HBT Valuation

HBT Financial Inc

Add to Watchlist

Advanced Chart

24.010

+0.39(1.651%)1D

HBT Relative Valuation

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. If the market price exceeds this fair value range, HBT is overvalued; if below, it's undervalued.

Historical Valuation

HBT Financial Inc (HBT) is now in the Fair zone, suggesting that its current forward PE ratio of 8.86 is considered Fairly compared with the five-year average of 9.42. The fair price of HBT Financial Inc (HBT) is between 23.95 to 28.95 according to relative valuation methord.

Relative Value

Fair Zone

23.95-28.95

Current Price：24.01

Fair

8.86

Trailing

Forward

0.00

EV/EBITDA

HBT Financial Inc. (HBT) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

HBT Financial Inc. (HBT) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

24.01

HBT Financial Inc. (HBT) has a current PS of 24.01. The 5-year average PS is 3.02. The thresholds are as follows: Strongly Undervalued below -0.63, Undervalued between -0.63 and 1.19, Fairly Valued between 4.84 and 1.19, Overvalued between 4.84 and 6.67, and Strongly Overvalued above 6.67. The current Forward PS of 24.01 falls within the Strongly Overvalued range.

0.00

P/OCF

HBT Financial Inc. (HBT) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

HBT Financial Inc. (HBT) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

HBT Financial Inc (HBT) has a current Price-to-Book (P/B) ratio of 1.26. Compared to its 3-year average P/B ratio of 1.36 , the current P/B ratio is approximately -7.27% higher. Relative to its 5-year average P/B ratio of 1.34, the current P/B ratio is about -5.73% higher. HBT Financial Inc (HBT) has a Forward Free Cash Flow (FCF) yield of approximately 0.09%. Compared to its 3-year average FCF yield of 10.42%, the current FCF yield is approximately -99.09% lower. Relative to its 5-year average FCF yield of 10.04% , the current FCF yield is about -99.06% lower.

1.26

P/B

Median3y

1.36

Median5y

1.34

0.09

FCF Yield

Median3y

10.42

Median5y

10.04

Competitors Valuation Multiple

The average P/S ratio for HBT's competitors is 31.67, providing a benchmark for relative valuation. HBT Financial Inc Corp (HBT) exhibits a P/S ratio of 24.01, which is -24.20% above the industry average. Given its robust revenue growth of -10.15%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Central Pacific Financial Corp

Midwestone Financial Group Inc (IOWA)

Equity Bancshares Inc

Heritage Financial Corp

22.06

21.31%

749.09M

Performance Decomposition

Market capitalization of HBT increased by 0.25% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 34.22 to 41.41.

The secondary factor is the Revenue Growth, contributed -10.15%to the performance.

Overall, the performance of HBT in the past 1 year is driven by Margin Expansion. Which is more sustainable.

-10.15%

53.12M → 47.73M

Revenue Growth

21.01%

34.22 → 41.41

Margin Expansion

-10.61%

10.83 → 9.68

P/E Change

0.25%