HBT Financial (HBT) Stock: Buy, Sell, or Hold?
HBT - HBT Financial, Inc. Common Stock
$36.38
0.58 (1.61%)
â˛
5d:
+0.34%
30d:
+0.51%
90d:
+11.68%
WAIT
LOW Confidence
Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Oct 19, 2026
16d
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Interactive Price Chart (1 Month)
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Bottom Line:
âšī¸ NEUTRAL: HBT is fairly priced but lacks strong directional signals. At 2.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
âšī¸ NEUTRAL: HBT is fairly priced but lacks strong directional signals. At 2.4% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$50.90
Based on 8.8% avg growth
INTRINSIC VALUE TODAY
$31.60
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.7x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HBT is currently trading at $36.38, which is considered slightly high relative to its 30-day fair value range of $35.54 to $36.38. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (9.7). At these levels, the market is pricing in 2.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, HBT is in a strong uptrend. The price is approaching resistance at $36.36. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $40.40 (+12.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, HBT is in a strong uptrend. The price is approaching resistance at $36.36. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock scores a mixed 41/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. Wall Street analysts see significant upside, with an average price target of $40.40 (+12.8%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$35.54 -
$36.38
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
63.8%
All Signals
- NEUTRAL: Mixed technical signals (41/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($40.40)
- NEUTRAL: Market pricing in 2.4% annual earnings growth - fairly valued
- WARNING: Composite score 50/100 in the bottom quintile â this cohort historically lags the market
Trading Range Analysis
30-Day Trading Range
$35.54 -
$36.38
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$34.79
Resistance Level
$36.36
Current Trend
Strong Uptrend
Technical data as of
Oct 1, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.38
Wall Street Target
$40.40
(+12.8%)
Revenue Growth (YoY)
37.7%
Earnings Growth (YoY)
24.6%
Profit Margin
29.2%
Valuation Premium vs History
+2.4% premium
PE vs Historical
10.4 vs 9.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.4%
(market-implied from PE analysis)
1-Year Target
$36.66
(+2%)
2-Year Target
$37.54
(+5%)
3-Year Target
$38.44
(+7%)
3-Yr Target (if PE normalizes)
(PE: 10â10)
PE COMPRESSION
$35.93
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 13.6%)
$103.07
(+188%)
Base:
(SPY PE: 10.4, Growth: 13.6%)
$52.43
(+47%)
Bear:
(PE: 8.8, Growth: 13.6%)
$44.57
(+25%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 15.18 | Current EPS (TTM): $2.33
Bull Case
$57.61
(+61%)
Analyst growth 48.1%, PE expands to 16.7
Base Case
$52.37
(+46%)
Market implied 48.1%, PE stable at 15.2
Bear Case
$24.05
(-33%)
Severe decline -20.0%, PE contracts to 12.9
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 02, 2026 10:00 AM ET
Data refreshes hourly during market hours. Next update: 11:00 AM
Data refreshes hourly during market hours. Next update: 11:00 AM
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Technical Signals Check
Is HBT showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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