Stock AnalizHBT Financial, Inc. HBT
Major Banks · IPO 2019 · data as of November 13, 2026
HBT Financial, Inc. (HBT) is a financial company listed in the US with a market value of about $1.3B. In the twelve months to September 30, 2026 it had revenue of $293M and net income of $89M, a net margin of 30.5%.
Its overall Stock Analiz score is 3.2 out of 5 (average). The strongest part is value (4/5); the weakest is future growth (1/5).
Key numbers: a P/E of 14.4, a price to free cash flow of 14.3, 5-year revenue growth of 9% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 12% above the current price.
Score: 3.2 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- 5-year revenue growth above 8% a year
- Profitable 5 years in a row
Checks not passed
- P/E below the industry median
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year average ROIC above 12%
- ROE above 15%
- Liabilities below 60% of assets
Valuation
Growth and quality
Financials, last 9 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $293M | $237M | $224M | $227M | $181M | $160M | $152M | $167M | $161M | $154M |
| Net income | $89M | $77M | $72M | $66M | $56M | $56M | $37M | $67M | $64M | $56M |
| Free cash flow | $94M | — | — | — | — | — | $31M | $89M | — | — |
| EPS (diluted) | $2.56 | $2.44 | $2.26 | $2.07 | $1.95 | $2.02 | $1.34 | $3.33 | $3.54 | $3.10 |
| Net margin | 30.5% | 32.5% | 32.0% | 29.0% | 31.3% | 35.2% | 24.2% | 40.2% | 39.7% | 36.4% |
| ROIC | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $42.00, 14% above the current price; targets range from $39.00 to $46.00; the consensus rating is “none”; expected EPS is $3.15 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is HBT Financial’s P/E ratio?
About 14.4, based on the last twelve months of diluted earnings per share (forward P/E about 10.8).
Is HBT Financial stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 12% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does HBT Financial pay a dividend?
Yes. The dividend yield is about 2.68%, and it has paid dividends for 9 years in our data.
Is HBT Financial a good stock to buy?
We do not give buy or sell advice. HBT Financial scores 3.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.