HBT Financial, Inc. (HBT) Stock Score, Valuation & Financial Research
HBT Financial, Inc. is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 55/100.
Quick answer for HBT
HBT Financial, Inc. currently has a Wall Street Score of 55/100. The stored market price is $36.68. Its financial score is 59/100. Its valuation score is 93/100. The latest WSS change is -1.9 points. These figures are a research snapshot, not a buy or sell recommendation.
What HBT Financial, Inc. does
HBT Financial, Inc. operates as the bank holding company for Heartland Bank and Trust Company, offering a comprehensive suite of financial products and services. They cater to a diverse client base, including individuals, businesses, and municipal entities, providing retail, commercial, and business banking solutions. Their deposit offerings encompass a variety of options, such as non-interest and interest-bearing demand accounts, money market accounts, savings accounts, certificates of deposit (CDs), health savings accounts (HSAs), and individual retirement accounts (IRAs). The company's extensive lending portfolio spans commercial real estate (both owner-occupied and investment properties), construction and land development, multi-family housing, commercial and industrial (C&I) loans, agricultural and farmland financing, and one-to-four family residential mortgages, as well as municipa
HBT financial snapshot
- Wall Street Score:
- 55/100
- Current price:
- $36.68
- Market capitalization:
- $1.33B
- Revenue:
- $331.4M
- Net income:
- $77.7M
- Free cash flow:
- $74.8M
- Cash:
- $132.3M
- Total debt:
- $149.3M
- EPS:
- 2.44
- P/E ratio:
- 15.0x
- Financial score:
- 59/100
- Valuation score:
- 93/100
- Revenue score:
- 35/100
What stands out
- Reported year-over-year revenue growth is +0.1%.
- Free cash flow is $74.8M, showing positive cash generation.
- The balance sheet shows $132.3M of cash versus $149.3M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -1.9 points: HBT decreased 1.9 points because Capital declined by 5 points, Valuation declined by 3.8 points.
What the numbers mean
Its current valuation score is 93/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 59/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-08-14.
How to research HBT
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.