HBT

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0.000(0.000%)

Overview
Forecast
Valuation

Line

Candle

YTD

High

23.590

Open

23.400

VWAP

23.34

Vol

23.32K

Mkt Cap

743.02M

Low

22.920

Amount

544.22K

EV/EBITDA(TTM)

7.61

Total Shares

31.59M

817.51M

EV/OCF(TTM)

P/S(TTM)

3.50

HBT Financial, Inc. is a bank holding company. Through its bank subsidiary, Heartland Bank and Trust Company (the Bank), it provides a suite of business, commercial and retail banking products and services to consumers, businesses, and municipal entities throughout Central and Northeastern Illinois and Eastern Iowa. Its products and services are primarily deposit, lending, and ancillary products. Additionally, it provides traditional trust and investment services, farmland management, and farmland sales through its Wealth Management division. It offers a range of lending products with a focus on regulatory commercial real estate (CRE), which includes non-owner occupied CRE, construction and land development (C&D) and multi-family; commercial and industrial (C&I) and owner-occupied CRE; agricultural and farmland; and one-to-four family residential loans. It also provides municipal, consumer, and other loans. It offers bank deposit account services as well as digital banking services.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q4

FY2025Q3

FY2025Q2

60.62M

+1.72%

0.608

-1.94%

59.97M

+6.26%

0.602

-1.31%

59.45M

+4.96%

0.602

+5.61%

Estimates Revision

The market is revising Upward the revenue expectations for HBT Financial, Inc. (HBT) for FY2025, with the revenue forecasts being adjusted by 1.62% over the past three months. During the same period, the stock price has changed by -2.49%.

Revenue Estimates for FY2025

Revise Upward

+1.62%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+3.83%

In Past 3 Month

Stock Price

Go Down

-2.49%

In Past 3 Month

5 Analyst Rating

9.41% Upside

Wall Street analysts forecast HBT stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for HBT is 25.70 USD with a low forecast of 24.00 USD and a high forecast of 28.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

2 Buy

3 Hold

0 Sell

Moderate Buy

9.41% Upside

Current: 23.490

Low

24.00

Averages

25.70

High

28.00

9.41% Upside

Current: 23.490

Low

24.00

Averages

25.70

High

28.00

Piper Sandler

Nathan Race

Hold

Maintains

$27 → $26

2025-01-24

Reason

Piper Sandler

Nathan Race

Price Target

$27 → $26

2025-01-24

Maintains

Hold

Reason

Piper Sandler analyst Nathan Race lowered the firm's price target on HBT Financial to $26 from $27 and keeps a Neutral rating on the shares. The firm notes the company's results in Q4 exceeded expectations driven by a more resilient net interest margin, a pick-up in growth on both balance sheet sides, and continued strong cost controls. Credit quality remained solid and is expected to remain a non-issue. Piper also believes HBT is advantageously positioned in the current rate environment/outlook to generate greater net interest income growth than previously anticipated. The firm stays on the sidelines until more consistent and stronger loan growth emerges and/or HBT is able to leverage excess TCE/improve EPS growth via additional likely well-received M&A.

Keefe, Bruyette & Woods

Damon Delmonte

Buy

Maintains

$25 → $27

2024-12-04

Reason

Keefe, Bruyette & Woods

Damon Delmonte

Price Target

$25 → $27

2024-12-04

Maintains

Buy

Reason

Piper Sandler

Nathan Race

Hold

Maintains

$25 → $24

2024-10-22

Reason

Piper Sandler

Nathan Race

Price Target

$25 → $24

2024-10-22

Maintains

Hold

Reason

Piper Sandler analyst Nathan Race lowered the firm's price target on HBT Financial to $24 from $25 and keeps a Neutral rating on the shares. The firm notes HBT generated strong Q3 results highlighted by stronger revenue via net interest income upside with net interest margin expansion and greater core fee income growth.

DA Davidson

Jeff Rulis

Strong Buy

Hold

Downgrades

$26 → $24

2024-09-25

Reason

DA Davidson

Jeff Rulis

Price Target

$26 → $24

2024-09-25

Downgrades

Strong Buy

Hold

Reason

DA Davidson downgraded HBT Financial to Neutral from Buy with a price target of $24, down from $26. The downgrade is based on the bank's less favorable asset sensitive balance sheet position, the analyst says. Despite this, credit quality at HBT has been better than peers, and DA Davidson anticipates this strength will remain in place ahead, the firm says. Expense management has also been a positive, while profitability metrics have tracked ahead of peers while also operating a lower credit risk profile, and the shares deserve to trade at a premium, not at an expanding premium over the short-to-medium term outlook, DA Davidson says.

Keefe, Bruyette & Woods

Damon Delmonte

Buy

Reiterates

$25 → $27

2024-07-23

Reason

Keefe, Bruyette & Woods

Damon Delmonte

Price Target

$25 → $27

2024-07-23

Reiterates

Buy

Reason

Piper Sandler

Nathan Race

Hold

Maintains

$22 → $25

2024-07-23

Reason

Piper Sandler

Nathan Race

Price Target

$22 → $25

2024-07-23

Maintains

Hold

Reason

See All Ratings

Valuation Metrics

The current forward P/E ratio for HBT Financial Inc (HBT.O) is 9.78, compared to its 5-year average forward P/E of 9.31. For a more detailed relative valuation and DCF analysis to assess HBT Financial Inc 's fair value, click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.

Fair

5Y Average PE

9.31

Current PE

9.78

Overvalued PE

10.44

Undervalued PE

8.19

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.

N/A

5Y Average EV/EBITDA

0.00

Current EV/EBITDA

0.00

Overvalued EV/EBITDA

0.00

Undervalued EV/EBITDA

0.00

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.

Overvalued

5Y Average PS

2.76

Current PS

3.15

Overvalued PS

3.08

Undervalued PS

2.44