US · HBT
HBT Financial, Inc.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Bloomington, IL 61704
- Website
- ir.hbtfinancial.com
Price · as of 2025-12-31
$28.05
Market cap 847.4M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $72.04 | +156.83% |
| Intrinsic Value(DCF) | $21.86 | -22.07% |
| Graham-Dodd Method(GD) | $29.93 | +6.69% |
| Graham Formula(GF) | $26.48 | -5.6% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | $0.00 | $31.75 | |||
| 2019 | $11.54 | $78.98 | $35.30 | $0.00 | $42.34 |
| 2020 | $15.26 | $65.17 | $29.70 | $10.08 | $0.00 |
| 2021 | $16.33 | $48.17 | $38.14 | $14.85 | $25.75 |
| 2022 | $19.15 | $41.21 | $30.59 | $12.05 | $41.36 |
| 2023 | $18.10 | $49.43 | $431.72 | $13.62 | $98.97 |
| 2024 | $22.70 | $41.34 | $75.19 | $15.22 | $36.30 |
| 2025 | $27.51 | $72.04 | $37.07 | $29.93 | $26.48 |
AI valuation
Our deep-learning model estimates HBT Financial, Inc.'s (HBT) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $72.04
- Current price
- $28.05
- AI upside
- +156.83%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$21.86
-22.07% upside
Graham-Dodd
$29.93
+6.69% upside
Graham Formula
$26.48
-5.6% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| HBT | HBT Financial, Inc. | $28.05 | 847.4M | +157% | -22% | +7% | -6% | 11.23 | 1.40 | 2.95 | 0.84 | 140.99 | 1.60 | 80.03% | 35.63% | 26.25% | 13.28% | 46.33% | 1.52% | 0.11 | 1.84 | 0.28 | 0.28 | 0.37 | 796.00% | 284.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 0.88 | — | 0.32 | -0.17 |
| AMTB | Amerant Bancorp Inc. | $21.35 | 895.69M | +69% | -2% | +18% | +29% | 17.22 | 0.95 | 1.36 | -7.98 | — | 0.95 | 57.37% | 10.09% | 8.00% | 5.64% | -16.82% | 0.52% | 1.11 | 0.28 | 0.43 | 0.43 | 8.06 | -38636.00% | 1397.00% | 3098.00% | 11.02% | 0.02 | -31.43% | 1.28% | 22.10% | 3.53% | -8.54 | -5.77 | -0.86 | -0.17 |
| BFST | Business First Bancshares… | $27.30 | 808.5M | +103% | -52% | +51% | +112% | 9.31 | 0.91 | 1.60 | -0.26 | 40.48 | 1.08 | 60.92% | 22.15% | 17.16% | 10.36% | 18.38% | 1.09% | 0.61 | 0.59 | 5.62 | 5.62 | 1.18 | 2301.00% | 1184.00% | 5388.00% | 11.25% | 0.07 | 18.74% | 0.00% | 0.00% | 2.93% | -0.27 | -0.33 | -0.06 | 1.14 |
| CCNE | CNB Financial Corporation | $28.01 | 825.63M | -26% | -2% | -6% | +82% | 8.66 | 0.77 | 1.31 | -3.02 | — | 0.84 | 59.11% | 18.71% | 15.16% | 9.23% | 183.63% | 0.91% | 0.24 | 0.49 | 0.16 | 0.16 | -3.93 | -627.00% | 1180.00% | 5319.00% | 11.68% | 0.01 | 185.82% | 4.06% | 35.20% | 50.32% | -3.39 | -4.13 | -0.63 | -0.65 |
| EFSC | Enterprise Financial Serv… | $57.10 | 2.11B | -16% | +92% | -48% | +87% | 10.57 | 1.04 | 2.33 | 6.59 | 106.39 | 1.33 | 68.43% | 31.10% | 22.07% | 10.42% | 12.52% | 1.22% | 0.00 | 1.08 | 0.01 | 0.01 | -0.71 | 994.00% | 1203.00% | -6842.00% | 3.56% | 0.01 | 4.71% | 4.77% | 50.40% | 5.43% | 6.77 | 25.35 | 2.11 | -0.73 |
| FSBC | Five Star Bancorp | $38.93 | 832.17M | +61% | +95% | -9% | +106% | 13.50 | 1.87 | 3.26 | 11.10 | 47.67 | 1.87 | 58.22% | 32.78% | 24.11% | 14.63% | 21.76% | 1.40% | 0.22 | 0.86 | 0.14 | 0.00 | 1.17 | 2832.00% | 2039.00% | 4194.00% | 8.73% | 0.02 | 25.64% | 0.00% | 0.00% | 0.00% | 11.10 | 12.80 | 3.64 | -0.49 |
| MBWM | Mercantile Bank Corporati… | $51.66 | 887.58M | +39% | -1% | +30% | +14% | 9.63 | 1.18 | 2.30 | 0.98 | 89.56 | 1.35 | 64.03% | 27.46% | 23.87% | 13.56% | 209.76% | 1.38% | 1.14 | 0.79 | 0.29 | 0.29 | 3.31 | 1075.00% | 274.00% | -8789.00% | 1.31% | 0.00 | 26.49% | 0.00% | 0.00% | 0.00% | 1.03 | 9.35 | 0.28 | -0.42 |
| MOFG | MidWestOne Financial Grou… | $49.31 | 1.02B | -65% | -45% | — | +1% | -7.90 | 0.85 | 2.31 | 12.33 | — | 1.05 | 29.37% | -40.77% | -29.26% | -11.12% | 11.26% | -0.95% | 0.21 | -0.61 | 0.29 | 0.29 | 1.16 | -36617.00% | -2313.00% | 387.00% | 12.76% | 0.01 | -11.35% | 3.47% | -27.40% | 34.01% | 11.20 | -15.47 | -4.57 | -0.67 |
| NBN | Northeast Bank | $110.88 | 884.57M | +22% | +249% | +1% | +285% | 10.57 | 1.78 | 2.51 | 6.15 | 32.05 | 1.79 | 58.14% | 35.81% | 23.77% | 19.16% | 19.51% | 2.25% | 0.69 | 0.91 | 0.13 | 0.13 | -0.58 | 3298.00% | 3473.00% | 4802613.00% | 6.06% | 0.02 | 12.49% | 0.04% | 0.40% | 22.46% | 6.30 | 14.83 | 2.26 | -0.38 |
| TRST | TrustCo Bank Corp NY | $43.37 | 799.05M | +32% | -16% | +25% | +6% | 13.18 | 1.17 | 2.89 | 7.10 | 49.80 | 1.17 | 67.08% | 29.18% | 21.97% | 8.97% | 12.60% | 0.96% | 0.28 | 0.90 | 0.26 | 0.26 | 1.59 | 2646.00% | 577.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 7.85 | — | 2.29 | 0.08 |
About HBT Financial, Inc.
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company that provides business, commercial, and retail banking products and services to individuals, businesses, and municipal entities. The company's deposits accounts consist of noninterest-bearing demand deposits, interest-bearing transaction accounts, money market accounts, savings accounts, certificates of deposits, health savings accounts, and individual retirement accounts. Its loan offering comprises owner and non-owner occupied commercial real estate; construction and land development and multi-family; commercial and industrial; agricultural and farmland; and one-to-four family residential loans, as well as municipal, consumer, and other loans. The company also offers wealth management services, including financial planning to consumers, trusts, and estates; trustee and custodial; investment management; corporate retirement plan consulting and administration; and retail brokerage services. In addition, it provides farmland management, farmland sales, and crop insurance services; and treasury management services, as well as originates and sells residential mortgage loans. Further, the company offers digital banking services, such as online and mobile banking, and digital payment services, as well as personal financial management tools. It operates through 57 branch locations in Central and Northeastern Illinois and four locations in Eastern Iowa. The company was formerly known as Heartland Bancorp, Inc. and changed its name to HBT Financial, Inc. in September 2019. HBT Financial, Inc. was founded in 1920 and is headquartered in Bloomington, Illinois.
- CEO
- J. Lance Carter
- Employees
- 844
- Beta
- 0.56
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($21.86 ÷ $28.05) − 1 = -22.07% (DCF, example).