HBT Financial, Inc. (HBT)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$36.59+0.63%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · HBT
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Successfully integrate CNB Bank and realize full benefits including cost savings, revenue growth, and operational synergies.
Stated as a priority in 2 of last 2 quarters. Revenue grew from $71.8M in 2026-Q1 to $88.6M in 2026-Q2, operating income increased from $15.1M to $37.8M, and noninterest expense decreased 19.1% quarter-over-quarter as acquisition-related expenses declined. Management reports realizing full benefit of acquisition and cost savings, indicating delivery on integration and synergy realization.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 55% of the time over the next year (vs 62% for the rest of the cohort, n=10246).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
“CEO: 'Our first full quarter after the closing of our acquisition of CNB Bank Shares, Inc. delivered strong results... realizing the full benefit of our acquisition and all material cost savings.'”
“CEO: 'We completed merger with CNB Bank Shares, Inc. on March 1, 2026 and core system conversion successfully completed in March 2026.'”
Increase the quarterly cash dividend to reflect strong financial performance and capital levels.
Stated as a priority in 2 of last 2 quarters. The Board increased the quarterly dividend from $0.23 in 2026-Q1 to $0.25 in 2026-Q2, reflecting management's confidence in strong earnings and capital levels. This increase aligns with improved net income from $11.2M to $27.8M and supports the stated capital allocation strategy.
“Board declared quarterly cash dividend of $0.25 per share, up $0.02 from prior quarter.”
“Quarterly cash dividend was $0.23 per share.”
Control noninterest expenses to remain between $41 million and $43 million per quarter to maintain cost discipline post-acquisition.
Stated as a priority in 2 of last 2 quarters. Noninterest expense was elevated at $52.4M in 2026-Q1 due to $15.7M acquisition-related expenses but declined to $42.4M in 2026-Q2, within the $41M-$43M guidance range. Management is managing expenses toward the target range post-acquisition, showing progress toward cost discipline.
“Noninterest expense for 2026-Q2 was $42.4 million, within the guided range.”
“Noninterest expense for 2026-Q1 was $52.4 million, elevated due to acquisition-related expenses.”
Complete the announced merger with Tri-County Financial Group to expand footprint and product offerings.
Newly stated in 2026-08. Management announced a definitive merger agreement with Tri-County Financial Group valued at approximately $204.6 million, expected to close in 2027-Q1. This is a strategic growth initiative expanding HBT's footprint and product offerings. No financial results yet as the transaction is pending.
Successfully complete the acquisition and integration of CNB Bank Shares, Inc. to expand market presence and customer base.
Over the trailing year it converted 1.54x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 60% of the time over the next year (vs 57% for the rest of the cohort, n=9112).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, long-term interest rates, Fed net liquidity (low R² over the window).
22 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 59% of the time over the next year (vs 56% for the rest of the cohort, n=2797).
Not investment advice. As of 2026-09-04.