Hbt Financial Inc (HBT) - Net Assets
Based on the latest financial reports, Hbt Financial Inc (HBT) has net assets worth $747.40 Million USD as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.77 Billion) and total liabilities ($6.03 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. Check HBT goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $747.40 Million |
| % of Total Assets | 11.03% |
| 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. See HBT defensive asset coverage days to measure how many days the company can operate on defensive assets alone.
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. For live valuation and market cap data, see Hbt Financial Inc (HBT) market capitalisation.
| 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 |
|---|---|
|
Global Infotech Co Ltd
SHE:300465
|
$1.03 Billion |
|
Hunan Heshun Petroleum Co Ltd
SHG:603353
|
$1.03 Billion |
|
Bangkok Chain Hospital Public Company Limited
BK:BCH-R
|
$1.03 Billion |
|
Ayalon Holdings Ltd
TA:AYAL
|
$1.03 Billion |
|
SDI Corp
TW:2351
|
$1.03 Billion |
|
E2open Parent Holdings Inc
NYSE:ETWO
|
$1.03 Billion |
|
Beijing Hotgen Biotech Co Ltd
SHG:688068
|
$1.03 Billion |
|
Hunan Er Kang Pharmaceutical
SHE:300267
|
$1.03 Billion |
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.
- Dividend payments of 26,609,000 reduced retained earnings.
- Share repurchases of 4,505,000 reduced equity.
- Other comprehensive income decreased equity by 273,550,000.
- Other factors increased equity by 298,549,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $77.01 Million | +12.51% |
| Dividends Paid | $26.61 Million | -4.32% |
| Share Repurchases | $4.50 Million | -0.73% |
| Other Comprehensive Income | $-273.55 Million | -44.44% |
| Other Changes | $298.55 Million | +48.51% |
| 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: 1.52x
- 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 2.43x to 1.52x 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 | $29.85 | x |
| 2018-12-31 | $12.93 | $29.85 | x |
| 2019-12-31 | $159.66 | $29.85 | x |
| 2020-12-31 | $130.74 | $29.85 | x |
| 2021-12-31 | $152.44 | $29.85 | x |
| 2022-12-31 | $12.92 | $29.85 | x |
| 2023-12-31 | $15.42 | $29.85 | x |
| 2024-12-31 | $17.17 | $29.85 | x |
| 2025-12-31 | $19.58 | $29.85 | 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 above the historical average (10.53%), indicating improving 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 | 2.08% | 38.46% | 0.05x | 1.01x | $-253.89 Million |
| 2020 | 1.03% | 23.50% | 0.04x | 1.02x | $-322.12 Million |
| 2021 | 1.33% | 34.26% | 0.04x | 1.02x | $-367.45 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: $389,399,400
- Average return on equity (ROE) among peers: 10.20%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Hbt Financial Inc (HBT) | $747.40 Million | 17.32% | 8.06x | $1.03 Billion |
| Ameris Bancorp (ABCB) | $514.76 Million | 7.94% | 9.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $68.20 Million | 10.85% | 9.15x | $5.79 Billion |
| ACNB Corporation (ACNB) | $51.46 Million | 12.55% | 7.93x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $137.13 Million |
| Alerus Financial Corp (ALRS) | $127.25 Million | 8.42% | 8.09x | $736.27 Million |
| Amalgamated Bank (AMAL) | $508.95 Million | 16.01% | 14.41x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $1.00 Billion | 3.23% | 8.67x | $974.56 Million |
| Arrow Financial Corporation (AROW) | $431.85 Million | 10.18% | 9.29x | $622.98 Million |
| Associated Banc-Corp (ASB) | $968.70 Million | 17.34% | 12.55x | $5.45 Billion |
| AmeriServ Financial Inc (ASRV) | $141.70 Million | 14.89% | 15.78x | $62.43 Million |
About 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