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HBT

HBT Financial, Inc.

Financial Services · $1.3B market cap

Verdict

Share price

$36.34

close of Oct 3, 2026

Fair value

$57.41

Sticker Price

Payback Price

$22.97

buy price

Undervalued

HBT is Undervalued: at $36.34 it trades 37% below its fair value of $57.41. Its buy price (Payback Price) is $22.97, 37% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth8.6% a year✗
Equity per share growth8.1% a year✗
Sales growth7.0% a year✗
Free cash flow growth1.1% a year✗
Return on invested capital5.3%✗

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Insider activity

Since Aug 18, 2026: no open-market purchases and 1 other filing (stock awards, tax withholding and similar). Why purchases matter

Other filings

Baker Roger A

director · 2026-08-18

G-Gift

15,000 shares

About HBT Financial, Inc.

HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company, offering a comprehensive suite of financial products and services. They cater to a diverse client base, including individuals, businesses, and municipal entities, providing retail, commercial, and business banking solutions. Their deposit offerings encompass a variety of options, such as non-interest and interest-bearing…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works