What Is HBT Financial, Inc. (HBT) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, HBT Financial, Inc.'s intrinsic value is estimated at a composite fair value of $31.17. Trading at $32.04, the stock is approaching fair value or slight overvaluation (implied return of -2.7%), as 8 of 12 models suggest limited further upside. The most optimistic model, RCMH-DCF, places fair value at $62.80 (+96.0%), while Markov DDM — the most conservative — estimates $11.38 (-64.5%). This +160.5% gap reflects genuine analytical uncertainty about HBT Financial, Inc.'s intrinsic worth.
What Do the Models Say About HBT?
12 of 13 models are currently active for HBT. Of these, 4 models suggest upside while 8 models suggest overvaluation. The Bayesian DCF estimates HBT's intrinsic value at $56.96, implying +77.8% upside from the current price. See which stocks rank higher →
How Does HBT Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, HBT ranks #59 by Quality of Company score. CirclFi's QOC score of 8.4/10 evaluates 32 fundamental signals. A score of 8.4 places HBT in the top tier.
See all Most Undervalued State Commercial Banks Stocks →
HBT Financial, Inc.'s positioning within the State Commercial Banks segment means that non-performing loan ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including digital banking adoption — shape both the opportunity set and risk profile.
Is HBT a Value Trap?
CirclFi's Value Trap algorithm assigns HBT a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for HBT Financial, Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Deep Alpha Valuation Engine, HBT Financial, Inc. scores 8.4 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.
The gap between the most bullish and bearish model spans +160.5% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every HBT valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across HBT's 12 active models, average confidence is 42%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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