NASDAQ: HBT

HBT Financial (HBT) Stock Analysis & Forecast

Oct 12 close

$35.51+0.56 (+1.6%)
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Gekko Brief

AI summaryOct 12 close

HBT Financial moves ahead of its third quarter 2026 results, scheduled for release before the market opens on 26 October 2026. The announcement follows a second quarter beat, with EPS of $0.78 against revenue of $80.90 million, and comes alongside the company's proposed acquisition of Tri-County Financial Group for $206.3 million, which goes to a shareholder vote on 29 October.

HBT closes at $35.51, up 1.6%, sitting below its 50-day average of $36.01 but above its 200-day average of $30.52, reflecting a mixed trend picture. The GekkoIndex reads 61.5, placing the stock in the Accumulation zone. Shares trade 5.8% below Gekko Fair Value of $37.69. Over the past year the stock has returned 47%, with a six-month gain of 24.8% and a three-month gain of 11.8%, though the past month is down 2.7%. The 52-week range spans $22.36 to $37.51.

The next 20 trading days bring the earnings report on 26 October, just 14 days away, with the company having beaten estimates in 7 of the last 8 quarters and an average absolute reaction of 3.8% historically. Seasonality from this point in the calendar has averaged a 10.9% gain over the next 20 trading days across 5 years, rising in 5 of them. Analyst coverage shows 1 buy and 1 hold among 2 firms, with a consensus target of $40.20, implying 13.2% upside. No insider, Congress or unusual options activity appears in the respective windows.

Written by AI from the Oct 12, 2026 close and checked automatically against the figures on this page.

HBT Financial price vs fair value

$37.69$35.51Oct ’25Apr ’26Oct ’26
Close $35.51200-day averageGekko Fair Value $37.69

HBT Financial quick facts

Market cap
$1.29B
P/E ratio
15.1
Forward P/E
—
EPS, TTM
$2.35
Revenue, TTM
$265.9M
Profit margin
29.2%
Dividend yield
2.48%
Beta
0.49
Volume
129,069 avg 144,664
1-year return
+47.0%
Typical daily move
±1.9%
Typical 20-day move
±4.9%
50-day average
$36.01
200-day average
$30.52
Next earnings
Oct 26
Shares outstanding
36.37M
52-week range
$22.36$37.51

HBT Financial swing-trade checklist

HBT Financial scores 3 supportive, 1 mixed and 1 headwind across the 5 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

3 supportive1 mixed1 headwind

  • Trendmixed

    Averages disagree

    Close $35.51 sits between the 50-day ($36.01) and 200-day ($30.52) averages, or the averages disagree.

    See the chart
  • GekkoIndexsupportive

    61.5, Accumulation

    Reading 61.5 is in the Accumulation zone.

    See the GekkoIndex
  • Fair valuesupportive

    5.8% below

    Price is 5.8% below Gekko Fair Value (more than 5% below).

    See fair value
  • Smart moneyno data

    No data

    No insider, Congress or unusual options activity in the window.

    See smart money
  • Earnings riskheadwind

    Reports in 14 days

    Reports on Oct 26, 2026, 14 days away — inside a typical 20-trading-day hold.

    See earnings
  • Seasonalitysupportive

    +10.9% on average

    From this point in the calendar, the next 20 trading days averaged +10.9% over 5 years, rising in 5 of them.

    See seasonality

A description of current data, not a recommendation. How this page works

HBT Financial stock chart and price history

HBT Financial closed at $35.51 on Oct 12, 2026, +47.0% over the past year, inside a 52-week range of $22.36 to $37.51.

5Y and weekly in Gekko
Close50-day average200-day averageVolume
HBT Financial share price, past year, with 50-day and 200-day moving averages and volume$25$30NovDecJan 2026FebMarAprMayJunJulAugSepOct35.51

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
−2.7%
3 months
+11.8%
6 months
+24.8%
1 year
+47.0%
The full HBT chart adds GekkoIndex, insider, options, Congress and hedge fund markers, plus TrendCandles™.Open HBT in Gekko

Follow HBT Financial through every session

Put HBT on a Gekko watchlist and see its GekkoIndex, Gekko Fair Value and smart money signals update on the chart as they change.

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About HBT Financial

HBT Financial is the holding company behind Heartland Bank and Trust Company, which serves individuals, businesses and municipal entities through retail, commercial and business banking. It is known for a broad banking footprint that pairs everyday deposit accounts with a wide lending book covering commercial real estate, construction, agricultural and residential mortgage loans, along with municipal and consumer financing.

Beyond standard banking, HBT Financial offers wealth management, including financial planning, trust and estate work, investment management, retirement plan services and retail brokerage. It also supports farmland management, sales and crop insurance, treasury management, and digital banking tools such as online and mobile platforms and payment services. The bank originates residential mortgages and sells them on afterward, and operates 57 branches across Central and Northeastern Illinois plus four more in Eastern Iowa, serving consumers, businesses and municipal clients.

Founded in 1920 under the name Heartland Bancorp, Inc., the company took its current name in September 2019. It is headquartered in Bloomington, Illinois, and its shares are listed on the NASDAQ under the ticker HBT.

Listed
NASDAQ
Sector
Finance
Industry
Regional banks
Website
ir.hbtfinancial.com

HBT Financial GekkoIndex: the smart money zone

HBT Financial’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 61.5, in the Accumulation zone, up 7.7 points over five sessions.

010061.5Accumulation

Up 7.7 points over five sessions, from the Neutral zone.

Reading for Oct 12, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying7Too few readings yet
Accumulation (current zone)187+1.4%+2.2%+4.4%+7.5%
Neutral445+0.2%+0.7%+1.4%+5.1%
Distribution42−0.1%−2.3%−2.2%−1.0%
Selling1Too few readings yet

Average HBT share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.2% over 20 days. Past behaviour doesn’t guarantee future results.

Accumulation zone: Institutional interest building. About the five zones →

See every daily GekkoIndex reading plotted over the HBT price, zone by zone.Track HBT in Gekko

Is HBT Financial stock overvalued? Gekko Fair Value

HBT Financial trades 5.8% below Gekko Fair Value of $37.69, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what HBT Financial shares are worth, recalculated every trading day.

$37.69

Gekko Fair Value, Oct 10, 2026

5.8% Undervalued

At the end of Aug 2026 the price was 7.2% below the estimate.

Gekko Fair ValueShare price, month end
$38$35Aug 2026SepOct 2026

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open HBT in Gekko

HBT Financial insider and Congress trading

No open-market insider purchases were filed for HBT Financial, and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

No open-market insider purchases were filed for HBT in the last 90 days.

From Form 4 filings, dated to when each was filed.

Every HBT insider filing, plotted on the chart in Gekko.Open HBT in Gekko

Congress trades last 90 days

No trades in HBT were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for HBT, plotted on the chart in Gekko.Open HBT in Gekko

Buybacks

HBT Financial has been buying back its own shares.

Bought back, quarter ended Jun 30, 2026
$426K
As a share of market cap
0.03%
Trailing four quarters
$17.76M

From company filings.

HBT Financial earnings: next date and track record

HBT Financial reports on Oct 26, 2026 (14 days away), and beat the EPS estimate in 7 of its last 8 reports.

7 of 8reports beat the EPS estimate
±3.8%average move across the report
6 of 8reports followed by a gain

Share-price move across each report

+2.3%Apr ’24+6.1%Jul ’24−3.6%Oct ’24+1.7%Jan ’25+5.7%Apr ’25+3.2%Jul ’25+5.2%Oct ’25−2.3%Jan ’26
ReportedEPSSurpriseRevenueSurpriseMove
Jan 26, 2026$0.64
est $0.64		0.0%$60.44M
est $61.00M		−0.9%−2.3%
Oct 20, 2025$0.65
est $0.62		+4.8%$59.57M
est $61.02M		−2.4%+5.2%
Jul 21, 2025$0.63
est $0.60		+5.0%$58.80M
est $59.45M		−1.1%+3.2%
Apr 21, 2025$0.61
est $0.57		+7.0%$57.63M
est $58.90M		−2.2%+5.7%
Jan 22, 2025$0.62
est $0.58		+6.9%$58.38M
est $55.00M		+6.1%+1.7%
Oct 21, 2024$0.61
est $0.57		+7.0%$56.28M
est $57.49M		−2.1%−3.6%
Jul 22, 2024$0.57
est $0.56		+1.8%$56.72M
est $57.01M		−0.5%+6.1%
Apr 22, 2024$0.57
est $0.56		+1.8%$52.31M
est $56.63M		−7.6%+2.3%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

HBT Financial stock forecast and analyst price targets

Analysts’ average 12-month price target for HBT Financial is $40.20, +13.2% from the last close, from 2 firms rating the stock in the last 90 days.

$40.20consensus 12-month target, +13.2% from the last close
Low $38High $41
Buy1
Hold1
Sell0

Each firm’s latest rating in the last 90 days: 2 firms.

Latest analyst actions

DateFirmRatingTargetvs price
Aug 13KBWBuy, reiterated$41+15.5%
Aug 11D.A. DavidsonHold, maintained$38+7.0%
Jul 28D.A. DavidsonHold, maintained$36+1.4%
Jul 28KBWBuy, reiterated$38+7.0%
+4.4%average 20-day move after past Accumulation readings
+10.9%average move over the next 20 trading days in the last 5 years
±1.9%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

HBT Financial seasonality: the next 20 trading days

Over the next 20 trading days from Oct 10, HBT Financial averaged +10.9% across the last 5 years, rising in 5 of them.

Next 20 trading days, by year

+17.6%2021+12.9%2022+4.6%2023+12.3%2024+2.4%2025

Average move and hit rate

WindowAverageYears higher
Next 5 trading days+4.1%5 of 5
Next 10 trading days+4.6%4 of 5
Next 15 trading days+5.8%4 of 5
Next 20 trading days+10.9%5 of 5
Next 30 trading days+10.2%5 of 5

For scale, HBT’s typical 20-trading-day move in either direction is about 4.9%.

HBT Financial market cap and key statistics

HBT Financial’s market cap is $1.29B, with a P/E ratio of 15.1 and revenue of $265.9M over the last twelve months.

Valuation

Market cap
$1.29B
P/E ratio
15.1
EPS, TTM
$2.35
Gekko Fair Value
$37.69

Trading

Volume
129,069
Avg volume, 20 days
144,664
52-week high
$37.51
52-week low
$22.36
Shares outstanding
36.37M

Financials

Revenue, TTM
$265.9M
Profit margin
29.2%
Return on equity
11.6%
Quarterly earnings growth, YoY
+24.6%

Risk and income

Beta
0.49
Typical daily move
±1.9%
Typical 20-day move
±4.9%
Dividend yield
2.48%

HBT Financial stock news this week

2 headlines about HBT Financial from the past week, newest first, each linking to the publisher.

HBT Financial peers

HBT Financial’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

StockTodayGekkoIndex zonevs Fair Value
CMCanadian Imperial Bank of Commerce+0.4%Accumulation5.7% below
USBU.S. Bancorp+0.4%Accumulation11.0% below
NUNu−0.6%Neutral0.7% below
TFCTruist Financial+0.9%Accumulation9.6% below
FITBFifth Third Bancorp+0.1%Accumulation11.2% below
MTBM&T Bank+0.9%Accumulation9.1% below

A peer links to its own page where one exists.

In the Buying zone today

VZTMUSTBMYINGBCS

Reporting earnings this week

JPMJNJUNHGSWFCC

Popular on Gekko

NVDATSLAMSFTAMZNMETAGOOGL

HBT Financial stock FAQ

What is HBT Financial’s market cap?

HBT Financial’s market cap is $1.29B at the Oct 12, 2026 close of $35.51, with 36.37M shares outstanding. The shares trade on a P/E ratio of 15.1.

What is the HBT Financial stock forecast?

The consensus analyst 12-month price target for HBT Financial is $40.20, +13.2% from the last close. Of the 2 firms that rated the stock in the last 90 days, 1 rate it a buy, 1 a hold and 0 a sell. Gekko doesn’t publish price predictions of its own.

Is HBT Financial stock overvalued or undervalued?

On Gekko’s estimate HBT Financial is undervalued: the Oct 12, 2026 close of $35.51 is 5.8% below Gekko Fair Value of $37.69. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does HBT Financial report earnings next?

HBT Financial is expected to report on Oct 26, 2026 (14 days away). Analysts expect earnings of $0.79 per share on revenue of $82.87M. HBT Financial beat the earnings estimate in 7 of its last 8 reports, moving 3.8% on average across the report.

What is HBT Financial’s 52-week high and low?

HBT Financial’s 52-week high is $37.51 and its 52-week low is $22.36; it closed at $35.51 on Oct 12, 2026, +47.0% over the past year.

Is HBT Financial stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 3 of the 5 items with data read as supportive (gekkoindex, fair value and seasonality), 1 as mixed (trend) and 1 as a headwind (earnings risk). The checklist is a description of current data, not a recommendation.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

Built and overseen by Jared Mann

Founder of Gekko.app. Jared has traded stocks and ETFs for more than 20 years and has a financial industry background.

About GekkoHow Gekko’s data worksReport an error

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