HBT Financial Announces Upcoming Ex-Dividend Date: A Closer Look at the Bank's Payout Sustainability

For income-focused investors, the calendar is marked by ex-dividend dates. The next one for shareholders of HBT Financial, Inc. (NASDAQ:HBT) is fast approaching, falling on February 9. This key date—one business day before the record date—determines eligibility for the upcoming dividend payment. Purchases made on or after February 9 will not qualify for the dividend of US$0.23 per share, scheduled for distribution on February 17.

Based on its current stock price of US$28.76 and the total dividends of US$0.92 paid over the last year, HBT Financial offers a trailing yield of approximately 3.2%. The core question for dividend sleuths, however, isn't just the yield but its reliability. A deep dive into the financials reveals encouraging signs: the company pays out a conservative 33% of its earnings, leaving a substantial cushion. Furthermore, HBT has demonstrated robust earnings per share (EPS) growth, averaging 13% annually over the past five years—a strong foundation for future dividend increases.

"The combination of double-digit EPS growth and a low payout ratio is a classic hallmark of a dividend stock with room to run," noted financial analyst Michael Thorne. "HBT appears to be reinvesting heavily for growth while consistently returning cash to shareholders. Their six-year average annual dividend growth of 7.4% supports this balanced approach."

However, not all observers share this optimism. "Let's not get carried away by backward-looking metrics," countered retail investor and vocal finance blogger, Sarah Chen. "The entire regional banking sector faces margin pressure and economic uncertainty. A 3.2% yield is decent, but is it enough to compensate for the potential volatility? I'd need to see more aggressive buybacks or a higher yield to be convinced this isn't just a 'me-too' dividend story."

Long-term investor David Reeves offered a more measured perspective: "I've held HBT for years. Their strategy has always been prudent. The sustainable payout ratio gives me confidence the dividend is safe even in a downturn. For a core holding in a diversified income portfolio, it checks the right boxes."

While past performance and current metrics paint a promising picture, the ultimate test lies ahead. The company's ability to maintain its earnings trajectory will be crucial for continuing its dividend growth streak. For investors seeking a blend of income and growth within the financial sector, HBT Financial warrants a closer look before its ex-dividend date passes.

This analysis is based on historical data and analyst forecasts. It is not intended as financial advice. Investors should consider their own objectives and financial situation before making any investment decision.