HBT Financial (HBT) Stock: Buy, Sell, or Hold?
HBT - HBT Financial, Inc. Common Stock
$36.51
0.22 (0.61%)
▲
5d:
+0.41%
30d:
+0.14%
90d:
+21.58%
HOLD
LOW Confidence
Analysis Updated: Sep 11, 2026 12:00 AM ET
Earnings: Oct 19, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: HBT is fairly valued with market pricing in 3.2% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: HBT is fairly valued with market pricing in 3.2% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$50.37
Based on 8.8% avg growth
INTRINSIC VALUE TODAY
$31.28
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 9.6x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HBT is currently trading at $36.51, which is considered slightly high relative to its 30-day fair value range of $35.65 to $36.64. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.6) compared to its historical average (9.6). At these levels, the market is pricing in 3.2% 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 $36.86. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HBT scores 39/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $40.40 (+10.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, HBT is in a strong uptrend. The price is approaching resistance at $36.86. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HBT scores 39/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $40.40 (+10.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$35.65 -
$36.64
Company Quality Score
54/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
41.4%
All Signals
- BEARISH: Weak technical setup (39/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($40.40)
- NEUTRAL: Market pricing in 3.2% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$35.65 -
$36.64
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$35.02
Resistance Level
$36.86
Current Trend
Strong Uptrend
Technical data as of
Sep 11, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.58
Wall Street Target
$40.40
(+10.7%)
Revenue Growth (YoY)
37.7%
Earnings Growth (YoY)
24.6%
Profit Margin
29.2%
Valuation Premium vs History
+3.2% premium
PE vs Historical
10.6 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.2%
(market-implied from PE analysis)
1-Year Target
$37.68
(+3%)
2-Year Target
$38.88
(+7%)
3-Year Target
$40.13
(+10%)
3-Yr Target (if PE normalizes)
(PE: 11→10)
PE COMPRESSION
$36.40
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.2, Growth: 13.6%)
$101.91
(+179%)
Base:
(SPY PE: 10.6, Growth: 13.6%)
$53.47
(+47%)
Bear:
(PE: 9.0, Growth: 13.6%)
$45.45
(+25%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 15.44 | Current EPS (TTM): $2.35
Bull Case
$58.60
(+61%)
Analyst growth 46.8%, PE expands to 17.0
Base Case
$53.28
(+46%)
Market implied 46.8%, PE stable at 15.4
Bear Case
$24.68
(-32%)
Severe decline -20.0%, PE contracts to 13.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: September 12, 2026 8:59 AM ET
Data refreshes hourly during market hours. Next update: 9:59 AM
Data refreshes hourly during market hours. Next update: 9:59 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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