HBT FINANCIAL INC/DE
HBT Financial Inc (HBT) is a regional bank holding company offering deposit, lending and treasury services to individuals and businesses. With a market capitalisation around $780.2m, it is a small-cap financial name whose performance is shaped by local economic conditions, lending mix and interest-rate movements. Investors should note the typical banking sensitivities: net interest margins, credit quality and loan growth tend to drive earnings, while regulatory requirements and funding costs affect capital and cash flow. As with any stock, values can rise or fall and past performance is not a reliable guide to the future. This summary is for general educational purposes only and not personal investment advice; consider whether the company’s size, regional focus and risk profile suit your objectives before making decisions.
Stock Performance Snapshot
Analyst Rating
Analysts suggest keeping HBT Financial's stock as it may rise slightly in value.
Financial Health
HBT Financial is showing solid revenue and cash flow, indicating good financial performance.
Dividend
HBT Financial's dividend yield of 3.38% offers a reasonable return for dividend-seeking investors. If you invested $1000 you would be paid $7.60 a year in dividends (based on the last 12 months).
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Baskets Featuring HBT
Fed Pivot Play: Financial Sector's Risk-Reward Trade
An unexpected drop in wholesale prices has increased the likelihood that the Federal Reserve will cut interest rates to support the economy. This potential shift in monetary policy creates opportunities for companies in sectors that are sensitive to lower borrowing costs, such as banking and financial services.
Published: September 11, 2025
Explore BasketThe Next Fed Chair: A Monetary Policy Pivot
President Trump's search for a new Federal Reserve Chair, including private-sector candidates, signals a potential shift in monetary policy. This could create opportunities in interest-rate-sensitive industries, such as banking and housing, if the new leadership prioritizes lower borrowing costs.
Published: August 14, 2025
Explore BasketWhy You’ll Want to Watch This Stock
Rate sensitivity
HBT’s margins and profitability are often affected by interest-rate moves; rising rates can boost margins but also increase funding costs and credit stress.
Regional exposure
As a community-focused bank, local economic health and industry concentrations matter — though this can offer growth as well as concentration risk.
Capital and payouts
Regulatory capital levels and earnings determine dividend flexibility; attractive yields may be possible, but payouts are not guaranteed.
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