HBT Financial, Inc. (HBT) is a Banks - Regional company in the Financial Services sector, currently trading at $28.45. It has a SharesGrow Score of 64/100, indicating a above average investment profile with 4 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of HBT = $65.79 (+131.2% from the current price, the stock appears undervalued). Analyst consensus target is HBT = $28 (-1% upside).
Valuation: HBT trades at a trailing Price-to-Earnings (P/E) of 11.5 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 1.61.
Financials: revenue is $293M, +17.4%/yr average growth. Net income is $77M, growing at +11%/yr. Net profit margin is 26.3% (strong). Gross margin is 80% (-16.2 pp trend).
Balance sheet: total debt is $65M against $615M equity (Debt-to-Equity (D/E) ratio 0.11, conservative). Current ratio is 0.28 (tight liquidity). Debt-to-assets is 1.3%. Total assets: $5.1B.
Analyst outlook: 3 / 6 analysts rate HBT as buy (50%) — moderate consensus.
SharesGrow 7-Criteria breakdown: Value 60/100 (Pass), Growth 80/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 49/100 (Partial), Future 38/100 (Fail), Income 85/100 (Pass).
