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Central Illinois community bank (Heartland Bank and Trust) offering commercial, agricultural and retail banking.
Central Illinois community bank (Heartland Bank and Trust) offering commercial, agricultural and retail banking.
Earns mainly from the spread between interest on loans and what it pays on deposits, with a farm-loan book alongside business lending, plus a smaller stream of fees from wealth management and service charges. Growth has come by acquiring other Illinois community banks; it listed in 2019.
Moat: narrow (scale, distribution). Established Central Illinois branch franchise built through community-bank acquisitions.
Headquarters: Bloomington, Illinois, US · Founded: 1920 · Employees: 826
Size HBT Financial (HBT) is a United States Financials company (Regional Banks) with a market value of $1.35B, the 2066th largest of 3,117 United States companies the cockpit tracks. Shares closed at $37.00 on 6 Nov 2026.
Performance Over six months the shares gained 30.3%, against +7.6% for the median peer and -1.1% for the United States market (cap-weighted) — 2nd highest of 21 in its peer set.
Growth Revenue grew 23.2% over the last twelve months (peer median +2.7%); the operating margin is 41.4% (peer median 38.4%).
Valuation It trades at 1.78× book value against a peer median of 1.23× (2nd most expensive of 21).
Price implies The share price implies a return on equity of about 10.1%; HBT Financial delivers 13.2%, so the price asks less than the business earns today.
Short interest Short interest is 2.9% of the free float (15 Oct 2026).
Next results Next results expected around 27 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $362M | $294M | $287M | $265M | $188M |
| Revenue growth | — | +2% | +9% | +41% | — |
| Net income | $89.4M | $77.0M | $71.8M | $65.8M | $56.4M |
| Free cash flow | n/a | $73.0M | $81.5M | $61.3M | $65.8M |
| Capital expenditure | n/a | $10.2M | $5.51M | $3.13M | $1.05M |
| Total debt | $149M | $65.2M | $135M | $147M | $280M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| HBT Financial HBT | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% |
| First Busey BUSE | $2.33B | +8% | +17% | 10% | 1.03× | 8.8% |
| First Mid Bancshares FMBH | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% |
| Midland States Bancorp MSBI | $660M | +12% | -21% | 10% | 1.57× | 11.0% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | HBT | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +4.1% | -1.7% | 5th highest of 21 |
| 6-month return | +30.3% | +7.6% | 2nd highest of 21 |
| Return on equity | 13.2% | 11.9% | 8th highest of 21 |
| Price / book | 1.78× | 1.23× | 2nd most expensive of 21 |
| Trailing P/E | 14.4× | 10.8× | 2nd most expensive of 21 |
| ROE the price implies | 10.1% | 9.9% | 11th least demanding of 21 |
| ROE delivered | 13.2% | 11.8% | 8th highest of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| HBT Financial HBT | United States | $1.35B | +30% | +23% | 13% | 1.78× | 10.1% | 13.2% |
| First Mid Bancshares FMBH | United States | $1.35B | +15% | +15% | 11% | 1.23× | 10.1% | 10.9% |
| Westamerica Bancorporation WABC | United States | $1.38B | +9% | -4% | 13% | 1.75× | 11.3% | 12.9% |
| Tamilnad Mercantile Bank TMB.NS | India | $1.39B | +11% | +18% | 16% | 1.22× | 14.6% | 15.6% |
| Zhongyuan Bank 1216.HK | Hong Kong | $1.31B | -15% | 0% | 4% | 0.10× | 3.3% | 3.6% |
| Peoples Bancorp PEBO | United States | $1.39B | +12% | 0% | 10% | 1.13× | 8.5% | 10.0% |
| Jiangsu Zijin Rural Commercial Bank 601860.SS | China | $1.39B | -6% | -9% | 6% | 0.43× | 2.9% | 5.7% |
| Burke Herbert Financial Services BHRB | United States | $1.41B | +10% | +14% | 10% | 1.23× | 7.1% | 10.5% |
| Karnataka Bank KTKBANK.NS | India | $1.28B | +20% | +3% | 12% | 0.87× | 12.6% | 11.7% |
| Tompkins Financial TMP | United States | $1.43B | +16% | -15% | 21% | 1.52× | 11.5% | 20.9% |
| Jammu & Kashmir Bank J&KBANK.NS | India | $1.44B | -12% | +6% | 15% | 0.77× | 12.1% | 14.5% |
| Community Trust Bancorp CTBI | United States | $1.26B | +4% | +8% | 13% | 1.43× | 9.8% | 12.9% |
| CCI 7381.T | Japan | $1.44B | +7% | +49% | 7% | 0.83× | 4.1% | 7.1% |
| Musashino Bank 8336.T | Japan | $1.47B | -3% | +31% | 6% | 0.82× | 6.0% | 5.8% |
| Amalgamated Financial AMAL | United States | $1.47B | +18% | +12% | 15% | 1.77× | 13.0% | 15.3% |
| Ujjivan Small Finance Bank UJJIVANSFB.NS | India | $1.23B | -5% | +21% | 17% | 1.53× | 23.8% | 16.6% |
| SJF Bank A/S SJF.CO | Denmark | $1.22B | +60% | -2% | 12% | 1.71× | 6.1% | 12.0% |
| Preferred Bank PFBC | United States | $1.22B | +8% | 0% | 17% | 1.54× | 10.3% | 16.9% |
| Jiangsu Suzhou Rural Commercial Bank 603323.SS | China | $1.50B | -1% | -7% | 11% | 0.49× | 2.3% | 10.7% |
| Lakeland Financial LKFN | United States | $1.51B | -1% | +2% | 15% | 2.07× | 14.8% | 15.4% |
| Bank of Tianjin 1578.HK | Hong Kong | $1.52B | -22% | -4% | 5% | 0.14× | 3.3% | 5.2% |