HBT Valuation
HBT Financial Inc
$
25.320
- Overview
- Forecast
- Valuation
- Earnings
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 9.96 is considered Fairly compared with the five-year average of 9.37. The fair price of HBT Financial Inc (HBT) is between 22.12 to 26.74 according to relative valuation methord.
Relative Value
Fair Zone
22.12-26.74
Current Price：25.32
Fair
9.96
PE
1Y
3Y
5Y
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.
3.17
PS
HBT Financial Inc. (HBT) has a current PS of 3.17. The 5-year average PS is 2.81. The thresholds are as follows: Strongly Undervalued below 2.19, Undervalued between 2.19 and 2.50, Fairly Valued between 3.12 and 2.50, Overvalued between 3.12 and 3.43, and Strongly Overvalued above 3.43. The current Forward PS of 3.17 falls within the 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 1.32. Compared to its 3-year average P/B ratio of 1.37 , the current P/B ratio is approximately -3.54% higher. Relative to its 5-year average P/B ratio of 1.32, the current P/B ratio is about 0.21% higher. HBT Financial Inc (HBT) has a Forward Free Cash Flow (FCF) yield of approximately 10.54%. Compared to its 3-year average FCF yield of 10.38%, the current FCF yield is approximately 1.54% lower. Relative to its 5-year average FCF yield of 9.95% , the current FCF yield is about 5.96% lower.
1.32
P/B
Median3y
1.37
Median5y
1.32
10.54
FCF Yield
Median3y
10.38
Median5y
9.95
Competitors Valuation Multiple
The average P/S ratio for HBT's competitors is 2.68, providing a benchmark for relative valuation. HBT Financial Inc Corp (HBT) exhibits a P/S ratio of 3.17, which is 18.24% above the industry average. Given its robust revenue growth of 5.26%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Performance Decomposition
1Y
3Y
5Y
Market capitalization of HBT increased by 13.94% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 9.36 to 10.07.
The secondary factor is the Revenue Growth, contributed 5.26%to the performance.
Overall, the performance of HBT in the past 1 year is driven by P/E Change. Which is more unsustainable.
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FAQ
Is HBT Financial Inc (HBT) currently overvalued or undervalued?
HBT Financial Inc (HBT) is now in the Fair zone, suggesting that its current forward PE ratio of 9.96 is considered Fairly compared with the five-year average of 9.37. The fair price of HBT Financial Inc (HBT) is between 22.12 to 26.74 according to relative valuation methord.
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 Aug 13 2025?
What is the current FCF Yield for HBT Financial Inc (HBT) as of Aug 13 2025?
What is the current Forward P/E ratio for HBT Financial Inc (HBT) as of Aug 13 2025?