HBT Financial Inc
NASDAQ:HBT

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HBT Financial Inc Logo
HBT Financial Inc
NASDAQ:HBT
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Price: 24.3 USD 1.76% Market Closed
Market Cap: 766.9m USD
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Intrinsic Value

The intrinsic value of one HBT stock under the Base Case scenario is 24.85 USD. Compared to the current market price of 24.3 USD, HBT Financial Inc is Undervalued by 2%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

HBT Intrinsic Value
24.85 USD
Undervaluation 2%
Intrinsic Value
Price
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Base Case
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Valuation Backtest
HBT Financial Inc

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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of HBT Financial Inc and its key competitors using the latest financial data.

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of HBT Financial Inc against its competitors.

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(gross, operating, and net) of HBT Financial Inc compared to its peers.

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of HBT Financial Inc against its peers.

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Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
HBT Financial Inc

Non-Current Assets 5B
Long-Term Investments 1.6m
PP&E 65.9m
Intangibles 95.9m
Other Non-Current Assets 4.8B
Current Liabilities 29m
Short-Term Debt 29m
Non-Current Liabilities 4.4B
Long-Term Debt 92.4m
Other Non-Current Liabilities 4.3B
Efficiency

Earnings Waterfall
HBT Financial Inc

Revenue
0 USD
Operating Expenses
0 USD
Operating Income
0 USD
Other Expenses
69.9m USD
Net Income
69.9m USD

Free Cash Flow Analysis
HBT Financial Inc

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

HBT Profitability Score
Profitability Due Diligence

HBT Financial Inc's profitability score is 49/100. The higher the profitability score, the more profitable the company is.

Positive 3-Year Average ROE
Positive ROE
Positive Free Cash Flow
Declining ROE
49/100
Profitability
Score

HBT Financial Inc's profitability score is 49/100. The higher the profitability score, the more profitable the company is.

HBT Solvency Score
Solvency Due Diligence

HBT Financial Inc's solvency score is 47/100. The higher the solvency score, the more solvent the company is.

Low D/E
Long-Term Solvency
Low Altman Z-Score
47/100
Solvency
Score

HBT Financial Inc's solvency score is 47/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

HBT Price Targets Summary
HBT Financial Inc

Wall Street analysts forecast HBT stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for HBT is 24.99 USD with a low forecast of 23.23 USD and a high forecast of 27.3 USD.

Lowest
Price Target
23.23 USD
4% Downside
Average
Price Target
24.99 USD
3% Upside
Highest
Price Target
27.3 USD
12% Upside
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Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for HBT is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
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Buyback Yield
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Debt Paydown Yield
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Ownership

HBT Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
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Profile

HBT Financial Inc Logo
HBT Financial Inc

Country

United States of America

Industry

Banking

Market Cap

766.9m USD

Dividend Yield

3.13%

Description

HBT Financial, Inc. is a bank holding company, which provides business, commercial and retail banking products and services to consumers, businesses, and municipal entities. The company is headquartered in Bloomington, Illinois and currently employs 728 full-time employees. The company went IPO on 2019-10-11. Its products and services primarily include deposit, lending, and ancillary products. The Banks provide a suite of business, commercial and retail banking products and services to consumers, businesses, and municipal entities throughout Central and Northeastern Illinois. The company operates through approximately 62 full-service and three limited-service branch locations across over 18 counties in Central and Northeastern Illinois, including the Chicago metropolitan market. The company offers a range of lending products with a focus on commercial real estate (CRE), commercial and industrial (C&I), construction and land development (C&D), agricultural and farmland, multi-family and one-to-four family residential loans.

Contact

ILLINOIS
Bloomington
401 N Hershey Rd
ir.hbtfinancial.com

IPO

2019-10-11

Employees

728

Officers

Executive Chairman
Mr. Fred L. Drake
President, CEO & Director
Mr. J. Lance Carter
Executive VP & CFO
Mr. Peter Chapman
General Counsel & Corporate Secretary
Renee K. Fehr
Executive VP & Chief Credit Officer
Mr. Mark W. Scheirer
Executive VP & Chief Risk Officer
Ms. Andrea E. Zurkamer
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Executive VP & Chief Lending Officer
Mr. Lawrence J. Horvath
VP & Controller
Mr. James E. Lyons
Treasurer
Mr. Matthew J. Doherty
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See Also

Discover More
What is the Intrinsic Value of one HBT stock?

The intrinsic value of one HBT stock under the Base Case scenario is 24.85 USD.

Is HBT stock undervalued or overvalued?

Compared to the current market price of 24.3 USD, HBT Financial Inc is Undervalued by 2%.

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