HBT PE Ratio & Valuation, Is HBT Overvalued

Historical Valuation

HBT Financial, Inc (HBT) is now in the Fair zone, suggesting that its current forward PE ratio of 9.49 is considered Fairly compared with the five-year average of 9.43. The fair price of HBT Financial, Inc (HBT) is between 24.40 to 29.37 according to relative valuation method.

Relative Value

Fair Zone

24.40-29.37

Current Price：26.21

Fair

P/E

EV/EBITDA

EV/EBIT

P/S

P/OCF

P/FCF

Trailing

Forward

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HBT Financial, Inc (HBT) has a current Price-to-Book (P/B) ratio of 1.35. Compared to its 3-year average P/B ratio of 1.33, the current P/B ratio is approximately 1.83% higher. Relative to its 5-year average P/B ratio of 1.35, the current P/B ratio is about 0.11% higher. HBT Financial, Inc (HBT) has a Forward Free Cash Flow (FCF) yield of approximately 8.81%. Compared to its 3-year average FCF yield of 10.27%, the current FCF yield is approximately -14.15% lower. Relative to its 5-year average FCF yield of 10.25%, the current FCF yield is about -14.03% lower.

Competitors Valuation Multiple

AI Analysis

The average P/S ratio for HBT competitors is 2.85, providing a benchmark for relative valuation. HBT Financial, Inc Corp (HBT.O) exhibits a P/S ratio of 2.73, which is -4.16% above the industry average. Given its robust revenue growth of -9.72%, this premium appears unsustainable.

P/E

P/S

EV/EBITDA

EV/EBIT

Earnings Growth

Market Cap

Performance Decomposition

AI Analysis

Market capitalization of HBT increased by 0.00% over the past 1 year(s). The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.

The secondary factor is the Unknown, contributed 0.00% to the performance.

Overall, the performance of HBT in the past 1 year(s) is driven by Unknown.

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Frequently Asked Questions

Is HBT currently overvalued or undervalued?

What is HBT Financial, Inc (HBT) fair value?

HBT's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. The fair price of HBT Financial, Inc (HBT) is between 24.40 to 29.37 according to relative valuation method.

How does HBT's valuation metrics compare to the industry average?

The average P/S ratio for HBT's competitors is 2.85, providing a benchmark for relative valuation. HBT Financial, Inc Corp (HBT) exhibits a P/S ratio of 2.73, which is -4.16% above the industry average. Given its robust revenue growth of -9.72%, this premium appears unsustainable.

What is the current P/B ratio for HBT Financial, Inc (HBT) as of Mar 11 2026?

As of Mar 11 2026, HBT Financial, Inc (HBT) has a P/B ratio of 1.35. This indicates that the market values HBT at 1.35 times its book value.

What is the current FCF Yield for HBT Financial, Inc (HBT) as of Mar 11 2026?

As of Mar 11 2026, HBT Financial, Inc (HBT) has a FCF Yield of 8.81%. This means that for every dollar of HBT Financial, Inc's market capitalization, the company generates 8.81 cents in free cash flow.

What is the current Forward P/E ratio for HBT Financial, Inc (HBT) as of Mar 11 2026?

As of Mar 11 2026, HBT Financial, Inc (HBT) has a Forward P/E ratio of 9.49. This means the market is willing to pay $9.49 for every dollar of HBT Financial, Inc's expected earnings over the next 12 months.

What is the current Forward P/S ratio for HBT Financial, Inc (HBT) as of Mar 11 2026?

As of Mar 11 2026, HBT Financial, Inc (HBT) has a Forward P/S ratio of 2.73. This means the market is valuing HBT at $2.73 for every dollar of expected revenue over the next 12 months.

HBT Valuation