Stocktoria

HBT Financial, Inc. HBT

Nasdaq · stock · State Commercial Banks · website · IPO 2019-10-11 · LEI

HBT Financial, Inc. statistics & valuation

Market cap$1.2B
P / E15.0×
P / B1.9×
Dividend yield2.30%
Return on equity12.5%
Graham number -10.3%$32.69

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value ($32.69); a green figure means the price is below it.

Profitability & efficiency

Gross margin (%)
20182019202020212022202320242025
Operating margin (%)
20182019202020212022202320242025
Return on equity (%)
18.70% 20.10% 10.10% 13.70% 15.10% 13.50% 13.20% 12.50% 20182019202020212022202320242025
Shares outstanding
18.0M 27.5M 27.5M 29.0M 28.9M 31.7M 31.7M 31.6M 20182019202020212022202320242025
Net debt ($)
20182019202020212022202320242025
Share buybacks ($)
20182019202020212022202320242025
Return on assets (%)
2.00% 2.10% 1.00% 1.30% 1.30% 1.30% 1.40% 1.50% 20182019202020212022202320242025
Free cash flow margin (%)
20182019202020212022202320242025
Debt / equity (×)
20182019202020212022202320242025
EPS ($)
$3.54 $3.33 $1.34 $2.02 $1.95 $2.07 $2.26 $2.44 20182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

HBT Financial, Inc. trades at about 14.9× earnings — above its 10-year norm (10-year range 5.8×–11.1×, median 10.8×).

5.8× 14.9×

Shaded band = 10-year range (5.8×–11.1×); dot = today's 14.9×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Return on assets1.5%1.4%1.3%1.3%1.3%1.0%2.1%2.0%
Return on equity12.5%13.2%13.5%15.1%13.7%10.1%20.1%18.7%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.