XNASHBT
Market cap688mUSD
Jan 14, Last price
21.83USD
1D
2.92%
1Q
-5.37%
IPO
40.84%
Name
HBT Financial Inc
Chart & Performance
P/E
10.46
P/S
2.99
EPS
2.09
Div Yield, %
3.17%
Shrs. gr., 5y
3.81%
Rev. gr., 5y
7.62%
Revenues
230m
+28.20%
Net income
66m
+16.63%
CFO
66m
-9.31%
Dividend
Aug 06, 20240.19 USD/sh
Earnings
Jan 22, 2025
Profile
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.
Valuation
Title USD in thousands, except ratios and share amounts | FY | FY | FY | FY | FY | FY | FY | FY |
|---|---|---|---|---|---|---|---|---|
| 2023‑12 | 2022‑12 | 2021‑12 | 2020‑12 | 2019‑12 | 2018‑12 | 2017‑12 | 2016‑12 | |
| Income | ||||||||
Revenues | 230,171 28.20% | 179,542 13.34% | ||||||
Cost of revenue | 84,813 | 65,059 | ||||||
Unusual Expense (Income) | ||||||||
NOPBT | 145,358 | 114,483 | ||||||
NOPBT Margin | 63.15% | 63.76% | ||||||
Operating Taxes | 22,739 | 21,317 | ||||||
Tax Rate | 15.64% | 18.62% | ||||||
NOPAT | 122,619 | 93,166 | ||||||
Net income | 65,842 16.63% | 56,456 0.33% | ||||||
Dividends | (21,873) | (18,584) | ||||||
Dividend yield | 3.26% | 3.28% | ||||||
Proceeds from repurchase of equity | (8,907) | (3,858) | ||||||
BB yield | 1.33% | 0.68% | ||||||
| Debt | ||||||||
Debt current | 43,081 | |||||||
Long-term debt | 104,886 | 237,175 | ||||||
Deferred revenue | ||||||||
Other long-term liabilities | 4,478,788 | (237,175) | ||||||
Net debt | (1,969,210) | (2,068,722) | ||||||
| Cash flow | ||||||||
Cash from operating activities | 65,829 | 72,586 | ||||||
CAPEX | (3,134) | (1,047) | ||||||
Cash from investing activities | 132,663 | (335,123) | ||||||
Cash from financing activities | (171,399) | (32,572) | ||||||
FCF | (1,643,480) | 403,043 | ||||||
| Balance | ||||||||
Cash | 785,717 | 957,683 | ||||||
Long term investments | 1,288,379 | 1,391,295 | ||||||
Excess cash | 2,062,587 | 2,340,001 | ||||||
Stockholders' equity | 212,215 | 164,555 | ||||||
Invested Capital | 4,860,955 | 1,409,123 | ||||||
ROIC | 3.91% | 6.82% | ||||||
ROCE | 2.87% | 7.27% | ||||||
| EV | ||||||||
Common stock shares outstanding | 31,738 | 28,919 | ||||||
Price | 21.11 7.87% | 19.57 4.48% | ||||||
Market cap | 669,992 18.38% | 565,951 8.71% | ||||||
EV | (1,299,218) | (1,502,771) | ||||||
EBITDA | 151,136 | 118,399 | ||||||
EV/EBITDA | ||||||||
Interest | 37,927 | 7,180 | ||||||
Interest/NOPBT | 26.09% | 6.27% | ||||||