HBT PE Ratio & Valuation,Is HBT Overvalued

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 9.81 is considered Fairly compared with the five-year average of 9.39. The fair price of HBT Financial Inc (HBT) is between 24.09 to 29.11 according to relative valuation methord.

Relative Value

Fair Zone

24.09-29.11

Current Price：26.85

Fair

9.98

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.

2.83

HBT Financial Inc. (HBT) has a current PS of 2.83. The 5-year average PS is 2.86. The thresholds are as follows: Strongly Undervalued below 2.27, Undervalued between 2.27 and 2.57, Fairly Valued between 3.15 and 2.57, Overvalued between 3.15 and 3.44, and Strongly Overvalued above 3.44. The current Forward PS of 2.83 falls within the Historic Trend Line -Fairly Valued 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 1.40. Compared to its 3-year average P/B ratio of 1.35 , the current P/B ratio is approximately 3.61% higher. Relative to its 5-year average P/B ratio of 1.34, the current P/B ratio is about 4.07% higher. HBT Financial Inc (HBT) has a Forward Free Cash Flow (FCF) yield of approximately 8.52%. Compared to its 3-year average FCF yield of 10.36%, the current FCF yield is approximately -17.73% lower. Relative to its 5-year average FCF yield of 10.10% , the current FCF yield is about -15.63% lower.

1.42

P/B

Median3y

1.35

Median5y

1.34

8.52

FCF Yield

Median3y

10.36

Median5y

10.10

Competitors Valuation Multiple

The average P/S ratio for HBT's competitors is , providing a benchmark for relative valuation. HBT Financial Inc Corp (HBT) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 4.81%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of HBT increased by 23.24% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 9.51 to 10.90.

The secondary factor is the Revenue Growth, contributed 4.81%to the performance.

Overall, the performance of HBT in the past 1 year is driven by P/E Change. Which is more unsustainable.

4.81%

53.12M → 55.68M

Revenue Growth

3.74%

34.22 → 35.50

Margin Expansion

14.69%

9.51 → 10.90

P/E Change

23.24%

21.90 → 26.99

Mkt Cap Growth

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Frequently Asked Questions

Is HBT Financial Inc (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 24.09 to 29.11 according to relative valuation methord.

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

What is the current P/B ratio for HBT Financial Inc (HBT) as of Dec 16 2025?

As of Dec 16 2025, HBT Financial Inc (HBT) has a P/B ratio of 1.40. This indicates that the market values HBT at 1.40 times its book value.

What is the current FCF Yield for HBT Financial Inc (HBT) as of Dec 16 2025?

As of Dec 16 2025, HBT Financial Inc (HBT) has a FCF Yield of 8.52%. This means that for every dollar of HBT Financial Inc’s market capitalization, the company generates 8.52 cents in free cash flow.

What is the current Forward P/E ratio for HBT Financial Inc (HBT) as of Dec 16 2025?

As of Dec 16 2025, HBT Financial Inc (HBT) has a Forward P/E ratio of 9.81. This means the market is willing to pay $9.81 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 Dec 16 2025?

As of Dec 16 2025, HBT Financial Inc (HBT) has a Forward P/S ratio of 2.83. This means the market is valuing HBT at $2.83 for every dollar of expected revenue over the next 12 months.

HBT Valuation

HBT Valuation

HBT Relative Valuation

Historical Valuation

Competitors Valuation Multiple

Performance Decomposition

People Also Watch

Frequently Asked Questions

Is HBT Financial Inc (HBT) currently overvalued or undervalued?

What is HBT Financial Inc (HBT) fair value?

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

What is the current P/B ratio for HBT Financial Inc (HBT) as of Dec 16 2025?

What is the current FCF Yield for HBT Financial Inc (HBT) as of Dec 16 2025?

What is the current Forward P/E ratio for HBT Financial Inc (HBT) as of Dec 16 2025?

What is the current Forward P/S ratio for HBT Financial Inc (HBT) as of Dec 16 2025?