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HBT Financial, Inc. (HBT) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated today

HBT Financial, Inc.

HBTMarket cap $1.29BPrice $35.5

Country🇺🇸United States

SectorFinancials

IndustryBanks

Runs community banks across Illinois and Iowa, offering loans, deposits, and wealth management to small businesses and everyday customers. It's a quiet local player—no flashy Wall Street presence, just steady Midwest banking relationships built over generations.

In Bastion Portfolios?

52W Return+54%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+9%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+21%–

Rev CAGR (5y)+13%8

Earnings Forecast

EPS Growth Y+1+23%8

EPS Growth Y+2+28%8

EPS Growth Y+3+4%5

Quality

Margins

EBIT Margin0%5

Net Income Margin29%9

Free Cash Flow Margin28%9

Debt

Net Debt/EBITDAna–

Efficiency

ROE12%5

ROA1%3

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)98

P/BV1.77

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%7

Dividend Yield2.8%7

Momentum

Short term

1 month return-2%7

3 month return+12%9

YTD return+41%9

Mid term

Price vs 52wHigh95%10

1 year return+52%9

Long term

3 year return+118%8

5 year return+158%8

Risk Shield

Price Risk

Beta0.85

Volatility25%8

Free Cash Flow

Free Cash Flow Margin28%9

Free Cash Flow Yield0.0%7

Quality

ROCE15%3

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

HBTHBT Financial

Revenue FY25$234M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+9%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+21%–

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+23%8

EPS growth, FY27E+28%8

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 21%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 9%/yr over the last 3 years and is set to grow 21%/yr from here.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 23%/yr vs revenue 21%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG94 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+12%9

YTD return+41%9

MID & LONG-TERM▾SCORE

% of 52-week high95%10

1-year return+52%9

3-year return+118%8

5-year return+158%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +118% over three years and +158% over five, ahead of 70% of the market.

It's up 52% over the past year, now 5% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+12%) and so far this year (+41%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on HBT Financial, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

HBTHBT Financial

Revenue FY25$234M

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+9%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+21%–

Revenue, next 5Y, CAGR+13%8

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+23%8

EPS growth, FY27E+28%8

EPS growth, FY28E+4%5

GROWTH ASSESSMENT

STRENGTHS

Revenue is set to grow 21%/yr over the next 3 years, ahead of most of the market.8/10

Revenue grew 9%/yr over the last 3 years and is set to grow 21%/yr from here.

The runway holds up: revenue is set to grow 13%/yr over five years.8/10

Earnings are set to grow in step with sales (EPS about 23%/yr vs revenue 21%/yr).

WATCH

None flagged.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that's speeding up.

03Price Momentum

Is the market behind it right now?

MOMENTUM RATING↗

VERY STRONG94 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-2%7

3-month return+12%9

YTD return+41%9

MID & LONG-TERM▾SCORE

% of 52-week high95%10

1-year return+52%9

3-year return+118%8

5-year return+158%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +118% over three years and +158% over five, ahead of 70% of the market.

It's up 52% over the past year, now 5% below its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (-2%), over three months (+12%) and so far this year (+41%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on HBT Financial, Inc.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community