HBT Stock Analysis: Buy, Sell, or Hold?
HBT - HBT Financial, Inc. Common Stock
$35.84
-0.02 (-0.06%)
▼
5d:
+7.66%
30d:
+9.47%
90d:
+29.11%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 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:
📊 HOLD: HBT trades at premium valuation expecting 6.2% growth. Hold existing positions but don't chase. Wait for better entry.
📊 HOLD: HBT trades at premium valuation expecting 6.2% growth. Hold existing positions but don't chase. Wait for better entry.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$36.59
Based on 4.1% avg growth
INTRINSIC VALUE TODAY
$22.72
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 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: HBT is currently trading at $35.84, which is considered extended relative to its 30-day fair value range of $31.51 to $34.46. From a valuation perspective, the stock is trading at a premium (Forward PE: 11.3) compared to its historical average (9.4). At these levels, the market is pricing in 6.2% 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 $36.83. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HBT has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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 $36.83. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: HBT has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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
EXTENDED
Historical Trading Range
$31.51 -
$34.46
Company Quality Score
55/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
56.2%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($38.20)
- NEUTRAL: Trading at premium valuation - market expects 6.2% growth which is achievable
Trading Range Analysis
30-Day Trading Range
$31.51 -
$34.46
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$31.65
Resistance Level
$36.83
Current Trend
Strong Uptrend
Technical data as of
Jul 31, 2026
Fundamental Context
Forward P/E (Next Year Est.)
11.28
Wall Street Target
$38.20
(+6.6%)
Revenue Growth (YoY)
37.7%
Earnings Growth (YoY)
24.6%
Profit Margin
29.2%
Valuation Premium vs History
+6.2% premium
PE vs Historical
11.3 vs 9.4
STRETCHED
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+6.2%
(market-implied from PE analysis)
1-Year Target
$38.06
(+6%)
2-Year Target
$40.42
(+13%)
3-Year Target
$42.93
(+20%)
3-Yr Target (if PE normalizes)
(PE: 11→9)
PE COMPRESSION
$35.76
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 4.3%)
$74.63
(+108%)
Base:
(SPY PE: 11.3, Growth: 4.3%)
$40.63
(+13%)
Bear:
(PE: 9.4, Growth: 4.3%)
$33.84
(-6%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (11x PE) as earnings recover.
Trailing PE: 15.52 | Current EPS (TTM): $2.31
Bull Case
$54.23
(+51%)
Analyst growth 37.5%, PE expands to 17.1
Base Case
$49.30
(+38%)
Market implied 37.5%, PE stable at 15.5
Bear Case
$24.38
(-32%)
Severe decline -20.0%, PE contracts to 13.2
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 03, 2026 1:02 AM ET
Data refreshes hourly during market hours. Next update: 2:02 AM
Data refreshes hourly during market hours. Next update: 2:02 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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