HBT Financial, Inc.
HBTFinancial Services · Stock · quarterly payer
Forward Yield
2.78%
Annual Dividend
$1.00
Payout Ratio
37%
5-Yr Growth
7.0%
Ex-Date
Aug 11, 2026
Frequency
Quarterly
Summary
As of September 2026, HBT Financial, Inc. (HBT) yields 2.78% ($1.00 per share annually), with a blended fair-value estimate of $74.25 — +106% upside, so it screens as undervalued. Dividend safety grade: A (82/100). 4 years of dividend growth.
Is HBT a good dividend stock?
YesHBT Financial, Inc. (HBT) pays a quarterly dividend yielding 2.78% ($1.00/yr), with 4 years of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Never cut its dividend on record
- Comfortable payout ratio (37%)
- Strong 7.0% 5-yr dividend growth
- 100% total price return over 5 years
- Top-tier dividend safety score
Risks
- Single-stock concentration risk — diversify
Key Data
- Dividend Yield
- 2.78%
- Payout Ratio
- 37%
- Annual Dividend
- $1.00
- 5-Yr Avg Growth
- 7.0%
- Ex-Dividend Date
- Aug 11, 2026
- Years of Growth
- 4
- Frequency
- quarterly
- Beta
- 0.50
- Market Cap
- $1.3B
- P/E Ratio
- 15.3
- 5-Yr Total Return
- 100%
- 52-Week Range
- $22.36 – $37.51
- Dividend Safety
- A · 82/100
- Ever Cut?
- No
Frequently Asked Questions
HBT Price — Last 12 Months
Daily close
Price Return
1 Year
+48%
3 Years
+100%
5 Years
+100%
52-Week Range
$22.36 – $37.51
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is HBT worth?
Undervaluedlow confidenceOur blended fair-value estimate for HBT Financial, Inc. is $74.25 per share, versus a market price of $36.01. That implies 106% of upside — a margin of safety of about 52%.
Fair Value
$74.25
Current Price
$36.01
Upside
+106%
Margin of Safety
52%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -2.7% annual free-cash-flow growth. We model 20.0% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 20.0% stage-1 growth, 2.5% terminal growth, $2.35 EPS, $1.00 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
HBT Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Aug 11, 2026 | — | $0.2500 | regular |
| May 12, 2026 | — | $0.2300 | regular |
| Feb 9, 2026 | — | $0.2300 | regular |
| Nov 3, 2025 | — | $0.2100 | regular |
| Aug 5, 2025 | — | $0.2100 | regular |
| May 6, 2025 | — | $0.2100 | regular |
| Feb 4, 2025 | — | $0.2100 | regular |
| Nov 4, 2024 | — | $0.1900 | regular |
| Aug 6, 2024 | — | $0.1900 | regular |
| May 6, 2024 | — | $0.1900 | regular |
| Feb 5, 2024 | — | $0.1900 | regular |
| Nov 6, 2023 | — | $0.1700 | regular |
| Aug 7, 2023 | — | $0.1700 | regular |
| May 8, 2023 | — | $0.1700 | regular |
Income Calculator
At $1.00 / yr per share
