Hbt Financial Inc (HBT) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Hbt Financial Inc stock (HBT) is currently trading at $26.74. Hbt Financial Inc PE ratio is 10.74. Hbt Financial Inc PS ratio (Price-to-Sales) is 4.08. Analyst consensus price target for HBT is $30.20. WallStSmart rates HBT as Underperform.
- HBT PE ratio analysis and historical PE chart
- HBT PS ratio (Price-to-Sales) history and trend
- HBT intrinsic value — DCF, Graham Number, EPV models
- HBT stock price prediction 2025 2026 2027 2028 2029 2030
- HBT fair value vs current price
- HBT insider transactions and insider buying
- Is HBT undervalued or overvalued?
- Hbt Financial Inc financial analysis — revenue, earnings, cash flow
- HBT Piotroski F-Score and Altman Z-Score
- HBT analyst price target and Smart Rating
Hbt Financial Inc
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HBT Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Hbt Financial Inc (HBT)
HBT trades 71% above its Graham fair value of $16.59, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Hbt Financial Inc (HBT) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around revenue growth and eps growth. Mixed signals suggest waiting for clearer direction before acting.
Hbt Financial Inc (HBT) Key Strengths (3)
Keeps $46 of every $100 in revenue after operating costs
Keeps $33 of every $100 in revenue as net profit
Trading at 1.55x book value, attractively priced
Supporting Valuation Data
Hbt Financial Inc (HBT) Areas to Watch (6)
Earnings declining -6.30%, profits shrinking
Revenue growing slowly at 1.10% annually
Premium valuation at 4.1x annual revenue
Low institutional interest, mostly retail-driven
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Hbt Financial Inc (HBT) Detailed Analysis Report
Overall Assessment
This company scores 49/100 in our Smart Analysis, earning a D+ grade. Out of 9 metrics analyzed, 3 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 3.3/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Price/Book. Valuation metrics including Price/Book (1.55) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 46.10%, Profit Margin at 32.90%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Price/Sales. Some valuation metrics including Price/Sales (4.08) suggest expensive pricing. Growth concerns include Revenue Growth at 1.10%, EPS Growth at -6.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.30%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.30% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 1.10% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a higher risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Fundamental challenges outweigh strengths at current levels. EPS Growth and Revenue Growth are the primary drags. Consider waiting for meaningful improvement before committing capital.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
HBT Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
HBT's Price-to-Sales ratio of 4.08x sits near its historical average of 3.88x (57th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 1% below its historical high of 4.14x set in Mar 2026, and 16% above its historical low of 3.53x in Mar 2026. Over the past 12 months, the PS ratio has expanded from ~3.6x, reflecting growing market expectations outpacing revenue growth.
WallStSmart Analysis Synopsis
Data-driven financial summary for Hbt Financial Inc (HBT) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Hbt Financial Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 234M with 110% growth year-over-year. Profit margins are strong at 32.9%, reflecting pricing power and operational efficiency.
Key Findings
Revenue growing at 110% YoY, reaching 234M. This pace significantly outperforms most BANKS - REGIONAL peers.
ROE of 1330.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
What to Watch Next
Growth sustainability: can Hbt Financial Inc maintain 110%+ revenue growth, or will competition slow it down?
Dividend sustainability with a current yield of 321.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Hbt Financial Inc.
Bottom Line
Hbt Financial Inc offers an attractive blend of growth (110% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Hbt Financial Inc(HBT)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
HBT Financial, Inc. is the banking holding company for Heartland Bank and Trust Company and State Bank of Lincoln offering commercial, commercial and retail banking products and services to individuals, businesses and municipal entities. The company is headquartered in Bloomington, Illinois.