Is HBT Financial, Inc. HBT stock halal to invest in?

No, as of August 2026, HBT Financial, Inc. stock (HBT) is not currently classified as a Shariah compliant stock. This verdict follows the screening methodology of AAOIFI (the Accounting and Auditing Organization for Islamic Financial Institutions), whose Shariah Standard No. 21 is the leading global benchmark for screening halal stocks. To qualify as halal under this standard, a company must keep non-permissible income below 5% of total revenue, keep both interest-bearing investments and interest-bearing debt below 30% of market capitalisation, and have no impermissible preference share structure. HBT Financial, Inc. currently does not meet the threshold for the non-permissible income screen. Because screenings are refreshed monthly as new financial reports are published, a non-compliant stock can regain compliant status if its financial structure changes. You can track the latest status of HBT Financial, Inc. and discover Shariah compliant alternatives among the halal stocks in the Tabadulat app.

How often is HBT Financial, Inc. HBT reviewed for Shariah compliance?

Tabadulat reviews HBT Financial, Inc. HBT for Shariah compliance every month. Each review applies the AAOIFI Shariah Standard No. 21 methodology, screening the company's business activities, non-permissible income, interest-bearing investments, interest-bearing debt, and preference shares, against the company's latest available financial data. The process operates under the direct supervision of Tabadulat's dedicated Shariah Supervisory Board of Islamic finance scholars. Because compliance depends on financial ratios that move with market capitalisation and reported results, a stock's status can change from one review to the next. Monthly screening ensures the status shown for HBT Financial, Inc. reflects current financial data rather than an outdated assessment, and Tabadulat app users are notified if a holding in their portfolio becomes non-compliant.

Does HBT Financial, Inc. HBT pass the AAOIFI Non Permissible Income criteria?

No, as of August 2026, HBT Financial, Inc. stock (HBT) does not pass the AAOIFI non-permissible income screen. Under AAOIFI Shariah Standard No. 21, income from impermissible sources (such as interest or riba, conventional financial services, alcohol, gambling, or tobacco) must remain below 5% of a company's total revenue. HBT Financial, Inc.'s income from non-permissible sources currently exceeds this 5% ceiling, which makes the stock non-compliant on this criterion regardless of how it performs on the other screens. The screen is reassessed monthly, so the status can change when the company releases new financial statements.

Does HBT Financial, Inc. HBT pass the AAOIFI Interest Bearing Investments criteria?

Yes, as of August 2026, HBT Financial, Inc. stock (HBT) passes the AAOIFI interest-bearing investments screen. Under AAOIFI Shariah Standard No. 21, the cash a company places in interest-earning instruments (such as conventional deposits, bonds, treasury bills and money-market funds) must remain below 30% of its market capitalisation. This limit ensures shareholders are not materially profiting from riba (interest). HBT Financial, Inc.'s interest-bearing investments are currently within the 30% threshold. Because the ratio is measured against market capitalisation, it can move with the share price as well as the balance sheet, which is why Tabadulat rescreens the stock every month.

Does HBT Financial, Inc. HBT pass the AAOIFI Interest Bearing Debt criteria?

Yes, as of August 2026, HBT Financial, Inc. stock (HBT) passes the AAOIFI interest-bearing debt screen. Under AAOIFI Shariah Standard No. 21, a company's borrowings that accrue interest (conventional bank loans, bonds and similar riba-based financing) must remain below 30% of its market capitalisation. This cap limits shareholders' exposure to interest-based leverage. HBT Financial, Inc.'s interest-bearing debt is currently within the 30% threshold. Because market capitalisation changes daily, a company's debt ratio can drift toward or away from the limit even without new borrowing, which is why this screen is reassessed every month.

What is the dividend purification factor for HBT Financial, Inc. HBT stock?

HBT Financial, Inc. (HBT) is currently classified as not Shariah compliant, so no dividend purification factor applies, because purification factors are calculated only for stocks that pass the AAOIFI screens. Purification (tazkiyah) is the practice of donating to charity the small portion of dividend income that stems from incidental non-permissible sources, such as interest earned on a compliant company's cash deposits. For non-compliant stocks the issue is not purification but eligibility: under AAOIFI Shariah Standard No. 21 the stock does not currently qualify as a halal investment. If HBT Financial, Inc. returns to compliance in a future monthly screening, its purification factor will be published alongside its updated status in the Tabadulat app.

Does HBT Financial, Inc. HBT pass the AAOIFI Preference Share screen?

Yes, as of August 2026, HBT Financial, Inc. stock (HBT) passes the AAOIFI preference share screen. AAOIFI Shariah Standard No. 21 prohibits investing in preference shares because they grant holders guaranteed or priority rights to dividends and capital ahead of ordinary shareholders, a structure that conflicts with the Shariah principle that investors should share profit and loss in proportion to their ownership. HBT Financial, Inc. has no impermissible preference share structure affecting its ordinary shares, so the stock is compliant on this criterion. Like all AAOIFI screens, this is verified in each monthly review.

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HBT Financial, Inc.

NASDAQ

Shariah-Compliant

Not Shariah

HBT

About

HBT Financial, Inc.

HBT

HBT Financial Inc. is a prominent regional bank holding company that primarily engages in providing finance-related services in the United States. It plays a crucial role in the financial sector by offering a comprehensive suite of banking services which includes commercial, retail banking, and wealth management. Serving communities in Illinois, Wisconsin, and other regions, HBT Financial Inc. facilitates economic growth by providing loans, credit facilities, and depository services to small businesses, corporations, and individual clients. A key feature of HBT Financial Inc. is its deep-rooted focus on community banking, which emphasizes personalized service and strong customer relationships. This approach allows HBT Financial to support local economies by understanding and catering to the specific needs of its clientele. Moreover, the company’s commitment to sound and prudent financial management strengthens its position in the markets it serves. As an integral component of the regional financial ecosystem, HBT Financial Inc. contributes significantly to local economic development by enabling access to necessary financial resources and promoting financial stability and efficiency across the communities within its operational territory.

Sector:

Financial Services

Industry:

Banks - Regional

Employees:

844

Website:

https://ir.hbtfinancial.com

HBT

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HBT Financial, Inc.

About

HBT Financial, Inc.

HBT

Frequently asked questions

Is HBT Financial, Inc. HBT stock halal to invest in?

How often is HBT Financial, Inc. HBT reviewed for Shariah compliance?

Does HBT Financial, Inc. HBT pass the AAOIFI Non Permissible Income criteria?

Does HBT Financial, Inc. HBT pass the AAOIFI Interest Bearing Investments criteria?

Does HBT Financial, Inc. HBT pass the AAOIFI Interest Bearing Debt criteria?

What is the dividend purification factor for HBT Financial, Inc. HBT stock?

Does HBT Financial, Inc. HBT pass the AAOIFI Preference Share screen?

Can I buy HBT Financial (HBT) stock on Tabadulat?

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