HBT

HBT Financial, Inc. recently reported past second-quarter 2026 results showing higher net interest income of US$69.06 million and net income of US$27.84 million, alongside a quarterly dividend increase to US$0.25 per share payable on August 18, 2026. The combination of stronger quarterly profitability, a higher cash dividend, and ongoing share repurchases underlines management’s willingness to return more capital to shareholders. Next, we will examine how the stronger second-quarter earnings growth and dividend increase shape HBT Financial’s broader investment narrative. Outshine the giants: these 16 early-stage AI stocks could fund your retirement. To own HBT Financial, you need to be comfortable with a regional bank that is leaning into capital returns while trading on a richer earnings multiple than many peers. The latest quarter’s higher net interest income and stronger net income, coupled with the dividend lift to US$0.25 and completion of the US$16.0 million buyback program, reinforce a shareholder-friendly story and help explain the strong recent share price performance. In the short term, the key catalyst is whether this earnings momentum can be repeated after a softer first quarter, especially given net interest income and credit costs can move quickly with funding and asset quality pressures. The main risk is that the higher payout and buybacks leave less room to absorb any future credit or margin headwinds. However, investors should recognise how quickly funding or credit trends could change this picture. HBT Financial's shares have been on the rise but are still potentially undervalued by 48%. Find out what it's worth. With only two fair value estimates from the Simply Wall St Community spanning about US$38 to US$69, you are seeing very different views on HBT’s worth. Set against a richer than industry earnings multiple and rising capital returns, that dispersion underlines why understanding both the earnings resilience and balance sheet risks is so important before forming your own stance. Explore 2 other fair value estimates on HBT Financial - why the stock might be worth as much as 93% more than the current price! Don't just follow the ticker - dig into the data and build a conviction that's truly your own. A great starting point for your HBT Financial research is our analysis highlighting 3 key rewards and 1 important warning sign that could...

Make better investment decisions with Simply Wall St's easy, visual tools that give you a competitive edge. HBT Financial (HBT) just paired a higher quarterly dividend with stronger second quarter results, giving investors fresh income and earnings data to weigh after the company reported an earnings and revenue beat. See our latest analysis for HBT Financial. The stronger second quarter and the higher dividend come on top of a strong run in HBT Financial’s stock, with a 1 month share price return of 13.89% and year to date share price return of 40.65%. Over a longer horizon, total shareholder return of 46.44% over 1 year and 165.08% over 5 years suggests momentum has been building rather than fading. If the latest move in HBT Financial has you thinking about other opportunities in the market, it could be a good time to broaden your search and check out 18 top founder-led companies After a run like this and a richer dividend, it is fair to ask whether most of the easy money in HBT Financial is already behind you, or if the current valuation still leaves meaningful upside on the table. On current numbers, HBT Financial is trading on a P/E of 16.9x, which screens as expensive compared to several reference points even after the recent share price strength. The P/E ratio compares the company’s share price with its earnings per share, so a higher P/E usually reflects higher expectations for future profits. For a regional bank like HBT Financial, this means the market appears willing to pay a premium for its earnings compared with many peers. That premium shows up clearly. The current 16.9x P/E is above the estimated fair P/E of 16.2x that our modelling suggests the market could gravitate toward. It is also higher than the US Banks industry average of 11.9x and the peer group average of 13.7x, which points to a richer valuation than both the broader sector and closer comparables. Explore the SWS fair ratio for HBT Financial Result: Price-to-earnings of 16.9x (OVERVALUED) However, you also have to consider that HBT Financial operates in a regional banking niche where credit quality, funding costs, or shifts in local economies could quickly challenge today's premium valuation. Find out about the key risks to this HBT Financial narrative. The P/E premium suggests HBT Financial is expensive, yet our DCF model points in the opposite direction. At a share price of $36.1...

BLOOMINGTON, Ill. (AP) — BLOOMINGTON, Ill. (AP) — HBT Financial Inc. (HBT) on Monday reported second-quarter profit of $27.8 million. The bank, based in Bloomington, Illinois, said it had earnings of 76 cents per share. Earnings, adjusted for non-recurring costs, were 78 cents per share. The results topped Wall Street expectations. The average estimate of four analysts surveyed by Zacks Investment Research was for earnings of 74 cents per share. The bank holding company posted revenue of $100.4 million in the period. Its revenue net of interest expense was $80.9 million, which also beat Street forecasts. _____ This story was generated by Automated Insights (http://automatedinsights.com/ap) using data from Zacks Investment Research. Access a Zacks stock report on HBT at https://www.zacks.com/ap/HBT

HBT Financial (HBT) reported $80.9 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 37.6%. EPS of $0.78 for the same period compares to $0.63 a year ago. The reported revenue compares to the Zacks Consensus Estimate of $80.7 million, representing a surprise of +0.24%. The company delivered an EPS surprise of +5.41%, with the consensus EPS estimate being $0.74. While investors closely watch year-over-year changes in headline numbers -- revenue and earnings -- and how they compare to Wall Street expectations to determine their next course of action, some key metrics always provide a better insight into a company's underlying performance. Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance. Here is how HBT Financial performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts: Net interest margin (FTE): 4.4% versus 4.2% estimated by two analysts on average. Average Balances - Interest-earning assets: $6.41 billion compared to the $6.5 billion average estimate based on two analysts. Net charge-offs to average loans: -0% versus 0.1% estimated by two analysts on average. Efficiency Ratio: 50.7% compared to the 51.8% average estimate based on two analysts. Card income: $3.43 million versus the two-analyst average estimate of $2.91 million. Other noninterest income: $0.94 million versus $1.15 million estimated by two analysts on average. Net interest income (FTE): $69.91 million versus $68.58 million estimated by two analysts on average. Service charges on deposit accounts: $2.49 million versus $2.82 million estimated by two analysts on average. Wealth management fees: $3.92 million versus $4 million estimated by two analysts on average. Total noninterest income: $11.84 million compared to the $12.13 million average estimate based on two analysts. Mortgage servicing: $1.14 million versus the two-analyst average estimate of $1 million. View all Key Company Metrics for HBT Financial here>>> Shares of HBT Financial have returned +4.9% over the past month versus the Zacks S&P 500 composite's +0.8% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broad...

Quarterly Cash Dividend Increased to $0.25 per Share Second Quarter Highlights Net income of $27.8 million, or $0.76 per diluted share; return on average assets (“ROAA”) of 1.66%; return on average stockholders' equity (“ROAE”) of 14.73%; and return on average tangible common equity (“ROATCE”)(1) of 17.69% Adjusted net income(1) of $28.5 million, or $0.78 per diluted share; adjusted ROAA(1) of 1.70%; adjusted ROAE(1) of 15.09%; and adjusted ROATCE(1) of 18.13% Asset quality remained strong with nonperforming assets to total assets of 0.15% and net recoveries to average loans of 0.01%, on an annualized basis Net interest margin increased 12 basis points to 4.32% and net interest margin (tax-equivalent basis)(1) increased 13 basis points to 4.38% BLOOMINGTON, Ill., July 27, 2026 (GLOBE NEWSWIRE) -- HBT Financial, Inc. (NASDAQ: HBT) (the “Company”, “HBT Financial” or “HBT”), the holding company for Heartland Bank and Trust Company, today reported net income of $27.8 million, or $0.76 diluted earnings per share, for the second quarter of 2026. This compares to net income of $11.2 million, or $0.34 diluted earnings per share, for the first quarter of 2026, and net income of $19.2 million, or $0.61 diluted earnings per share, for the second quarter of 2025. J. Lance Carter, President and Chief Executive Officer of HBT Financial, said, “Our first full quarter after the closing of our acquisition of CNB Bank Shares, Inc. (“CNB”) and its wholly owned subsidiary, CNB Bank & Trust, N.A. (“CNB Bank”) delivered strong results. For the second quarter, we reported adjusted net income(1) of $28.5 million, or $0.78 per diluted share, adjusted ROAA(1) of 1.70% and adjusted ROATCE(1) of 18.13%. Our net interest margin on a tax equivalent basis(1) increased 13 basis points to 4.38% compared to the first quarter of 2026. While some of that increase was driven by higher than expected loan accretion income, net interest margin also increased as maturing fixed rate loans repriced higher and securities cash flows were reinvested at higher rates, which offset an increase in cost of funds related to the deposit base acquired from CNB Bank. Noninterest income and noninterest expense were both in line with expectations as we are now realizing the full benefit of our acquisition and all material cost savings. Our tangible book value per share(1) increased 3.5% for the quarter to $17.60 w...

HBT Financial (HBT) reported Q2 adjusted earnings Monday of $0.78 per diluted share, up from $0.63 a

HBT Financial Inc. (NASDAQ:HBT) reported second-quarter results that exceeded Wall Street expectations on both earnings and revenue, as the regional bank benefited from stronger net interest income and its recent acquisition of CNB Bank Shares. The company posted adjusted earnings per share of $0.78, ahead of analysts’ consensus estimate of $0.73. Revenue reached $80.89 million, surpassing expectations of $80.36 million. Shares were little changed in after-hours trading following the earnings announcement. Total revenue climbed 39.1% year over year from $49.7 million in the second quarter of 2025. Net income increased to $27.8 million, or $0.76 per diluted share, compared with $19.2 million, or $0.61 per diluted share, a year earlier. On an adjusted basis, net income totaled $28.5 million. The quarter marked the company’s first full reporting period since completing its acquisition of CNB Bank Shares, Inc. and its banking subsidiary on March 1, 2026. HBT Financial’s tax-equivalent net interest margin improved by 13 basis points from the previous quarter to 4.38%. The increase was supported by higher loan accretion income, the repricing of fixed-rate loans and the reinvestment of securities cash flows at higher interest rates. Net interest income rose 22.5% quarter over quarter to $69.1 million, compared with $56.4 million in the first quarter of 2026. “Our first full quarter after the closing of our acquisition of CNB Bank Shares, Inc. and its wholly owned subsidiary, CNB Bank & Trust, N.A. delivered strong results,” said J. Lance Carter, President and CEO of HBT Financial. The bank continued to report strong asset quality, with nonperforming assets representing just 0.15% of total assets. Net recoveries equated to 0.01% of average loans on an annualized basis, while the allowance for credit losses stood at 1.27% of total loans. HBT Financial’s board of directors also approved a higher quarterly cash dividend of $0.25 per share, an increase of $0.02 from the previous payout. The dividend is scheduled to be paid on August 18, 2026. HBT Financial stock price

HBT Financial (HBT) came out with quarterly earnings of $0.78 per share, beating the Zacks Consensus Estimate of $0.74 per share. This compares to earnings of $0.63 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +5.41%. A quarter ago, it was expected that this bank holding company would post earnings of $0.62 per share when it actually produced earnings of $0.68, delivering a surprise of +9.68%. Over the last four quarters, the company has surpassed consensus EPS estimates three times. HBT Financial, which belongs to the Zacks Banks - Northeast industry, posted revenues of $80.9 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 0.24%. This compares to year-ago revenues of $58.8 million. The company has topped consensus revenue estimates three times over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. HBT Financial shares have added about 28.8% since the beginning of the year versus the S&P 500's gain of 8.3%. While HBT Financial has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for HBT Financial was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Stro...

The Bancorp (TBBK) is expected to deliver a year-over-year increase in earnings on lower revenues when it reports results for the quarter ended June 2026. This widely-known consensus outlook gives a good sense of the company's earnings picture, but how the actual results compare to these estimates is a powerful factor that could impact its near-term stock price. The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 30. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This holding company for The Bancorp Bank is expected to post quarterly earnings of $1.36 per share in its upcoming report, which represents a year-over-year change of +7.1%. Revenues are expected to be $166.7 million, down 8% from the year-ago quarter. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that an aggregate change may not always reflect the direction of estimate revisions by each of the covering analysts. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for...

Carter Bankshares, Inc. (CARE) came out with quarterly earnings of $0.53 per share, beating the Zacks Consensus Estimate of $0.41 per share. This compares to earnings of $0.41 per share a year ago. These figures are adjusted for non-recurring items. This quarterly report represents an earnings surprise of +29.27%. A quarter ago, it was expected that this company would post earnings of $3.91 per share when it actually produced earnings of $0.4, delivering a surprise of -89.77%. Over the last four quarters, the company has surpassed consensus EPS estimates two times. Carter Bankshares, which belongs to the Zacks Banks - Northeast industry, posted revenues of $68.92 million for the quarter ended June 2026, surpassing the Zacks Consensus Estimate by 3.28%. This compares to year-ago revenues of $37.44 million. The company has topped consensus revenue estimates just once over the last four quarters. The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call. Carter Bankshares shares have added about 67.5% since the beginning of the year versus the S&P 500's gain of 9.6%. While Carter Bankshares has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock? There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately. Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions. Ahead of this earnings release, the estimate revisions trend for Carter Bankshares was unfavorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #4 (Sell) for the stock. So, the shares are expected to underperform the market in the near future. You can see the complete list of today's Z...

Wall Street expects a year-over-year increase in earnings on higher revenues when HBT Financial (HBT) reports results for the quarter ended June 2026. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates. The earnings report, which is expected to be released on July 27, might help the stock move higher if these key numbers are better than expectations. On the other hand, if they miss, the stock may move lower. While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise. This bank holding company is expected to post quarterly earnings of $0.74 per share in its upcoming report, which represents a year-over-year change of +17.5%. Revenues are expected to be $80.7 million, up 37.2% from the year-ago quarter. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period. Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change. Price, Consensus and EPS Surprise Estimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. Our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction) -- has this insight at its core. The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier. Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for...

Bloomington, Ill., July 10, 2026 (GLOBE NEWSWIRE) -- HBT Financial, Inc. (NASDAQ: HBT) (the “Company” or “HBT Financial”), the holding company for Heartland Bank and Trust Company, today announced that it will issue its second quarter 2026 financial results before the market opens on Monday, July 27, 2026. A copy of the press release announcing the second quarter 2026 financial results and an investor presentation will be made available on the Company’s investor relations website at https://ir.hbtfinancial.com. About HBT Financial, Inc. HBT Financial, Inc., headquartered in Bloomington, Illinois, is the holding company for Heartland Bank and Trust Company, and has banking roots that can be traced back to 1920. HBT Financial provides a comprehensive suite of financial products and services to consumers, businesses, and municipal entities throughout Illinois, eastern Iowa, and suburban St. Louis through 83 full-service branches. As of March 31, 2026, HBT Financial had total assets of $6.8 billion, total loans of $4.7 billion, and total deposits of $5.8 billion. CONTACT:Peter [email protected] (309) 664-4556