM ($ Bil)	0.2
Rev Chg Q	2.9%	7.5%
Rev Chg LTM	6.0%	6.8%
Rev Chg 3Y Avg	10.1%	5.7%
PROFITABILITY	VERY GOOD
Op Inc LTM ($ Bil)	�
CFO LTM ($ Bil)	0.1
Net Inc LTM ($ Bil)	0.1
CFO/Rev LTM	36.1%	20.6%
Net Inc Mgn	32.7%	12.8%
VALUATION	LOW
P/S	3.8	3.3
P/CFO	10.5	15.5
P/FCF	11.9	20.1
P/E	11.6	24.3

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Metric	Value	Date	Source
Nonperforming assets to total assets	0.17%	9302025	Link
Tangible book value per share	$16.64	9302025	Link
Number of full-service branches	66	10102025	Link
Number of full-time equivalent employees	844	12312024	Link
Post-merger expected total assets	approximately $6.9 billion	10202025	Link
Post-merger expected total loans	$4.7 billion	10202025	Link
Post-merger expected total deposits	$5.9 billion	10202025	Link
Post-merger expected number of branches	84	10212025	Link

Upcoming
4/20/2026	Earnings Release	Rev: $66 Mil (E) EPS: $0.62 (E)

Price Chart

Return (1M):

Why The Stock Moved

Qualitative Assessment

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HBT Financial (HBT) stock has gained about 10% since 12/31/2025 because of the following key factors:

1. HBT Financial reported strong fourth-quarter 2025 financial results on January 26, 2026, showcasing resilience and growth. The company announced an adjusted net income of $20.1 million, or $0.64 diluted earnings per share, aligning with analyst expectations. Key highlights included a 6.6% annualized increase in loans, stable deposits, and a significant 16.2% year-over-year rise in tangible book value per share to $17.20.

2. The successful completion of the CNB Bank Shares acquisition in early March 2026 significantly expanded HBT Financial's market presence and scale. This strategic merger created a combined entity with approximately $6.9 billion in total assets, $4.7 billion in loans, and $5.9 billion in deposits, enhancing HBT's footprint across Illinois, Eastern Iowa, and Missouri.

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Stock Movement Drivers

Fundamental Drivers

The 10.9% change in HBT stock from 12/31/2025 to 4/14/2026 was primarily driven by a 12.7% change in the company's P/E Multiple.

(LTM values as of)	12312025	4142026	Change
Stock Price ($)	25.65	28.45	10.9%
Change Contribution By:
Total Revenues ($ Mil)	234	236	0.7%
Net Income Margin (%)	33.5%	32.7%	-2.4%
P/E Multiple	10.3	11.6	12.7%
Shares Outstanding (Mil)	31	31	0.2%
Cumulative Contribution			10.9%

LTM = Last Twelve Months as of date shown

Market Drivers

12/31/2025 to 4/14/2026

	Return	Correlation
HBT	10.9%
Market (SPY)	-5.4%	24.7%
Sector (XLF)	-5.5%	46.3%

Fundamental Drivers

The 14.8% change in HBT stock from 9/30/2025 to 4/14/2026 was primarily driven by a 14.1% change in the company's P/E Multiple.

(LTM values as of)	9302025	4142026	Change
Stock Price ($)	24.79	28.45	14.8%
Change Contribution By:
Total Revenues ($ Mil)	230	236	2.3%
Net Income Margin (%)	33.3%	32.7%	-1.9%
P/E Multiple	10.2	11.6	14.1%
Shares Outstanding (Mil)	32	31	0.2%
Cumulative Contribution			14.8%

LTM = Last Twelve Months as of date shown

Market Drivers

9/30/2025 to 4/14/2026

	Return	Correlation
HBT	14.8%
Market (SPY)	-2.9%	25.2%
Sector (XLF)	-3.5%	51.9%

Fundamental Drivers

The 31.3% change in HBT stock from 3/31/2025 to 4/14/2026 was primarily driven by a 21.9% change in the company's P/E Multiple.

(LTM values as of)	3312025	4142026	Change
Stock Price ($)	21.66	28.45	31.3%
Change Contribution By:
Total Revenues ($ Mil)	222	236	6.0%
Net Income Margin (%)	32.3%	32.7%	1.2%
P/E Multiple	9.5	11.6	21.9%
Shares Outstanding (Mil)	32	31	0.4%
Cumulative Contribution			31.3%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2025 to 4/14/2026

	Return	Correlation
HBT	31.3%
Market (SPY)	16.3%	42.9%
Sector (XLF)	5.0%	56.4%

Fundamental Drivers

The 60.7% change in HBT stock from 3/31/2023 to 4/14/2026 was primarily driven by a 31.3% change in the company's Total Revenues ($ Mil).

(LTM values as of)	3312023	4142026	Change
Stock Price ($)	17.70	28.45	60.7%
Change Contribution By:
Total Revenues ($ Mil)	180	236	31.3%
Net Income Margin (%)	31.4%	32.7%	3.9%
P/E Multiple	9.0	11.6	28.8%
Shares Outstanding (Mil)	29	31	-8.5%
Cumulative Contribution			60.7%

LTM = Last Twelve Months as of date shown

Market Drivers

3/31/2023 to 4/14/2026

	Return	Correlation
HBT	60.7%
Market (SPY)	63.3%	39.2%
Sector (XLF)	68.2%	57.1%

Return vs. Risk

Price Returns Compared

	2021	2022	2023	2024	2025	2026	Total [1]
Returns
HBT Return	28%	8%	12%	8%	22%	10%	124%
Peers Return	29%	1%	-1%	21%	5%	6%	72%
S&P 500 Return	27%	-19%	24%	23%	16%	-0%	81%
Monthly Win Rates [3]
HBT Win Rate	67%	50%	58%	33%	67%	75%
Peers Win Rate	68%	47%	45%	52%	50%	55%
S&P 500 Win Rate	75%	42%	67%	75%	67%	50%
Max Drawdowns [4]
HBT Max Drawdown	-3%	-12%	-13%	-13%	-5%	-1%
Peers Max Drawdown	-2%	-16%	-32%	-7%	-19%	-5%
S&P 500 Max Drawdown	-1%	-25%	-1%	-2%	-15%	-7%

[1] Cumulative total returns since the beginning of 2021
[2] Peers: WTFC, ONB, CBSH, ASB, BUSE.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 4/14/2026 (YTD)

How Low Can It Go

Unique Key	Event	HBT	S&P 500
2022 Inflation Shock	2022 Inflation Shock
2022 Inflation Shock% Loss	% Loss	-27.8%	-25.4%
2022 Inflation Shock% Gain to Breakeven	% Gain to Breakeven	38.5%	34.1%
2022 Inflation ShockTime to Breakeven	Time to Breakeven	434 days	464 days
2020 Covid Pandemic	2020 Covid Pandemic
2020 Covid Pandemic% Loss	% Loss	-54.3%	-33.9%
2020 Covid Pandemic% Gain to Breakeven	% Gain to Breakeven	118.9%	51.3%
2020 Covid PandemicTime to Breakeven	Time to Breakeven	949 days	148 days

Compare to WTFC, ONB, CBSH, ASB, BUSE

In The Past

HBT Financial's stock fell -27.8% during the 2022 Inflation Shock from a high on 3/6/2023. A -27.8% loss requires a 38.5% gain to breakeven.

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Asset Allocation

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About HBT Financial (HBT)

Business Description Analogies Products Customers Suppliers Management Key Risks Emerging Threats Market Size Revenue Drivers Capital Allocation

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.

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A full-service regional bank, much like a smaller-scale Wells Fargo, but focused on Illinois and Iowa.
A comprehensive community and regional bank, similar to a local U.S. Bancorp, offering everything from personal banking to wealth management and specialized agricultural services.
Like a regional version of PNC Financial Services, providing a complete range of consumer, commercial, and wealth management solutions across its Illinois and Iowa footprint.

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Deposit Accounts: Offers various deposit accounts including checking, savings, money market, certificates of deposit, health savings accounts, and individual retirement accounts.
Lending Services: Provides a diverse range of loans such as commercial real estate, commercial and industrial, agricultural, one-to-four family residential, municipal, and consumer loans.
Wealth Management Services: Delivers financial planning, investment management, trustee and custodial services, corporate retirement plan consulting, and retail brokerage services.
Agricultural Services: Offers specialized services including farmland management, farmland sales, and crop insurance.
Treasury Management Services: Provides solutions to businesses for managing cash flow and optimizing financial operations.
Residential Mortgage Origination and Sale: Originates and sells residential mortgage loans to individuals.
Digital Banking Services: Provides online and mobile banking, digital payment solutions, and personal financial management tools.

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HBT Financial, Inc. primarily serves a diverse range of customers rather than a few major corporate clients. Based on its operations as a bank holding company, its major customer categories are:

Individuals: This category includes consumers who utilize retail banking products and services such as deposit accounts (noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, individual retirement accounts), one-to-four family residential loans, consumer loans, residential mortgage loans, and wealth management services (financial planning, trustee and custodial, investment management, retail brokerage).
Businesses: HBT Financial serves various types of businesses, including those requiring owner and non-owner occupied commercial real estate loans, construction and land development and multi-family loans, commercial and industrial loans, and agricultural and farmland loans. It also provides treasury management services and corporate retirement plan consulting and administration.
Municipal Entities: The company offers banking products and services, including municipal loans, to local government bodies and other municipal entities.

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J. Lance Carter, President and Chief Executive Officer

J. Lance Carter is the President and Chief Executive Officer of HBT Financial and Heartland Bank. He joined the company in 2001, serving as Heartland Bank's Chief Credit Officer from March 2010 to December 2018, and was named Chief Operating Officer of Heartland Bank in June 2015. His responsibilities encompass oversight of loan approval, loan operations, special assets, finance, risk management, and retail. Prior to his current role, he was President and Chief Operating Officer of Heartland BancCorp from 2019 to 2023, before the company changed its name to HBT Financial, Inc. Mr. Carter holds a BS in Finance and an MBA from the University of Illinois and completed the Graduate School of Banking at University of Wisconsin—Madison.

Peter R. Chapman, Executive Vice President and Chief Financial Officer

Peter R. Chapman serves as the Executive Vice President and Chief Financial Officer of HBT Financial and Heartland Bank, having joined in 2022. Before his tenure at HBT Financial, Mr. Chapman was the Executive Vice President and Chief Financial Officer of Great Western Bancorp, Inc., a regional bank holding company, from November 2012 until its merger with First Interstate BancSystem, Inc. in February 2022. In this role, he also oversaw IT, Operations, Product Management, Credit Card, and Mortgage businesses. Earlier in his career, he held several senior operational and financial positions at National Australia Bank and was a Senior Manager in the financial services practice of Ernst & Young in Australia and New York. Mr. Chapman is a Chartered Accountant and earned a Bachelor of Accounting degree from Royal Melbourne Institute of Technology.

Fred L. Drake, Executive Chairman

Fred L. Drake is the Executive Chairman of HBT Financial. He has also served as Chairman and CEO of the company and Chairman of Heartland Bank and Lincoln Bank.

Lawrence J. Horvath, Executive Vice President and Chief Lending Officer

Lawrence J. Horvath is the Executive Vice President and Chief Lending Officer of HBT Financial and Heartland Bank. He joined Heartland Bank in 2010 and possesses 37 years of banking experience, including commercial lending, credit review, mergers and acquisitions, and market leadership. He has also served as President and CEO of a community bank in Bloomington, Illinois.

Diane H. Lanier, Executive Vice President and Chief Retail Officer

Diane H. Lanier holds the position of Executive Vice President and Chief Retail Officer for HBT Financial and Heartland Bank.

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The key risks to HBT Financial, Inc. (HBT) are primarily concentrated in its lending activities, sensitivity to interest rate fluctuations, and the highly regulated nature of the banking industry.

Credit Risk and Regional Economic Downturn: HBT Financial is significantly exposed to credit risk due to its extensive loan portfolio, which includes substantial commercial real estate (CRE), agricultural, and residential loans. Given its geographic concentration in Central and Northeastern Illinois and Eastern Iowa, the company's profitability and asset quality are highly susceptible to adverse economic conditions in these specific regions. A downturn in local economies, declines in agricultural commodity prices, or a weakening regional real estate market could lead to increased loan defaults, higher loan loss provisions, and reduced profitability. The recent acquisition of CNB Bank Shares, Inc., for example, is expected to increase the concentration of farm loans in HBT's portfolio, further tying its performance to the agricultural sector.
Interest Rate Risk: As a bank, HBT Financial's financial performance is highly sensitive to changes in interest rates. Fluctuations in interest rates can significantly impact the company's net interest income, which is the difference between interest earned on assets (like loans) and interest paid on liabilities (like deposits). Rapid or unexpected shifts in monetary policy by the Federal Reserve, or changes in market rates, can cause the cost of funding (deposits) to reprice faster or to a greater extent than the yields on its interest-earning assets, thereby compressing net interest margins and affecting the value of its financial instruments.
Regulatory and Compliance Risk: The banking industry is subject to extensive and evolving federal and state regulations, which inherently expose HBT Financial to significant regulatory and compliance risk. Changes in banking laws, regulations, or supervisory policies could increase the company's operating and compliance costs, restrict its business activities, or necessitate higher capital requirements. Failure to comply with these complex regulations could result in penalties, reputational damage, and limitations on its operations.

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The primary clear emerging threat to HBT Financial is the accelerating rise of digital-first challenger banks (neobanks) and specialized financial technology (fintech) platforms. These competitors offer significantly lower operating costs, highly convenient user experiences via mobile and online channels, and can deliver competitive rates and services across various banking products (deposits, payments, consumer loans, business loans, wealth management, and mortgages) without the overhead of physical branch networks. This trend directly challenges HBT's traditional branch-based model by making physical locations less relevant for an increasing segment of the population, potentially eroding HBT's customer base and net interest margins.

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HBT Financial, Inc. (HBT) is expected to drive future revenue growth over the next 2-3 years through several key strategies:

Strategic Acquisitions and Integration: The recent completion of the merger with CNB Bank Shares, Inc. on March 2, 2026, is a significant driver. CNB Bank Shares, Inc. held $1.8 billion in assets, $1.3 billion in loans, and $1.5 billion in deposits as of December 31, 2025, which is anticipated to materially expand HBT Financial's balance sheet and revenue base.
Organic Loan Growth: HBT Financial has demonstrated consistent loan growth, with total loans increasing by $56.2 million (6.6% annualized) in the fourth quarter of 2025 and reaching $3.40 billion in the third quarter of 2025. This focus on expanding its loan portfolio across various segments, including commercial real estate, commercial and industrial, and residential, is a fundamental driver of net interest income.
Expansion of Branch Network and Market Reach: The company has expanded its operational footprint beyond its traditional Central and Northeastern Illinois and Eastern Iowa markets to include suburban St. Louis, now operating through 83 full-service branches. This geographical expansion, partly fueled by acquisitions, allows HBT Financial to reach new customers and grow its deposit and loan base, thereby increasing revenue.
Growth in Wealth Management Services: HBT Financial offers a comprehensive suite of wealth management services, including financial planning, investment management, and corporate retirement plan consulting. The increase in wealth management customer reciprocal deposits, as noted in the fourth quarter of 2024, indicates a growing contribution from this segment to the company's funding and non-interest income.

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Share Repurchases

HBT Financial's Board of Directors authorized a new stock repurchase program on December 18, 2025, allowing for the repurchase of up to $30 million of its common stock, effective January 1, 2026, until January 1, 2027.
In 2024, HBT Financial repurchased 232,803 shares of its common stock at a weighted average price of $18.89.
During the third quarter of 2025, the company repurchased 39,631 shares of its common stock at a weighted average price of $25.36.

Share Issuance

As part of the acquisition of CNB Bank Shares, Inc., which closed on March 1, 2026, HBT Financial issued 5.5 million shares of its common stock.
On March 11, 2026, HBT Financial issued $85 million in aggregate principal amount of 5.75% Fixed-to-Floating Rate Subordinated Notes due 2036 in a private placement, intended to qualify as Tier 2 regulatory capital.

Outbound Investments

HBT Financial completed the acquisition of Town and Country Financial Corporation in 2023, which added $937.2 million of assets.
The company closed the acquisition of CNB Bank Shares, Inc. on March 1, 2026, for a total consideration of 5.5 million HBT shares plus $34 million in cash, valued at approximately $182 million, adding $1.8 billion in assets.
HBT Financial is focused on disciplined growth through strategic acquisitions to enhance market presence and improve operational efficiencies.

Capital Expenditures

Over the last 12 months (as of March 13, 2026), HBT Financial reported capital expenditures of -$10.31 million.
The company is committed to investing in technological improvements.

Interactive Breakdown

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Better Bets vs. HBT Financial (HBT)

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Latest Trefis Analyses

	Title	Date
0	DASHBOARDS
1	Is HBT Financial Stock Built to Withstand a Pullback?	10/17/2025
2	HBT Financial (HBT) Operating Cash Flow Comparison	02/17/2025
3	HBT Financial (HBT) Net Income Comparison	02/15/2025

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0	ARTICLES

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HBAN_3312026_Insider_Buying_45D_2Buy_200K	03312026	HBAN	Huntington Bancshares	Insider	Insider Buys 45DStrong Insider Buying Companies with multiple insider buys in the last 45 days	0.0%	0.0%	0.0%
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MKTX_3202026_Dip_Buyer_FCFYield	03202026	MKTX	MarketAxess	Dip Buy	DB \| FCFY OPMDip Buy with High FCF Yield and High Margin Buying dips for companies with high FCF yield and meaningfully high operating margin	-5.2%	-5.2%	-5.7%
RYAN_3202026_Insider_Buying_GTE_1Mil_EBITp+DE_V2	03202026	RYAN	Ryan Specialty	Insider	Insider Buys \| Low D/EStrong Insider Buying Companies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap	-2.7%	-2.7%	-8.5%

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REPL	Replimune	0.2	-75.0%	-79.9%
FSLY	Fastly	3.2	-33.7%	105.8%
BETR	Better Home & Finance	0.5	-22.5%	6.7%
AKAM	Akamai Technologies	12.8	-22.0%	1.8%
TBN	Tamboran Resources	0.7	-21.8%	30.2%
VG	Venture Global	30.6	-21.8%	83.7%
SMPL	Simply Good Foods	1.1	-21.2%	-43.3%
OKTA	Okta	11.4	-19.2%	-25.9%
KOS	Kosmos Energy	1.2	-17.5%	175.5%
NET	Cloudflare	62.7	-17.4%	-9.4%

Top Gainers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
XLO	Xilio Therapeutics	0.6	1584.0%	-4.2%
CAR	Avis Budget	14.5	308.7%	220.7%
SATL	Satellogic	1.0	145.8%	290.4%
APLS	Apellis Pharmaceuticals	5.2	115.7%	62.6%
AEHR	Aehr Test Systems	2.2	108.5%	268.4%
KOD	Kodiak Sciences	2.4	94.4%	61.2%
AVNS	Avanos Medical	1.1	79.9%	119.3%
HTZ	Hertz Global	2.2	79.7%	36.0%
KODK	Eastman Kodak	1.2	77.8%	46.5%
CBIO	Crescent Biopharma	0.6	74.6%	64.6%

Top Losers

Ticker	Company	Mkt Cap (B)	1M Rtn	YTD Rtn
REPL	Replimune	0.2	-72.7%	-79.9%
VRDN	Viridian Therapeutics	1.4	-47.0%	-51.2%
MAZE	Maze Therapeutics	1.3	-44.9%	-33.2%
WVE	WAVE Life Sciences	1.3	-43.2%	-56.5%
BUR	Burford Capital	1.0	-40.5%	-47.2%
TE	T1 Energy	0.8	-36.2%	-27.2%
FRMI	Fermi	3.1	-33.7%	-34.0%
ADMA	ADMA Biologics	2.5	-30.8%	-42.5%
FIG	Figma	9.5	-29.2%	-50.7%
SAIL	SailPoint	6.2	-28.0%	-45.0%

Peer Comparisons

Peers to compare with:

Financials

	HBT	WTFC	ONB	CBSH	ASB	BUSE	Median
Name	HBT Fina.	Wintrust.	Old Nati.	Commerce.	Associat.	First Bu.
Mkt Price	28.45	145.51	23.44	50.68	27.52	26.80	27.98
Mkt Cap	0.9	9.7	9.1	7.0	4.5	2.4	5.8
Rev LTM	236	2,726	2,524	1,768	1,479	720	1,624
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	75	870	637	592	579	173	586
FCF 3Y Avg	74	735	569	508	499	170	503
CFO LTM	85	910	681	645	616	193	630
CFO 3Y Avg	80	792	607	571	546	181	558

Growth & Margins

	HBT	WTFC	ONB	CBSH	ASB	BUSE	Median
Name	HBT Fina.	Wintrust.	Old Nati.	Commerce.	Associat.	First Bu.
Rev Chg LTM	6.0%	11.2%	33.9%	6.3%	43.7%	55.7%	22.6%
Rev Chg 3Y Avg	10.1%	11.7%	14.3%	5.4%	8.8%	19.5%	10.9%
Rev Chg Q	2.9%	11.8%	41.0%	6.9%	530.3%	71.4%	26.4%
QoQ Delta Rev Chg LTM	0.7%	2.9%	8.6%	1.7%	28.3%	13.1%	5.7%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	36.1%	33.4%	27.0%	36.5%	41.6%	26.8%	34.7%
CFO/Rev 3Y Avg	35.1%	31.9%	29.4%	34.0%	46.1%	34.9%	34.4%
FCF/Rev LTM	31.7%	31.9%	25.2%	33.5%	39.2%	24.0%	31.8%
FCF/Rev 3Y Avg	32.4%	29.5%	27.6%	30.2%	42.0%	32.8%	31.3%

Valuation

	HBT	WTFC	ONB	CBSH	ASB	BUSE	Median
Name	HBT Fina.	Wintrust.	Old Nati.	Commerce.	Associat.	First Bu.
Mkt Cap	0.9	9.7	9.1	7.0	4.5	2.4	5.8
P/S	3.8	3.6	3.6	3.9	3.1	3.3	3.6
P/EBIT	-	-	-	-	-	-	-
P/E	11.6	11.8	13.6	12.3	9.6	17.5	12.1
P/CFO	10.5	10.7	13.4	10.8	7.4	12.3	10.8
Total Yield	8.6%	8.5%	7.4%	10.3%	13.9%	5.7%	8.5%
Dividend Yield	0.0%	0.0%	0.0%	2.2%	3.4%	0.0%	0.0%
FCF Yield 3Y Avg	10.2%	9.7%	8.6%	6.5%	13.2%	11.0%	10.0%
D/E	0.1	0.5	0.8	0.0	0.8	0.1	0.3
Net D/E	-0.6	-0.5	0.5	-1.8	-0.7	-0.9	-0.7

Returns

	HBT	WTFC	ONB	CBSH	ASB	BUSE	Median
Name	HBT Fina.	Wintrust.	Old Nati.	Commerce.	Associat.	First Bu.
1M Rtn	8.7%	11.8%	9.0%	6.4%	12.4%	8.6%	8.8%
3M Rtn	8.4%	2.0%	4.5%	-4.5%	6.8%	14.2%	5.6%
6M Rtn	18.3%	11.3%	9.3%	-8.7%	6.3%	15.2%	10.3%
12M Rtn	34.8%	46.4%	26.4%	-7.1%	46.5%	44.2%	39.5%
3Y Rtn	71.3%	112.4%	90.6%	7.4%	72.9%	59.3%	72.1%
1M Excs Rtn	3.7%	6.7%	3.9%	1.3%	7.4%	3.5%	3.8%
3M Excs Rtn	8.9%	1.8%	3.7%	-4.1%	6.9%	13.6%	5.3%
6M Excs Rtn	17.0%	10.5%	8.8%	-11.4%	7.2%	15.5%	9.6%
12M Excs Rtn	5.7%	19.6%	-1.0%	-35.7%	15.8%	10.9%	8.3%
3Y Excs Rtn	-2.7%	46.3%	15.1%	-64.6%	7.3%	-15.3%	2.3%

FDIC Bank Data

Bank Capital

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Bank Deposits

null

Bank Assets

null

Bank Loans

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FDA Approved Drugs Data

Expand for Morenull

Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2025	2024	2023	2022	2021	2020
Period End	12/31/2025	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020
Filing Date	3/6/2026	3/6/2026	3/7/2025	3/6/2024	3/8/2023	3/11/2022	3/12/2021
Key Financials
Total Revenue	236	236	222	226	180	158	150
Net Income	77	77	72	66	56	56	37
EPS	2.44	2.44	2.27	2.08	1.95	2.02	1.34
Growth Rates
Total Revenue Growth	6.0%	6.0%	-1.5%	25.7%	13.3%	5.4%	-8.3%
Net Income Growth	7.3%	7.3%	9.0%	16.6%	0.3%	52.7%	-44.9%
Margins
Net Income Margin	32.7%	32.7%	32.3%	29.2%	31.4%	35.5%	24.5%
Cash & Debt
Total Cash	644	644	836	901	958	1,352	1,235
Total Debt	65	65	106	105	237	77	77
Net Debt / (Cash)	-579	-579	-730	-796	-721	-1,275	-1,158
Cash Flows
Net Cash from Operations	85	85	89	66	73	43	31
Free Cash from Operations	75	75	84	63	72	42	29
Returns to Shareholders
Dividends	27	27	24	22	19	17	17
Share Repurchases	5	5	4	9	5	5	-0

$ Mil \| FY: 12/31	2025Q4	2025Q3	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1
Period End	12/31/2025	9/30/2025	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023
Filing Date	3/6/2026	10/31/2025	8/1/2025	5/2/2025	3/7/2025	10/30/2024	8/1/2024	5/1/2024	3/6/2024	11/3/2023	8/2/2023	5/3/2023
Key Financials Quarterly
Total Revenue	60	60	58	58	58	56	56	52	56	57	58	54
Net Income	19	20	19	19	20	18	18	15	18	20	18	9
EPS	0.60	0.63	0.61	0.60	0.64	0.58	0.57	0.48	0.58	0.62	0.58	0.30
Key Financials TTM
Total Revenue TTM	236	234	230	228	222	220	221	224	226	220	208	192
Net Income TTM	77	78	77	76	72	70	71	72	66	61	56	52
Growth Rates Quarterly
Total Revenue Growth	2.9%	6.4%	4.1%	11.1%	4.5%	-2.5%	-3.9%	-4.0%	12.2%	26.8%	37.0%	29.1%
Net Income Growth	-6.6%	8.7%	6.4%	25.0%	9.9%	-7.8%	-2.2%	65.7%	40.4%	26.2%	31.2%	-32.3%
Margins Quarterly
Net Income Margin	31.5%	33.2%	32.9%	33.1%	34.7%	32.5%	32.2%	29.4%	33.0%	34.3%	31.6%	17.1%
Cash & Debt
Total Cash	644	644	235	619	836	890	865	930	901	866	933	1,032
Total Debt	65	60	100	100	106	106	106	105	105	270	270	167
Net Debt / (Cash)	-579	-584	-136	-520	-730	-784	-759	-825	-796	-596	-663	-865
Cash Flows Quarterly
FCF from Operations	24	17	14	30	17	26	20	27	13	17	15	21
Cash Flows TTM
FCF from Operations TTM	85	78	87	93	89	85	76	71	66	76	78	73
Returns to Shareholders Quarterly
Dividends	7	7	7	7	6	6	6	6	5	5	5	6
Share Repurchases	1	1	3	-0	-0	-0	1	3	1	2	4	2
Return on Invested Capital (ROIC) Quarterly
ROIC	-	-	99.1%	-	-	-	-	-	-	-	-	-
Return on Invested Capital (ROIC) TTM
ROIC TTM	-	-	98.9%	-	-	-	-	-	-	-	-	-

Segment Financials

Revenue by Segment

$ Mil	2025	2024	2023	2022	2021
Single segment	222	226	180	158
Community Banking					150
Total	222	226	180	158	150

Price Behavior

Price Behavior

Market Price	$28.45
Market Cap ($ Bil)	0.9
First Trading Date	10/11/2019
Distance from 52W High	-2.9%
	50 Days	200 Days
DMA Price	$27.50	$25.65
DMA Trend	up	indeterminate
Distance from DMA	3.5%	10.9%
	3M	1YR
Volatility	28.3%	26.8%
Downside Capture	0.09	0.32
Upside Capture	87.45	82.92
Correlation (SPY)	24.7%	37.5%

HBT Betas & Captures as of 3/31/2026

	1M	2M	3M	6M	1Y	3Y
Beta	0.59	0.42	0.55	0.56	0.64	0.77
Up Beta	-0.25	0.06	1.30	1.02	0.67	0.83
Down Beta	0.35	-0.14	0.30	0.57	0.50	0.59
Up Capture	110%	89%	70%	53%	69%	60%
Bmk +ve Days	7	16	27	65	139	424
Stock +ve Days	11	22	31	65	126	366
Down Capture	56%	54%	39%	37%	75%	94%
Bmk -ve Days	12	23	33	58	110	323
Stock -ve Days	11	20	30	58	123	377

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Based On 1-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with HBT
HBT	38.1%	26.7%	1.18	-
Sector ETF (XLF)	14.0%	15.4%	0.65	56.1%
Equity (SPY)	24.2%	12.9%	1.49	38.0%
Gold (GLD)	53.4%	27.6%	1.55	-8.2%
Commodities (DBC)	26.8%	16.2%	1.47	-11.9%
Real Estate (VNQ)	18.7%	13.8%	1.00	39.8%
Bitcoin (BTCUSD)	-6.8%	42.9%	-0.05	22.2%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 5-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with HBT
HBT	14.7%	29.0%	0.50	-
Sector ETF (XLF)	10.0%	18.7%	0.42	53.3%
Equity (SPY)	11.1%	17.0%	0.50	39.7%
Gold (GLD)	22.5%	17.8%	1.03	-2.5%
Commodities (DBC)	11.7%	18.8%	0.51	4.5%
Real Estate (VNQ)	3.9%	18.8%	0.11	37.7%
Bitcoin (BTCUSD)	5.8%	56.5%	0.32	18.3%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Based On 10-Year Data

	Annualized Return	Annualized Volatility	Sharpe Ratio	Correlation with HBT
HBT	8.7%	35.6%	0.46	-
Sector ETF (XLF)	13.1%	22.2%	0.54	63.1%
Equity (SPY)	14.0%	17.9%	0.67	48.5%
Gold (GLD)	14.3%	15.9%	0.75	-3.3%
Commodities (DBC)	8.8%	17.6%	0.42	14.9%
Real Estate (VNQ)	5.4%	20.7%	0.23	49.7%
Bitcoin (BTCUSD)	67.7%	66.9%	1.07	19.7%

Smart multi-asset allocation framework can stack odds in your favor. Learn How

Short Interest

Short Interest: As Of Date	3312026
Short Interest: Shares Quantity	0.1 Mil
Short Interest: % Change Since 3152026	-11.6%
Average Daily Volume	0.1 Mil
Days-to-Cover Short Interest	2.2 days
Basic Shares Quantity	31.4 Mil
Short % of Basic Shares	0.5%

Returns Analyses

	Title
0	Is HBT Financial Stock Built to Withstand a Pullback?

Earnings Returns History

Expand for More

	Forward Returns
Earnings Date	1D Returns	5D Returns	21D Returns
1/26/2026	-2.9%	-2.1%	-0.4%
10/20/2025	4.2%	6.0%	-2.0%
7/21/2025	4.1%	1.5%	0.1%
4/21/2025	1.5%	6.4%	12.1%
1/22/2025	-0.0%	7.6%	13.9%
10/21/2024	-5.7%	-6.5%	6.7%
7/22/2024	2.4%	5.1%	-4.9%
4/22/2024	2.2%	2.0%	7.4%
...
SUMMARY STATS
# Positive	15	15	17
# Negative	9	9	7
Median Positive	2.0%	5.1%	8.5%
Median Negative	-0.9%	-4.0%	-4.4%
Max Positive	4.3%	10.9%	13.9%
Max Negative	-5.7%	-6.5%	-6.7%

	Forward Returns
1/26/2026	-2.9%	-2.1%	-0.4%
10/20/2025	4.2%	6.0%	-2.0%
7/21/2025	4.1%	1.5%	0.1%
4/21/2025	1.5%	6.4%	12.1%
1/22/2025	-0.0%	7.6%	13.9%
10/21/2024	-5.7%	-6.5%	6.7%
7/22/2024	2.4%	5.1%	-4.9%
4/22/2024	2.2%	2.0%	7.4%
1/24/2024	-0.9%	1.2%	-4.8%
10/23/2023	0.1%	0.1%	8.5%
7/24/2023	-1.9%	-1.0%	-3.9%
4/26/2023	2.0%	-3.3%	1.7%
1/25/2023	4.3%	7.0%	12.7%
10/24/2022	3.3%	10.9%	12.9%
7/25/2022	0.6%	7.9%	9.5%
4/25/2022	0.4%	-4.6%	-6.7%
1/27/2022	1.6%	5.8%	8.2%
10/25/2021	-0.5%	1.7%	8.5%
7/26/2021	-0.3%	-4.0%	-4.4%
4/26/2021	2.5%	4.8%	5.2%
1/28/2021	0.3%	0.1%	9.5%
10/26/2020	-0.3%	-4.4%	5.2%
7/27/2020	0.9%	-1.7%	2.8%
4/30/2020	-1.8%	-6.4%	11.9%
SUMMARY STATS
# Positive	15	15	17
# Negative	9	9	7
Median Positive	2.0%	5.1%	8.5%
Median Negative	-0.9%	-4.0%	-4.4%
Max Positive	4.3%	10.9%	13.9%
Max Negative	-5.7%	-6.5%	-6.7%

SEC Filings

Expand for More

Report Date	Filing Date	Filing
12/31/2025	03/06/2026	10-K
09/30/2025	10/31/2025	10-Q
06/30/2025	08/01/2025	10-Q
03/31/2025	05/02/2025	10-Q
12/31/2024	03/07/2025	10-K
09/30/2024	10/30/2024	10-Q
06/30/2024	08/01/2024	10-Q
03/31/2024	05/01/2024	10-Q
12/31/2023	03/06/2024	10-K
09/30/2023	11/03/2023	10-Q
06/30/2023	08/02/2023	10-Q
03/31/2023	05/03/2023	10-Q
12/31/2022	03/08/2023	10-K
09/30/2022	11/08/2022	10-Q
06/30/2022	08/03/2022	10-Q
03/31/2022	05/06/2022	10-Q

Recent Forward Guidance [BETA]

Latest: Q4 2025 Earnings Reported 1/26/2026

Forward Guidance				Guidance Change
Metric	Low	Mid	High	% Chg	% Delta	Change	Prior
2026 Share Repurchases		30.00 Mil		100.0%		Raised	Guidance: 15.00 Mil for 2026

Prior: Q3 2025 Earnings Reported 10/20/2025

Forward Guidance				Guidance Change
Metric	Low	Mid	High	% Chg	% Delta	Change	Prior
2026 Share Repurchases		15.00 Mil

Insider Activity

Expand for More

#	Owner	Title	Holding	Action	Filing Date	Price	Shares	Transacted Value	Value of Held Shares	Form
1	Drake, Fred L	Executive Chairman	the Fred L. Drake Revocable Trust	Sell	2202026	28.74	2,000	57,480	1,834,043	Form
2	Drake, Fred L	Executive Chairman	the Fred L. Drake Revocable Trust	Sell	2232026	28.60	2,258	64,579	1,760,530	Form
3	Burwell, Eric E		Eric E. Burwell Trust dated 12/21/2007	Buy	3112026	26.24	4,000	104,960	939,917	Form
4	Horvath, Lawrence J	EVP & Chief Lending Officer	Direct	Sell	3172026	26.60	5,000	133,000	1,558,999	Form
5	Busch, Patrick F		Patrick F Busch Declaration of Trust dated 5/6/14	Sell	3172026	26.48	15,000	397,200	4,621,925	Form

HBT Trade Sentinel

Stock Conviction

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CONVICTION RATIONALE

null

STOCK ARCHETYPE

null

INVESTMENT THESIS

null

Mechanism: null

Supporting Evidence:

PRIMARY RISK

null

Mechanism: null

Supporting Evidence:

Key KPI Watchlist

KPI	Threshold	Rationale

Core Investment Debate

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Next 6 months: Risks and Catalysts

Timeline	Event & Metric To Watch

Key Events in Last 6 Months

Date	Event	Stock Impact

Risk Management

Position Sizing

null

Diversification Alternatives

How Is The Market Pricing HBT?

What will confirm the thesis

What will damage the thesis

Noise: Real but irrelevant to thesis

Repricing Catalyst

What HBT Makes & Who Pays

TTM figures based on

HBT Evolution: Price Return by Era

① Structure

② Volume / Momentum

③ Catalyst

Combined Score

0 / 12

1 Price Structure & Trend · ▾

2 Momentum ▾

3 Relative Strength vs. SPY ▾

4 Institutional Footprint & Volume ▾

5 Volatility ▾

6 Key Price Levels Range · Vol ▾

7 Earnings Reaction History ▾

8 How the Verdict Is Derived Three Pillars ▾

Pillar	Score
① Structure	0
② Vol / Mom	0
③ Catalyst	0

ℹ Bull Pillars: 0 · Bear Pillars: 0 · Combined Score: 0 →

Industry Resources

Financials Resources

Federal Reserve Economic Data

External Quote Links

0	Y Finance	Barrons
1	TradingView	Morningstar
2	SeekingAlpha	ValueLine
3	Motley Fool	Robinhood
4	CNBC	Etrade
5	MarketWatch	Unusual Whales
6	YCharts	Perplexity Finance
7	FinViz

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HBT Financial (HBT)

Market Price (4/15/2026): $28.41 | Market Cap: $893.0 MilSector: Financials | Industry: Regional Banks

HBT Financial (HBT)

Market Price (4/15/2026): $28.41Market Cap: $893.0 MilSector: FinancialsIndustry: Regional Banks

Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

Valuation, Metrics & Events

Price Chart

Why The Stock Moved

Qualitative Assessment

Stock Movement Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Fundamental Drivers

Market Drivers

Return vs. Risk

Price Returns Compared

How Low Can It Go

In The Past

Preserve Wealth

Asset Allocation

About HBT Financial (HBT)

Share Repurchases

Share Issuance

Outbound Investments

Capital Expenditures

Interactive Breakdown

Better Bets vs. HBT Financial (HBT)

Latest Trefis Analyses

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Bank Loans

FDA Approved Drugs Data

Financials

Segment Financials

Price Behavior

Based On 1-Year Data

Based On 5-Year Data

Based On 10-Year Data

Short Interest

Returns Analyses

Earnings Returns History

SEC Filings

Recent Forward Guidance [BETA]

Insider Activity

HBT Trade Sentinel

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CONVICTION RATIONALE

STOCK ARCHETYPE

INVESTMENT THESIS

PRIMARY RISK

BULL VIEW

CORE TENSION

PREVAILING SENTIMENT

BEAR VIEW

Position Sizing

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Market Price (4/15/2026): $28.41 | Market Cap: $893.0 Mil
Sector: Financials | Industry: Regional Banks

Market Price (4/15/2026): $28.41
Market Cap: $893.0 Mil
Sector: Financials
Industry: Regional Banks