HBT Financial Inc
HBT Financial Inc (HBT) Covered Calls
HBT Financial Inc trades in the Banks - Regional industry with an IV Rank of 28.17%, low versus the past year. HBT's highest covered call setup is the $40.00 strike expiring Nov 20, 2026, sorted by theoretical annualized return. It's 8.14% out of the money with 17 days to expiration, a 8.27% return until expiration, and a 177.62% theoretical annualized return. Across the setups shown, annualized returns run from 177.62% to 177.62% at strikes between $40.00 and $40.00, with 17 to 17 days to expiration, as of Nov 3, 2026.
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Running HBT covered calls helps you generate income from HBT Financial Inc shares you already own, turning a long stock position into a yield producing asset. A covered call means holding the underlying stock and selling a call option against it, collecting premium in exchange for capping upside at the strike. Use our scanner to find the best HBT covered calls in real time and filter for the strikes, expiries, and premiums that fit your strategy.
A covered call pairs limited risk with a clear income profile. If HBT stays below the strike at expiration, you keep the premium and the shares. If it rises above, you deliver the stock at the strike and still pocket the premium. Selling HBT covered calls works best when implied volatility is elevated, since richer premiums improve the risk reward. Key inputs include strike selection relative to delta, days to expiration, annualized return, and probability of assignment, all of which determine whether a given HBT covered call is worth writing.
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans.
| 2026-11-20 | 17 | 40.00 | 8.14 | 0.05 | 0.20 | 306.00 | 8.27 | 177.62 | -0.14 | +0.11 | 763 | 0.15 |
As of Nov 3, 2026
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- IndustryBanks - Regional
- SectorFinancial
- IV Rank28.17% Low
- Market cap (M$)1,350
- 52 weeks high-3.51%
- 52 weeks low65.94%
- Analyst recommendationBuy
2.00 - Target price$42.00
13.51% above the current stock price - Dividend—
- Payout ratio34.48%
- Earnings date2027-01-25
- P/E14.50
- Future P/E10.41
- EPS (ttm)2.56
- EPS growth next 5 years14.55%
As of Nov 5, 2026