HBT Financial, Inc. (HBT)
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
$36.59+0.63%
Close 2026-09-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-09-04
QuarterlyIQ Insights · HBT
Price, fair value, and the multiples that frame it on the same time axis. Scroll over the price chart to zoom.
Daily closes. Earnings/event dots inline.
A consensus fair price across 11 valuation methods, at three horizons. As of 2026-09-04. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
Today's peer multiple on trailing earnings, with no growth credited. This is the headline read.
Adds projected growth, so it leans optimistic by design. Read it as upside context, not a base case.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $37 the market pays 1.7× p/b — above the 1.2× p/b peer median but in line with its own 1× history. That premium reflects a durable franchise our peer-anchored $29 fair value understates; treat the 'expensive vs peers' read with medium confidence. The flat-multiple read looks rich, but earnings are inflecting up — trailing growth is accelerating and forward estimates confirm — so we've softened our read rather than brand an accelerating name expensive. Even valued only for durable growth at sustainable margins, it's worth about $42 — above today's price, so the premium reflects that growth case, not pure multiple expansion. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
Score 100 = cheapest in the cohort, 0 = richest. Bars are filled left-to-right based on the peer-relative score (or PEG/self-history where shown).
Each method's implied share price per horizon. Provisional rows use a projected (historical-CAGR) growth input rather than analyst or management guidance.
| Method | Horizon | Est. price | Multiple | Per-share input | EPS source | Confidence |
|---|---|---|---|---|---|---|
| dcf fcfe | 12M | $31.73 | — | — | Hist. CAGR | high |
| dcf fcff | 12M | $35.36 | — | — | Hist. CAGR | high |
| ddm gordon | 12M | $10.26 | — | — | TTM | high |
| graham number | 12M | $33.72 | — | — | TTM | high |
| Peer P/B | 12M |
A “consensus-then vs. actual-now” overlay is on the way — what our valuation estimate said on a past date versus where the price actually landed.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A long-thesis check that carries the widest uncertainty of the three horizons.
Above average on quality vs scored peers
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
No fragility gates fired. Regime (Mania) does not concentrate fragility.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Looks more expensive than peers.
Self-history needs ~20 months of data.
Trailing four: 2025-Q2, 2025-Q3, 2026-Q1, 2026-Q2
Direction of the business behind the multiple. Bands are backend reads; trailing-12-month basis.
| $26.01 |
| 1.2 |
| 20.97 |
| TTM |
| high |
| Peer P/FCF | 12M | $24.22 | 11.7 | 2.08 | TTM | high |
| Peer P/E | 12M | $36.13 | 10.9 | 3.32 | ntm analyst | high |
| Peer P/S | 12M | $25.06 | 3.2 | 7.93 | TTM | high |
| PEG | 12M | $68.56 | 28.4 | 2.41 | TTM | high |
| residual income | 12M | $23.43 | — | — | TTM | high |
| triangulated | 12M | $29.56 | 11.9 | 2.47 | Triangulated | high |
| Peer P/B | 3Y | $39.56 | 1.2 | 31.89 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 3Y | $24.15 | 11.7 | 2.07 | Hist. CAGR(prov.) | medium |
| Peer P/E | 3Y | $48.00 | 10.9 | 4.41 | Analyst | medium |
| Peer P/S | 3Y | $43.21 | 3.2 | 13.67 | Analyst | medium |
| PEG | 3Y | $125.34 | 28.4 | 4.41 | Analyst | medium |
| Peer P/B | 5Y | $52.31 | 1.2 | 42.18 | Hist. CAGR(prov.) | medium |
| Peer P/FCF | 5Y | $24.11 | 11.7 | 2.07 | Hist. CAGR(prov.) | medium |
| Peer P/E | 5Y | $63.47 | 10.9 | 5.83 | Analyst | medium |
| Peer P/S | 5Y | $57.15 | 3.2 | 18.08 | Analyst | medium |
| PEG | 5Y | $165.77 | 28.4 | 5.83 | Analyst | medium |