HBT Financial (HBT) Stock: Buy, Sell, or Hold?
HBT - HBT Financial, Inc. Common Stock
$36.18
0.88 (2.49%)
▲
5d:
+2.29%
30d:
+3.05%
90d:
+8.68%
BUY
MODERATE Confidence
Analysis Updated: Oct 22, 2026 12:00 AM ET
Earnings: Oct 26, 2026
3d
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: HBT shows positive signals but monitor for confirmation. Market pricing in 1.6% annual growth which appears achievable. Moderate conviction.
💡 BUY OPPORTUNITY: HBT shows positive signals but monitor for confirmation. Market pricing in 1.6% annual growth which appears achievable. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$51.39
Based on 9.0% avg growth
INTRINSIC VALUE TODAY
$31.91
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 $36.18, which is considered slightly high relative to its 30-day fair value range of $35.27 to $36.20. The stock's valuation (Forward PE: 10.2) is in line with its historical norms (9.7). At these levels, the market is pricing in 1.6% 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 $36.20. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HBT scores 64/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $40.20 (+13.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, HBT is in a strong uptrend. The price is approaching resistance at $36.20. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HBT scores 64/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. Wall Street analysts see significant upside, with an average price target of $40.20 (+13.9%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$35.27 -
$36.20
Company Quality Score
60/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
74.8%
All Signals
- BULLISH: Strong technical setup (64/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($40.20)
- NEUTRAL: Market pricing in 1.6% annual earnings growth - fairly valued
- BULLISH: Bottoming setup score 64/100 — corrected, stabilizing, and turning up
Trading Range Analysis
30-Day Trading Range
$35.27 -
$36.20
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$34.65
Resistance Level
$36.20
Current Trend
Strong Uptrend
Technical data as of
Oct 21, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.20
Wall Street Target
$40.20
(+13.9%)
Revenue Growth (YoY)
37.7%
Earnings Growth (YoY)
24.6%
Profit Margin
29.2%
Valuation Premium vs History
+1.6% premium
PE vs Historical
10.2 vs 9.7
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$35.86
(+2%)
2-Year Target
$36.44
(+3%)
3-Year Target
$37.02
(+5%)
3-Yr Target (if PE normalizes)
(PE: 10→10)
PE COMPRESSION
$35.20
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 13.9%)
$101.51
(+188%)
Base:
(SPY PE: 10.2, Growth: 13.9%)
$52.15
(+48%)
Bear:
(PE: 8.7, Growth: 13.9%)
$44.33
(+26%)
📈
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: 15.17 | Current EPS (TTM): $2.35
Bull Case
$57.74
(+64%)
Analyst growth 47.2%, PE expands to 16.7
Base Case
$52.49
(+49%)
Market implied 47.2%, PE stable at 15.2
Bear Case
$24.24
(-31%)
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 22, 2026 1:48 PM ET
Data refreshes hourly during market hours. Next update: 2:48 PM
Data refreshes hourly during market hours. Next update: 2:48 PM
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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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