HBT Financial, Inc. (HBT) fair value analysis
Nasdaq · Updated 2026-10-19
HBT price how computed
Forward Fair Value verdict
OvervaluedHBT is trading at a 10–25% premium to estimated fair value.
Based on TickrTrends' weekly Forward Fair Value model.
- Last price
- $35.58
- Sector
- Financial Services
- 12-month range
- $22.88–$37.22
- Market cap
- $1.29B
- From 52-week high
- -4.4%
- Shares outstanding
- 36.4M
- Rank in Financial Services by discount to fair value
- #133 of 167
Last price is our stored weekly price from 2026-10-16, older than the 2026-10-19 run that built this page; the chart runs through 2026-10-16.
HBT Financial, Inc. is a bank holding company that operates community banks providing retail and commercial banking services including lending, deposit products, and wealth management solutions. The company operates through its subsidiary banks primarily in the Midwest region of the United States.
HBT currently ranks #133 of 167 Financial Services stocks by discount to fair value. It has screened as Overvalued for 14 consecutive weekly runs.
Fundamentals (4 quarters) how computed
- Market cap
- $1.29B
- P/E (trailing)
- 15x
- Revenue (TTM)
- $331M
- Net margin
- 23.5%
- EPS (TTM)
- $2.41
- Gross margin
- 79.9%
- Debt / equity
- 0.20
- Revenue growth (3-yr avg)
- 15.8%
- Shares outstanding
- 36.4M
Derived indicators how computed
- Quality grade
- A
- Margin trend
- Expanding
- 52-week position
- The top quarter of its range
Technicals how computed
- RSI (14-day)
- 48 · neutral
- 50-day average
- $35.95
- 200-day average
- $30.71
- Moving-average state
- 50-day above 200-day (golden cross state); price between the averages
Dividends how computed
- Paid, last 12 months
- $0.92 per share (4 payments)
- Yield on last price
- 2.59%
- Consecutive years of increases
- 4
- Last ex-dividend date
- 2026-08-11
- Last payment date
- 2026-08-18
Earnings how computed
- Next earnings report
- 2026-10-26 (pre-market)
- Last 8 quarters vs consensus
- 6 beat, 1 missed
- Quarter by quarter
- 2026-06 ▲ beat (+5.4%)
2026-03 ▼ miss (-43.3%)
2025-12 ▬ met (0.0%)
2025-09 ▲ beat (+4.8%)
2025-06 ▲ beat (+5.0%)
2025-03 ▲ beat (+8.9%)
2024-12 ▲ beat (+6.9%)
2024-09 ▲ beat (+7.0%)
Analyst consensus how computed
This is not TickrTrends' verdict.
- Analyst ratings
- 3 buy · 2 hold · 0 sell (5 analysts)
- Consensus lean
- Buy-leaning
- Consensus price target
- $40.2
- Target vs last price
- +13.0%
What our data shows for HBT
- Our model validated 17 trailing price-to-earnings windows for HBT, built from quarterly earnings records.
- Shares are trading in the upper third of their 12-month price range of $22.88–$37.22.
- The 14-day relative strength index sits at a neutral 48.
The exact numbers are one step away
- The precise Forward Fair Value dollar figure for HBT
- Exact discount / premium to today's price
- The normalized historical P/E behind the estimate, and how many quarters support it
- Forward EPS input and fiscal-year basis
- Screeners and rankings across the full S&P 500 and Nasdaq universes
Forward Fair Value applies a conservatively normalized historical price-to-earnings multiple to the consensus earnings estimate for the next full fiscal year; how TickrTrends computes it.
Recent HBT news
TickrTrends' derived news-sentiment signal for HBT is currently leaning positive, computed from recent coverage.
- HBT Financial, Inc. to Announce Third Quarter 2026 Financial Results on October 26, 2026 (manilatimes.net, 2026-10-09)
TickrTrends take: HBT Financial, Inc., a company in the Financial Services sector, is scheduled to release its third quarter 2026 results on October 26, 2026, providing an opportunity for investors to assess recent operational performance against current market pricing. Given TickrTrends' current assessment that HBT is overvalued, the upcoming earnings announcement will be significant for evaluating whether the company's financial results justify its present valuation or suggest further downside risk. Key metrics such as profitability, asset quality, and revenue trends will be important indicators for determining whether the overvaluation designation remains appropriate. - HBT Financial Stock: Expansion By Acquisition Appears To Be Working (NASDAQ:HBT) (seekingalpha.com, 2026-09-12)
TickrTrends take: HBT Financial operates in the Financial Services sector and is currently assessed as overvalued according to TickrTrends valuation metrics. Given that the company appears to be executing successfully on acquisition-driven expansion, investors focused on valuation should monitor whether this growth strategy can eventually justify the current stock price or whether execution risks could pressure valuations further. The tension between operational success and valuation concerns suggests tracking key metrics around acquisition integration, revenue synergies, and earnings accretion will be important for determining whether the overvalued assessment may shift.
What people are saying
Follow the HBT conversation: Stocktwits · Reddit · X
TickrTrends weekly updates
- 2026-10-19 — # HBT Weekly Indicator Summary TickrTrends' derived indicators for HBT show a shift in the 50/200-day trend state from mixed to uptrend this week, reflecting improved short-term momentum relative to longer-term direction. Despite this technical improvement, the current valuation verdict remains overvalued based on TickrTrends' assessment. The uptrend development suggests positive price movement momentum for the Financial Services sector company, though valuation considerations persist.
- 2026-10-12 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-11 — No material change this week: the verdict, bands and grades all held steady.
- 2026-10-10 — TickrTrends' derived indicators for HBT show that the 50/200-day trend state has shifted from uptrend to mixed during the week. The stock's current valuation verdict remains overvalued according to TickrTrends' assessment. This trend transition suggests a potential weakening of the momentum that characterized the previous week's uptrend condition.
- 2026-10-05 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-28 — HBT's sector discount rank declined this week, moving from number 132 to number 140 among Financial Services companies. With a current valuation verdict of Overvalued, the stock's relative valuation position within its sector has weakened.
- 2026-09-21 — No material change this week: the verdict, bands and grades all held steady.
- 2026-09-17 — No material change this week: the verdict, bands and grades all held steady.
Frequently asked questions
Is HBT stock undervalued?
Based on TickrTrends' Forward Fair Value model (updated 2026-10-19), HBT is trading at a 10–25% premium to estimated fair value and screens as overvalued. The exact fair value and discount are available to subscribers.
What is HBT's TickrTrends verdict?
HBT's current verdict is Overvalued, refreshed with every weekly Forward Fair Value run.
How does HBT compare to other Financial Services stocks?
HBT ranks #133 of 167 Financial Services stocks in TickrTrends' coverage by discount to fair value.
Is HBT overbought or oversold?
HBT's 14-day RSI is in neutral territory - neither overbought nor oversold.
Does HBT pay a dividend?
Yes. HBT paid $0.92 per share over the last twelve months (4 payments), a 2.59% yield on TickrTrends' last price, and has raised the annual total for 4 consecutive years. The last ex-dividend date was 2026-08-11.
When does HBT report earnings next?
HBT's next earnings report is scheduled for 2026-10-26 (pre-market), per the published earnings calendar.
Does HBT usually beat earnings estimates?
Over its last 8 reported quarters HBT beat the consensus estimate 6 times and missed 1 times, by TickrTrends' comparison of reported and estimated EPS.
What do analysts say about HBT?
Of 5 analysts covering HBT, 3 rate it a buy, 2 a hold and 0 a sell - buy-leaning, with a consensus price target of $40.2 (+13.0% versus TickrTrends' last price). This is the analyst consensus, not TickrTrends' Forward Fair Value verdict.
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