HBT Stock — Hbt Financial Inc

Hbt Financial Inc (HBT)

Updated October 16, 2026.

HBT is a Stock. its distribution rate is 2.81%, its trailing-12-month yield is 2.59%. Dividend Vision Distribution Safety Score™ is 97/100 (Safe). Total return is 192.4% over the past 7 years, 7.7 points ahead of SPY at 184.7%.

HBT Financial is a bank holding company operating Heartland Bank and Trust Company, providing deposit accounts, commercial and residential lending, mortgage services, trust and investment management, and digital banking to consumers, businesses, and municipalities across Illinois and Eastern Iowa. The company distributes dividends quarterly at a modest current rate. This business appeals to income-focused investors seeking exposure to regional banking operations.

HBT performance versus SPY

Price and return data through 2026-10-16.

Total return is 192.4% over the past 7 years, 7.7 points ahead of SPY at 184.7%. Over the past year its total return — price change plus distributions reinvested — is 58.5%. Its deepest 1-year drawdown was 12.0%.

HBT key facts

Distribution Safety Score™

97 · Safe

Safety-Adjusted Yield

2.73%

Asset type

Stock

Asset class

Equity

Inception date

10/11/2019

Distribution rate

2.81%

Distribution frequency

Quarterly

Trailing yield

2.59%

5-year average yield

3.28

Last close

$35.58 (as of 2026-10-16)

Market cap

$1,293,888,475

Average volume

118009.0

Dividend

$0.25

Ex-dividend date

08/11/2026

Payment date

08/18/2026

Beta

0.487

Payout ratio

38.2%

P/E ratio

15.14

Forward P/E

10.2225

EPS

$2.35

How Dividend Vision calculates yield and returns

Distribution rate (2.81%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (2.59%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

HBT risks and drawbacks

HBT's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are quarterly, so cash flow is lumpy versus a monthly fund. The deepest 1-year drawdown on record here is 12.0%.

Who may consider HBT — and who may not

HBT may suit someone looking for a high Distribution Safety Score, moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (HBT pays quarterly); investors hunting double-digit covered-call yields. This is educational context, not a recommendation to buy or sell.

More on HBT

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Tagged: Financials, Dividend.

Frequently asked questions