HBT Stock Analysis: Buy, Sell, or Hold?
HBT - HBT Financial, Inc. Common Stock
$35.75
0.29 (0.82%)
â˛
5d:
-3.87%
30d:
+9.93%
90d:
+25.53%
WAIT
LOW Confidence
Analysis Updated: Aug 21, 2026 12:00 AM ET
Earnings: Jul 27, 2026
0d
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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 2.7% 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 2.7% 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
$50.37
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 $35.75, which is considered fair relative to its 30-day fair value range of $33.57 to $36.78. The stock's valuation (Forward PE: 10.4) is in line with its historical norms (9.6). At these levels, the market is pricing in 2.7% 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 currently testing key support at $34.98. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: HBT scores 34/100 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 (+13.0%). 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 currently testing key support at $34.98. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: HBT scores 34/100 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 (+13.0%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$33.57 -
$36.78
Company Quality Score
50/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
48.6%
All Signals
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (34/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($40.40)
- NEUTRAL: Market pricing in 2.7% 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
$33.57 -
$36.78
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$34.98
Resistance Level
$37.51
Current Trend
Strong Uptrend
Technical data as of
Aug 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.36
Wall Street Target
$40.40
(+13.0%)
Revenue Growth (YoY)
37.7%
Earnings Growth (YoY)
24.6%
Profit Margin
29.2%
Valuation Premium vs History
+2.7% premium
PE vs Historical
10.4 vs 9.6
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.7%
(market-implied from PE analysis)
1-Year Target
$36.72
(+3%)
2-Year Target
$37.71
(+6%)
3-Year Target
$38.72
(+8%)
3-Yr Target (if PE normalizes)
(PE: 10â10)
PE COMPRESSION
$35.88
(+0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.1, Growth: 13.6%)
$101.41
(+184%)
Base:
(SPY PE: 10.4, Growth: 13.6%)
$52.36
(+47%)
Bear:
(PE: 8.8, Growth: 13.6%)
$44.50
(+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: 15.09 | Current EPS (TTM): $2.35
Bull Case
$57.26
(+60%)
Analyst growth 46.8%, PE expands to 16.6
Base Case
$52.06
(+46%)
Market implied 46.8%, PE stable at 15.1
Bear Case
$24.11
(-33%)
Severe decline -20.0%, PE contracts to 12.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 23, 2026 12:57 AM ET
Data refreshes hourly during market hours. Next update: 1:57 AM
Data refreshes hourly during market hours. Next update: 1:57 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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