HBT Financial is a bank holding company. Through its bank subsidiary, Heartland Bank and Trust Company, Co. provides a suite of business, commercial and retail banking products and services to consumers, businesses, and municipal entities throughout Central and Northeastern Illinois and Eastern Iowa. Co.'s products and services are primarily deposit, lending, and ancillary products. Co. provides a range of lending products with a focus on regulatory commercial real estate (CRE), which includes non-owner occupied CRE, construction and land development and multi-family; commercial and industrial and owner-occupied CRE; agricultural and farmland; and one-to-four family residential loans. The HBT average annual return since 2019 is shown above.
The Average Annual Return on the HBT average annual return since 2019 page and across the coverage universe of our site,
is a measure of the annualized return over the past ten years (or specified start date) for a given investment
(up to the end of prior trading session recorded). Arguably, choosing ten years for a measurement
period is on the one hand completely arbitrary, but on the other hand provides a sufficiently long window
to capture long-term trends.
Thus, researching Average Annual Returns is good practice for investors — whether HBT average annual return since 2019 or other benchmarks/peers
— and when doing so it is also important to factor in dividends, because a financial instrument's annualized return is
more than just the change in price if that instrument pays a dividend or coupon. Our website aims to empower investors
by performing the HBT average annual return calculation with any dividends reinvested as applicable (on ex-dates).
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