HBT
NEUTRAL
$28.25
Live
HBT Financial, Inc. · NASDAQ
Target $30.2
(+6.9%)
$21.0
52W Range
$29.88
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 11, 2026
Market cap
$1.03B
P/E
11.58
ROE
13.3%
Profit margin
32.9%
Debt/Equity
N/A
Dividend yield
3.26%
AI Analysis
AI-powered fundamental assessment
Confidence
85%
HBT presents a conflicting profile with a stable Piotroski F-Score of 4/9 and a Graham Number ($32.79) suggesting undervaluation, yet an Intrinsic Value ($17.08) that indicates significant overvaluation. While the company maintains a strong track record of earnings beats and a sustainable dividend, current growth metrics are concerning with negative YoY earnings growth (-6.30%). The bearish insider sentiment and low technical trend score offset the positive analyst recommendations, suggesting a period of stagnation or correction.
Key Strengths
Low P/E ratio (11.58) and Forward P/E (9.21) relative to broader financial sector averages
Consistent history of beating quarterly earnings estimates over 25 quarters
Sustainable dividend profile with a conservative payout ratio of 34.43%
Healthy ROA (1.52%) and ROE (13.28%) typical of a well-managed regional bank
Strong long-term price performance with a 5-year change of +97.2%
Key Risks
Negative earnings growth both YoY (-6.30%) and Q/Q (-6.60%)
Stagnant revenue growth (1.10% YoY) indicating a lack of expansion
Bearish insider activity with four sell transactions and zero buys in the last 6 months
Significant gap between current price ($28.25) and growth-based intrinsic value ($17.08)
Low technical trend score (10/100) suggesting a potential loss of momentum
AI Fair Value Estimate
Based on comprehensive analysis
$24.94
-11.7% below current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
61
Strong
65
35
85
50
70
AI Verdict
Hold
Key drivers: Strong historical earnings beats, Negative current growth trajectory, Valuation discrepancy between Graham and Intrinsic models, Bearish insider sentiment
Confidence
80%
Value
65/100
P/E 11.58, Graham Number $32.79
Positives
- Trades below Graham Number
- Low P/E ratio
Watchpoints
- Trades significantly above growth-based intrinsic value
Future
35/100
Earnings Growth -6.30% YoY
Positives
- Positive Q/Q revenue growth (2.95%)
Watchpoints
- Negative YoY earnings growth
- Negative Q/Q earnings growth
Past
85/100
5Y Change +97.2%
Positives
- Exceptional 5Y and 3Y price returns
- Long-term consistency in EPS surprises
Watchpoints
- Recent deceleration in growth
Health
50/100
Piotroski F-Score 4/9
Positives
- Stable Piotroski score
Watchpoints
- Piotroski F-Score is only 4/9, indicating mediocre financial strength
Dividend
70/100
Yield 3.26%, Payout 34.43%
Positives
- Sustainable payout ratio
- Consistent yield
Watchpoints
- Moderate yield compared to high-yield bank peers
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$28.25
Analyst Target
$30.2
Upside/Downside
+6.9%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for HBT and closest competitors.
Updated 2026-04-10
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
HBT
HBT Financial, Inc.
Primary
|
+97.2% | +65.3% | +37.0% | +22.5% | +8.9% | +3.0% |
|
BBN
BlackRock Taxable Municipal Bond Trust
Peer
|
-13.7% | +11.9% | +7.6% | +6.2% | -2.6% | -0.8% |
|
AOD
Abrdn Total Dynamic Dividend Fund
Peer
|
+75.1% | +66.9% | +30.6% | +16.2% | +1.2% | +0.8% |
|
ESQ
Esquire Financial Holdings, Inc.
Peer
|
+419.6% | +227.2% | +53.9% | +11.0% | +16.5% | +5.9% |
|
BTZ
BlackRock Credit Allocation Income Trust
Peer
|
+10.0% | +27.0% | +9.4% | +0.8% | -1.4% | -0.1% |
HBT
HBT Financial, Inc.
Primary
5Y
+97.2%
3Y
+65.3%
1Y
+37.0%
6M
+22.5%
1M
+8.9%
1W
+3.0%
BBN
BlackRock Taxable Municipal Bond Trust
Peer
5Y
-13.7%
3Y
+11.9%
1Y
+7.6%
6M
+6.2%
1M
-2.6%
1W
-0.8%
AOD
Abrdn Total Dynamic Dividend Fund
Peer
5Y
+75.1%
3Y
+66.9%
1Y
+30.6%
6M
+16.2%
1M
+1.2%
1W
+0.8%
ESQ
Esquire Financial Holdings, Inc.
Peer
5Y
+419.6%
3Y
+227.2%
1Y
+53.9%
6M
+11.0%
1M
+16.5%
1W
+5.9%
BTZ
BlackRock Credit Allocation Income Trust
Peer
5Y
+10.0%
3Y
+27.0%
1Y
+9.4%
6M
+0.8%
1M
-1.4%
1W
-0.1%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
11.58
Forward P/E
9.21
PEG Ratio
N/A
P/B Ratio
1.44
P/S Ratio
4.4
EV/Revenue
3.55
EV/EBITDA
N/A
Market Cap
$1.03B
Profitability
Profit margins and return metrics
Profit Margin
32.92%
Operating Margin
46.08%
Gross Margin
N/A
ROE
13.28%
ROA
1.52%
Growth
Revenue and earnings growth rates
Revenue Growth
+1.1%
Earnings Growth
-6.3%
Q/Q Revenue Growth
+2.95%
Q/Q Earnings Growth
-6.6%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$3.98
Financial Statement Flow
Interactive flow visualization showing how money moves through the company Q4 2025
Revenue
$0.1B
Net Margin
31.5%
Total Assets
$5.1B
Liabilities
$4.5B
Equity
$0.6B
Debt/Equity
7.24x
Operating CF
$0.0B
CapEx
$-0.0B
Free Cash Flow
$0.0B
FCF Yield
81%
Quarterly Earnings History
EPS performance vs analyst estimates
2026-04-20
$N/A
2026-01-26
$0.64
+0.3% surprise
2025-10-20
$0.65
+4.8% surprise
2025-07-21
$0.63
+4.7% surprise
Financial Services Sector Comparison
Comparing HBT against 341 companies in the Financial Services sector
(60 bullish, 147 neutral, 134 bearish)
P/E Ratio
11.58
This Stock
vs
54.09
Sector Avg
-78.6%
(Discount)
Return on Equity (ROE)
13.28%
This Stock
vs
-0.66%
Sector Avg
-2107.3%
(Below Avg)
Profit Margin
32.92%
This Stock
vs
63.27%
Sector Avg
-48.0%
(Weaker)
Revenue Growth
1.1%
This Stock
vs
44.9%
Sector Avg
-97.6%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
HBT
HBT Financial, Inc.
|
NEUTRAL | $1.03B | 11.58 | 13.3% | 32.9% | $28.25 | |
|
BBN
BlackRock Taxable...
|
BEARISH | $1.0B | 19.11 | -% | -% | $16.24 | Compare |
|
AOD
Abrdn Total Dynamic Dividend Fund
|
NEUTRAL | $1.05B | 6.45 | 15.9% | 227.2% | $10.0 | Compare |
|
ESQ
Esquire Financial Holdings, Inc.
|
BULLISH | $992.97M | 18.97 | 19.3% | 37.1% | $114.97 | Compare |
|
BTZ
BlackRock Credit...
|
NEUTRAL | $986.44M | 9.61 | 9.8% | 99.8% | $10.57 | Compare |
HBT
HBT Financial, Inc.
NEUTRAL
Mkt Cap
$1.0B
P/E
11.6
ROE
13.3%
Price
$28.25
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-03-16 | BUSCH PATRICK F | Director | Sale | 15,000 | $397,200 |
| 2026-03-16 | HORVATH LAWRENCE J | Officer | Sale | 5,000 | $133,000 |
| 2026-03-10 | BURWELL ERIC E | Director | Purchase | 4,000 | $104,960 |
| 2026-02-27 | DRAKE FRED L | Officer, Director and Beneficial Owner | Stock Award | 10,426 | - |
| 2026-02-27 | BOWMAN C ALVIN | Director | Stock Award | 600 | - |
| 2026-02-27 | DRAKE ALLEN C | Director | Stock Award | 600 | - |
| 2026-02-27 | SCHEIRER MARK W | Officer | Stock Award | 3,168 | - |
| 2026-02-27 | PFEIFFER GERALD E | Director | Stock Award | 600 | - |
| 2026-02-27 | CARTER JAMES LANCE | Chief Executive Officer | Stock Award | 11,504 | - |
| 2026-02-27 | BURWELL ERIC E | Director | Stock Award | 600 | - |
| 2026-02-27 | HORVATH LAWRENCE J | Officer | Stock Award | 4,891 | - |
| 2026-02-27 | LANIER DIANE H | Officer | Stock Award | 2,323 | - |
| 2026-02-27 | KOCH LINDA J | Director | Stock Award | 600 | - |
| 2026-02-27 | BAKER ROGER A. | Director | Stock Award | 600 | - |
| 2026-02-27 | ASHWORTH JAMES | Director | Stock Award | 288,951 | - |
BUSCH PATRICK F
Director
2026-03-16
15,000 shares
·
$397,200
HORVATH LAWRENCE J
Officer
2026-03-16
5,000 shares
·
$133,000
BURWELL ERIC E
Director
2026-03-10
4,000 shares
·
$104,960
DRAKE FRED L
Officer, Director and Beneficial Owner
2026-02-27
10,426 shares
BOWMAN C ALVIN
Director
2026-02-27
600 shares
DRAKE ALLEN C
Director
2026-02-27
600 shares
SCHEIRER MARK W
Officer
2026-02-27
3,168 shares
PFEIFFER GERALD E
Director
2026-02-27
600 shares
CARTER JAMES LANCE
Chief Executive Officer
2026-02-27
11,504 shares
BURWELL ERIC E
Director
2026-02-27
600 shares
HORVATH LAWRENCE J
Officer
2026-02-27
4,891 shares
LANIER DIANE H
Officer
2026-02-27
2,323 shares
KOCH LINDA J
Director
2026-02-27
600 shares
BAKER ROGER A.
Director
2026-02-27
600 shares
ASHWORTH JAMES
Director
2026-02-27
288,951 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
5 analysts
Piper Sandler
2026-03-13
Neutral
Neutral
Raymond James
2026-01-07
Market Perform
Outperform
Piper Sandler
2025-10-21
Neutral
Neutral
Past News Coverage
Recent headlines mentioning HBT from our newsroom.
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