HBT Stock Analysis: Buy, Sell, or Hold?
HBT - HBT Financial, Inc. Common Stock
$32.04
-0.02 (-0.06%)
▼
5d:
-1.63%
30d:
+5.19%
90d:
+13.42%
BUY
MODERATE Confidence
Analysis Updated: Jul 13, 2026 12:00 AM ET
Earnings: Jul 20, 2026
5d
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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 3.7% growth. Moderate conviction.
💡 BUY OPPORTUNITY: HBT shows positive signals but monitor for confirmation. Market pricing in 3.7% growth. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$35.51
Based on 4.4% avg growth
INTRINSIC VALUE TODAY
$22.05
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 9.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HBT is currently trading at $32.04, which is considered slightly high relative to its 30-day fair value range of $29.85 to $32.13. From a valuation perspective, the stock is trading at a premium (Forward PE: 10.4) compared to its historical average (9.3). At these levels, the market is pricing in 3.7% annual earnings growth.
Technical Outlook: Technically, HBT is in a uptrend. The price is approaching resistance at $30.20. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, HBT is in a uptrend. The price is approaching resistance at $30.20. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: The stock shows a mixed technical setup (55/100), with neutral trendline and momentum signals. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
SLIGHTLY HIGH
Historical Trading Range
$29.85 -
$32.13
Company Quality Score
59/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
63.8%
All Signals
- NEUTRAL: Mixed technical signals (55/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($32.80)
- BULLISH: Expecting earnings turnaround to 3.7% growth with 17.5% revenue growth
Trading Range Analysis
30-Day Trading Range
$29.85 -
$32.13
Current vs Trading Range
SLIGHTLY HIGH
Support & Resistance Levels
Support Level
$27.75
Resistance Level
$30.20
Current Trend
Uptrend
Technical data as of
Jun 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
10.38
Wall Street Target
$32.80
(+2.4%)
Revenue Growth (YoY)
17.5%
Earnings Growth (YoY)
-43.7%
Profit Margin
28.3%
Valuation Premium vs History
+3.7% premium
PE vs Historical
10.4 vs 9.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+3.7%
(market-implied from PE analysis)
1-Year Target
$33.23
(+4%)
2-Year Target
$34.45
(+8%)
3-Year Target
$35.73
(+12%)
3-Yr Target (if PE normalizes)
(PE: 10→9)
PE COMPRESSION
$32.00
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 4.7%)
$77.10
(+141%)
Base:
(SPY PE: 10.4, Growth: 4.7%)
$36.75
(+15%)
Bear:
(PE: 8.8, Growth: 4.7%)
$31.24
(-3%)
📈
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: 14.71 | Current EPS (TTM): $2.18
Bull Case
$49.92
(+56%)
Analyst growth 41.6%, PE expands to 16.2
Base Case
$45.38
(+42%)
Market implied 41.6%, PE stable at 14.7
Bear Case
$21.80
(-32%)
Severe decline -20.0%, PE contracts to 12.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: July 13, 2026 7:42 PM ET
Data refreshes hourly during market hours. Next update: 8:42 PM
Data refreshes hourly during market hours. Next update: 8:42 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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