Hbt Financial Inc
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides financial products and services to consumers, businesses, and municipal entities in Illinois and Eastern Iowa. The company offers deposit account services, such as noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificat… Read more
Hbt Financial Inc (HBT) - Net Assets
Latest net assets as of December 2025: $615.50 Million USD
Based on the latest financial reports, Hbt Financial Inc (HBT) has net assets worth $615.50 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($5.07 Billion) and total liabilities ($4.46 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $615.50 Million |
| % of Total Assets | 12.14% |
| Annual Growth Rate | 8.36% |
| 5-Year Change | -85.47% |
| 10-Year Change | N/A |
| Growth Volatility | 280.85 |
Hbt Financial Inc - Net Assets Trend (2017–2025)
This chart illustrates how Hbt Financial Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Hbt Financial Inc (2017–2025)
The table below shows the annual net assets of Hbt Financial Inc from 2017 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $615.50 Million | +13.02% |
| 2024-12-31 | $544.61 Million | +11.26% |
| 2023-12-31 | $489.50 Million | +31.01% |
| 2022-12-31 | $373.63 Million | -91.18% |
| 2021-12-31 | $4.24 Billion | +18.04% |
| 2020-12-31 | $3.59 Billion | +11.91% |
| 2019-12-31 | $3.21 Billion | +842.29% |
| 2018-12-31 | $340.40 Million | +5.09% |
| 2017-12-31 | $323.92 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Hbt Financial Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 24.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $367.16 Million | 59.65% |
| Common Stock | $329.00K | 0.05% |
| Other Comprehensive Income | $-23.02 Million | -3.74% |
| Other Components | $271.02 Million | 44.03% |
| Total Equity | $615.50 Million | 100.00% |
Hbt Financial Inc Competitors by Market Cap
The table below lists competitors of Hbt Financial Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Vox Royalty Corp. Common Stock
NASDAQ:VOXR
|
$374.45 Million |
|
Digital Turbine Inc
NASDAQ:APPS
|
$374.51 Million |
|
Personalis Inc
NASDAQ:PSNL
|
$374.63 Million |
|
JAPAN AVIATION EL.
F:8N9
|
$374.64 Million |
|
Suzhou Etron Technologies Co Ltd
SHG:603380
|
$374.23 Million |
|
Uwc Bhd
KLSE:5292
|
$374.15 Million |
|
Jiangsu Seagull Cooling Tower
SHG:603269
|
$374.06 Million |
|
Archean Chemical Industries Limited
NSE:ACI
|
$374.06 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Hbt Financial Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 544,605,000 to 615,498,000, a change of 70,893,000 (13.0%).
- Net income of 77,008,000 contributed positively to equity growth.
- Share repurchases of 4,505,000 reduced equity.
- Other comprehensive income decreased equity by 273,550,000.
- Other factors increased equity by 271,940,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $77.01 Million | +12.51% |
| Share Repurchases | $4.50 Million | -0.73% |
| Other Comprehensive Income | $-273.55 Million | -44.44% |
| Other Changes | $271.94 Million | +44.18% |
| Total Change | $- | 13.02% |
Book Value vs Market Value Analysis
This analysis compares Hbt Financial Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.36x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.16x to 1.36x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2017-12-31 | $12.30 | $26.55 | x |
| 2018-12-31 | $12.93 | $26.55 | x |
| 2019-12-31 | $16.57 | $26.55 | x |
| 2020-12-31 | $13.25 | $26.55 | x |
| 2021-12-31 | $14.82 | $26.55 | x |
| 2022-12-31 | $12.92 | $26.55 | x |
| 2023-12-31 | $15.42 | $26.55 | x |
| 2024-12-31 | $17.17 | $26.55 | x |
| 2025-12-31 | $19.58 | $26.55 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Hbt Financial Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.51%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 26.25%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.24x
- Recent ROE (12.51%) is below the historical average (14.91%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2017 | 17.32% | 35.56% | 0.05x | 10.23x | $23.71 Million |
| 2018 | 18.74% | 38.44% | 0.05x | 9.55x | $29.76 Million |
| 2019 | 20.08% | 38.46% | 0.05x | 9.75x | $33.57 Million |
| 2020 | 10.12% | 23.50% | 0.04x | 10.08x | $453.30K |
| 2021 | 13.66% | 34.26% | 0.04x | 10.47x | $15.08 Million |
| 2022 | 15.11% | 30.24% | 0.04x | 11.47x | $19.09 Million |
| 2023 | 13.45% | 24.97% | 0.05x | 10.36x | $16.89 Million |
| 2024 | 13.18% | 25.17% | 0.06x | 9.24x | $17.32 Million |
| 2025 | 12.51% | 26.25% | 0.06x | 8.24x | $15.46 Million |
Industry Comparison
This section compares Hbt Financial Inc's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Hbt Financial Inc (HBT) | $615.50 Million | 17.32% | 7.24x | $374.41 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |