HBT
HBT Financial, Inc.
Next earnings Jul 20, 2026 · consensus $0.74 EPS, $81.0M rev
Last earnings -1.3% on 2026-04-27
$31.75
▲ +0.41%$31.75▲ +34.10%
over 1Y
L $22.51EODHDH $31.75
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+0.4%
1W+4.2%
1M+10.9%
3M+20.7%
YTD+25.5%
1Y+34.1%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 9 analysts
Buy
Mixed signals in the latest filings.
Return on equity 12.5% · latest
The read
It screens cheap (~49% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
HBT Financial, Inc. shows limited reported revenue, and 12.5% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $56.3M | $56.5M | $65.8M | $71.8M | $77.0M |
| Diluted EPS | $2.02 | $1.95 | $2.07 | $2.26 | $2.44 |
| Net margin | — | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF—
PEG (trailing)1.79
Earnings yield7.7%
FCF yield—
Quality & risk
ROIC (est.)—
Free cash flow—
Total debt—
Net cash$122M
Capital returns
Buyback yield0.5%
Dividend yield (est.)2.7%
Shareholder yield3.1%
Shares Δ YoY-0.4%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗S-4/AFiling2026-06-12open ↗3Period ending 2026-06-012026-06-01open ↗S-4Filing2026-05-27open ↗8-KPeriod ending 2026-05-192026-05-21open ↗EFFECTFiling2026-05-18open ↗CORRESPFiling2026-05-14open ↗S-3/AFiling2026-05-13open ↗10-QPeriod ending 2026-03-312026-05-06open ↗4Period ending 2026-04-302026-05-01open ↗4Period ending 2026-04-282026-04-30open ↗8-KPeriod ending 2026-04-282026-04-29open ↗8-K/APeriod ending 2026-03-012026-04-29open ↗
Frequently asked
- Is HBT Financial, Inc. (HBT) a buy?
- HBT currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is HBT's fair value?
- A Modified-Graham model based on HBT's SEC fundamentals estimates a fair value of about $47.40. It is an estimate from reported earnings, not a price target.
- Is HBT overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, HBT currently appears undervalued relative to its SEC-grounded earnings power.
- What is HBT Financial, Inc.'s quality score?
- HBT scores 78.11764705882352/100 (grade B+) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000775215, latest 10-Q filed 2026-05-06) · EODHD · as of 6/26/2026, 7:25:32 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.