HBT Financial, Inc.
HBT · State Commercial Banks · 36.4M shares · +12%/yr ↑ dilution · EDGAR filings ↗
Net buyback after stock comp: $7M (gross $9M, SBC $2M)
Reference price $28.93 · est. market cap ~$1.1B — last insider sale, 2026-04-28 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
B74HBT Financial — high-ROA Illinois community bank.
Strengths
- ROA 89th pct, ROE 12.5% (80th)
- Conservative underwriting
Risks
- Low cash position (34th pct)
- Illinois concentration
- Rate sensitivity
Notable findings
- Exec changeRecent 8-K item 5.02 8-K ↗
- Chronic dilutionShare count +12%/yr over 4y (dilution, book value/share -5%)
- Strong balance sheetStrong balance sheet — $122M cash & investments
- Insider buyingInsider buying — 1 open-market buy(s) by 1 insider(s) (~$104,960, last 6mo) Form 4 ↗
- Insider sellingInsider selling — 5 open-market sale(s) by 3 insider(s) (cluster of 3 insiders, ~$1M, last 6mo) Form 4 ↗
Key metrics
Return on equity
12.5%
Return on assets
1.5%
Net-income growth
7.3%
Tangible book value
$541M
Cash & investments
$122M
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-04-30 | SCHEIRER MARK W | Gift | 4.1K | — |
| 2026-04-28 | DRAKE FRED L | Sell | 16K | $28.93 |
| 2026-03-16 | HORVATH LAWRENCE J | Sell | 5.0K | $26.60 |
| 2026-03-16 | BUSCH PATRICK F | Sell | 15K | $26.48 |
| 2026-03-10 | BURWELL ERIC E | Buy | 4.0K | $26.24 |
| 2026-03-01 | Ruyle Nancy L | Grant | 21K | — |
| 2026-03-01 | Ashworth James T | Grant | 95K | — |
| 2026-03-01 | Ashworth James T | Grant | 34K | — |
| 2026-03-01 | Ashworth James T | Grant | 160K | — |
| 2026-02-28 | Baker Roger A | Grant | 600 | — |
| 2026-02-28 | KOCH LINDA J. | Grant | 600 | — |
| 2026-02-28 | CARTER JAMES LANCE | Grant | 5.3K | — |
| 2026-02-28 | CARTER JAMES LANCE | Tax withheld | 1.7K | $26.96 |
| 2026-02-28 | CARTER JAMES LANCE | Grant | 6.2K | — |
| 2026-02-28 | CARTER JAMES LANCE | Tax withheld | 1.8K | $26.96 |
| 2026-02-28 | ZURKAMER ANDREA E | Grant | 1.0K | — |
| 2026-02-28 | ZURKAMER ANDREA E | Tax withheld | 345 | $26.96 |
| 2026-02-28 | ZURKAMER ANDREA E | Grant | 1.3K | — |
| 2026-02-28 | ZURKAMER ANDREA E | Tax withheld | 445 | $26.96 |
| 2026-02-28 | SCHEIRER MARK W | Grant | 1.6K | — |
| 2026-02-28 | SCHEIRER MARK W | Tax withheld | 500 | $26.96 |
| 2026-02-28 | SCHEIRER MARK W | Grant | 1.6K | — |
| 2026-02-28 | SCHEIRER MARK W | Tax withheld | 557 | $26.96 |
| 2026-02-28 | LANIER DIANE H | Grant | 889 | — |
| 2026-02-28 | LANIER DIANE H | Grant | 1.4K | — |
| 2026-02-28 | HORVATH LAWRENCE J | Grant | 1.9K | — |
| 2026-02-28 | HORVATH LAWRENCE J | Tax withheld | 748 | $26.96 |
| 2026-02-28 | HORVATH LAWRENCE J | Grant | 3.0K | — |
| 2026-02-28 | HORVATH LAWRENCE J | Tax withheld | 1.0K | $26.96 |
| 2026-02-28 | PFEIFFER GERALD E | Grant | 600 | — |
| 2026-02-28 | BUSCH PATRICK F | Tax withheld | 461 | $26.96 |
| 2026-02-28 | DRAKE FRED L | Grant | 2.6K | — |
| 2026-02-28 | DRAKE FRED L | Tax withheld | 1.5K | $26.96 |
| 2026-02-28 | DRAKE FRED L | Grant | 7.8K | — |
| 2026-02-28 | DRAKE FRED L | Tax withheld | 2.3K | $26.96 |
| 2026-02-28 | BURWELL ERIC E | Grant | 600 | — |
| 2026-02-28 | BOWMAN C. ALVIN | Grant | 600 | — |
| 2026-02-28 | DRAKE ALLEN C | Grant | 600 | — |
| 2026-02-28 | Chapman Peter Robert | Grant | 2.6K | — |
| 2026-02-28 | Chapman Peter Robert | Tax withheld | 4.3K | $26.96 |
| 2026-02-28 | Chapman Peter Robert | Grant | 4.2K | — |
| 2026-02-28 | Chapman Peter Robert | Tax withheld | 1.8K | $26.96 |
| 2026-02-20 | DRAKE FRED L | Sell | 2.3K | $28.60 |
| 2026-02-18 | DRAKE FRED L | Sell | 2.0K | $28.74 |
| 2025-12-17 | Baker Roger A | Gift | 547K | — |
| 2025-11-12 | DRAKE FRED L | Gift | 46K | — |
| 2025-10-29 | Baker Roger A | Gift | 4.0K | — |
| 2025-05-28 | DRAKE ALLEN C | Gift | 330K | — |
| 2025-05-28 | DRAKE ALLEN C | Gift | 165K | — |
| 2025-05-28 | DRAKE ALLEN C | Gift | 165K | — |
| 2025-05-22 | DRAKE ALLEN C | Other | 1.5M | — |
| 2025-05-22 | DRAKE ALLEN C | Other | 5.9M | — |
| 2025-02-28 | Chapman Peter Robert | Tax withheld | 2.6K | $25.00 |
| 2025-02-28 | SCHEIRER MARK W | Grant | 1.6K | — |
| 2025-02-28 | SCHEIRER MARK W | Tax withheld | 461 | $25.00 |
| 2025-02-28 | SCHEIRER MARK W | Grant | 1.9K | — |
| 2025-02-28 | SCHEIRER MARK W | Tax withheld | 654 | $25.00 |
| 2025-02-28 | LANIER DIANE H | Grant | 931 | — |
| 2025-02-28 | LANIER DIANE H | Grant | 1.7K | — |
| 2025-02-28 | ZURKAMER ANDREA E | Grant | 1.1K | — |
| 2025-02-28 | ZURKAMER ANDREA E | Grant | 1.5K | — |
| 2025-02-28 | CARTER JAMES LANCE | Grant | 5.6K | — |
| 2025-02-28 | CARTER JAMES LANCE | Tax withheld | 1.6K | $25.00 |
| 2025-02-28 | CARTER JAMES LANCE | Grant | 7.3K | — |
| 2025-02-28 | CARTER JAMES LANCE | Tax withheld | 2.1K | $25.00 |
| 2025-02-28 | DRAKE FRED L | Grant | 2.8K | — |
| 2025-02-28 | DRAKE FRED L | Tax withheld | 1.8K | $25.00 |
| 2025-02-28 | DRAKE FRED L | Grant | 9.2K | — |
| 2025-02-28 | BUSCH PATRICK F | Tax withheld | 990 | $25.00 |
| 2025-02-28 | BUSCH PATRICK F | Grant | 6.9K | — |
| 2025-02-28 | BUSCH PATRICK F | Tax withheld | 2.1K | $25.00 |
| 2025-02-28 | BURWELL ERIC E | Grant | 600 | — |
| 2025-02-28 | Baker Roger A | Grant | 600 | — |
| 2025-02-28 | PFEIFFER GERALD E | Grant | 600 | — |
| 2025-02-28 | DRAKE ALLEN C | Grant | 600 | — |
| 2025-02-28 | KOCH LINDA J. | Grant | 600 | — |
| 2025-02-28 | BOWMAN C. ALVIN | Grant | 600 | — |
| 2025-02-28 | DRAKE FRED L | Tax withheld | 2.7K | $25.00 |
| 2025-02-28 | HORVATH LAWRENCE J | Grant | 2.0K | — |
| 2025-02-28 | HORVATH LAWRENCE J | Tax withheld | 787 | $25.00 |
| 2025-02-28 | HORVATH LAWRENCE J | Grant | 3.5K | — |
| 2025-02-28 | HORVATH LAWRENCE J | Tax withheld | 1.1K | $25.00 |
| 2025-02-28 | Chapman Peter Robert | Grant | 2.7K | — |
| 2025-02-14 | DRAKE FRED L | Sell | 2.8K | $25.22 |
| 2025-02-13 | DRAKE FRED L | Sell | 10K | $25.15 |
| 2025-02-11 | DRAKE FRED L | Sell | 5.0K | $25.02 |
| 2025-02-06 | DRAKE FRED L | Sell | 5.8K | $25.77 |
| 2025-02-05 | BUSCH PATRICK F | Sell | 8.0K | $24.77 |
| 2025-02-04 | DRAKE FRED L | Sell | 9.9K | $24.59 |
| 2025-01-31 | DRAKE FRED L | Sell | 5.1K | $24.81 |
| 2025-01-29 | DRAKE FRED L | Sell | 10K | $24.38 |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
| Date | Items | |
|---|---|---|
| 2026-05-21 | Shareholder vote | filing ↗ |
| 2026-04-29 | Acquisition/dispositionExhibits | filing ↗ |
| 2026-04-29 | Other | filing ↗ |
| 2026-04-27 | ResultsReg FDExhibits | filing ↗ |
| 2026-03-25 | Exec/director changeReg FDExhibits | filing ↗ |
| 2026-03-11 | Material agreementDebt obligationReg FDExhibits | filing ↗ |
| 2026-03-02 | Acquisition/dispositionExec/director changeReg FDExhibits | filing ↗ |
| 2026-02-02 | Other | filing ↗ |
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-05-21 | 2026-05-19 | 0000775215-26-000059 ↗ |
| 10-Q | 2026-05-06 | 2026-03-31 | 0000775215-26-000055 ↗ |
| 8-K | 2026-04-29 | 2026-04-28 | 0000775215-26-000052 ↗ |
| 8-K/A | 2026-04-29 | 2026-03-01 | 0000775215-26-000050 ↗ |
| 8-K | 2026-04-27 | 2026-04-27 | 0000775215-26-000046 ↗ |
| 8-K | 2026-03-25 | 2026-03-24 | 0000775215-26-000033 ↗ |
| 8-K | 2026-03-11 | 2026-03-11 | 0000775215-26-000028 ↗ |
| 10-K | 2026-03-06 | 2025-12-31 | 0000775215-26-000025 ↗ |
| 8-K | 2026-03-02 | 2026-03-01 | 0000775215-26-000021 ↗ |
| 8-K | 2026-02-02 | 2026-01-30 | 0000775215-26-000018 ↗ |
| 8-K | 2026-01-28 | 2026-01-27 | 0000775215-26-000013 ↗ |
| 8-K | 2026-01-26 | 2026-01-26 | 0000775215-26-000009 ↗ |