Stock Ratings / Financials / HBT / earnings

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HBT Financial Inc. (HBT) Next Earnings Date & Expected ±4.7% Move

$36.80 +1.10% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $36.96

HBT Financial Inc. (HBT) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate) →

ROARABLE B- • BUY Cap $1.34B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $36.96 (+0.44%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 13/20 (C) • 2.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for HBT)Realized 20D OHLCV Swing Band: ±4.7%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY HBT SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (23% of score)

FRED Regime × Technicals: 94% of 52W Range • RSI-14 at 55.1 (BULLISH MOMENTUM)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning12/20 pts (-8 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-8 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$34.95+1.8% Next Q

Q2 (-2Q)

Grade C+$35.58+1.9% Next Q

Q3 (-1Q)

Grade B-$36.24+1.5% Next Q

Current

Grade B-$36.80+6.6% Hist 90D α

Trajectory: C+ (62) → B- (70)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the HBT Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 70/100 (B-) score, HBT faces multiple-compression risk if 17.4x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($35.92) or 200D SMA ($31.21) invalidates the momentum regime and cuts Target Base ($38.79) toward Bear Floor ($30.18).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $HBT• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “HBT Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 70%NO 30%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±4.7% Swing Band

±$1.73 Expected Swing

MODEL EARNINGS SETUP GAUGE

HBT Quantitative Pre-Earnings Setup: 70/100

Trailing EPS: $2.12 • YoY Revenue Growth: 12.4%

Model Bullish Setup (70/100)Model Risk Weight (30/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$0	$77.0M	$85.1M	52%
FY 2024	2024-12-31	$0	$71.8M	$89.4M	52%
FY 2023	2023-12-31	$0	$65.8M	$65.8M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating HBT & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on HBT
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

HBT // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +32.56%📐 HORIZONTAL RANGE

2026-10-30O $37.02H $37.14L $36.35C $36.80VOL 84.5K

RES: $37.73SUP: $34.55SMA50: $35.92SMA200: $31.21

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

HBT Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 HBT Butterfly Map → + Track HBT →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

10.4%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on HBT today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for HBT. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for HBT today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (HBT)

Financials Rank #149 of 1096 ⚔️ FMBH vs HBT Full Matrix →

1. Head-to-Head Financials Peer Comparison (HBT vs. FMBH, PEBO, CTBI, WABC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, HBT Financial Inc. (HBT) ranks #149 by composite RQD confidence (70/100, grade B-) and #510 by equity capitalization ($1.34B). Within this direct 5-issuer industry benchmark cohort, WABC leads on earnings valuation at 12.2x trailing P/E, while HBT leads on capital efficiency and profitability with 12.5% ROIC and — gross margin. PEBO currently holds the highest overall quantitative score in the immediate peer group at 72/100 (B) compared with HBT at 70/100 (B-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
HBT ACTIVE HBT Financial Inc.	B-	70/100	17.4x	—	12.5%	+1.10%	$1.34B	Benchmark Subject
FMBH First Mid Bancshares Inc.	C	62/100	14.8x	—	9.6%	+1.21%	$1.36B	/fmbh-vs-hbt →
PEBO Peoples Bancorp Inc.	B	72/100	13.1x	—	10.5%	+1.09%	$1.39B	/pebo-vs-hbt →
CTBI Community Trust Bancorp Inc.	B-	70/100	13.0x	—	11.5%	+0.97%	$1.27B	/ctbi-vs-hbt →
WABC Westamerica Bancorporation	C	63/100	12.2x	—	12.4%	+0.79%	$1.42B	/wabc-vs-hbt →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000775215

In its most recent audited fiscal period (FY2025, filed 2025-12-31), HBT Financial Inc. (HBT) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $77.0M, operating cash flow of $85.1M, and free cash flow of $85.1M (-4.8% YoY). On the balance sheet, HBT closed FY2025 with $5.07B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$77.0M	$85.1M	$85.1M	$5.07B	—
FY2024 (FY)	2024-12-31	$0	$71.8M	$89.4M	$89.4M	$5.03B	—
FY2023 (FY)	2023-12-31	$0	$65.8M	$65.8M	$65.8M	—	—

3. HBT Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is HBT stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, HBT Financial Inc. (NASDAQ: HBT) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $36.80 (+1.10% 1D, market cap $1.34B). Pillar breakdown: Fundamental Cash Engine 13/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, HBT ranks #149 in composite RQD confidence.

How does HBT compare to FMBH and PEBO in the Financials sector?

Within the Financials sector (Major Banks), HBT carries a Roarable B- (70/100 RQD), trailing P/E of 17.4x, gross margin of —, and ROIC of 12.5%. By comparison, FMBH (First Mid Bancshares Inc.) holds a C grade (62/100 RQD, P/E 14.8x, ROIC 9.6%, cap $1.36B) and PEBO (Peoples Bancorp Inc.) posts a B grade (72/100 RQD, P/E 13.1x, ROIC 10.5%, cap $1.39B). Among the 5-stock peer group, WABC leads on earnings multiple (12.2x) while HBT leads on capital efficiency (12.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for HBT?

Per HBT's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000775215), HBT Financial Inc. generated $0 in revenue, $77.0M in net income, and $85.1M in free cash flow against $5.07B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is HBT trading relative to its 50-day, 200-day, and 52-week technical levels?

HBT last traded at $36.80 (+1.10% on volume of 123,629 shares), positioning the stock +2.45% above its 50-day simple moving average ($35.92) and +17.91% above its 200-day simple moving average ($31.21). Across its 52-week range of $22.37 to $37.71, HBT sits at the 94.1% percentile with a 14-day RSI of 55.1 (BULLISH MOMENTUM) and an implied next-earnings move of ±4.7% ($35.07 to $38.53).

HBT Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is HBT's next earnings date?

Based on SEC filing cadence, HBT Financial Inc. (HBT)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is HBT stock expected to move on earnings?

Volatility modeling currently projects a ±4.7% event move for HBT, spanning a range between $35.07 and $38.53.

Direct Sub-Reports: HBT RQD Cockpit HBT 12M Forecast HBT Earnings & Move HBT Dividends & DRIP HBT Insiders & 13F HBT Whale Options HBT Profit Sankey HBT News & Why