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HBT Financial Inc

HBT Financial Inc

HBT
$36.51USD↑+0.61%+0.22 today

MARKET CAP

1.3B

P/E (TTM)

15.6x

FWD P/E

11.2x

DAY RANGE

$36 – $37

52W RANGE

$22
$38

AI Summary

Stalk
TrimMedium

HBT shows a classic Blow-Off Top, signaling exhaustion of the recent advance and initiating a retracement to the 20-day EMA. While the long-term trend remains bullish above the 200-day SMA, the primary pattern and immediate pullback favor a medium-term bearish bias. Short-term timing is inconclusive, with price holding support at the 20-day EMA and EMAs still stacked, suggesting waiting for a clearer setup. Overall, defer selling until a relief rally into the 9- and 20-day EMAs for a more favorable entry to deploy bearish exposure.

  • ↑Q2 EPS $0.78 beat consensus $0.73; 2026 EPS forecast $2.70 versus $2.44 prior year.
  • ↑CNB Bank acquisition adds to $8.3B in assets, strengthening Chicago metro presence.
  • ↓Profitability factor weak, indicating challenges in converting revenue to net income efficiently.
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The case for & against

Bull & Bear analysis

Bullish

HBT Financial, Inc. (NASDAQ:HBT) is a regional bank holding company specializing in providing banking and financial services primarily through its Heartland Bank and Trust Company division. The company is dominant in the Illinois market, particularly in central and northern Illinois, and is expanding its operations through strategic acquisitions like CNB Bank Shares, which is expected to enhance its asset base and footprint in the Chicago metropolitan area. HBT Financial is part of the broader theme of regional banking stability amidst rising interest rates, aiming to leverage its growing net interest margin for sustainable growth.

Bull says

  • ↑Q2 EPS $0.78 beat consensus $0.73; 2026 EPS forecast $2.70 versus $2.44 prior year.
  • ↑CNB Bank acquisition adds to $8.3B in assets, strengthening Chicago metro presence.
  • ↑Average 12-month price target $37.40 implies ~4.5% upside; top target at $41.
  • ↑Quarterly dividend up to $0.25, annualized yield 2.8%, reflecting consistent shareholder returns.
  • ↑Net interest margin at 4.25% supports stable revenues amid rising rates.
  • ↑Strong earnings yield and robust book-to-price ratio indicate value amid low volatility.

Bear says

  • ↓Profitability factor weak, indicating challenges in converting revenue to net income efficiently.
  • ↓Negative size and liquidity scores suggest capital access constraints post-acquisition.
  • ↓High short interest signals investor skepticism and potential share volatility.
  • ↓Rising rates may pressure loan demand despite NIM benefits.
  • ↓Digital banking competition and fintech entrants pose disruption risk.
  • ↓Regional concentration in Illinois exposes HBT to localized economic downturns.