HBT

HBT Financial, Inc.

$24.48

0.85

(3.6%)

Exchange:	NASDAQ
Market Cap:	771.007M
Shares Outstanding:	26.347M

Overview

Earnings

Financials

Valuation

Chart

About The Company

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities. The company’s deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, farmland sales, and crop insurance services; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. It operates through 57 branch locations in Central and Northeastern Illinois and four locations in Eastern Iowa. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	157,259	151,190	159,461	163,918	150,306	158,414	179,542	230,171	251,700
? Cost Of Revenue	0	0	0	0	0	0	0	0	0
? Gross Profit	157,259	151,190	159,461	163,918	150,306	158,414	179,542	230,171	251,700
? Research And Development Expenses	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	62,978	64,134	61,831	64,677	66,110	64,503	61,256	79,770	78,695
? Selling And Marketing Expenses	4,533	4,523	4,195	3,873	3,476	3,376	3,803	5,043	4,320
? Operating Expenses	-91,068	-87,622	-86,803	-91,797	-100,733	-81,852	-93,129	225,716	4,320
? Net Interest Income	0	0	0	0	0	0	0	0	188,850
? Interest Income	127,705	127,593	137,432	143,735	124,065	128,223	153,054	228,999	251,700
? Interest Expense	6,604	6,595	7,990	9,935	6,460	5,820	7,180	37,927	62,850
? Depreciation And Amortization	5,758	5,208	4,778	4,131.999	4,173	4,128	3,916	5,778	5,783
? EBITDA	65,345	62,181	69,446	75,755	53,746	80,690	80,106	94,359	0
? EBIT									-5,783
? Operating Income	66,191	63,568	72,658	72,121	49,573	76,562	86,413	88,581	247,380
? Income Before Tax	59,587	56,973	64,668	72,121	49,573	76,562	81,790	88,581	97,383
? Income Tax Expense	1,041	870	869	5,256	12,728	20,291	21,317	22,739	25,603
? Net Income From Continuing Operations									71,780
? Net Income	58,546	56,103	63,799	66,865	36,845	56,271	56,456	65,842	71,780
? EPS (Earnings Per Share)	2.220	2.130	2.420	3.330	1.340	2.020	1.950	2.080	2.270
? EPS Diluted	2.220	2.130	2.420	3.330	1.340	2.020	1.950	2.070	2.260
? Weighted Average Shares Outstanding	26,347.332	26,327.512	26,327.512	20,090.270	27,457.306	27,795.806	28,853.697	31,626.308	31,590.117
? Weighted Average Shares Outstanding Diluted	26,347.332	26,327.512	26,327.512	20,090.270	27,457.306	27,795.806	28,919.316	31,738.147	31,712.480
	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	166,427	187,127	284,219	312,451	409,758	114,159	141,761	29,552
? Short Term Investments	769,571	679,526	592,404	922,869	942,168	843,524	759,461	698,049
? Cash And Short Term Investments	935,998	866,653	876,623	1,235,320	1,351,926	957,683	141,252	727,601
? Net Receivables	14,747	15,300	13,951	14,255	14,901	19,506	24,534	24,770
? Accounts Receivables								24,770
? Inventory	0	0	-303,390	-330,995	-429,389	-136,930	0	0
? Total Current Assets	2,312,378	2,349,175	890,574	1,249,575	1,366,827	977,189	332,933	752,371
? Property Plant Equipment Net	56,315	54,736	53,987	52,904	52,483	50,469	65,150	66,758
? Goodwill	23,620	23,620	23,620	23,620	29,322	29,322	59,820	59,820
? Intangible Assets	17,301	16,371	12,548	8,732	9,937	11,217	39,683	17,843
? Long Term Investments	903,261	805,667	686,435	997,273	1,284,888	1,391,295	1,288,379	1,614
? Total Non Current Assets	1,000,497	900,394	776,590	1,082,529	1,376,630	1,482,303	4,906,023	146,035
? Total Assets	3,312,875	3,249,569	3,245,103	3,666,567	4,314,254	4,277,751	5,073,170	5,032,902
? Account Payables	0	0	0	0	0	0	0	0
? Short Term Debt	0	0	0	0	0	0	0	0
? Deferred Revenue	0	0	0	0	0	0	0	0
? Total Current Liabilities	2,041,139	2,287,993	2,283,890	2,367,424	2,847,104	2,747,154	0	0
? Long Term Debt	37,451	37,517	37,583	76,886	77,030	237,175	104,886	105,633
? Deferred Revenue Non Current	0	0	25,576	61,479	68,261	0	0	0
? Deferred Tax Liabilities Non Current	0	0	12,007	15,407	8,769	0	0	0
? Total Non Current Liabilities	66,451	37,517	37,583	76,886	77,030	3,900,102	4,583,674	105,633
? Total Liabilities	2,988,959	2,909,173	37,583	76,886	77,030	3,900,102	4,583,674	4,488,297
? Treasury Stock								0
? Preferred Stock	0	0	0	0	0	0	0	0
? Common Stock	181	181	275	275	293	293	327	328
? Retained Earnings	293,934	315,234	134,287	154,614	194,132	236,021	269,051	316,764
? Additional Paid In Capital								0
? Total Stockholders Equity	323,916	340,396	332,918	363,917	411,881	377,649	489,496	544,605
? Total Equity	323,916	340,396	332,918	363,917	411,881	377,649	489,496	544,605
? Minority Interest	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	3,312,875	3,249,569	3,245,103	3,666,567	4,314,254	4,277,751	5,073,170	5,032,902
? Total Investments	1,672,832	1,485,193	1,278,839	1,920,142	2,227,056	2,234,819	2,047,840	699,663
? Total Debt	66,451	37,517	37,583	76,886	77,030	237,175	104,886	105,633
? Net Debt	-99,976	-149,610	-246,636	-235,565	-332,728	123,016	-36,875	-29,552
	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	58,546	56,103	63,799	66,865	36,845	56,271	56,456	65,842	71,780
? Depreciation And Amortization	5,758	5,208	4,778	4,132	4,173	4,128	3,916	5,778	139
? Deferred Income Tax	0	0	0	-2,695	-339	2,908	-2,919	3,817	0
? Stock Based Compensation	116	291	540	343	351	764	1,949	1,953	1,752
? Change In Working Capital	-68	1,391	313	20,726	-10,130	-17,599	7,387	-18,657	0
? Accounts Receivables	113	-1,328	-553	1,349	-304	240	-4,605	0	0
? Inventory	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	68,301	72,082	79,994	89,092	31,255	43,100	72,586	65,828.999	27,882
? Investments In Property Plant And Equipment	-1,472	-2,161	-1,656	-2,148	-1,867	-1,028	-1,047	-3,134	0
? Acquisitions Net	29,824	-15,628	-28,869	114	-80,035	-4,771	1,371	-13,881	0
? Purchases Of Investments	-207,344	-355,552	-189,412	-73,117	-523,559	-513,838	-371,682	-3,037	0
? Sales Maturities Of Investments	192,652	275,610	275,765	201,472	222,999	213,491	154,166	287,905	20
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	20
? Net Debt Issuance	0	0	0	0	0	0	0	0	207
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	207
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0
? Net Stock Issuance	0	0	0	0	0	0	0	0	-4,423
? Net Dividends Paid	-40,745	-57,069	-42,621	-224,956	-16,518	-16,753	-18,584	-21,873	-24,183
? Common Dividends Paid									-24,183
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	-79,998	-54,831	-123,886	-107,340	377,675	403,326	-32,572	-171,399	-28,937
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0
? Net Change In Cash	12,880	-73,058	21,196	97,092	28,480	96,817	-295,109	27,093	-1,035
? Cash At End Of Period	238,741	165,683	186,879	283,971	312,451	409,268	114,159	141,252	16,179
? Cash At Beginning Of Period	225,861	238,741	165,683	186,879	283,971	312,451	409,268	114,159	17,214
? Operating Cash Flow	68,301	72,082	79,994	89,092	31,255	43,100	72,586	65,828.999	27,882
? Capital Expenditure	-1,472	-2,161	-1,656	-2,148	-1,867	-1,028	-1,047	-3,134	0
? Free Cash Flow	66,829	69,921	78,338	86,944	29,388	42,072	71,539	62,695	27,882
	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	165,984.040	152,724.978	157,944.110	177,390.329	230,705.355	227,274.931	232,115.038	236,524.479
Estimated Revenue (High)	168,081.831	154,655.194	159,940.289	181,420.945	232,999.386	228,172.068	233,708.961	242,288.520
Estimated Revenue (Avg)	167,217.601	153,860	159,117.920	179,414.400	231,707.116	227,723.500	232,912	239,406.500
Estimated Ebitda (Low)	58,849.412	45,432.569	55,299.827	59,194.955	65,114.450	99,328.730	101,444.061	103,371.172
Estimated Ebitda (High)	59,593.181	68,148.854	82,949.742	88,792.435	97,671.677	99,720.817	102,140.672	105,890.301
Estimated Ebitda (Avg)	59,286.769	56,790.712	69,124.785	73,993.696	81,393.064	99,524.773	101,792.367	104,630.737
Estimated Net Income (Low)	96,187.218	27,530.325	36,307.274	39,302.779	52,644.798	71,763.126	73,317.978	72,557.532
Estimated Net Income (High)	97,771.269	41,295.486	54,460.911	58,954.170	78,967.201	73,016.783	73,947.028	76,294.381
Estimated Net Income (Avg)	97,118.732	34,412.906	45,384.093	49,128.475	65,806	71,780	73,632.503	73,909
Estimated SGA Expense (Low)	66,144.735	54,691.231	44,044.861	50,862.913	55,949.202	92,750.417	94,725.655	96,525.138
Estimated SGA Expense (High)	66,980.706	82,036.847	66,067.293	76,294.370	83,923.805	93,116.537	95,376.131	98,877.431
Estimated SGA Expense (Avg)	66,636.310	68,364.039	55,056.077	63,578.642	69,936.504	92,933.478	95,050.893	97,701.285
Estimated EPS (Avg)	3.060	1.340	1.970	2.040	2.310	2.280	2.320	2.350
Estimated EPS (High)	3.080	1.350	1.990	2.070	2.320	2.300	2.330	2.400
Estimated EPS (Low)	3.030	1.330	1.960	2.010	2.300	2.260	2.310	2.290
Number of Analysts (Estimated Revenue)	1	2	2	1	4	2	3	3
Number of Analysts (Estimated EPS)	2	1	1	2	4	3	3	3

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Current Key Metrics

?	Revenue (TTM) :	287.221M	?	P/S (TTM) :	2.56
?	Net Income (TTM) :	71.78M	?	P/E (TTM) :	9.87
?	Enterprise Value (TTM) :	634.989M	?	EV/FCF (TTM) :	7.25
?	Dividend Yield (TTM) :	0.03	?	Payout Ratio (TTM) :	0.33
?	ROE (TTM) :	0.14	?	ROIC (TTM) :	0.11
?	Net Debt (TTM) :	105.05M	?	Debt/Equity (TTM) :	0.18
?	P/B (TTM) :	1.32	?	Current Ratio (TTM) :